MODEL PERILAKU PENERIMAAN INTERNET BANKING DI BANK SYARI’AH : PERAN MOTIVASI SPIRITUAL

This item is published by Universitas Islam Negeri Sunan Ampel Surabaya

Rahmawaty, Anita (2012) MODEL PERILAKU PENERIMAAN INTERNET BANKING DI BANK SYARI’AH : PERAN MOTIVASI SPIRITUAL. In: Conference Proceedings: Annual International Conference on Islamic Studies (AICIS) XII, 5 – 8 November 2012, Surabaya – Indonesia.

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Abstract

This study contributes to develop technology adoption model based on Technology Acceptance Model (TAM) on the customers of Islamic bank. This study aims to build a conceptual and empirical model on the role of spiritual motivation, perceived usefulness, perceived ease of use, and trust in the acceptance of internet banking, thereby building theoretical model that can be used as a reference as model behavior of products based information technology acceptance in Islamic bank. This study is different from previous studies in the following matters: this study builds theoretical models of internet banking acceptance behavior by developing a new variable, namely the spiritual motivation predicted to influence customer behavior in using internet banking and integrates the variable of trust with Technology Acceptance Model. This study is a type of survey research by using a quantitative approach. The research data are obtained from 170 Muslim customers of Bank Syariah Mandiri in Jakarta and Yogyakarta, by using convenience sampling technique. For research model testing technique, it used the Structural Equation Model approach. The study's findings include seven items. First, this study suggests new findings that spiritual motivation is positively and significantly associated with customer interest in using internet banking. Second, trust is not related to the interest in internet banking acceptance behavior. Third, perceived ease of use is positively and significantly associated with trust. Fourth, perceived ease of use is positively and significantly associated with perceived usefulness. Fifth, perceived ease of use is not related to the interest of internet banking acceptance behavior. However, in this study, it is found that perceived ease of use is an important element that affects the perceived usefulness and is indirectly able to influence the behavioral intention in using internet banking. Sixth, perceived usefulness is associated with a positive and significant interest in internet banking acceptance behavior. Seventh, behavioral intention is significantly and positively related to internet banking actual usage behavior. Thus, these new findings reinforce the theoretical model constructed in this study on the role of spiritual motivation in the acceptance of internet banking in Islamic bank.