PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL UNTUK MENGUJI PERSEPSI RESIKO ADOPSI E-BANKING

Edy Purwo Saputro(1*), Fereshti Nurdiana(2)

(1) Mahasiswa Program Doktor Ekonomi Manajemen di UNS Solo
(2) Dosen Fakultas Ekonomi Universitas Muhammadiyah Solo
(*) Corresponding Author

Abstract

The purpose of this paper is to identify risk factors that discourage consumers from
adopting e-banking services. Perceived risk is a key construct in consumer decision making, whereas
whether this is true in e-banking market is rarely researched. An exploration of this dynamic
market is therefore critical to develop theoretical and practical implications. The investigation
uses quantitative research methods. Primary data were collected by self-administered questionnaires
containing 200 respondents are analysed through structural equation modelling. Results indicate
that the concept of perceived risk has merit in explaining consumers’ decisions on whether to use
e-banking.

Keywords

risk, e-banking, SEM

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DOI: 10.23917/benefit.v16i1.1356

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