EFFECT OF PUBLIC PERCEPTION OF INTEREST USING INTERNET BANKING SERVICE (STUDY IN PT. BANK UOB INDONESIA, SEMARANG)

Abstract

Developments in information technology today, has created the types and opportunities for new business, including business transactions increasingly done online. Internet banking provides enormous positive contribution in integrating individuals with the banking activities of the banking system around the world in a way that is faster and more effective simply by accessing through a personal computer.
The purpose of this study is to empirically examine the perception of convenience, perceived benefits, perceived trust, risk perception, the ability to operate a computer and an internet connection to the community interest in using the internet banking service PT. Bank UOB Indonesia, Semarang.
This study uses the perception of convenience, perceived benefits, perceived trust, risk perception, the ability to operate a computer and an internet connection as the independent variable and the community interest in using the internet banking service as the dependent variable. The sampling technique was by purposive sampling. The samples are customers of PT. Bank UOB Indonesia are using internet banking at least 3 years. The analysis method used is quantitative analysis, including descriptive statistical analysis, logistic regression analysis, and analysis of the model goodness.
Based on test results, the perception of trust, risk perception, and an Internet connection a negative effect on the public interest to use internet banking service PT. Bank UOB Indonesia, Semarang. While the perception of convenience, perceived benefits, and the ability to operate a computer does not affect the interest of people using internet banking services PT. Bank UOB Indonesia, Semarang. Based on the test results showed that showed that the regression model can be used to predict interest in using the internet banking service PT. Bank UOB Indonesia, Semarang. While variations of community interest in using the internet banking service PT. Bank UOB Indonesia, Semarang able to be explained by the independent variable of 77.13%.
Key words: perceived ease, perceived benefits, perceived trust, risk perception, ability to operate a computer, internet connection, community interest in using the internet banking service.