Analisis Faktor-Faktor yang Memengaruhi Penggunaan Mobile Banking pada Pengguna Laki-laki dan Perempuan dengan Menggunakan Pendekatan Multigroup Structural Equation Modelling
DOI:
https://doi.org/10.55893/jt.vol24no2.630Kata Kunci:
SEM, multigroup, gender, adopsi, mobile bankingAbstrak
Mobile banking (m-banking) memungkinkan layanan keuangan diakses dengan lebih mudah. Pada beberapa penelitian ditemukan adanya perbedaan keputusan penerimaan teknologi antara laki-laki dari perempuan. Penelitian ini dilakukan untuk menganalisis faktor-faktor yang memengaruhi penggunaan mobile banking pada pengguna laki-laki dan perempuan dengan menggunakan pendekatan multigroup structural equation modeling (SEM). Terdapat tujuh faktor atau variabel laten yang digunakan dalam penelitian ini yaitu word of mouth (WOM), perceived ease of use (PEOU), perceived usefulness (PU), trust (TR), attitude toward using (ATU), intention to use (ITU), dan actual use (AU). Berdasarkan pengujian yang dilakukan dengan menggunakan 440 data responden, dapat diketahui bahwa pada pengguna laki-laki dan perempuan terdapat perbedaan hubungan antara WOM dengan TR, PU, ATU, ITU; PEOU dengan PU; PU dengan ATU dan ITU; serta ITU dengan AU. Penelitian ini memberikan bukti tambahan mengenai adanya perbedaan gender dalam penerimaan dan penggunaan teknologi, khususnya mobile banking. Selain itu, pada penelitian ini ditemukan bahwa WOM cukup berpengaruh pada adopsi mobile banking, oleh karena itu pada penelitian selanjutnya sebaiknya dilakukan identifikasi faktor-faktor yang dapat mempengaruhi WOM customer layanan mobile banking.
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