FACTORS INFLUENCING THE ADOPTION OF INTERNET BANKING (A CASE STUDY OF BANK OF CHINA, JAKARTA BRANCH)

Abstract

The purpose of this research was to investigate the factors influencing the adoption of internet banking with a case study of Bank of China, Jakarta Branch. This research consist four independent variables (perceived usefulness, perceived ease of use, internet experience and perceived security) and one dependent variable (internet banking adoption). The researcher used quantitative research to process the research, and data were collected by questionnaires. Total 342 questionnaires are valid and used in this research. Multiple regression test, hypothesis test which included T-test (partial test) and F-test (simultaneously test) were employed to analyze influence of independent variables toward the dependent variable. The data analysis uses the SPSS 16.0 to generate results. The main findings of this research is that perceived usefulness and perceived security separately has significant influence toward customers’ adoption of internet banking; The four variables perceived usefulness, perceived ease of use, internet experience, and perceived security has significant simultaneous influence toward customer’s adoption of internet banking.