Abstract:
This research purpose is to determine the studies of decomposed theory planned
behavior towards mobile banking adoption in Indonesia. Since the mobile banking
adoption in Indonesia is still low compare to the proportion of mobile phone
subscriber, researcher conducts DTPB theory with attitude, subjective norm and
perceived behavioral control as the key driver variables. The research is
quantitative research using structured questionnaires and spread via online.
Researcher uses probability random sampling that effectively collects 290
respondents of 410 respondents which collected from respondents who already use
mobile banking. The questionnaire spreads mostly around Jabodetabek area with
majority respondents who filled the questionnaire are millennials. In terms of
variables, researcher is using SPSS 22 (process macro) and AMOS (path diagram)
for the statistical tools for calculating the relationship of the model designed. Both
of the statistical calculations give the different output which using path diagram
identify attitude (ATT) and perceived behavior control (PBC) has significant
influence towards mobile banking adoption (MBA) as mediator variable. Contrarily,
subjective norms (SN) have negative influence towards mobile banking adoption.
Additionally, the independent variable, perceived usefulness (PU) and perceived
ease of use (PEOU) have significant influence to attitude (ATT) and self-efficacy
(SE) and facilitating condition (FC) have positive influence towards perceived
behavior control. At the end, this study represent as the important of attitude and
perceived behavior control for the improvement to financial institution especially
for mobile banking adoption.
