DOMINANT FACTORS THAT MAKE PEOPLE RELUCTANT TO USE INTERNET BANKING : STUDY ON BANK CENTRAL ASIA KARAWANG CUSTOMERS

Abstract

Technology cannot be separated from our daily activities nowadays. The purpose of this study is to identify the dominant factors that make people reluctant to use internet banking. The study is conducted at Bank Central Asia Karawang, West Java. The questionnaires were distributed to 100 respondents who know internet banking but they do not use it. The respondents selected using a non-probability sampling, which is the purposive sampling. Theory that applied in this research is Diffusion of Innovation by Rogers (2003) that consist of five variables which are relative advantage, compatibility, complexity, trialability, and observability that utilize to identify the dominant factor that make people reluctant to use internet banking. SPSS version 16.0 and analysis factor method was used in this research for the statistical analysis that resulted three dominant factors that make people reluctant to use internet banking in a bank which are Effort, Trust, and Social Influence.