Analisis Penerimaan Core Banking System Berbasis Technology Readiness an Acceptance Model pada BPRS Bangun Drajat Warga di DIY (Analysis of Acceptance of Banking System Based on Technology Readiness and Acceptance Model in BPRS Bangun Drajat Warga at DIY)

DOI: https://doi.org/10.21070/perisai.v3i1.2102

Author (s)


(1) * Sindu Rifai   (Pascasarja Universitas Ahmad Dahlan Yogyakarta)  
        Indonesia
(2)  Salamatun Asakdiyah   (Universitas Ahmad Dahlan Yogyakarta)  
        Indonesia
(3)  Rai Rake Setyawan   (Universitas Ahmad Dahlan Yogyakarta)  
        Indonesia
(*) Corresponding Author

Abstract


The purpose of this study is to analyze the acceptance of the core banking system based on technology readiness and acceptance model on Bank Pembiayaan Rakyat Syariah Bangun Drajat Warga in the Special Region of Yogyakarta. Constructions used are optimism, innovativeness, discomfort, insecurity, easy of use and usefulness. This research method uses quantitative with a survey approach. The results of the study show that constructs of optimism and discomfort have a positive and significant effect on the perception of benefits and convenience in using the Core Banking System. The innovativeness construct has a positive and significant effect on the perception of the benefits of the core banking system, but for users, it has a negative effect and does not significantly influence the perception of ease of use of the Core Banking System. Insecurity, easy of use and usefulness constructs shows that there is no positive and significant influence on the perception of benefits and convenience in using the Core Banking System.

 



Keywords

Core Banking System (CBS), Technology Readiness and Acceptance Model, BPRS



Full Text: PDF



References


Azwar, S. (2014). Metode penelitian. Yogyakarta: Pustaka Pelajar.

Davis, F.D. (1989). Perceived Usefulness, Perceived Ease Of Use, And User Acceptance. MIS Quarterly [Online] 13 (3) pp. 319-340.

Erdogmus, N., & Esen, M. (2011). An investigation of the effects of technology readiness on technology acceptance in e-HRM. Procedia-Social and Behavioral Sciences, 24, 487-495

Dessanti Putri Sekti Ari. (2013). “pengaruh tecnology acception model dan pengembangannya dalam perilaku menggunakan core banking” dalam jurnal keuangan dan Perbankan 17, h: 267-278.

Ghozali, I. Latan, H. (2012). Partial Least Square : Konsep, Teknik dan Aplikasi SmartPLS 2.0 M3. Semarang: Badan Penerbit Universitas Diponegoro.

Ghozali, Imam. (2014). Structural Equation Modeling Metode Alternatif dengan Partial Least Square (PLS). Semarang: Universitas Diponegoro

Hair, Black, Babin, & Anderson. (2010). Multivariate Data Analysis 7th. NewJersey: Prentice Hall

Hallikainen, H., & Laukkanen, T. (2016), June). How Technology Readiness Explains Acceptance and Satisfaction of Digital Services in B2B Healthcare Sector?PACIS (p. 294).

Rosmiyati, Aryadita, Herlambang (2018). Analisis Penerimaan Teknologi Cloud Storage Menggunakan Technology Readiness Acceptance Model (TRAM) Pada Badan Eksekutif Mahasiswa Institut Teknologi Sepuluh Nopember. Volume 2 no 10, 2632-3639.

Lin, Chien-Hsin., Shih, Hsin-Yu., and Sher, Peter J. (2007). Integrating Technology Readiness into Techology Acceptance: The TRAM Model. Psychologyand Marketing, Vol. 24, No 7, pp. 641-657.

Luqman. (2017). “Pengaruh Kesiapan Penerimaan Pengguna Terhadap Penerapan Sistem Informasi diantara Lembaga Keuangan Mikro Syariah”. Skripsi. Program Studi Sistem Informasi Fakultas Sains dan Teknologi Universitas Islam Negeri Syarif Hidayatullah Jakarta.

Mimin N A, Mahendra A, Endra M S.( 2014) “Pengaruh Technology Readiness Terhadap Penerimaan Teknologi Komputer Pada UMKM Di Yogyakarta” Jurusan Pendidikan Akuntansi Fakultas Ekonomi Universitas Negeri Yogyakarta.

Parasuraman, A., & Colby, C. L. (2015). An updated and streamlined technology readiness index: TRI 2.0. Journal of service research, 18(1), 59-74.

P. Godoe and T. S. (2012) Johansen, “Understanding adoption of new technologies: Technology readiness and technology acceptance as an integrated concept,” J. Eur. Psychol. Students, vol. 3, pp. 38–52.

Sugiyono. (2018). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta

Venkatesh, V. and Bala, H. 2008. Technology Acceptance Model 3 and a Research Agenda on Interventions. Decision Sciences, Volume 39 Number 2, pp. 273-315.

Walczuch, R., Lemmink, J., & Streukens, S. (2007). The effect of service employees’ technology readiness on technology acceptance. Information & Management, 44(2), 206-215.

https://www.ojk.go.id/

https://www.gartner.com/

https://www.telkomsigna.co.id/

http://www.bprs-bdw.co.id/tentang-kami/sejarah/


Article View

Abstract views : 368 times | PDF files viewed : 110 times

Dimensions, PlumX, and Google Scholar Metrics

10.21070/perisai.v3i1.2102


Refbacks



Copyright (c) 2019 Sindu Rifai

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.