ANALYSIS OF CUSTOMER AWARENESS IN USING MOBILE BANKING APPLICATIONS
Keywords:
Customer knowledge, Risk Perception, Customer Awareness.
Abstract
Advances in digital technology in the form of smart phones, email, social networks, can fundamentally change our relationship with work and connect permanently. The focus of this research includes analyzing the factors that pose a threat to the use of mobile banking applications when transacting online in the community. Determination of the number of samples can amount to 5-10 of the number of indicators, so 10x10 = 100 respondents. The data analysis technique in this study depends on the data collection technique used to solve the problem in this study SmartPLS data analysis technique. The final result of this study is that the variables of customer knowledge and risk perception have no influence on interest in using the m-banking application. However, the variable customer awareness has an influence on the interest in using the m-banking application.References
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Chopra, R., & Sharma, S. (2020). Impact of Digitalization on Employees' Work Life Balance in Corporate. International Journal of Creative Research Thoughts, 8(8), 3386-3393.
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Indriyani MS, E., Fatma, F., & Hasyim, R. (2022). The Effect Of Perceived Risk, Financial Knowledge And Government Support On User Interest With Perceived Usefulness As An Intervening Variable: Study On E-Wallet Users In Sulawesi. Bung Hatta University Management Journal, 17(2), 192-206. https://doi.org/10.37301/jmubh.v17i2.20886
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Pristiyono, P. (2021). Public Concerns Regarding Digital Payments as Non-Cash Money Payments. JOURNAL OF ACCOUNTING MANAGEMENT (JUMSI), 3(March), 6.
Purnamasari, V., Ayu Kinanti, S., & Destia Wahyuningsih, R. (2024). How Far Do Mobile Banking Apps Support Digital Finance Inclusion? KnE Social Sciences, 2024, 256-267. https://doi.org/10.18502/kss.v9i4.15073
Purohit, S., & Arora, R. (2021). The benefits and challenges of mobile banking at the Bottom of the pyramid. Journal of Contemporary Issues in Business and Government, 27(1), 2222-2229.
Renju Chandran. (2014). Pros and cons of mobile banking. International Journal of Scientific and Research Publications, 4(10), 1-5. Retrieved from https://www.consumerreports.org/cro/magazine/2014/10/pros-and-cons-of-mobile-check-deposit/index.htm
Rubanov, P. M. (2020). Transformation of the Banking Sector in the Digital Era. Mechanism of an Economic Regulation, (4), 110-118. https://doi.org/10.21272/mer.2019.86.11
Saes, B. M. (2023). Risk perception. Dictionary of Ecological Economics: Terms for the New Millennium, (November), 471-472. https://doi.org/10.4337/9781788974912.R.63
Sari, S., Syamsuddin, S., & Syahrul, S. (2021). Analysis of Brand Awareness and Its Effect on Buying Decision of Toyota Calya Cars in Makassar. Journal of Business Administration (JBA), 1(1), 37. https://doi.org/10.31963/jba.v1i1.2678
Shrier, D. L. (2022). Digital Financial Services. Global Fintech, (April), 73-90. https://doi.org/10.7551/mitpress/13673.003.0008
Soliha, E., Marlien, R. A., Widyasari, S., Rivai, A. R., & Khotimah, N. (2019). Image, consumer product knowledge, satisfaction and loyalty: Testing their relationships in the rural bank sector. Espacios, 40(42), 1-11.
Sonono, B., & Ortstad, R. (2017). The Effects of the Digital Transformation Process on Banks' Relationship with Customers: Case Study of a Large Swedish Bank. Uppsala Universitet Master's Thesis, 62. Retrieved from http://www.diva-portal.org/smash/get/diva2:1115984/FULLTEXT01.pdf
Thakur, R., & Srivastava, M. (2015). A study on the impact of consumer risk perception and innovativeness on online shopping in India. International Journal of Retail and Distribution Management, 43(2), 148-166. https://doi.org/10.1108/IJRDM-06-2013-0128
Tiwari, P., Tiwari, S. K., & Gupta, A. (2021). Examining the Impact of Customers' Awareness, Risk and Trust in M-Banking Adoption. FIIB Business Review, 10(4), 413-423. https://doi.org/10.1177/23197145211019924
Tran, P. T. T., Le, T. T. H., & Phan, N. H. T. (2023). Digital Transformation of the Banking Industry in Developing Countries. International Journal of Professional Business Review, 8(5), e01503. https://doi.org/10.26668/businessreview/2023.v8i5.1503
Vasvári, T. (2015). Risk, Risk Perception, Risk Management - a Review of the Literature. Public Finance Quarterly (0031-496X), 60(1), 29-48. Retrieved from http://proxy-remote.galib.uga.edu/login?url=http://search.ebscohost.com/login.aspx?direct=true&db=bth&AN=102034710&site=eds-live
Almaiah, M. A., Al-Otaibi, S., Shishakly, R., Hassan, L., Lutfi, A., Alrawad, M., ... Alghanam, O. A. (2023). Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM. Sustainability (Switzerland), 15(13). https://doi.org/10.3390/su15139908
Astuti, D., & Fajarratri S. (2010). Study of Perceived Risk on Interest in Buying Online Shopping (Case at Www.Kaskus.Com Online Store). Indonesian Journal of Marketing Science, IX(2), 111-127. Retrieved from www.kaskus.com
Chopra, R., & Sharma, S. (2020). Impact of Digitalization on Employees' Work Life Balance in Corporate. International Journal of Creative Research Thoughts, 8(8), 3386-3393.
Citra Christian, H., & Sitokdana, M. N. N. (2022). June25 th , 2 Satya Wacana. 9(1). Retrieved from http://jurnal.mdp.ac.id
Fitri, S., Arifin, A. H., & Yanita, Y. (2020). The Effect of Training and Empowerment on Teacher Competence and Performance at Uptd-Pk Dewantara. J-MIND (Indonesian Management Journal), 4(1), 86. https://doi.org/10.29103/j-mind.v4i1.3370
Hamzah, M. I., Othman, A. K., Hassan, F., Razak, N. A., & Yunus, N. A. M. (2016). Conceptualizing a Schematic Grid View of Customer Knowledge from the Johari Window's Perspective. Procedia Economics and Finance, 37(16), 471-479. https://doi.org/10.1016/s2212-5671(16)30154-x
Hariharan. (2024). Study on Awareness in Mobile Banking Application. Journal of Indian School of Political Economy, 35(07).
Indriyani MS, E., Fatma, F., & Hasyim, R. (2022). The Effect Of Perceived Risk, Financial Knowledge And Government Support On User Interest With Perceived Usefulness As An Intervening Variable: Study On E-Wallet Users In Sulawesi. Bung Hatta University Management Journal, 17(2), 192-206. https://doi.org/10.37301/jmubh.v17i2.20886
Iskandar, A. S. (2020). Mobile Banking System: How the Village Community Perceive. 8(2), 304-313.
Karim, K., Ilyas, G. B., Umar, Z. A., Tajibu, M. J., & Junaidi, J. (2023). Consumers' awareness and loyalty in Indonesia banking sector: does emotional bonding effect matter? Journal of Islamic Marketing, 14(10), 2668-2686. https://doi.org/10.1108/JIMA-03-2022-0092
Khanboubi, F., Boulmakoul, A., & Tabaa, M. (2019). Impact of digital trends using IoT on banking processes. Procedia Computer Science, 151, 77-84. https://doi.org/10.1016/j.procs.2019.04.014
Kurniawati, H. A., Arif, A., & Winarno, W. A. (2017). Analysis of Interest in Using Mobile Banking with a Modified Technology Acceptance Model (TAM) Approach. E-Journal of Business Economics and Accounting, 4(1), 24. https://doi.org/10.19184/ejeba.v4i1.4563
Ma'ady, M. N. P., Zahra, A. N., Darmawan, M. Z., Abdillah, R., & Anaking, P. (2023). Analysis of Digital Fraud Mode Phishing Technique through WhatsApp Application Using BPMN Method (Case Study on E-Wallet Hacking). National Seminar on Information Systems, 7(1), 3800-3806. Retrieved from https://jurnalfti.unmer.ac.id/index.php/senasif/article/view/469/417
Mentari, A. D. (2018). The Effect of Awareness, Transaction Speed, Security, Perceived Benefits with the Mediation of Perceived Ease of Use on the Adoption of m-banking BRI Makassar Raya. Journal of Business and Banking, 8(1), 157-175.
Mutia Hendarti, A., Candra Yudha, A. T. R., Wicaksono, R. A., Maksum, M., & Huda, N. (2023). Knowledge, Service Features, Benefits, and Convenience and Their Influence on Customer Interest: Evidence on BSI Mojopahit 2 Mojokerto City, Indonesia. El-Qist: Journal of Islamic Economics and Business (JIEB), 13(1), 49-66. https://doi.org/10.15642/elqist.2023.13.1.49-66
Najat, B. (2017). Importance of Customer Knowledge in Business Organizations. International Journal of Academic Research in Business and Social Sciences, 7(11), 175-187. https://doi.org/10.6007/ijarbss/v7-i11/3449
Pristiyono, P. (2021). Public Concerns Regarding Digital Payments as Non-Cash Money Payments. JOURNAL OF ACCOUNTING MANAGEMENT (JUMSI), 3(March), 6.
Purnamasari, V., Ayu Kinanti, S., & Destia Wahyuningsih, R. (2024). How Far Do Mobile Banking Apps Support Digital Finance Inclusion? KnE Social Sciences, 2024, 256-267. https://doi.org/10.18502/kss.v9i4.15073
Purohit, S., & Arora, R. (2021). The benefits and challenges of mobile banking at the Bottom of the pyramid. Journal of Contemporary Issues in Business and Government, 27(1), 2222-2229.
Renju Chandran. (2014). Pros and cons of mobile banking. International Journal of Scientific and Research Publications, 4(10), 1-5. Retrieved from https://www.consumerreports.org/cro/magazine/2014/10/pros-and-cons-of-mobile-check-deposit/index.htm
Rubanov, P. M. (2020). Transformation of the Banking Sector in the Digital Era. Mechanism of an Economic Regulation, (4), 110-118. https://doi.org/10.21272/mer.2019.86.11
Saes, B. M. (2023). Risk perception. Dictionary of Ecological Economics: Terms for the New Millennium, (November), 471-472. https://doi.org/10.4337/9781788974912.R.63
Sari, S., Syamsuddin, S., & Syahrul, S. (2021). Analysis of Brand Awareness and Its Effect on Buying Decision of Toyota Calya Cars in Makassar. Journal of Business Administration (JBA), 1(1), 37. https://doi.org/10.31963/jba.v1i1.2678
Shrier, D. L. (2022). Digital Financial Services. Global Fintech, (April), 73-90. https://doi.org/10.7551/mitpress/13673.003.0008
Soliha, E., Marlien, R. A., Widyasari, S., Rivai, A. R., & Khotimah, N. (2019). Image, consumer product knowledge, satisfaction and loyalty: Testing their relationships in the rural bank sector. Espacios, 40(42), 1-11.
Sonono, B., & Ortstad, R. (2017). The Effects of the Digital Transformation Process on Banks' Relationship with Customers: Case Study of a Large Swedish Bank. Uppsala Universitet Master's Thesis, 62. Retrieved from http://www.diva-portal.org/smash/get/diva2:1115984/FULLTEXT01.pdf
Thakur, R., & Srivastava, M. (2015). A study on the impact of consumer risk perception and innovativeness on online shopping in India. International Journal of Retail and Distribution Management, 43(2), 148-166. https://doi.org/10.1108/IJRDM-06-2013-0128
Tiwari, P., Tiwari, S. K., & Gupta, A. (2021). Examining the Impact of Customers' Awareness, Risk and Trust in M-Banking Adoption. FIIB Business Review, 10(4), 413-423. https://doi.org/10.1177/23197145211019924
Tran, P. T. T., Le, T. T. H., & Phan, N. H. T. (2023). Digital Transformation of the Banking Industry in Developing Countries. International Journal of Professional Business Review, 8(5), e01503. https://doi.org/10.26668/businessreview/2023.v8i5.1503
Vasvári, T. (2015). Risk, Risk Perception, Risk Management - a Review of the Literature. Public Finance Quarterly (0031-496X), 60(1), 29-48. Retrieved from http://proxy-remote.galib.uga.edu/login?url=http://search.ebscohost.com/login.aspx?direct=true&db=bth&AN=102034710&site=eds-live
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