Analisis Penerimaan Teknologi Pada Penggunaan Digitalisasi Layanan Perbankan Syariah di Provinsi Gorontalo
Abstract
Fokus penelitian ini yakni menghasilkan konsep stabilitas Perbankan Syariah di tengah pandemi Covid-19 dan trend digitalisasi layanan perbankan syariah di Indonesia ditinjau dari persepsi manfaat dan persepsi kemudahan ( Technologi Accepted Model). Adapun penelitian ini bersifat deduktif-hipotetikal, yaitu penelitian yang didesain untuk menguji hipotesis dengan menggunakan penelitian empiris dengan teknik survei. Metode Sampel yang digunakan adalah metode purpossive sampling dengan kriteria responden yakni nasabah yang menggunakan Digitalisasi layanan dalam perbankan. Sedangkan metode analisis data penelitian menggunakan analisis regresi berganda guna hipotesis menguji penelitian. Hasil peneletian ini menujukkan , secara parsial di buktikan bawa Persepsi Manfaat dan Persepsi Kemudahan dapat diketahui secara parsial pengaruhnya terhadap Minat. hal ini menujukan bahwa semakin nasabah/responden merasakan kemudahan dan mendapatkan manfaat dalam menggunakan layanan digitalisasi layanan perbankan syariah yang meliputi : Mobile banking, internet banking sebesar, kartu debit/kredit, dan ATM maka semakin meningkatkan minat nasabah dalam menggunakan layanan digital perbankan syariah di Gorotalo.
Kata Kunci: Penerimaan Teknologi, Persepsi Manfaat, Persepsi Kemudahan, Minat, Digital Banking
Abstract
The focus of this study is to produce the concept of Sharia Banking stability in the midst of the Covid-19 pandemic and the trend of digitizing Islamic banking services in Indonesia in terms of the perception of benefits and perceptions of convenience (Technology Accepted Model). This research is deductive-hypothetical, which is a study designed to test hypotheses using empirical research with survey techniques. Metode Sampel yang digunakan adalah metode purpossive sampling dengan the respondent's criteria are customer which uses digitalization of services in banking. Meanwhile, the research data analysis method uses multiple regression analysis to test the research hypothesis. The results of this study prove that the Perception of Benefits and the Perception of Ease can be partially known for their effect on Interest. this shows that the more customers/respondents feel the convenience and benefit in using sharia banking service digitization services which include: Mobile banking, internet banking, debit/credit cards, and ATMs, the more customer interest in using islamic banking digital services in Gorotalo.
Keywords: Acceptance of Technology, Perception of Benefits, Perception of Ease, Interest, Digital Banking.
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DOI: https://doi.org/10.37531/sejaman.v5i2.2009
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