Volume 18, No 1, 2021

An International M-banking Adoption

Heriyanni Mashithoh and Abdul Rahmat


This study measures the acceptance of m-banking by customers by testing the Performance Expectancy, Effort Expectancy, Website Quality, Experience/habit, trust and use behavior variables. In terms of Website Quality, in general, the findings of this study show a mean overall value of 3.82, which means that the quality of the website presented by the bank is considered to provide satisfactory services by consumers, especially from the attractive design and availability of search engine facilities so that it is easy to find information M-Banking users need. Based on the experience felt by respondents when using m-banking, the findings of this study indicate a mean overall value of 3.99. It's reflects that experience felt by the users of M-Banking rated very good especially in facilitating transactions that can be done anywhere and anytime and can make transactions quickly, securely and cheaply and served individually. Respondents' opinions about the expected benefits when using m-banking expectancy shows a mean overall value of 3.92. Here it can be illustrated that the expected benefits of M-Banking users are considered very good especially in conducting transactions (safe, fast and cheap) that are felt personal as well as business that is easy and painless to use M-banking. from the side of the trust, the M-Banking trust services presented and rated very good in terms of information, secure, reliable in dealing with the mean of variables 3, 95. In addition, M-Banking users feel that the service is good and is considered to be very good in terms of effort to be done both in terms of convenience, not difficult to understand and easy to operate and the behavior will intend to use m-banking in the future in supporting daily activities and increasing the frequency of witnesses.

Pages: 131-141

DOI: 10.14704/WEB/V18I1/WEB18078

Keywords: m-banking, Technology Acceptance, International Comparison.

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