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Analysis of the effect of access convenience, search convenience, evaluation convenience, transaction convenience, and possession convenience toward m-banking adoption intention and m-banking adoption on bca mobile application users in surabaya

Author

Listed:
  • Gabriella Hosana

    (Business School Student at Universitas Pelita Harapan (Surabaya Campus) Indonesia.)

  • Amelia Amelia

    (Business School, Universitas Pelita Harapan Surabaya Campus, Surabaya, Indonesia.)

  • Ronald Ronald

    (Business School, Universitas Pelita Harapan Surabaya Campus, Surabaya, Indonesia.)

Abstract

Online marketing strategies are very widespread, and it is hoped that business people must implement them in order to be able to move to digital transactions, to make it easier to transact anywhere and anytime. Even in the banking world, digitalization must be implemented so that customers do not have to bother in carrying out all transactions. One of the Indonesian banks that is digitizing is Bank BCA and this is a challenge for Bank BCA as the largest bank in Indonesia to provide the best digital banking services for its customers. The purpose of this study is to look at how the characteristics of access convenience, search convenience, assessment convenience, transaction convenience, and possession convenience affect m-banking adoption intention and adoption among BCA Mobile app users in Surabaya. The sample utilized in this study is based on the responses of 155 male and female respondents aged 18 to 60 years old who live in Surabaya. This questionnaire was distributed to BCA Mobile users who have activated and have made 2 transactions in the last 4 months. From the results of data processing, it was found that access convenience had a significant effect on m-banking adoption intention with a regression coefficient of 0.239, search convenience had a significant effect on m-banking adoption intention with a regression coefficient of 0.233, evaluation convenience had a significant effect on m- banking adoption intention with a value of regression coefficient is 0.192, transaction convenience has a significant effect on m-banking adoption intention with a regression coefficient of 0.205, possession convenience has a significant effect on m-banking adoption intention with a regression coefficient of 0.169, and m-banking adoption intention has a significant effect on m-banking adoption with a coefficient value regression 0.848.

Suggested Citation

  • Gabriella Hosana & Amelia Amelia & Ronald Ronald, 2022. "Analysis of the effect of access convenience, search convenience, evaluation convenience, transaction convenience, and possession convenience toward m-banking adoption intention and m-banking adoption," International Journal of Science and Business, IJSAB International, vol. 10(1), pages 110-122.
    • Handle: RePEc:aif:journl:v:10:y:2022:i:1:p:110-122
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    References listed on IDEAS

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    1. Shareef, Mahmud Akhter & Baabdullah, Abdullah & Dutta, Shantanu & Kumar, Vinod & Dwivedi, Yogesh K., 2018. "Consumer adoption of mobile banking services: An empirical examination of factors according to adoption stages," Journal of Retailing and Consumer Services, Elsevier, vol. 43(C), pages 54-67.
    2. Shankar, Amit & Rishi, Bikramjit, 2020. "Convenience matter in mobile banking adoption intention?," Australasian marketing journal, Elsevier, vol. 28(4), pages 273-285.
    3. Yu-Min Wang & Hsin-Hui Lin & Wei-Chun Tai & Yi-Ling Fan, 2016. "Understanding multi-channel research shoppers: an analysis of Internet and physical channels," Information Systems and e-Business Management, Springer, vol. 14(2), pages 389-413, May.
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