DIGITAL DIVIDE AND MOBILE BANKING UTILIZATION IN MEDAN CITY : AN EMPIRICAL INVESTIGATION
Abstract
Perkembangan TIK saat ini mempunyai pengaruh terhadap kehidupan manusia, dikarenakan telah menggantikan proses manusia dalam berkomunikasi serta membawa pada era informasi, dimana saat ini informasi menjadi suatu kebutuhan dasar. Pemasaran pada sisi teknologi menjadi sumber utama dikarenakan terus mengalami perubahan, seperti mobile banking bertindak sebagai saluran perbankan yang dapat pengguna lakukan dalam berbagai transaksi keuangan. Berkembangnya aktivitas pada transaksi digital perlu diimbangi dengan keseimbangan digital agar terhindar dari kesenjangan digital. Penelitian ini bertujuan guna menganalisis pengaruh digital divide terhadap penggunaan mobile banking di Kota Medan. Penelitian ini menerapkan teknik analisis SEM-PLS. Terdiri dari 3 tahapan yaitu uji outer model, inner model serta selanjutnya uji hipotesis dengan menggunakan sofware WarpPLS 8.0 untuk peroses pengolahan data. Hasil survei terhadap 327 responden menjelaskan hal tersebut terdapat empat tahapan pada pengenalan teknologi digital mobile banking, yakni dimulai dari motivation, physical and material access, mobile banking skill, dan usage berdampak positif serta signifikan. Artinya , tidak ada kesenjangan digital berlangsung dalam proses implementasi teknologi digital mobile banking di Kota Medan. Namun terdapat perbedaan cara mengadopsi masyarakat Kota Medan dalam sisi variabel moderator seperti, gender, age, education, dan location terhadap variabel konstruk yang diteliti.
References
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Rifaldi, R., Giri, W., Santoso, B. R., Mustikasari, A., & Bratawisnu, K. (2017). Consumer Perceptual Mapping Towards e-Banking Channel (A Study of Bank BRI Customer in Indonesia). Fifth International Conference on Information and Communication Technology (ICoICT).
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Sugiyono. (2022). METODE PENELITIAN KUANTITATIF (Setiyawami (ed.); 3rd ed.). ALFABETA.
Tantra, T., Giri, R., & Ramadhan, A. (2020). CONSUMER RESISTANCE TO INTERNET BANKING (STUDY ON NON ADOPTER INTERNET BANKING). Proceeding of the 8 Th International Seminar and Conference on Learning Organisation “Learning Organisation in the New Normal Era,” 8, 71–78.
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van Deursen, A. J. A. M., & van Dijk, J. A. G. M. (2012). The first-level digital divide shifts from inequalities in physical access to inequalities in material access. New Media and Society, 21(2), 354–375. https://doi.org/10.1177/1461444818797082
Van Dijk, J. A. G. M. (2012). The evolution of the digital divide: The digital divide turns to inequality of skills and usage. In Digital Enlightenment Yearbook 2012 (pp. 57–75). IOS Press. https://doi.org/10.3233/978-1-61499-057-4-57
Vassilakopoulou, P., & Hustad, E. (2021). Bridging Digital Divides: a Literature Review and Research Agenda for Information Systems Research. Information Systems Frontiers. https://doi.org/10.1007/s10796-020-10096-3
Zahiroh, M. Y. (2020). Cybersecurity Awareness and Digital Skills on Readiness For Change in Digital Banking. Journal Od Islamic Economics and Business Studies, 4. https://doi.org/10.31332/li
Asosiasi Peneyelengara Jasa Internet Indonesia. (2022, June). Profile Internet Indonesia 2022. Apjii.or.Id. https://apjii.or.id/survei/surveiprofilinternetindonesia2022-21072047
Badan Pusat Statistik. (2021, October 12). Jumlah Penduduk Kota Medan Menurut Kecamatan dan Jenis Kelamin (Jiwa), 2018-2020. Medankota.Bps.Go.Id. https://medankota.bps.go.id/indicator/12/31/1/jumlah-penduduk-kota-medan-menurut-kecamatan-dan-jenis-kelamin.html
Badan Pusat Statistik Provinsi. (2022, March). Indonesia | English Rata-rata Pengeluaran per Kapita Sebulan Makanan dan Bukan Makanan di Daerah Perkotaan dan Perdesaan Menurut Kabupaten/Kota (Rupiah), 2019-2021. Sumut.Bps.Go.Id. https://sumut.bps.go.id/indicator/154/176/1/rata-rata-pengeluaran-per-kapita-sebulan-makanan-dan-bukan-makanan-di-daerah-perkotaan-dan-perdesaan-menurut-kabupaten-kota.html
Bank Indonesia. (2022, September 15). Statistik Sistem Pembayaran dan Infrastruktur Pasar Keuangan (SPIP) Agustus. Bi.Go.Id.
Elhajjar, S., & Ouaida, F. (2020). An analysis of factors affecting mobile banking adoption. International Journal of Bank Marketing, 38(2), 352–367. https://doi.org/10.1108/IJBM-02-2019-0055
Giri, R., Putra, F., & Widarmanti, T. (2021). Modified UTAUT: Culture as a moderator on the use of iBanking services in Indonesia (1st ed.). Routledge. https://www.routledge.com/Synergizing-Management-Technology-and-Innovation-in-Generating-Sustainable/Rachmawati-Hendayani-Ayuningtias-Cahyaningsih-Dennyra/p/book/9781003138914?_gl=1*vkb4lk*_ga*MTI3MTk5MjE1OS4xNjc5NzQ5OTU1*_ga_0HYE8YG0M6*MTY4NjYyNzI3MS41LjEuMTY4NjYyNzQxOC4wLjAuMA..
Giri, R. R., Putra, F., & Tantra, T. (2021). IS CULTURE MAGNIFIED THE INTENTION TO USE OF INTERNET BANKING? (A STUDY OF MODIFIED UTAUT MODEL WITH HOFSTEDE CULTURE THEORY). Proceeding of the 8 Th International Seminar and Conference on Learning Organisation “Learning Organisation in the New Normal Era,” 8.
Giri, R., Wanda, V., & Irawan, H. (2019). Internet Banking Adoption Analysis in Medan and Bandung City Using the Unified Theory of Use and Acceptance of Technology (UTAUT) Model with Culture as Moderator. Atlantis Press, 65.
Hadi, N., & Andhaniwati, E. (2022). PENGARUH PERSEPSI MOBILE BANKING TERHADAP PERILAKU KEUANGAN MAHASISWA AKUNTANSI DI MASA PANDEMI COVID-19. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 6(2), 166-181. https://doi.org/10.31955/mea.v6i2.2006
Hair, J. F., Matthews, L. M., Matthews, R. L., & Sarstedt, M. (2017). PLS-SEM or CB-SEM: updated guidelines on which method to use. In Organizational Research Methods, MIS Quarterly, and International Journal (Vol. 1, Issue 2).
Hanifah, D., & Giri, R. (2022). Analisis Pengaruh Digital Divide terhadap Penggunaan Mobile Banking di DKI Jakarta. YUME : Journal of Management, 6(1), 639–652.
Hukama, Y., Rifaldi, R., & Giri, W. (2023). Analisis Faktor-Faktor Yang Membentuk Digital Skill Pada Penggunaan Mobile Banking Di Kota Medan. YUME : Journal of Management, 6(2), 39–63.
H, T. G., & Giri, R. (2021). ANALISIS ADOPSI MOBILE BANKING NASABAH BANK DI JAWA TENGAH MENGGUNAKAN MODEL UTAUT DENGAN BUDAYA SEBAGAI MODERATOR ANALYSIS OF MOBILE BANKING ADOPTION OF BANK CUSTOMERS IN CENTRAL JAVA USING UTAUT MODEL WITH CULTURE AS A MODERATOR. E-Proceeding of Management, 8(6), 7680.
Indrawati, & Adicipta, S. R. M. (2017). Factors influence internet banking acceptance (a case study of ABC internet banking in Bandung Indonesia). Journal of Engineering and Applied Sciences, 12(7), 1705–1709. https://doi.org/10.3923/jeasci.2017.1705.1709.
Khairani, G. A., & Giri, R. (2020). ANALISIS ADOPSI PENGGUNAAN MOBILE BANKING MENGGUNAKAN MODEL UTAUT MODIFIKASI DENGAN BUDAYA SEBAGAI MODERATOR DI KALIMANTAN TIMUR. Jurnal Mitra Manajemen, 4(7), 1025–1035.
Lembaga Simpan Pinjam (2022) DISTRIBUSI SIMPANAN BANK UMUMM Agustus 2022 https://lps.go.id/documents/10157/197446/DDS+BU+Agustus+2022.pdf/a69b26d6-7f1f-464a-a1de-12ac26878599
Mangkunegara, P. (2017). Manajemen Sumber Daya Manusia Perusahaan (S. Sandiasih, Ed.; 14th ed.). PT. Remaja Rosdakarya.
Nperf. (2023, January 4). Cellular data networks in Indonesia. Nperf.Com. https://www.nperf.com/en/map/ID/1214520.Medan/5119.Telkomsel/signal/?ll=3.6798520966270707&lg=98.64201276912355&zoom=12
Otoritas Jasa Keuangan. (2022). STATISTIK PERBANKAN INDONESIA agustus. https://www.ojk.go.id/id/kanal/perbankan/data-dan-statistik/statistik-perbankan-indonesia/Documents/Pages/Statistik-Perbankan-Indonesia---Agustus-2022/SPI Agustus 2022.pdf
Ramadhaniansyah, M., Rifaldi, R., & Giri, W. (2023). Analisis Pengaruh Digital Divide terhadap Penggunaan Mobile Banking di Kota Bontang. Economics and Digital Business Review, 4(1), 820–829.
Rifaldi, R., Giri, W., Santoso, B. R., Mustikasari, A., & Bratawisnu, K. (2017). Consumer Perceptual Mapping Towards e-Banking Channel (A Study of Bank BRI Customer in Indonesia). Fifth International Conference on Information and Communication Technology (ICoICT).
Simon Kemp. (2022, February 15). DIGITAL 2022: INDONESIA. DATAREPORTAL. https://datareportal.com/reports/digital-2022-indonesia
Sugiyono. (2022). METODE PENELITIAN KUANTITATIF (Setiyawami (ed.); 3rd ed.). ALFABETA.
Tantra, T., Giri, R., & Ramadhan, A. (2020). CONSUMER RESISTANCE TO INTERNET BANKING (STUDY ON NON ADOPTER INTERNET BANKING). Proceeding of the 8 Th International Seminar and Conference on Learning Organisation “Learning Organisation in the New Normal Era,” 8, 71–78.
Tirtana, I., & Sari, P. S. (2014). ANALISIS PENGARUH PERSEPSI KEBERMANFAATAN, PERSEPSI KEMUDAHAN DAN KEPERCAYAAN TERHADAP PENGGUNAAN MOBILE BANKING. Syariah Paper Accounting FEB-UMS.
van Deursen, A. J. A. M., & van Dijk, J. A. G. M. (2012). The first-level digital divide shifts from inequalities in physical access to inequalities in material access. New Media and Society, 21(2), 354–375. https://doi.org/10.1177/1461444818797082
Van Dijk, J. A. G. M. (2012). The evolution of the digital divide: The digital divide turns to inequality of skills and usage. In Digital Enlightenment Yearbook 2012 (pp. 57–75). IOS Press. https://doi.org/10.3233/978-1-61499-057-4-57
Vassilakopoulou, P., & Hustad, E. (2021). Bridging Digital Divides: a Literature Review and Research Agenda for Information Systems Research. Information Systems Frontiers. https://doi.org/10.1007/s10796-020-10096-3
Zahiroh, M. Y. (2020). Cybersecurity Awareness and Digital Skills on Readiness For Change in Digital Banking. Journal Od Islamic Economics and Business Studies, 4. https://doi.org/10.31332/li
Published
2023-07-13
How to Cite
Admara, K., & Giri, R. (2023). DIGITAL DIVIDE AND MOBILE BANKING UTILIZATION IN MEDAN CITY : AN EMPIRICAL INVESTIGATION. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 7(2), 1258-1281. https://doi.org/10.31955/mea.v7i2.3158
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