The Role of Attitudes in Editing the Effect of Perception of Benefits and Use of Use on Interest in Using Internet Banking

Abstract

This study aims to determine the effect of perceived benefits and the ease of use of interest in using BRI internet banking with the role of attitude as mediation. The location of this research was conducted at PT Bank Rakyat Indonesia Denpasar Branch Renon. The population in this study were BRI internet banking users, which numbered 3,641. This study uses a type of quantitative data, using primary and secondary data sources, and data collection techniques used are interviews, documentation, and using instruments in the form of questionnaires. Sampling in this study is proportional to each customer. While the determination of respondents used random sampling by lottery on the customer list. The minimum number of samples targeted in the study were 98 people. The analysis technique used is Structural Equation Modeling (SEM) with a variance based or component based approach with Partial Least Square (PLS).

The results of this study indicate that: 1) Perception of benefits has a positive and significant effect on attitudes, 2) Ease of use has a positive and significant effect on attitudes, 3) Perception of benefits has a positive and significant effect on interests, 4) Ease of use has a positive and significant effect on attitudes, 5) Perception of benefits has a positive and significant effect on interest through attitudes, 6) Ease of use has a positive and significant effect on interest through attitude.