There are several things that affect the willingness of customers to use the online payment system services; those are, the tendency factor of using the internet and experience factor of using the internet. Those factors have a positive influence on the willingness of customers to use online payment system facility.
Perception of risk in using the online payment system service facilities has a negative influence on the willingness of customers to use online payment system facility because the use of the internet has several types of risks that should be acceptable to customers.
The tendencies to use the internet and the internet experience factors have a negative influence on the perception of risk in the willingness of customers to use online payment system facilities. Does the perception of risk have a mediation role in the relationship between the tendency to use and experience to use the internet to customers’ willingness to use online payment system? This is a kind of interesting question to study.
The willingness of using online payment system service is a big opportunity for the E-Business development, especially in Yogyakarta, Indonesia.
INTRODUCTION
In a very tight competition among banks, customer decision factors become a serious concern. Each bank has various disclosure diverse to give everything as expected, like "A customer is a boss", "Customer decision is our goal", and so on. Developmental in banking service system today is mostly done with information technology as the main device. The use of information technologies provide a wide range of convenience, facilities, and services for customers. The banks should be able to adapt quickly to implement the system of banking operations with the help of information technology in providing services for their customers. In addition, the service by using information technology must be supported by the ability of the company to create programs or tools that are easy to use by clients (user friendly).
One of the banking services using information technology facilities is the online banking in conducting online payments, or online payment system. Online payment system is a new breakthrough in the world of banking company provided banking services to serve customers' financial transactions online, either a transaction using credit cards, debit cards, and online money transfer through online payment system.
The ability of banking services in providing a good online payment system service will reduce the risk and provide a positive contribution to improve the use of online payment system in every financial transaction made by their customers. The use of online payment system services is believed to provide more benefits and convenience for the customer and for the company the use of a conventional financial transaction system.
Problems
- Does the trend of using the internet and the experience of using the Internet significantly affect the willingness of customers to use online payment system?
- Does the tendency of using the internet and the experience of using the Internet become a significant influence on the perception of the risk of the use of online payment system facility?
- Is there a relationship between the tendency to use the Internet and the experience of using the internet with the willingness of customers to use online payment system?
- Does the risk perception of the online payment system services have a significant effect on the customers' willingness to use online payment system?
Limitations
Limitations of the problems in this study are:
- The respondents in this research are the bank customers who use the services of Online payment system service in Yogyakarta, Indonesia.
- The variables used in this study consist of: The tendency to use the internet, The experience of using the internet, Perception of risk, and Willingness to use the online payment system facility.
Research Objectives
The purposes of this study are:
- To determine the influence of the tendency of using the internet and the experience of using the internet to the willingness of customers to use online payment system.
- To determine the effect of the risks perception in using online payment system to the customers' willingness to use online payment system.
- To determine the mediating effect of perceived risk of using online payment system in the correlation between the tendency to use the internet with the customers' willingness to use online payment system.
LITERATURE REVIEW
Information Technology
Information technology has an important role in most of the business process reengineering. Speed, information processing capabilities, and connectivity of computer and internet technology can improve and increase the business process efficiently. Information technology is not limited to computer technology (hardware and software set of tools) that is used to process and store information, but that includes information technology to transmit information.
Theory of Reason Action (TRA)
Theory of Reason Action was introduced by Fishbein and Ajzen (1975), which helps researchers to understand and predict the attitudes and behavior of individuals. TRA has successfully predicted and explained the behavior of different areas of study. The TRA theory is most often used as a theoretical model of the information system. Individual's performance of a particular behavior is determined by the purpose for running behaviors, and the destination is determined by attitude and subjective norm. Several specific factors in determining the behavior of technology acceptance are: behavioral intention to define the behavior, if behavioral intention combined with the attitude and subjective norm.
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