ANALYSIS OF DIGITAL SKILL CONFIRMATION FACTORS IN THE USE OF MOBILE BANKING SERVICES IN BOGOR REGENCY
Keywords:
Consumer Behavior, Mobile Banking, Digital SkillsAbstract
This research was conducted to confirm what digital skills factors could represent the construct, at least one that represented the use of mobile banking services in Bogor Regency. This research uses non-probability sampling and purposive sampling techniques and the number of samples used is 366 who are banking customers who use mobile banking in Bogor Regency. In this study, the analysis technique used Confirmatory Factor Analysis (CFA) and by using AMOS software version 24 as a tool for conducting analysis in the research conducted. The research variables used in this study include operational mobile skills, information navigation skills, creative skills, and social skills with a total of 30 indicators used. The results obtained based on digital skills factor analysis on the use of mobile banking services in Bogor Regency show that all the indicators used in this study represent the construct because the loading factor value is more than > 0.30 which is stated to be valid but the fit model in this study is still found to be a model that does not fit , so that the modification of the model is carried out to get a fit model. This research is a form of researcher's contribution to confirm what factors influence digital skills in the use of mobile banking services then suggestions that can be given for further research using exploratory factor analysis (EFA) so that the model to be used gets a fit model when reprocessed using confirmatory factor analysis (CFA).
Downloads
References
Afshan, S., & Sharif, A. (2016). Acceptance of mobile banking framework in Pakistan. Telematics and Informatics , 371.
Alalwan, A., Dwivedi, Y., & Rana, N. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management .
Ardianto, P. (2022, May 30). National Banking in Healthy Condition . Retrieved from investor.id: https://investor.id/finance/295236/perbankan-nasional-dalam-condition-sehat-walafiat
Baabdullah, AM, Alalwan, AA, Rana, NP, Kizgin, H., & Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management , 40.
Central Bureau of Statistics. (2020). Percentage of Population Aged 5 Years and Over Who Accessed the Internet in the Last 3 Months by Gender (Percent), 2019-2020 . Retrieved from https://bogorkab.bps.go.id/: https://bogorkab.bps.go.id/indicator/2/272/1/persentase-penduduk-berumur-5-tahun-ke-atas-yang -accessed-the-internet-in-the-last-3-months-by-gender.html
Central Bureau of Statistics. (2021). Total Population by Age Group and Gender in Bogor Regency (Person), 2020-2021 . Retrieved from bogorkab.bps.go.id: https://bogorkab.bps.go.id/indicator/12/115/1/nomor-penduduk-menurut-group-umur-dan-tipe-kelamin-di-kabupaten- bogor. html
BCA. (2021). Innovation and Collaboration for a Better Tomorrow. Retrieved from BCA.co.id: https://www.bca.co.id/-/media/Feature/Report/File/S8/Laporan-Tahunan/2022/20220217-buku-ar-bca-2021-ID. pdf
BCA. (2022). About BCA . Retrieved from BCA.co.id: https://www.bca.co.id/en/about-bca?funnel_source=searchresult
BCA Mobile. (2022). Retrieved from https://www.bca.co.id/id/Individu/layanan/e-banking/BCA-Mobile
Binus University. (2014). Validity Test and Reliability Test . Retrieved from qmc.binus.ac.id: https://qmc.binus.ac.id/2014/11/01/ujivaliditasdanujirel-iabilitas/
bni. (2022). BNI Mobile Banking . Retrieved from bni.co.id: https://www.bni.co.id/id-id/bnimobilebanking
bni. (2022, September 23). BNI Strengthens Mobile Banking With Additional Featured Features . Retrieved from bni.co.id: https://www.bni.co.id/id-id/beranda/kabar-bni/berita/articleid/21603#:~:text=Adapun%2C%20application%20BNI%20mobile %20banking, in the amount of%2034%2C8%25%20YoY
BRI. (2022). BRI Mobile Banking . Retrieved from bri.co.id: https://bri.co.id/brimo
BRIMobile. (2022). BRImo . Retrieved from BRI.co.id: https://bri.co.id/brimo
Burhan, F. (2022, October 24). Digital Banking Transactions Up 29.47 Percent, Take a Peek at the Achievements of BNI, Mandiri, to BRI . Retrieved fromfinance.business.com: https://finansial.business.com/read/20221024/90/1590678/transaksi-digital-banking-naik-2947-persen-intip-achievement-bni-mandiri-till-bri
Cooper, DR, & Schindler, PS (2014). Business Research Methods 12th Edition. New York: McGraw-Hill.
Cooper, DR, & Schindler, PS (2014). Business Research Methods 12th Edition. In DR Cooper, & PS Schindler, Business Research Methods 12th Edition (p. 338). New York: McGraw-Hill Companies.
Dachlan, U. (2014). Complete Guide to Structural Equation Modeling. Semarang: Lantern of Science.
Databox. (2022). Internet Users in the World Reach 4.95 Billion People As of January 2022 . Retrieved from databoks.katadata.co.id: https://databoks.katadata.co.id/datapublish/2022/02/07/pengguna-internet-di-dunia-reach-495-miliar-orang-per-januari- 2022
Hair, FJ, Black, WC, Babin, BJ, & Anderson, RE (2019). Multivariate Data Analysis. Pearson Education Limited.
Karnadi, A. (2022, April 8). Internet Users in Indonesia Reach 205 Million in 2022 . Retrieved from dataindonesia.id: https://dataindonesia.id/digital/detail/pengguna-internet-di-indonesia-reach-205-juta-pada-2022
Ministry of Finance. (2022, October 27). Indonesia's Economy Facing Rapid and Fundamental Changes, Minister of Finance: Economic Recovery is Still Strong . Retrieved from Kemenkeu.go.id: https://www.kemenkeu.go.id/formasi-public/publikasi/berita-utama/Pemulihan-Ekonomi-Masih-Kuat
DJPB Ministry of Finance. (2022, February 14). Digital Banking . Retrieved from djpb.kemenkeu.go.id: https://djpb.kemenkeu.go.id/direktorat/pkn/id/odading/2919-digital-banking.html
Livin' by Mandiri. (2022). Livin' by Mandiri . Retrieved from bankmandiri.co.id: https://www.bankmandiri.co.id/livin/edukasi/cara-update-livin-by-mandiri-logo-biru
Malaquias, RF, & Hwang, Y. (2016). An empirical study on trust in mobile banking: A developing country perspective. Computers in Human Behavior , 453.
Independent. (2022). Livin' by Mandiri . Retrieved from Bankmandiri.co.id: https://www.bankmandiri.co.id/livin
Mothersbaugh, DL, & Hawkins, DI (2015). Consumer Behavior "Building Marketing Strategy". McGraw Hill Education.
Mothersbaugh, DL, Hawkins, DI, & Kleiser, SB (2019). Consumer Behavior "Building Market strategy". McGraw Hill.
nperf. (2022). Telkomsel 3G / 4G / 5G coverage map, Indonesia . Retrieved from nperf.com: https://www.nperf.com/id/map/ID/-/5119.Telkomsel/signal/?ll=-6.6133786359207845&lg=106.82189946994188&zoom=9
OCBC NISP. (2022, January 10). Digital Bank: Definition, Services, Strengths & Weaknesses . Retrieved from ocbcnisp.com: https://www.ocbcnisp.com/id/article/2022/01/10/digital-bank-ada
OJK. (2022). Internet Banking and Mobile Banking. Retrieved from Attitudeiuangmu.ojk.go.id: https://sikapiuangmu.ojk.go.id/FrontEnd/images/FileDownload/417_Perbankan-4a%20mudah%20dan%20aman%20dengan%20internet%20banking%20dan%20mobile%20banking_2018_small. pdf
Perwitasari, USA (2022, August 11). BI Records Mobile Banking Transactions Translucent IDR 3,888.09 Trillion until May 2022 . Retrieved from https://keuangan.kontan.co.id/: https://keuangan.kontan.co.id/news/bi-catat-transaksi-mobile-banking-tembus-rp-388809-triliun-dinding-mei -2022
Rawat, A. (2021, March 31). An Overview of Descriptive Analysis . Retrieved from https://www.analyticssteps.com/: https://www.analyticssteps.com/blogs/overview-descriptive-analysis
Sugiyono. (2011). Quantitative Research Methods, Qualitative, and R&D. Bandung: Bandung Alphabet Publisher.
Sugiyono. (2018). Management Research Methods. Bandung: Alphabet.
Sugiyono. (2018). Management Research Methods. Bandung: Alphabet.
Sugiyono. (2022). Quantitative Research Methods. Bandung: Alphabet.
Susianti, D. (2022, August 25). Digitizing Villages in Bogor Regency to Control Inflation Work Together with BI-Netzme . Retrieved from https://mediaindonesia.com/: https://mediaindonesia.com/megapolitan/517577/digitalisasi-desa-di-kabupaten-bogor-untuk-kendalikan-inflasi-kerja-bareng-bi-netzme
Topbrand. (2022). TOP BRAND INDEX PHASE 1 2022 . Retrieved from topbrand-award.com: https://www.topbrand-award.com/en/top-brand-index-int/?tbi_find=bank
Van Deursen, A., Helsper, E., & Eynon, R. (2016). Development and validation of the Internet Skills Scale (ISS). Information, Communication & Society , 13.
Van Deursen, A., & Van Dijk, J. (2009). Improving digital skills for the use of online public information and services. Government Information Quarterly .
Van Deursen, A., Dolnicar, V., Burnik, T., & Petrovcic, A. (2021). Measuring internet skills in a general population: A large-scale validation of the short Internet Skills Scale in Slovenia. Routledge Taylor & Francis Group .
Van Deursen, A., Helsper, E., & Eynon, R. (2016). Measuring Digital skills From Digital Skills to Tangible Outcomes project report. In A. Van Deursen, EJ Helsper, & R. Eynon, Measuring Digital skills From Digital Skills to Tangible Outcomes project report (p. 9).
Van Dijk, J. (2012). The Evolution of the Digital Divide: The Digital Divide turns to Inequality of Skills and Usage. Digital Enlightenment .
Van Laar, E., Van Deursen, A., Van Dijk, & Haan, J. (2017). The relation between 21 -century skills and digital skills or literacy: A systematic literature review. Elsevier .
Wijanto, SH (2008). Structural Equation Modeling with Lisrel 8.8. Yogyakarta: Graha of Science.
