The Analysis of Banking Consumers’ Attitude toward Non-Cash Transactions Through the Theory of Planned Behavior
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Date
2016-07-26
Journal Title
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Publisher
International Conference of Organizational Innovation (2016 ICOI), Airlangga University, Faculty of Economics and Business, ndonesia; Huaqiao University, Institute of Quantitative Economics, China
Abstract
This study is based on the phenomenon that non-cash transactions in Indonesia are still very
low compared with other countries in the world, especially in ASEAN, whereas non-cash
transactions are more profitable for economic system of a society. In explaining the
phenomenon, the researchers used the Theory of Planned Behavior4 and non-cash payment
instruments2 as the basis for an analysis of consumer behavior in non-cash transactions. The
sample of this study is 350 bank customers in Bandung, who own and use non-cash payment
instruments, especially in the form of cards, including the debit cards, credit cards, ATM
cards, and smart cards or e-money. The statistical analysis used is correlation, while the data
collection is conducted through verifying the validity and reliability using confirmatory factor
analysis. The result is that the attitude towards technology, safety, and comfort are the three
variables that can predict consumers’ intention to undertake non-cash transactions.
Researchers also discussed several recommendations and further researches related to noncash
transactions in Indonesia.
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Keywords
Non-cash transactions, theory of planned behavior, banking consumers, attitude, Indonesia