The Analysis of Banking Consumers’ Attitude toward Non-Cash Transactions Through the Theory of Planned Behavior

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International Conference of Organizational Innovation (2016 ICOI), Airlangga University, Faculty of Economics and Business, ndonesia; Huaqiao University, Institute of Quantitative Economics, China
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.
Non-cash transactions, theory of planned behavior, banking consumers, attitude, Indonesia