The Impacts Of Trust, Risk And Technology Acceptance Models On Consumers’ Decision With Consumers’ Interest As Intervening Variable

Ismulyaty, Sri and Siswantini, Wiwin (2015) The Impacts Of Trust, Risk And Technology Acceptance Models On Consumers’ Decision With Consumers’ Interest As Intervening Variable. In: International Annual Symposium On Management “Sustainability As A Strategic Business Orientation In Global Economic Recovery Phase”, 13-15 Maret 2015, Makassar.

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Abstract

According to the record of WDR research, the growth of internet users in Indonesia reached 105% per year and becomes the highest growth among Asian countries after China (Boerhanoeddin, 2003 in Ainur, 2007). There are six reasons why internet technology becomes very popular. Those six reasons are; internet has wide connectivity and range; internet can reduce the cost of communication; the lower transaction cost can lower agency cost; internet is interactive; internet is flexible, internet is easy, and internet has ability to distribute knowledge fast. The aims of this research are to figure out the impacts of trust, risk and technology acceptance models, perceived case of use, perceived usefulness, perceived of credibility towards the consumers’ interest in using internet banking; the effects of consumers’ interest in using internet banking toward the decision in performing transaction through; and how the effects of consumers’ interest in using internet banking mediate the relation between trust, risk and technology acceptance models with the decision to perform transaction through internet banking. From the result of discussion, the conclusion of this research could be taken as follows: trust brings effects on consumers’ interest in using the internet banking; risk brings effects on consumers’ interest using the internet banking; perceived case of use brings effects on consumers’ interest using the internet banking; perceived usefulness brings effects on consumers’ interest using the internet banking; perceived of credibility brings effects on consumers’ interest using the internet banking; consumers’ interest in using internet banking brings effects on decision to perform transactions; consumers’ interest in using internet banking could mediate the relation between trust, risk and technology acceptance models with decision to perform transaction through the internet banking.

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