@mastersthesis{eprints11551,
           month = {Juli},
           title = {PENGARUH PERSEPSI RISIKO, PERSEPSI MANFAAT, DAN PERSEPSI
KEMUDAHAN PENGGUNAAN INTERNET BANKING TERHADAP
KEPERCAYAAN NASABAH DALAM MENGGUNAKAN
LAYANAN INTERNET BANKING
DI BRI KCP TANJUNG AGUNG},
          school = {Univeristas Lampung},
          author = {1321011013 ERVINA KUSUMAWATI},
            year = {2015},
             url = {http://digilib.unila.ac.id/11551/},
        abstract = {ABSTRAK
PENGARUH PERSEPSI RISIKO, PERSEPSI MANFAAT, DAN PERSEPSI
KEMUDAHAN PENGGUNAAN INTERNET BANKING TERHADAP
KEPERCAYAAN NASABAH DALAM MENGGUNAKAN
LAYANAN INTERNET BANKING
DI BRI KCP TANJUNG AGUNG
Oleh
ERVINA KUSUMAWATI
Kehadiran internet banking sebagai salah satu bentuk layanan bank telah
memberikan berbagai kemudahan dan manfaat kepada nasabah dalam melakukan
transaksi keuangan. Kemudahan dan manfaat tersebut tidak lepas dari risiko
sehingga berdampak pada menurunnya tingkat kepercayaan nasabah dalam
menggunakan internet banking. Penelitian ini bertujuan untuk menganalisis
pengaruh persepsi risiko, persepsi manfaat dan persepsi kemudahan penggunaan
internet banking terhadap kepercayaan nasabah dalam menggunakan layanan
internet banking.
Teknik analisis menggunakan regresi linier berganda dengan tujuan untuk
menguji empat hipotesis yang telah dikembangkan. Hasil pengujian hipotesis
membuktikan bahwa keempat hipotesis yang diuji memberikan pengaruh yang
signifikan. Artinya, persepsi risiko berpengaruh terhadap kepercayaan nasabah
dalam menggunakan layanan internet banking, persepsi manfaat berpengaruh
terhadap kepercayaan nasabah dalam menggunakan layanan internet banking,
persepsi kemudahan penggunaan berpengaruh terhadap kepercayaan nasabah
dalam menggunakan layanan internet banking baik secara parsial maupun
simultan.
Hasil penelitian menyarankan bahwa kehilangan waktu transaksi akibat gangguan
konektivitas dan hambatan lainnya (error system) harus diminimalisir untuk
meningkatkan kepastian dalam risiko. Pada konten fitur dan menu-menu layanan
internet banking BRI harus dipertahankan dan ditingkatkan sehingga dapat
mendongkrak kepercayaan nasabah dalam menggunakan layanan internet banking.
Kata Kunci : Layanan Internet Banking, Persepsi Nasabah, Kepercayaan Nasabah

ABSTRACT
THE EFFECT OF PERCEIVED RISK, PERCEIVED USEFULNESS AND
PERCEIVED EASE OF USE OF INTERNET BANKING TOWARDS
CUSTOMER TRUST IN USING INTERNET BANKING SERVICES
AT BRI KCP TANJUNG AGUNG
By
ERVINA KUSUMAWATI
Internet banking presence as one of the bank services has provided various
facilities and benefits to customer in making financial transactions. These
facilities and benefits are not separated from risk and impact on the decline in
level of customer?s trust in using internet banking.
This study aimed to analyze the effect of perceived risk, perceived usefulness and
perceived ease of use towards customer?s trust in using internet banking services.
The objects of this study were the customers of BRI KCP Tanjung Agung that
using internet banking services. Total of 100 respondent were sampled and
analyzed using multiple regression.
This study using analytical techniques multiple liniear regression with the aim to
examine four hypothesis that have been developed in this study. Test results has
proven that the four hypothesis tested have a significant effect. It was found that
perceived risk significantly effect customer?s trust in using internet banking
services, perceived usefulness significantly effect customer?s trust in using
internet banking services and also perceived ease of use significantly effect
customes?s trust in internet banking partially and simultanly.
This research suggests that the loss of connectivity when a transaction due to
interference and other obstacles (error system) should be minimized as well as
features, content and menus on BRI internet banking services should be
maintained and improved so it can enhance the customer?s trust in using internet
banking services.
Keywords : Internet Banking Services, Customer?s Perceived, Customer?s Trust}
}