Analysis Of Innovation Attributes Towards Adoption Interest Of Syariah Bank E-Channel Facilities

Euis Widiati, Budi Suharjo, Diah Krisnatuti
2020 Al-Amwal Jurnal Ekonomi dan Perbankan Syari ah  
The growth of sharia banking in Indonesia which is considered slow. This study aims to analyse communication and attributes of innovation as well as thelevel of awareness, interest and desire of consumers in adopting e-channel of sharia banks. The data wereobtained from 150 respondents selected by convenience sampling with the criteria of customers who havesavings accounts both in conventional and sharia banks, and who have one of the e-channel facilities inconventional bank. The data were
more » ... sed using PLS. This study is a type of quantitative research.Respondents were taken from the entire population of conventional and sharia bank customers in Jabodetabek (Greater Jakarta). The data were obtained by face-to-face interviews using questionnaire tools. The results suggested that respondents are generally aware of the existence of e-channel facilities of sharia banks.Respondents' interest in e-channel is influenced by the strengthening of awareness regarding the benefitsoffered. The respondents' high interest continues to the next stage, which is the interest in using echannels. Abstrak Perkembangan tingkat pertumbahan bank syariah di Indonesia masih belum optimal. Penelitian ini bertujuan untuk menganalisis atribut inovasi pada tingkat kesadaran, ketertarikan, dan minat konsumen dalam mengadopsi e-channel bank syariah. Penelitian ini menggunakan 150 responden yang dipilih secara convenience sampling dengan kriteria yaitu nasabah multibank yang memiliki rekening tabungan di bank konvensional dan bank syariah, serta memiliki salah satu fasilitas e-channel pada bank konvensional. Data dianalisis menggunakan PLS. Responden diambil dari seluruh populasi nasabah bank konvensional dan bank syariah di wilayah Jabodetabek. Data dikumpulkan dengan cara face to face interview menggunakan alat bantu kuesioner. Hasil penelitian menunjukkan bahwa responden pada umumnya telah mengetahui keberadaan fasilitas e-channel bank syariah. Ketertarikan responden terhadap e-channel dipengaruhi oleh penguatan kesadaran terkait manfaat yang ditawarkan. Tingginya ketertarikan responden berlanjut ke tahap selanjutnya yaitu berminat untuk menggunakan e-channel.
doi:10.24235/amwal.v12i2.7130 fatcat:oy72ooyalbc3lf6izkdwcnb27m