PENGARUH RESISTANCE BARRIERS DAN FAKTOR DEMOGRAFI TERHADAP RESISTENSI INOVASI MOBILE BANKING DI KOTA MATARAM

Abstract

This study is aimed to examine variables that determine mobile banking resistance among banking customer in Mataram. The study included independent variables to a logistic regression model to predict mobile banking adoption or non-adoption. Referring Theory of Innovation Resistance that proposed by Ram and Sheth’s (1989), the study examined the effect of resistance barriers variables i.e. usage barrier, value barrier, risk barrier, tradition barrier and image barrier on mobile banking resistance. In addition, the study examined demographic factors i.e. gender, age, level of education and household income. Total respondents were 234, who were of customers of BRI, BCA and Mandiri in Mataram who use mobile devices (cellular phones, smartphones, tablets). Data were analyzed using Binary Logistic Regression because the dependent variable i.e. mobile banking resistance is measured by a binary scale, 0 for “user” and 1 for “non-user”. The results showed that usage barrier, value barrier, and risk barrier had a positive significant effect on mobile banking resistance. Among demographic variables, only gender and age had a significant effect on mobile banking resistance, while household income and level of education had a non-significant effect.Keywords: mobile banking, resistance barriers, innovation resistance, logistic regression