Penggunaan Mobile Banking di Denpasar Bali: Perspektif Digital Divide
Abstract
The development of digital technology in the era of Industry 4.0 has facilitated societal activities. The internet penetration rate in Indonesia has reached 72.02 percent, indicating high internet access. The innovation of mobile banking by Bank Indonesia has helped simplify transactions, although the value of mobile banking transactions is still lower compared to conventional banks. In Bali, a region with rapid economic growth and high internet access, coupled with the increasing use of e-money, however, the level of digital literacy in Bali is still low, with a score of 47.48, which needs to be improved. The use of mobile banking needs to be balanced with efforts to bridge the digital divide. The research utilizes a quantitative method with data analysis techniques using PLS-SEM through WarpPLS 7.0 software. Nonprobability purposive sampling is used as the sampling technique. Data collection involves primary and secondary data through the distribution of questionnaires. The sample size in this research is 302 respondents from the population of mobile banking users in Denpasar. The findings indicate that motivation, physical and material access, mobile banking skills, and usage significantly and positively influence the use of mobile banking in Denpasar.
Keywords
Full Text:
PDFReferences
APJII. 2022. Profil Internet Indonesia
Arditya, T., & Rifaldi, R. 2021. Analisis Adopsi Mobile Banking Nasabah Bank di Jawa Tengah Menggunakan Model Utaut dengan Budaya sebagai Moderator, e-Proceeding of Management, 8(6), 7680-7687
Barnes, S. J., & Corbitt, B. 2003. Mobile banking: concept and potential. International Journal of Mobile Communications, 1(3), 273–288.
BPS Provinsi Papua. 2018, Indeks Pembangunan Manusia Provinsi Papua Tahun 2017, diakses melalui website https://papua.bps.go.id/pressrelease/2018/05/07/336/indeks-pembangunan-manusia-provinsi-papua-tahun-2017.html
Hukama, Y., Rifaldi, R., & Giri, W. 2023. YUME : Journal of Management Analisis Faktor-Faktor Yang Membentuk Digital Skill Pada Penggunaan Mobile Banking di Kota Medan. YUME : Journal of Management, 6(2).
Jauhiainen, J. S., Eyvazlu, D., Junnila, J., & Virnes, A. 2022. Digital divides,the Internet and social media uses among Afghans in Iran. Technology in Society, 70
Özer, M., Canbay, Ş., & Kırca, M. 2021. The impact of container transport on economic growth in Turkey: An ARDL bounds testing approach. Research in Transportation Economics, 88(3), 155–165.
Reska Sisilia, A., Rifaldi, R., & Giri, W. 2020. Analisis Pemasaran Media Sosial untuk Menentukan Influencer dan Topik Pembicaraan (Studi Kasus: Go-Pay dan OVO), Jurnal Mitra Manajemen (JMM Online). 4(7), 1036–1047.
Rifaldi, R., Giri, W., Apriliani, D., & Sofia, A. 2019. Behavioral Intention Analysis on E-Money Services in Indonesia: Using the modified UTAUT model.
Rifaldi, R., Giri, W., Wanda, V., & Irawan, H. 2019a. Internet Banking Adoption Analysis in Medan and Bandung City Using the Unified Theory of Use and Acceptance of Technology (UTAUT) Model with Culture as Moderator.
Rifaldi, R., Giri, W., Wanda, V., & Irawan, H. 2019b. Internet Banking Adoption Analysis in Medan and Bandung City Using the Unified Theory of Use and Acceptance of Technology (UTAUT) Model with Culture as Moderator.
Rifaldi Windya Giri, R., Widya Yosfi, R., & Hendayani, R. 2019. What Factors Influence the Behaviour Intention of the Internet Banking.
Salma, M., & Giri, R. 2023. Digital Skill Confirmation Factor Analysis on the Use of Mobile Banking Services in the City of Surakarta. Ilomata International Journal of Management, 4(2), 249–266. https://doi.org/10.52728/ijjm.v4i2.756
Soomro, K. A., Kale, U., Curtis, R., Akcaoglu, M., & Bernstein, M. 2020. Digital divide among higher education faculty. International Journal of Educational Technology in Higher Education, 17(1).
Van Dijk. 2012. The evolution of the digital divide: The digital divide turns to inequality of skills and usage. Digital Enlightenment Yearbook 2012, 57–75.
Van Dijk, J. 2020. Jan van Dijk - The Digital Divide-Polity Press
Vial, G. 2019. Understanding digital transformation: A review and a research agenda. Journal of Strategic Information Systems, 28(2), 118–144.
Ventures, East. 2022. Digital Competitiveness Index 2022 : Menuju Era Keemasan Digital Indonesia
DOI: http://dx.doi.org/10.33087/ekonomis.v8i1.1328
Refbacks
- There are currently no refbacks.

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Ekonomis: Journal of Economics and Business Published by Lembaga Penelitian dan Pengabdian kepada Masyarakat |