An Investigation Effective Factors Usage of Smartphone for Use Mobile Banking Services Case: Student University Customers

This study analyzes the factors that influence the use of mobile banking services. Research focus on students because students are one of the promising young age segments and many use technologies. This mobile banking service is needed by users to increase the mobility of the use of services at the bank for all financial transactions. The developed mobile banking must have several factors that must be met, among others: security factors in transactions and personal data information from users, user data confidentiality factors, risk factors in service use, trust factors of service users, service usability factors, and service factors in mobile banking. Data collection by distributing questionnaires using Google forms and the results obtained were 340 respondents. The analysis was performed using quantitative techniques with SEM with analysis software is SMARTPLS 3.0. The analysis shows that there are four factors that significantly influence the use mobile banking, namely Security and Confidentiality, Perceived Trust, Perceived Risk, Services Mobile Banking. In addition, there is one factor that the Perceived of use smartphones does not affect the use of services mobile banking. The results show that users need the security and confidentiality of personal data and transactions carried out. This will indirectly increase user confidence in mobile banking, and the bank must reduce or eliminate all risks caused by mobile banking services. Knowing the influence of these factors can increase mobile usage in mobile services and increase usage interest, and the bank knows which services can be improved.