Development Conceptual Model Smartphone Adoption for use Mobile Banking

The purpose of this article is to provide a conceptual model to study the factors that influence customer behavior in using or adopting mobile banking services with smartphones. In its development, many banking companies or those outside have taken the initiative to make mobile banking services more useful for all customers or their use. Therefore, it is necessary to understand what factors influence the customer's intention to adopt mobile banking with a smartphone. For this reason, development is needed in making conceptual models. This development of conducting a literature review is very important to expand the theory found scientifically. It is evaluated from instruments developed by testing validity and reliability using smart pls 2.0 and using the snowball sampling technique for sampling respondents. Distribution of instruments is done with Google Form. Data collected 258 respondents, and valid respondent data obtained 240 respondents to use. The results of this study are conceptual models that have seven variables: security, confidentiality, Perceived trust, Perceived of use smartphones, mobile banking services, the use of mobile banking and the development of instruments producing 39 instruments. The reliability test with Cronbach's alpha value above 0.5 and AVE value above 0.6. Validity test with a cross-loading value above 0.6, which value stated that the instrument was eligible to collect data from a larger survey in this study.