Effect of Trust, Risk Perception and Diffusion of Innovation on The Adoption/Use of Internet Banking in Indonesia

This study aims to prove the effect of trust, perceived risk, and diffusion of innovation on the adoption or use of internet banking in Indonesia.With a sample of 500 people from Jakarta, Bandung, Semarang, and Surabaya, and data collection using a questionnaire, the results obtained are that the hypothesis proposed is accepted, the relative advantage is how innovation can be said to be better than the previous one or even better than the previous one. The size of the decline is how an ad an adopter feels firsthand the impact of innovations that make them happy or dissatisfied with an innovation. The greater the relative advantage perceived by the advertiser, the easier it is for a group to adopt. The questionnaire consisted of two parts: the first part asked about the demographic information of the respondents, and the second part of the research questions used a 5-point Likert scale ranging from 1 (strongly disagree) to 5 (strongly agree). The result of coefficient -coefficient track standardized and statistical t value from the test results of the model above can be seen in the schedule following. innovation theory also contributes to the achievement of internet banking use because innovation is an idea, practice, or object that is considered new for individuals or other units so the use of internet banking, especially in Indonesia because it is relatively new in its services, can be said that the existence of this innovation has enabled the use of internet banking to become part of banking services for its customers.