Mobile Banking Adoption In Emerging Countries: The Role Of Customer Demographic Characteristics

Dhoni Rizky Widya Mardika

Abstract


Tujuan penelitian ini untuk mengisi research gap tersebut dan menguji apakah terdapat pengaruh usia, responden yang bekerja dan pendidikan berpengaruh terhadap adoposi mobile banking. Penelitian ini menggunakan metode logistic regression untuk menguji pengaruh usia, responden yang bekerja dan pendidikan terhadap adopsi mobile banking. Kami menggunakan data Global Financial Inclusion Database. Kami berfokus mengambil responden dari negara emerging countries yaitu Albania, Argentina, Bangladesh, Brazil, Chile, Ecuador, Egypt, Ethiopia, Ghana, Guatemala, Honduras, India, Indonesia, Jordan, Kenya, Malawi, Malaysia, Morocco, Mozambique, Namibia, Nigeria, Pakistan, Panama, Peru, Philippines, Romania, Senegal, Tanzania, Thailand, Venezuela, Vietnam, dan Zambia, total jumlah sampel adalah 16.421 responden. Hasil penelitian ini memberikan kontribusi kepada pihak perbankan di negara – negara emerging countries bahwa ada baiknya jika ingin meningkatkan adopsi mobile banking untuk lebih berfokus pada nasabah yang usianya lebih muda, nasabah yang bekerja dan nasabah yang memiliki pendidikan tinggi. Penelitian ini memberikan pengetahuan berharga tentang hubungan pengaruh usia, responden yang bekerja dan pendidikan terhadap adopsi mobile banking yang selama ini belum dilakukan dengan memasukkan berbagai negara dalam suatu analisis.

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DOI: https://doi.org/10.29313/performa.v19i01.9718

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