PENGARUH PERSEPSI MANFAAT, KEMUDAHAN PENGGUNAAN, DAN SIKAP TERHADAP KEPUTUSAN MENGGUNAKAN MOBILE BANKING BAGI NASABAH BANK MANDIRI DI SURABAYA

In this era of globalization so rapidly along with the rapid development of technology. In particular developments in the field of information technology very rapidly assist the activities of human life. The diversity of urban human activities make them aware of the importance of advanced technology that forces them to always act fast, practical, effective and efficient. As for the e-banking facilities offered by various banks to make ends meet. E-banking includes ATM Banking, Mobile Banking, Phone Banking, SMS Banking and Internet Banking is still low utilization of mobile banking facility as banking services will have a positive impact if the customer can not accept the technology better, and use them in everyday life. This study aims to determine how much influence the perceived usefulness, ease of use, and attitudes to the decision to use mobile banking for customers of Bank Mandiri in Surabaya. The population in this study is the customer who was 19 years old. The sample in this study was 100 respondents and the technique used is purposive sampling. The analytical method used is multiple linear regression analysis. This study is about the customer's decision to use mobile banking independent bank in Surabaya. Results from this study is that the variable perceptions of benefits, ease of use and attitudes are jointly significant effect on the decision to use mobile banking for customers independent bank in Surabaya denied. Keywords : Perceived Benefits, Ease of Use, Attitudes, and the Decision to Us