PENGARUH KEPERCAYAAN, KEMUDAHAN PENGGUNAAN DAN RISIKO YANG DIRASAKAN TERHADAP NIAT MENGGUNAKAN INTERNET BANKING PADA NASABAH BANK CIMB NIAGA DI SURABAYA

New Information technology has taken important place in the future development of financial services, especially banking sector transition are affected more than any other financial provider groups. Increased use of mobile services and use of internet as a new distribution channel for banking transactions and international trading requires more attention towards e-banking security against fraudulent activities. The purpose of this study is to determine the effect of independent variables (trust, perceived ease of use, and perceived risk) on the intention of customers using internet banking of CIMB Niaga in Surabaya as the dependent variable either simultaneously or partially. The research use causal design. Data collecting method using questionnaire The statistical method used in this study is multiple regression analysis using SPSS 16.0. The number of samples are 100 samples. Data analysis technique by linier double regression. The results of this study show that variable trust, perceived ease of use simultaneously has a significantly positive effect on the Customer’s intention to use Internet Banking of CIMB Niaga in Surabaya. On the other hand, perceived risk variable partially has no significant negatively effect on the customer's intention use Internet Banking of CIMB Niaga in Surabaya. Keywords : Trust, Perceived Ease Of Use, Perceived Risk, Intention To Use, Internet Banking