The Effect of Technology Acceptance Model (TAM) Variable to Actual Usage through Behavioral Intention in Real Effort to Increase Internet Banking Usage in Indonesia

Banking is one of industry that is currently growing rapidly and of course with the development of information technology is a great opportunity for players in this industry. This great opportunity can be used to further develop its business towards information technology. One of the information technology-based banking products today is internet banking. According to Shih and Fang (2006) internet banking is a new type of information system that uses developing techniques such as the internet and the World Wide Web, and has changed the way consumers carry out various financial activities in virtual space. The research objective is to find out the characteristics of internet banking users and find out the factors that influence the users of internet banking. Also the advantage of this research can enrich the knowledge of using information technology so that information technology such as internet banking can be used not only in the banking industry but can be applied in various commercial enterprises and in non-commercial enterprises. The research method used is non probability sampling in big cities in Indonesia. Analysis of data processing uses multiple regression with SPSS 20.00 software. The results of the first year research are divided into two, namely the results of qualitative research that successfully strengthens the research model that perceived usefulness variables, perceived ease of use, perceived credibility, compatibility, personal innovativeness, and social influence affect the interest in using internet banking to become a real use of Internet banking. In addition, by using quantitative research successfully produced indicators that valid and reliable for each variable, namely actual usage of 3 indicators, 4 indicators of behavioral intention, 6 indicators of perceived usefulness, 6 indicators of perceived ease of use, 4 indicators of perceived credibility, 4 indicators of compatibility, 3 indicators of personal innovativeness, and 4 indicators of social influence. In the second year, there are also two research results, namely the results of qualitative research and prototypes of internet banking websites that are consistent with the results of the study. In the final report with 1500 respondents successfully obtained the results of the 7 hypotheses proposed, 6 hypotheses were accepted and 1 hypothesis was rejected. Positive and significant influence of perceived usefulness, perceived ease of use, perceived credibility, compatibility, and personal innovativeness to the behavioral intention are received. Likewise positive effects and significant behavioral intention towards actual usage were accepted. While the influence of social influence on positive behavioral intention is not significant. Keywords: Personal Innovativeness, Social Influence, Compatibility, Behavioral Intention, Actual Usage, Internet Bankin