Pengaruh Kegunaan, Kemudahan, dan Risiko Yang Dirasakan Terhadap Minat Menggunakan Mobile Banking yang di Mediasi Oleh Sikap Pada Bank Cimb Niaga di Surabaya

Mobile banking or M-banking is a srvice provided by the bank to facilitate customers to make transactions without having to go to the ATM or to the Bank. This study aims to analyze the effect of perceived usefulness, perceived ease of use, perceived risk, Intention to use M-Banking mediated by Attitude At Bank CIMB Niaga in Surabaya. The samples used in this research are Bank CIMB Niaga customers in Surabaya city. The samples used by this study as many as 110 respondents who distributed directly by using purposive sampling technique. Analysis of this research data using smartPLS program (Partical least Square) version 2.0. The results of this study indicate that the variable of perceived usefulness has a significant positive effect on attitude, perceived ease of use positively significant to attitude, perceived risk positively unsignificant to attitude, and attitude positively significant to Intention to use M-banking CIMB Niaga in Surabaya. Based on the results of data analysis collected in this study it can be concluded that the perceived usefulness has a significant positive effect on the Intention to use with the mediation of customer attitudes CIMB Niaga bank in Surabaya, perceived ease of use positively significant to the Intention to use with the mediation of customer attitudes CIMB Niaga bank in Surabaya, Perceived Risk has no significant effect on Intention to use with CIMB Niaga bank customer attitude mediation in Surabaya Keywords: Perceived Usefulness, Perceived Ease Of Use, Perceived Risk, Attitude, intention to us