Factors Considered to Become a Branchless

Advances in technology have opened the business model of national banking so there is no need for banks to open new branch offices. Several banks began to examine the existence of existing or existing branch offices to be replaced by banking agents or Laku Pandai. Even banks have begun to think that branches need to be replaced with agents. This study aims to determine the factors that are considered to be agents of Branchless Banking. This research uses descriptive quantitative method. The population uses all Branchless Banking agents at XYZ bank, totaling 324 agents in the city of Makassar. The data source used primary data by distributing questionnaires to 76 respondents through purposive sampling technique with the following criteria: 1). Has been a branchless banking agent for at least 3 months, 2). Understand the concept of branchless banking agents. The data were analyzed using factor analysis, which previously tested the validity and reliability. The results showed that there are seven factors that become customers' considerations to become branchless banking agents. The factors are: 1. Personal factors with eigen values of 6,797, 2. Income factors with eigen values of 3,902, 3. Social factors with eigen values of 2,009, 4. Cultural factors with eigen values of 1,862, 5. Psychological factors with eigenvalues of 1.227, 6. Convenience factor with eigen values of 1.176, and 7. Employment Factor with eigen values of 1.025