Year: 2024 | Month: April | Volume: 11 | Issue: 4 | Pages: 286-301
DOI: https://doi.org/10.52403/ijrr.20240433
Analyzing the Success of M-Banking Implementation by Integrating the Diffusion of Innovation and Service Convenience Framework: Based on the Experience of Students at the University of North Sumatera
Sisi Maghfirah Rahmah Sembiring1, Erlina2, Fahmi Natigor Nasution3
1,2,3Department of Accounting, Faculty of Economic and Business, Universitas Sumatera Utara, Indonesia
Corresponding Author: Sisi Maghfirah Rahmah Sembiring
ABSTRACT
This study aimed to measure the impact of innovation diffusion and service convenience on the successful implementation of mobile banking among USU students. The research sample consisted of 408 respondents selected through accidental sampling. The study conducted descriptive statistical analysis tests and PLS-SEM analysis using Microsoft Excel and SmartPLS. All 10 hypotheses formulated were accepted, except for the third hypothesis which was rejected. The empirical evidence presented by the research findings demonstrates the significant influence of DOI and servcon. Benefit convenience emerges as the variable with the strongest influence, while post-benefit convenience has the weakest influence. These findings can provide valuable input for banks to achieve implementation success in m-banking. It also serves as preparation for banks to respond to disruptions in the digital reform era in the banking sector.
Keywords: diffusion of innovation, service convenience, implementation success, m-banking.
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