August 13, 2025

DEVELOPMENT OF TECHNOLOGY ACCEPTANCE MODEL (TAM) IN ANALYZING USER DECISIONS OF MOBILE BANKING SERVICES Wondr by BNI

Key Points

Perceived ease of use significantly impacts intention to use the mobile banking app, alongside perceived security influence.
Data analysis revealed that perceived ease of use also positively affects perceived usefulness of the application.
The study employed a quantitative method using primary data from 150 respondents to assess mobile banking acceptance.
Findings indicate that while intention to use affects actual use, perceived usefulness did not significantly influence user decisions.

Abstract

This study aims to analyze the level of acceptance of the Wondr by BNI Mobile Banking application in Indonesia by utilizing the Technology Acceptance Model framework. This model is used to assess the extent to which Perceived Ease of Use and Perceived Usefulness influence user decisions. As an extension of the model, the Perceived Security variable was also added to enrich the analysis of the factors influencing the decision to use the Wondr by BNI application. This research uses a quantitative approach with primary data as the main source. The sampling technique was carried out purposively on 150 respondents. The data was analyzed using the Partial Least Squares method, which is part of the Structural Equation Modeling approach. The results of the study show that Perceived Ease of Use and Perceived Security have an influence on Intention to Use, while Perceived Ease of Use also has an impact on Perceived Usefulness. In addition, Intention to Use has been shown to have an effect on Actual Use. However, Perceived Usefulness was not found to have a significant effect on Intention to Use.

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