Gilman Pary


The purpose of this research is to test the effect of consumers value and system quality toward trust in order to increase frequency of the use of internet banking. The sample in this research are 180 BCA consumer as respondent. The technique used in this research was purposive sampling. Certain characteristics means only for consumer whose at least  one  product  connected  with  electronic  banking  facility  and  using  electronic banking  facility  in  financial  and  non  financial  transaction  for  above  6  months. Structural Equation Modelling (SEM) run by AMOS software, used to analyze the data. The analysis result shows that consumer value and system quality effected on trust in order to increase the use of internet banking. This empirical result indicates that  consumers  value  have  significant  effect  toward  trust,  system  quality  have significant toward trust, and trust have significant toward the use of internet banking.



consumers value, system quality, trust, use of internet banking frequency


Basu Swastha Dharmmesta, 1998. Teknologi Informasi dalam Pemasaran : Implikasi dalam Pendidikan Pemasaran, Jurnal Ekonomi dan Bisnis Indonesia, Vol. 13, No. 3, 116 – 125

Butler, J.K.Jr., 1991. Toward Understanding and Measuring Condition of Trust : Evaluation of Conditions of Trust Inventory, Journal of Management, Vol. 17, No.3, 643-663.

Chow, Simeon and Holden, Reed., 1997. Toward an Understanding of Loyalty : The Moderating Role Of Trust, Journal of Managerial Issues, Vol. IX No.3, 275-298

Cooper, D.R. and Emory, C.W., 1995. Metode Penelitian Bisnis, Jilid 1, Edisi kelima, Penerbit Erlangga.

Earl Naumann, 1995. Creating Customer Value,Journal of Management

Ellitan, Lena, 2002. Factor Influencing The Success of Technology Adoption

Emory, CW and Cooper, D,R., 1999. Business Research Methods, Irwin, Homewood.

Fauziah, 1998. Peranan Teknologi Informasi dalam Bisnis Reengineering”, Siasat Bisnis, Vol I, 1998

Ferdinand, Augusty Tae, 2006. Structural Equation Modelling Dalam Penelitian Manajemen, Badan Penerbit Universitas Diponegoro Semarang.

Fuad Mas’ud, 2004. Survai Diagnosis Organisasional (Konsep dan Aplikasi), Badan Penerbit Universitas Diponegoro

Gatignon H. and Xuereb J.M., 1997. Strategic Orientation of The Firm and New Product performance, Journal of Marketing Research, 34(1), 77-90

Husein Umar, 1999. Riset Manajemen Strategik, Jakarta, PT. Gramedia Pustaka Utama.

Kanter, R.M., 1993, Men and Women of The Corporation, Basic Books, New York. Lee, M.K.O. and Turban, E., 2001. A Trust Model for Consumer Internet Shopping (online). September 9, 2005.

Liu, Yi Ruo, dan Kurnia Sherah, 2009. Electronic commerce within the Chinesse banking industry, Journal of Strategic Management

Luo, J.T, Peter McGoldrick, Susan Beatty, and Kathleen A Keeling, 2006. On Screen Characters: their design and influence on consumer trust, Journal of Strategic Marketing

Morgan, Robert M., and Shelby D. Hunt, 1994, The Commitment- Trust Theory of Relationship Marketing, Journal of Marketing, Vol. 58, July, 20-38.

Mishra, J., Morrisey, M.A., 1990. Trust in Employee/ Employer relationship : A Survey of West Michigan Managers, Public Personal Management, Vol. 19, 443-461

Mukherjee, A. and Nath, P., 2003. A Model of Trust in Online Relationship Banking, The International Journal of Bank Marketing Branford, 21 (1), 5. March 10

Pontus, Johnson, Robert Lagestrom, Per Narman, dan Marten Simmonson, 2008. System quality analysis with extended influence diagrams, Royal Institute of Management Strategic, 2008

Tampubolon, Nelson, 2004. Penerapan Manajemen Risiko pada Aktivitas Pelayanan Jasa Bank Melalui Internet (Internet Banking) (online)”, August 24, 2005.

Wahyuni, Sari., Ghauri, Pervez N. and Postma, Theo J.B.M., 2003. An Investigation Into Factors Influencing International Strategic Alliance Process, Gadjah Mada International Journal of Business, Vol. 5, No. 3, 273-299



  • There are currently no refbacks.

Jurnal Minds: Manajemen Ide dan Inspirasi indexed by


In Collaboration with:


Jurnal Minds: Manajemen Ide dan Inspirasi

ISSN Print: 2442-4951 ISSN Online: 2597-6990

Jl. H. M. Yasin Limpo No. 36 Samata, Gowa, Sulawesi Selatan