This research examines what factors affecting the level of use a bank's mobile phone account. This study observed the use of Bank CIMB Niaga Indonesia mobile phone account holders

1. Factors affecting
the level of use of
a bank's mobile
phone account
Siti Rochmah Ika, Dwi Septi Rahmawati, Sahadi, Ari Kuncara Widagdo
Faculty of Economics and Business Janabadra University
Faculty of Economics and Business Sebelas Maret University

2. Introduction
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● As the competition in the banking industry is getting higher, the use
of digital technology is needed as a competitive advantage for a
bank.
● banking products confronted on the same issue, namely speed
service, convenience, practicality, and efficiency.
● One of the digital banking products is cellphone account
or mobile phone account launched by CIMB Niaga bank.

3. Mobile Phone Accont is..
● an account that uses a cellphone number as an identity (id)
in making financial transactions.
● The role of a mobile phone account is similar to the use of
an e-money card.
● It can be filled with a number of balances and used
for transactions.
● aimed at supporting Bank Indonesia's in reducing the
amount of physical money circulating in the community.
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4. “The objective of this study is to
examine the determinant factors
of the level of use of mobile bank
account.
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5. The determinant factors are
● Perceived ease of use
● Perceived Usefulness
● Perceived of risk
● Perceived of
Trustworthy
● Perceived Satisfaction
● Under the
Technology
Acceptance Model
(TAM) by Davis
(1986) 
Venkantesh (2002)
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6. Research Method
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1 2 3

7. Results
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● D3 21.4%
● SMA 17.1%
● Education level S1
58 %
● The rest 30% is at age 25-35
● Age of 18-25 years
70%
● Others 32.9%
● Private sector employee
62.9%
● The rest 38.6% is male
● Female respondents
61.4%

8. Results –descriptive statistics -
example
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Perceived ease of use
• Highest mean score is 3.9 at the item using phone cell account is
very easy
• The least mean score is 3.53 at the item register for mobile phone
account is convenient no need to go to bank
Level of use
• Mean score is 3.61 at the item I use the product frequently
• Mean score is 3.54 at the item I would recommend this product to
other

9. Results –Multivariate Regression
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10. Results and Discussion
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Perceived ease of use, usefulness, risk, trustworthy, and satisfaction
positively affect intensity to use mobile phone account
• Risk variable although significant, the direction is contrary to the
expectations.
• The plausible explanation is relate to questions in the
questionnaires which stated that I am not afraid with the risk of
losing data/money.

11. Results
Variables in TAM
provides strong
evidence of the factors
influencing the intensity
to use of mobile phone
bank account
Conclusion
Limitations
Relatively small number of
respondents due to limited
data access of bank
customer (confidential)
Therefore, probably the
results may not be
generalized to the same
bank in other city
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12. Terima kasih
Thank you
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