Effect of Mobile Banking and Online Shopping on Consumer Behavior

The development of information technology is used in various sectors including the banking sector and shopping media. This study aims to determine the effect of mobile banking and online shopping on consumer behavior of students of the economics faculty of Universitas Negeri Surabaya. The number of research samples is 102 students who have used mobile banking and online shopping services. This study is a type of explanatory research that use a quantitative approach. The hypothesis test used is multiple linear regression and F-test. Based on the results of the regression test, it can be concluded that mobile banking has a significant positive effect on consumer behavior and online shopping also has a significant positive effect on consumer behavior. From the results of the F-test, it can be concluded that mobile banking and online shopping have a joint effect on consumer behavior by 47.6%, while the remaining 52.4% is influenced by other variables.

___

  • Adityo, B. (2011). Analysis of the effect of trust, ease and quality of information on purchase decisions online on the kaskus site. Ayu, I. & Upadianti,A. (2018). The role of trust mediates risk perception of intention to use mandiri mobile banking in denpasar city. E-Jurnal Manajemen Unud, 7(5): 2621–51. Consultant, Duwi. (2011). Analysis of multiple linear regression.accessed November 20, 2018 from http://duwiconsultant.blogspot.com/2011/11/regresi-berganda.html Saputrı ,D.Y., Rurukayah , Indrıayu,M. (2018). Need assessment of interactive multimedia based on game in elementary school: A challenge into learning in 21st century. International Journal of Educational Research Review, 3(3), 1-8 Edwar,M., Diansari,R.A.A. & Winawati,N.F. (2018).The factors that affecting the product purchasing decision through online shopping by students of Surabaya state university. International Journal of Educational Research Review, 3(4), 54-64. Fatimah, Nur and Susanti. (2018). the effect of financial accounting learning, financial literacy, and financial income of students of the faculty of economics, University of Muhammadiyah Gresik. Accounting Education Journal, 6(1), 48-57. Fita, S. (2018). Fintech's penetration to financing: Threats or opportunities for banking? Accessed November 20, 2018 from https://katadata.co.id/telaah/2018/11/19/penetrasi-fintech-ke-pembanaan-ancaman-atau-peluang - for banks MoshrefJavadi,H.M., Dolatabadi,H.R., Nourbakhsh,M. & Poursaeedi,A. (2012). Analysis of factors affecting on online shopping behavior of consumers. International Journal of Marketing Studies, 4 (5), 81-98. Jayasuriya, Nisha Anupama & SM Ferdous Azam. (2017). The impact of social media marketing on brand equity: A study of fashion -wear retail in Sri Lanka. International Review of Management andMarketing, 7 (5): 178–83. Khomalasari, Devi Ida.Influence of Benefit Perception, Perception of Ease of Use on the Use of Mobile Banking Services Through Attitude as Interviening. Krishanan, D., Khin,A.A., Low,K., Teng,L. & Chinna,K. (2016). Consumers' perceived interactivity and intention to use mobile banking in structural equation modeling. International Review of Management and Marketing, 6 (4): 883–90. Lin, H-M. (2011). Taiwanese consumers' internet decision-making styles: The role of perceptions of the Internet. International Review of Management and Marketing,1(4): 86–92. Matic, Matea and Katija Vojvodic. (2014). "Customer-Perceived Insecurity of Online Shopping Environment." International Review of Management and Marketing, 4 (1): 59–65. Raharjo, S.(2018). Perform Statistical Data with SPSS". Accessed November 20, 2018 from https://www.spssindonesia.com Rayana, U. (2018). Comparing operator customers before and after prepaid re-registration. Accessed November 20, 2018 from https://selular.id/2018/03/ Sidharta, I. & Suzanto,B. (2015). The Influence of Satisfaction of Online Shopping Transactions and Consumer Trust in Consumer Attitudes and Behavior in E-Commerce. 9 (1): 23–36. Susanti, A. (2015). Effect of Usage Perception, Perception of Ease, Perception of Risk and Perception of Trust in Interest in Using Mobile Banking. Teguh, C. (2012). Factors affecting buying interest in guess online shop specialists. Management And Business Research Journal, 7(2), 147–60. Wulandari, Putri,N., Novandriani,N. & Moeliono,K. (2017). Business administration, and Telkom University: Analysis of the factors of using mobile banking services in Bandung. 139–49.