ISBN 978·602·7577·63·3~

held in UMY, Indonesia~ on March 10, 20] 6

De artment of Man "entFACULTY OF ECONOMICS

Universitas Muhaffilnadiyah Yogyal<arta

In Collaboration WitliUniversiti Sains Is]alTI, Malaysia

Tamkang University, TaiwanKhon Kaen University, Thailand

The 2016 International Conference of Mana<Jement Sciences (lCoMS 2016)Thursday, March 10,2016

Universitas Muhammadiyah Yogyakarta. Indonesia

Chair Person

Dr. Arni Surwanti

Reviewers

J. Prof. Shu-Hsien Liao (Tamkang University. Taiwan) /2. Prof Dr. Zainal Abidin bin Mohamed (USIM, Malaysia)3. Prof.Dr.Heru Kurnianto Tjahjono (Universitas Muhammadiyah Yogyakarta) if

4. Assoc. Prof. Dr. Kalsom Abdul Wahab (USIM, Malaysia)5. Dr. Arni Surwanti (Universitas Muhammadiyah Yogyakarta)

6. Assistant Prof. Dr. Thanet Wananakul (Khon Kaen University. Thailand) Y

7. Dr. Nattanin Ueasin (Khon Kaen University. Thailand)8. Dr. Indah Fatmawati (Universitas Muhammadiyah Yogyakarta)9. Dr. Masyhudi Muqorobbin (Universitas Muhammadiyah YogyakaJta)

10. Dr. Retno Widowati P.A. (Universitas Muhammadiyah Yogyakarta)

Moderators:

Room A : Dr. Ami Surwanti, M.SiRoom B : Dr. Indah Fatmawati, M.SiRoom C : Dr. Retno Widowati P.A.

Room 0 : Dr. Siti Dyah Handayani/lka Nurul Qamari,S.E..M.Si.Room E : Prof. Or.Heru Kurnianto Tj./fauziyah. S.E., M.Si.

Web Operator AssistantLyna Audiena Wijayanti

Administration Assistant(s)Siti Arafat lalilCynthia Oewi

Designer(s)Khudori ThoriqOinda Aditya

The 2016 International Conference of Management Sl'ienl"\'s (ICoMS 2016). March 10, liMY, Indonesia

ORGANIZING COMMITTEE OF ICOMS 2016

Position NameAdvisor Retno Widowati PA., Ph.D

Chairperson Dr. Arni Surwanti,., M.Si.

Main Secretariat Fajarwati., SE., M.Si

Alien Akmalia SE., M.Sc.

Proceedings and Journal Lela Hindasah., SE., M.Si

[ka NuruJ Qamari., SE., M.Si

Reviewer Prof. Dr. Zainal Abidin Mohamed

Prof. Dr. Shu Hsien Liao

Prof. Dr. Thanet Wattanakul

Retno Widowati PA .. Ph.DDr. Indah Fatmawati., SE., M.Si

Prof. Dr. Heru Kurnianto., SE., M.Si

Dr. Ami Surwanti,., M.Si.

Treasurer Rita Kusumawati., SE., M.Si,

Fauziyah SE., M.Si

Chair Session Retno Widowati PA., Ph.DDr Indah Fatmawati., SE., M.Si

Prof Dr Heru Kumianto., SE., M.Si

Dr. Ami Surwanti,., M.Si.

Ika Nurul Qamari., SE., M.Si ,

Sponsorship Miftah. SE., MBA.

Taufik., SE., MBA.

Conference Agenda Munjiati Munawaroh

Dr Indah Fatmawati., SE.. M.Si

Ika Nurul Qamari., SE., M.Si

Rini Juni Astuti SE., M.Si

Iskandar Bukhori, SE., M.Si

Imam Bintoro., SE., M. Fin, Dev.

Gita Danupranata., SE., M.Si

Susanto., SE., M.Si

St. Noordjannah J,. SE., M.Si

Asnawi, SE., M.Si

The 2016 International Conference of Management Sciences (ICoMS 2016), March 10, liMY, Indonesia iv

Position NameLogistic Hasnah Rimiyati., SE., M.Si

Tri Maryati SE., M.Si

Isthofaina SE., M.Si,

Publicity St Dyah Handayani., SE., M.Si,

Misbahul Anwar., SE., M.Si

Transportation Winarso, SE., M.Si

Edi Supriyono., SE, MM

Sutrisno Wibowo., SE., M.Si

Miftah, SE., MM

Taufik., SE., MM

Muji Mulyanto

Logistic Hasnah Rimiyati., SE., M.Si

Tri Maryati, SE., M.Si

Isthofaina, SE., M.Si,

Publicity St Dyah Handayani.,SE., M.Si,

Misbahul Anwar., SE., M.Si

The 2016 International Conference of Management Sciences (ICoMS 2016), March 10, UMY, Indonesia v

T ABLE OF CONTENTS

The 2016 International Conference of Management Sciences (lCoMS 2016)

Thursday, March 10 2016

Universitas Muhammadiyah Yogyakarta, Indonesia

No Article PageReviewers & moderators I

Opening Remark 11

Opening Remark ...III

Organizing Committee IV

Table of Contents VI

Room A (FA)Moderator: I

Dr. Arni Sunvanti, M.SiPaper ID FA. 003 : Financial Literacy: Business Process

I Orientation Up To Business Growth Metalcrafters 2Lilia Pasca Riani

Paper ID FA. 007: Effect of e-Money to Economic Performance2 (A Comparative Study of Selected Countries) 9

Thomas SosecoPaper ID FA. 013: The Influences of Good Corporate GovernanceMechanism to the Financial Performance of Manufacturing Industry

3 in Indonesian Stock Exchange 13Febriani Sisca Priyandita, Kartika Hendra Titisari,

& Siti NurlaelaPaper ID FA. 016 : The Influence Of Individual Factors In

Determining4 Endower"s Intention To Endow Cash Waqf 23

Syadiyah Abdul Shukor,Intan Fatimah Anwar,Hisham Sabri, &Sumaiyah Abd Aziz

Paper ID FA. 020: The Influence of Capital, Number of Working

5Hours, TheWorks Force and Time to Running Business Against 27

Operating Income Angkringan in YogyakartaUtik Bidayati & Salamatun Asakdiyah

Paper ID FA 025 : The Impact of Financing of Syariah Bank6 toward the Performance and Welfare of Small Medium Enterprise 34

FaisolPaper ID FA 027 : The Role of Management Control Systems in

7Reducing Waste and Its Implication to Financial Performance 42

(Survey on Flexible Packaging Industry in IndonesiaMahmud Gardin, Siti Hamidah Rustiana

8Paper ID HR.035 : The Analysis of Protection and Fulfillment The 53

Rights of Persons With Disabilities

The 2016 International Conference of Management Sciences (lCoMS 2016), March 10, lJMY, Indonesia vi

in Gunungkidul District of Yogyakarta ProvinceAmi Surwanti

Room B (M)Moderator: 65

Dr. Indah Fatmawati, M.Si.Paper ID 10. 012: Operational Excellence in A Coal Mining

9 Company During Crisis Study on PT. ABC Resources Tbk. 66Venkatasamv Sureshbabu & Dr. Aries Firman

Paper ID FA. 004: Analysis of Public Transport Rates Based on

10Vehicle Operational Costs and The Consumer Willingnes to Pay

76(WTP)

Ratna Purwaningsih & Handv NugrohoPaper ID M. 019: The Effect Of The Service Enviroment On

11 Customer's Behavior Tn Leisure Setting 82Danes Java Neoara

Paper ID M.021: The Determinants and Consequences of e-Retail12 Service Quality Based on Customer Voice 90

Fitroh AdhillaPaper ill HR. 028: Booming of Digital Era: The Rise of Women

13 Labor's Power 97Ika Suhartini Darmo

Paper ID HR.036 :The Role Of Women Tn Developing SmallMedium Enterprises Tn Bantul Yogyakarta

14 (Study On Revolving Fund UPK Spp 106In The Sub District Kasihan Bantu1, Yogyakarta)

Munjiati MunawarohPaper ID FA. 038: The Effect of Structure Ownership, Dividend

15 Policy, Finn Size, Firm Growth and Profitability to Debt Policy 114Lyna Audiena Wijavanti , Rita Kusumawati & Alif Suprivatno

Room C (M)Moderator: 123

Dr. Retno Widowati P.A.Paper ID M.OO 1: The Marketing Strategy And Selling To Develop

16 Aceh's Gemstone 124Febyolla Presilawati, Agus Ariyanto, Marlizar

Paper ID FA. 015 : A study on Students' Perception Toward

i 17 Intemet Banking using Smartphone 131i Dwi Wulandari & Bal!us Shandy Narmaditva

Paper ID HR. 017: Towards Increasing Graduate Employability

18through a Holistic Entrepreneurship Ecosystem: A Case Study at

134USIM

Dr. Ummi Salwa bt Ahmad BustamamPaper ID M. 024: Building Word of Communication through

19Customer Trust and Commitment in Supermarket

140Dra. Salamatun Asakdiyah, M.Si.

The 2016 International Conference of Management Sciences (ICoMS 2016), March 10, lJMY, Indonesia vii

Paper ID FA. 006: Design of Non Academical Perfonnance

20 Measurement Index in ITS Support Units146Naning Aranti Wessiani, Ahmad Rusdiansyah,

Atikah Al!.hdhi Pratiwi, & Maulin Masyito P.Paper ID FA. 032: Capitalism and The Change in The Pattern of

21 Community Economy: Case Study Kud Kan Village Moo 5 Thun150Chumpoo Sub-District, Phu Vieng District, Khon Kaen Province

Asst. Prof. Dr. Bodee PutsvainuntPaper ID M. 037: IT-Based Intervention Model to Increase SMEs

22 Marketing Perfonnance:157Case Study Of Small Industry In Bantul Yogyakarta, Indonesia

Retno Widowati, Misbahul Anwar, Winarso

Room D (01)Moderator: 164

Dr. Siti Dvah Handayani / Ika Nurul Qamari,S.E.,M.Si.Paper ID 10. 005: Fishery Supporting Industry Planning for

23 Karimunjawa Islands Jepara Sea Farming 165Ratna Purwaninl!.sih

Paper ID FA. 008: Defect Analysis on Smootmill Area Using

24Priority-Cost Failure Mode, Effect, and Criticality Analysis (PC-

171FMECA) Method. (Case Study at PT Ebako Nusantara)

Arfan Bakhtiar, Ranintia Pramesti, & Bambang PurwanggonoPaper ID 10. 010: Analysis of Campus Sustainability UsingGraphical Assesment of Sustainability in University (GASU)

25Method (A Case Study in Industrial Engineering Department,

176Diponegoro University)

Novie Susanto, Benraen Pirogo, Zodieka Loventa Z.,Nuriana Sil!.iro, & Winona Zevvlin

Paper ID M. 014: The Influence of Quality Management System

26ISO 900 I : 2008 Application on Employee Perfonnance (A Case

182Study on PT. Apac Inti Corpora)

Nia Budi Puspitasari, Diana Puspitasari, Amalia Rizka KumariniPaper ID HR. 023 : The Influence of Extrinsic Motivation and

27Work Environment on Performance of Employees in PT. Alas

188Petala MakmurAl!.uS Frianto

Paper ID 10.026 : Supply Chain Analysis of Disposable Medical28 Devices 193

Hery Suliantoro, Intan Novita D., Naniek Utami HandavaniPaper ID FA. 030 : Critical Analysis Method ABC Index in

29Medicine Provision of Public Health Insurance in "X" Hospital in

199Yogyakarta

Helena Pujawati, T. Handoko Eko Prabowo, & Rita Suhadi

The 2016 International Conference of Management Sciences (ICoMS 2016), March 10, llMY, Indonesia VIII

Room E (HR)Moderator: 205

Prof. Dr. Heru Kurnianto Tj. / Fauziyah, S.E., M.Si.Paper ID HR.002: The Role of Environmental Management

30 System toward Employees Performance 206I Gusti Putu Diva A., Sri Rahayu B., Heriyanta Budi U.

Paper ID HR. 009: Related Work Environment and Working

31Motivation Performance by Teachers in Public Senior High School in

212City Gorontalo Indonesia

Abdul Rahmat M.Pd., Syaiful KadirPaper ID HR. 011: Developing A Human-Centered Design of

32 Disaster Management 220Novie Susanto, Thomas Triadi Putranto

Paper ID HR. 018: Analysis of Community Empowerment

33Implementation through Training, Mentoring and Development of

226Batik in Kanci Village and Kanci Kulon Village Cirebon RegencyAgi Svarif Hidavat

Paper ID HR. 022 : Religiusity Dimension and The Effect on

34Organizational Citizenship Behaviour Islamic Perspective in Al- 236

Huda KebumenSiti Nur Azizah I

Paper ID HR. 029: The Influence of Psychological Contract and

35Distributive Justice towards Employee Engagement which Affects 243

Work EffectivenessDorethy Alberta & Lukas Purwoto

Paper ID HR. 031: The Influence of Spiritual Leadership on36 Learning Organization and Job Performance in Kanisius Ltd. 249

Satriyo Sinubyo & Lukas PurwotoPaper ID FA. 039: Determinant Of Corporate Governance And

37 Firm Value 255Alien Akmalia, Lela Hindasah

The 2016 International Conference of Management Sciences (ICoMS 2016), March 10, UMY, Indonesia ix

A STUDY ON STUDENTS' PERCEPTION TOWARD INTERNET BA KI GUSING SMARTPHO E

r. Dwi Wulandari ' Bagus Shandy Narmaditya Z

I Department of Development Economics. Universitas Negeri MaJang, 65145, Indonesia(wulan50 l@yahoo.com)

2 Department of Development Economics, Universitas Negeri Malang, 65145, Indonesia(bagusshandy@g.rnail.com)

ABSTRACT

Internet banking requires acceptance of the technology. The development of smartphone in Indonesia is quite fast. Thisresearch is focused on what are the student's perception or intc!lJet banking using smartphone. This research uscdQualitative Method and the sample selected were students using smartphone and internet banking. Most of the studentsaccess their internet banking through their smartphones.Students used this feature because of the case of use of thisfeature, trust to a banking product., affordable pri.:.: (WSI) and faSI response (time). Tht: usc of internet banking is stillrelatively low because the lack of understancling of the students. so the b,mks should give soei,t1iLatilln III students tIlincrease their interest of using internet hanking through smaratrhone~

Keywords: internet banking. smanphones. case or usc. trust. cost. time

1. INTRODUCTION

Developments in technology and communicalionsmoves quickly around the world. One of thcm is theInternet-based technologics. \ Ise of the Inter!1Ct can beused in various tields such as education, government.business. social. cultural, and banking. Internet usage inIndonesia Each year continues to incrcase.. where in2015 the number of users as much as 78,000,000 of th..:255.993.674 total population (internetworldslalS.eom).In terms of financial services. development oftechnology has been an integral part of the developmentof the banking industry to improve the quality 01'scrvices so that it becomes faster, nice and efficient.Electronic banking or e-banking services facilitated byinformation and communication technology(Pikkarainen et al. 2(04). Transformed into internetb"anking growth in many countries. since the IKW

millennium with man) advantag..:s su.:h <IS lo\\uoperating costs, improved consumer banking servic..:s.customcr retention and customer share expansion th..:)can offer internel banking services (Sharman. & Kirst)".2006)

The existence of internet banking is assistscustomers in conducting banking transactions. amongothers, Banking transaction can be donc anywherc andanytime, as well as media for payment and control 01customers' banking transactions. Internet banking is theuse 01' internet technology as a medium lor transactionsrdated to banking transactions. However, if translatedaccording to the products included in c-banking., thenumber of internet banking users are still not as much asother e-banking products, especially Automate,1 TellerMachine (ATM).

ICoMS

MARS survcy conducted (in five citics Jakarta,Bandung. Semarang. Surabaya. M..:dan) and surveyeo171 () eUSlomers rcvelacd lhal 34.7°j" customers awan:of internet banking. It is not to be blamed, the usc ofInternet banking. is possible but not tasy for consumers.Consumer usc of Ihe intcrnet banking rcquircs thea..:eqllan.:e of the ttcl1nology. which can be trickybecause it involves changes in behavior patterns(1\1cuter et '11 .. 2(00). To usc the imern..:t finilneialservices. consumers not only neeo to unoerstano theteel1nology. but they also need to understand financialservices. The complex nature of tinaneiClI services ortenmake linding information easier task than thc evaluationof information (Black ct aI., 20(2).

Internet bClnking users must consider several factorsin llsing these services. To know that. thcre is a picturethat explains 110\\ the service is received and used.According Monirisc (2012) rhe increased usc of smarrphuliL's will lead to in..:r..:ased adoptilln of Ill-Banking bymost or lhe customers in the next rew years. Thcrdore Ibeli..:v..: lhat tertiary stuoents arc generally potentialprospe..:tive users of m-banking services. rhe majorityof online banking users arc relatively young and have anunoerstanding of the USt of computers and the Internetbecause the users of m-banking arc mostly customers\\'ho have businesses so the rcserach that foclIscd onstudtnts who lIsed m-banking are nOI much But thisresearch is slill needcd bccause there arc also man\'sllldents who used internet banking. This stud> is ,1continued of research wherc researchers wantcd touncover more about the perceptions of students aboLitthe use of internet banking using a smanphone and thestudy was conducted at the Faculty of Economics at theState University of MaJang.

The 2016 International Conference of Management Sciences (lCoMS 2016), March 10. UMY, Indonesia 131

2. THEORITICAL FRAMEWORK

At:cording to Monitise (2012) an increase in the useof smart phones will lead to an increase in the adoptionof m-banking by most customers in the next few years.Therefore we believe that tertiary students in general arepotential prospeeti ve users of m-banking servit:es.Monitise (2012) identities the primary users ofm-banking are aged between 25 and 34 years old, whogenerally place great value on the efficient use of time.Their experience in using a number of mobilcapplit:ations gives them confidence regarding theset:urity issues of m-banking.

Clark (2012) found that there are three keyingredients that are likely to accelerate the success ofm-banking in Africa. Firstly, there is a wide uptake ofcdl phones by all categories of the society. Secondly,there is an incredible amount of people without bankaccounts and many people that do have accounts do notuse them for various reasons. and lastly. a largepopulation in Al'rica live in rural communities wherethere is limited or no banking infrastrut:ture.

The issues with internet banking art: mostlyconnected to their attitudes, perceptions, and strategies;from the consumer perspective the issues are morerelated to demographics, motivations, attitudes, andsatisfaction (Akinci et al., 20(4). Davis (1989) andmany other researchers (Venkatesh and Davis, 2000;Gerrard and Cunningham, 20(3) have realized thatperceived usefulness has a strong influence over thecustomer's usage of an application. Existing studies orinternet banking focus mainly on three categories. Firsla number of researchers have looked at customers'perceptions of the service delivery quality of internetbanking.

Prior studies suggest that the adoption rate ofinternet banking is still low due to a number of factors:customers' perceptions of risk, their specific needs, lackof knowledge about internet banking, inertia,accessibility of technology, pricing, and IT fatigue(Gerrard et al., 2006). Others have examined t:onsumerusage of and attitudes toward internet banking (Laforetand Li. 2(05) The speed of internet banking (Poon.2(08).. customer satisfaction during the previousinteraction with internet banking serviee:s (Casal6 el al.2DO~. Additionally, trust and perceived uscrulness art:also important factors in the acceptance of internetbanking (Liao and Cheung, 200.2)

3. METHODS

This study used qualitative research methods forin-depth Students' Perception toward smartphone usinginternet banking. Samples of this re:se:arch we:re therespondents who have banking products and takeadvantage of the smartphone. Respondents speciallyused internet banking for purchase in online shop. paypulses etc. We categorize the most significant servicesused and how often the list we made, in addition toidentify the respondents about their perception of the

use oC internet banking. For respondents who do nol useInternet banking. also provided a list of barriers to themand ask thc:m to discuss the: reasons for not usinginternet banking with the aim 01' providing acomprehensive understanding of the perception of theuse of internet banking.

4. RESULT AND DISCUSSION

To delermine .the perception of the use or internclbanking we devided respondents who usc and do notusc: internet banking using a smartphonc:. The rt:sultsshowed that almost half or the students used internetbanking. Out or the 57 respondents there are 42respondents who used internet banking. Pikkarainen etal. (2004) and Guiltinand and Donnelly (1983) whichconfirmed that the adoption of Internet banking isdetermined by the level of aware:ness that customershave about internet banking and the benefits likely. Oflhe re:spondenls who use: interne:t banking, transat:lionsarc: most ot"tt:n ust:u is to look at lht: balanet:. buycre:dilS. shopping online: and most use to transfer money.There are several reasons or the respondents dotransat:tions because of the ease, spe:ed in transactions,trust and lower costs.

The question we: asked relate:d to the: ease oftransaction, some respondents claim to feel comfortableusing internet banking is supported by increasinglysophistit:atc:d smartphones make transactions e:asy andcan be done anytime In addition to their Internetbanking transactions t:an be done effet:tively andefficiently. This concurs with Davis (1989) and manyother researchers (Venkatesh and Davis~2.oOJ): Gcrrarand Cunningham, 2003) have: realized tbat theperception of the benefitS of having a strong intluenceon t:ustomer usage. Psychologically someone willcompare how many conveniences are compared to thebenefits received.

Other results showed that the desire of respondentsusc internet banking is cost. For example use lor thepurposes of purchase credits or pay for clcctrit:ity can beobtained easily and cheap prices. Surely this makes thet:ost prit:e pt:rct:ption is the reason someone uses intt:rnetbanking. Low lransaclion kes: Anothc:r factor lhalwould stand in the: way of consumer adoption ofInternet banking is the: cost factor. In Internet banking,two types of costs are Involved. First. the normal costsassociated with Internet access fees and connectioncharges and secondly the bank fees and charges(Suganthi Cl. AI, 200 I).

The intervie:w we asked for 'respondents who do nOIuse Internet banking. showed that partit:ipants are mostinterested in dire:ct transat:tions meet the seller and ifthc:transaction using online transaction respondents preferto deal through a bank teller or by using ATM. Inaddition, rc:spondents who do not use Internet bunkingadmitted their fear of transactions whether usinginternet banking transfer or transaction can be sent ornot is often constrained by the disruption of the Internet

The 2016 International Conference of Management Sciences (ICoMS 2016), March 10. UMY, Indonesia 132

network. Of course, this makes the customer ortenencountered failure of the transaction that rcsulted indisappointment. This makes some of the respondentswere reluctant to use internet banking

5. CONCLUSION

Based on the results of research and discussion andanalysis, there are several factors that influene<:: aperson's perception of using internet banking. Where aperson's level of understanding in the use of internetbanking is the most important thing possessed.Furthermore, the perception of ease remains the secondimportant reason someone in internet bankingtransactions. in addition to the perception of benefitsand low cost is the reason someone uses internetbanking. The lack of education and information makessome respondents were reluctant to use internetbanking. Banks need to give more information to theircustomers so that their customers will like to useinternet banking. Because by using internet banking.there are many activities that can be done mon: quicklyand easy.

REFERENCES

(I] Akinci, S., Aksoy, Sand Atilgan, E. (2004)."Adoption of internet banking among sophisticatedconsumer segments in an advanced devc:lopingcountry", International Journal of Bank Markcting.Vol. 22 No.3, pp. 212-232. doi10.1108/02652320410630322

[2] Black, N.J., Locken, A., Ennew, c., Win.klhoti::r, I!.and McKechnie, S. (2002), "Modelling consumerchoice of distribution channels: an illustration fromfinancial services", International Journal of BunkMarketing, Vol. 20 No.4, pp. 161-73.

[3] Casal6, L. V, Flavian, C. and GuinaJiu, M. (2008),"The role of satisfaction and website usability indeveloping customer loyalty and positivcword-of-mouth in the e-banking services",International Journal

[4] Clark, V (2012). Africa sprints ahead with mobilebanking. Retrieved fr.omhtt12://www.bizcol11ll1unitv.com/Article/41 017 R17070I.html.

[5] Davis, FD. (1989), "Perceived usdulness, perceil-eUease of use, and user acceptanee or informationtechnology", MIS Quarterly, Vol. 13 No.3. pp.319-40.

[6] Gerrard, P. and Cunningham, J.B. (2003), "Thcdiffusion of internet banking among Singapore

consumers", International Journal of BankMarkcting. Vol. 21 No. I. pp. 16-28.

[71 Gerrard. P. Cunningham, .IB. and Devlin. .IF(2006). "Why consumcrs are not using internetbanking: a 4ualitative study". Journal of ScrvicesMarketing, Vol. 20 No.3, pp. 160-168

III I Laforet, S. and Li, X. (2005), "Consumers' attitudeslOlvards online and mobile banking in China".International Journal of Bank Marketing. Vol. 23 No.5, pp. 362-380. doi: 10.1108/02652320510629250.

[9] Liao, Z and Cheung, MT (2002). "Internet-basede-hanking and consumer anitudes:an empiricalsludy". Information & Management, Vol. 39 No 4.pp. 283-295. doi: 10.1016/s 037l!-7206(01)00097-0

llOJ Meutcr, M.L., Ostron. A.L. Roundtree, R.I. andBitner. M.J. (lOOO). "Self-servicetechnologies: understanding customer satisfactionwith technology-based service encounters", Journalof Marketing, Vol. 64 No.3, pp. 50-64.

[J IJ Monitise. (2012). Emerging Trends in MobileBanking. Retrieved from Future Foundation:hnD://www.monitise.com/upload/assets/doesirnom:y-on-the-move/chapter 4

r12] Poon. w-e (2008), "Users' adoption of e-bankingservices: the Malaysian pcrspective·'. Journal ofBlisincs~ & Industrial Marketing. Vol. 23 No. I. pp.5S1-69

[131 Sharman, L., & Kirsty, W. (2006). Understandingeonsumer adoption of Internet banking: Aninterpretive study in the Australian banking context.journal oj Electronic Commerce Research, 7(2),50-66

[ 14] Suganthi. Balachandher. and Balachandran. (200 I)Internet Banking Patronage: An EmpiricalInvestigation of Malaysia. Journal of InternetBanking

[15] Tero Pikkarainen. Kari Pikkaraincn, HeikkiKarjaluoto. Seppo Pahnila, (2004),"Consumeraceeptance of online banking: an extension of thetechnology acceptance model", Internet Research,Vol. 14 Iss 3 pp. 224-235hltp//dx.doi.org/1 0.11 08/ 1066224041 0542652

r161 Venkatesh, V and Davis, F.D. (2000), "Athcoretical extension of the technology acceptanccmodel: four longitudinal field studies". ManagementSeicncc, Vol. 46 No.2, pp. 186-204.

[17 j http//www.internetworldstats.com/asia.htm#id)r IR] II'wwmarsindonesia.eom/newsleller/34-nasabah-su

dah-me Iek-internet-banki ng

The 2016 International Conference of Management Sciences (ICoMS 2016), March 10, UMY, Indonesia 133

Department ,of ManagementFACtJLTY OF ECONOMICS

Universitas Muhammadiyah Y0gyakartaWebsite: wwwicoms.umyac.id I Email: icoms@umy.ac.id

lTni\'~rsiln~ !'vluhnIUll1uuiyah Yog~·llknrla . .Talml Lingkar Sdnlnn. Tamuntirto. Bantul, ·Yogyakartn .Indon~sin

Contncts. l'vls Dr..\nu Sunvllnti, 1,,1.S1. ( mobile: +628122712456) INIs F;!.jlll"Wa!;i.M.Si. (mobih.:: +62 81229712199)OfficI:: Telp: +6227 387656 t::lJ 8) IF..'l,{ +6227·4 387646

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AWARDED TO

Dwi Wulandari, Bagus Shandyn.

113S COlltributcd. ,isI

PRESENTERat

The 2016 International Coufe,rence of ~IanagelnentSciencesheld in LTNfY. Indonesia. on ivlarch 10. 2016. . .

lav' this certificate be valuable to those \vho 111aV COlleenl. ..'

Retno 'Vidowati PA~ Ph.DCbair Person