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Understanding Impact of M-banking on Individual Performance of the

DeLone & McLean Method and TTF Perpective
To cite this article: Qudsiah Nur Azizah et al 2020 J. Phys.: Conf. Ser. 1641 012009

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ICAISD 2020 IOP Publishing
Journal of Physics: Conference Series 1641 (2020) 012009 doi:10.1088/1742-6596/1641/1/012009

Understanding Impact of M-banking on Individual

Performance of the DeLone & McLean Method and
TTF Perpective
Qudsiah Nur Azizah1 ,Taopik Hidayat2 ,Dwiza Riana3 ,Tino
Dwiantoro4 ,Suhardoyo5 ,Saghifa Fitriana6
Program Studi Ilmu Komputer STMIK Nusa Mandiri1−6
E-mail: dwiza@nusamandiri.ac.id3

Abstract. Currently the public has a curiosity about e-commerce applications that are
growing rapidly, such as Mobile banking (m-banking). The development of m-banking can
be seen from user satisfaction, end-user interest and the success of everyone using m-banking.
This study adds the Task Technology Fit (TTF) model to the DeLone & McLean model for
the purpose of knowing the success of individuals using m-banking. We used 102 respondents
to answer all the questions in the questionnaire. The results show that of the 14 hypotheses
used there were 8 accepted hypotheses. This shows that in individual achievement, usage and
user satisfaction are not important. Users consider the importance of individual performance to
simplify the use of TTF. User satisfaction is influenced by system quality, information quality,
and service quality.

1. Introduction
Mobile banking (m-banking) is one of the maximum critical strategic adjustments in retail
banking withinside the previous couple of decades. It has fast advanced from simply on-line
banking through smartphones to a function withinside the center of patron relations, which
now features as a distinguishing function and generates destiny earnings for banks [7]. M-
banking lets in clients to perform a big range of banking transactions whenever from everywhere.
whenever and everywhere make an critical position withinside the performance and effectiveness
of appearing banking tasks, and their courting to man or woman performance.
M-banking makes use of transportable technology, which faces numerous barriers consisting of
small keyboards, display sizes, facts transmission, and numerous others [20]. The small quantity
of facts that may be accommodated on small gadgets performs an essential position in growing
m-banking applications [14]. Also, the popularity or rejection of m-banking offerings remains
in doubt. As m-banking maintains to warfare to locate sizeable patron adoption, m-banking
customers face numerous demanding situations consisting of accepting to behavior banking
transactions on small gadgets with summarized statistics. We agree with that understanding
how clients react with much less exact statistics can have an effect on their popularity of m-
banking offerings.
Delone and Mclean’s facts fulfillment version is a framework and a version for measuring
unbiased variables in facts structures research [3]. The essence of this version states facts era

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ICAISD 2020 IOP Publishing
Journal of Physics: Conference Series 1641 (2020) 012009 doi:10.1088/1742-6596/1641/1/012009

has a advantageous effect on character performance, while technologists ought to be capable of

advantage and ought to be according with the duties they support [9].
In this study, we took a reference paper from Elsevier magazine acquired from India.
Researchers take the m-banking evaluation due to the fact at some stage in the Industrial
Revolution 4.zero it turned into very useful for human beings in all bills, each bills for spending,
lessons bills, strength bills and so on. In this paper, we examine m-banking complements people
who recall the use and delight of customers and recognize the distinct country wide traits of
customers reflecting the improvement of m-banking services. Then methods to degree our man
or woman overall performance consciousness at the pleasant of facts structures and provider
pleasant to the ideal level.

2. Literature Review
2.1. M-banking
M-banking is describe as a product or service presented through the monetary enterprize the
use of cellular gadgets, particularly cellular phones, smartphones or tablests [15]. Also hint
different definitions for m-banking as a part of the cellular e-trade software presented through
the monetary enterprise [10]. In fact, cellular trade is likewise called a part of e-trade that makes
use of radio-primarily based totally wi-fi gadgets to behavior commercial enterprise transactions
through the web [17].
Extensive literature examines m-banking from unique angles and exhibits elements and
motivations that impact adoption and behavior [5]. Based on that, and encouraged via way
of means of the studies gaps mentioned, we offer similarly perception into character overall
performance withinside the post-adoption phase. In addition, increasingly more banking research
display the quantity of saturation. The goals of this trendy studies are adoption [12], behavioral
aim [1] adoption and rejection behavior [11], and aim to use [13]. In our modern studies,
we cognizance on character overall performance via way of means of making use of models,
specifically the D&M IS Success Model (unique and up to date version) [6], and the TTF model
[9].

2.2. DeLone & McLean

Several articles were posted withinside the IT/IS discipline that use the D&M IS Success model
(particular and modern version) as a theoretical basis. These include of know-how control system
(KMS) [19]. Getting to know fulfillment system [3], website online fulfillment objectives [16], a
hit implementation of company aid planning (ERP) [17], assessment of digital fitness record [2],
and fulfillment of worker portals [18].
The authentic D&M taxonomy turned into primarily based totally on a amandment of
Mason’s Shannon and Weaver’s mathematical theory, which diagnosed 3 ranges of information:
(a) the technical degree (the accuracy and performance of the devide the produced it); (b)
semantic degree (its cappotential to switch the meant message), and (c) degree of effectiveness
(its effect at the recipient) [16].

Figure 1. DeLone & McLean IS Original Success Model

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ICAISD 2020 IOP Publishing
Journal of Physics: Conference Series 1641 (2020) 012009 doi:10.1088/1742-6596/1641/1/012009

2.3. Task Technology Fit (TTF)

There are numerous packages that enforce the TTF model, whixh includes explaining using
blogs, using facts technolgy [6], using mobile trade withinside the coverage industry [11], the
effect of overall performance the usage of getting to know control structures and mobile paintings
support.

Figure 2. TTF Models

3. Research Model
M-banking is one of the maximum vital matters withinside the economic industry. In this take
a look at we region TTF, steps in DcLone & McLean success, and best of carrier withinside
the DeLone & McLean sport version that chooses an vital function in man or woman overall
performance. We believe the posted studies version on well-mounted theories: DeLone & Mclean
and TTF. [8]. The D&M version (authentic and accepted version) has a a hit version, which helps
device best, records best, and carrier best that impacts consumer and consumer satisfaction,
and all this is associated with enhancing man or woman and organizational capacity. Based
on usage, consumer satisfaction, and man or woman overall performance come to be an vital
problem of m-banking, the second one version can provide perception on m-banking managers.

Table 1. Hypothesis

In this study, researchers discuss between the DeLone McLean method and TTF Perspective
because TTF perspectives are related to technological requirements related to tasks related to
DeLone McLean from the user. TTF. Perspectives discuss the relationship between individual
tasks and technology. Testing data in this study shows that the measurement results above show
that all questionnaires are valid and can be used for this research.

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ICAISD 2020 IOP Publishing
Journal of Physics: Conference Series 1641 (2020) 012009 doi:10.1088/1742-6596/1641/1/012009

4. Method
4.1. Measurement
Our goal population is m-banking users. We take a look at in Indonesia, in particular in
Jakarta, which has m-banking. with a mild modification. From the literature, system quality
(SQ), information quality (IQ), service quality (SER), and individual performance (IP).

4.2. Data
Data was collected by distributing questionnaires between November 2019 to December 2019.
Items have been measured the usage of a five-factor Likert Scale, starting from strongly disagree
(1), disagree (2), doubt (3), agree (4) and strongly agree (5) . Total respondents were 102
respondents. All respondents can be used because all respondents meet the criteria to answer
the questions that have been given. To test respondents using SmartPLS. This study discusses
m-banking users. As many as 47.1% of respondents were women and 52.9% of respondents were
men. Then the data is processed using the SmartPLS application because this study estimates
and the development of an appropriate method is SmartPLS, in addition to a larger sample size
with 102 respondents. Detailed descriptive statistics about CR, CA and AVE in table 3.

5. Results
5.1. Measurement models
The size version effects are defined in desk 2 and desk 3. The reliability effects are more than
0.9 indicating that the version has accurate consistency. A accurate indicator primarily based
totally on standards need to be higher than 0.7. The size version indicates that the version has
accurate inner consistency, signs of reliability, convergent validity, and discriminant validity.

Table 2. Discriminant Validity

Table 3. Mean, standard deviation, P-value

The instrument is said to be valid, meaning it shows the measuring instrument is used to
attain legitimate information or may be used to degree what have to be measured. While
the Reliability Test is beneficial for figuring our whether or not gadgets that may be utilized
in questionnaires extra than once, at least via way of means of the identical respondent will
produce regular information. In this study the measurement model was tested with internal
reliability, convergence and discriminant validity. And the results are more than acceptance

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ICAISD 2020 IOP Publishing
Journal of Physics: Conference Series 1641 (2020) 012009 doi:10.1088/1742-6596/1641/1/012009

Table 4. CA, CR, AVE

because all calculations are more than 0.6 and for CR and CA are more than 0.6 and AVE are
more than 0.5 so that for all calculations can be accepted.

6. Discussion
This study discusses understanding the impact of M-Banking on individual performance by the
DeLone & McLean method and TTF perspective. Our hypothesis stems from system quality,
information quality, and TTF to explain historically supported users. Considering only the
results of the overall quality (SQ, IQ, SER, USE, and TTF) of m-banking to explain usage.Our
results show how calculating usage in individuals will be stronger, but on the other hand, a
moderate increase in user satisfaction with individual performance will be weaker. If m-banking
users request these services according to their needs, usage will gain strength and user satisfaction
will increase strength in explaining individual needs.

Table 5. Hypothesis test results.

Type Effect Size Type Effect Size
H1 Received H8 Received
H2 Reject H9 Reject
H3 Received H10 Reject
H4 Received H11 Received
H5 Received H12 Received
H6 Reject H13 Received
H7 Reject H14 Reject

Based on table 4, it can be seen from the 14 hypotheses proposed in this study, 8 hypotheses
were accepted and 6 hypotheses were rejected. Can be determined independent variables of
dependency has significance. for H1 = 0.027 accepted received, H2 = 0.505 results rejected,
H3 = 0.007 results received, H4 = 0,000 results received, H5 = 0,000 results received, H6 =
0.508 results rejected, H7 = 0.738 results rejected, H8 = 0.046 results accepted, H9 = 0.606
results rejected, H10 = 0.317 results rejected, H11 = 0,000 results received, H12 = 0.001 results
accepted, H13 = 0,000 results received, H14 = 0.875 results rejected.
Compared with previous research for previous research having hypothesis 16 and having 6
accepted. In a hypothetical perspective, this study was integrated by DeLone & McLean and
TTF to explain the performance of individual m-banking. We find that TTF does not have a
direct role on individual performance, but we apply the TTF method to the use of individual
performance having an important role: the first is increasing individual knowledge on m-banking
because to our knowledge, the results of large-scale m-banking research, according to the transfer
potency. Second, some constructs do not have one another directly, but combination testing with
others has constructs to increase validity.

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ICAISD 2020 IOP Publishing
Journal of Physics: Conference Series 1641 (2020) 012009 doi:10.1088/1742-6596/1641/1/012009

6.1. Conclusion
This paper discusses improving individual performance on m-banking using the D&M and TTF
methods. Based on the questionnaire data that we have distributed to 102 respondents, the data
received and rejected. Can describe individual performance on m-banking using the D&M and
TTF methods that have positive ratings or are accepted by the community and have improved
individual performance from previous research.
The focus of this research is the field of individual m-banking performance. The research
results, namely individual performance, there were eight received and there were six rejected.

6.2. Suggestion
The advice given to the authors is that further research is added to the number of samples in
filling out the questionnaire, trying to check using other methods.

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