DEVELOPMENT OF TECHNOLOGY ACCEPTANCE MODEL (TAM) IN ANALYZING USER DECISIONS OF MOBILE BANKING SERVICES Wondr by BNI

This study aims to analyze the level of acceptance of the Wondr by BNI Mobile Banking application in Indonesia by utilizing the Technology Acceptance Model framework. This model is used to assess the extent to which Perceived Ease of Use and Perceived Usefulness influence user decisions. As an extension of the model, the Perceived Security variable was also added to enrich the analysis of the factors influencing the decision to use the Wondr by BNI application. This research uses a quantitative approach with primary data as the main source. The sampling technique was carried out purposively on 150 respondents. The data was analyzed using the Partial Least Squares method, which is part of the Structural Equation Modeling approach. The results of the study show that Perceived Ease of Use and Perceived Security have an influence on Intention to Use, while Perceived Ease of Use also has an impact on Perceived Usefulness. In addition, Intention to Use has been shown to have an effect on Actual Use. However, Perceived Usefulness was not found to have a significant effect on Intention to Use.