Perbandingan Faktor-Faktor Yang Mempengaruhi Penggunaan Electronic-Know Your Customer (e-Kyc)

Abstract

There are many technological developments in banks, one of which is online transactions. To get these transactions, an account should be opened using the electronic know you customer (e-KYC) verification system at banks. This research wants to know the differences in the factors that influence behavioral intentions to use e-KYC to open a bank account for SCB (The Siam Commercial Bank) Thailand and Bank Mandiri Indonesia. This is quantitative research using a survey. We have prepared a questionnaire of 160 respondents: 80 for Bank Mandiri and 80 for SCB. The results indicate that the willingness to use electronic identity verification services influence by the availability of technology, the external impact of the network, safety awareness, perception of trust, and perception of security. The perception of security affects the perception of trust, and technical protection, also the transaction procedure does not affect the perception of trust.