Strategi Peningkatan Kemampuan Adopsi Teknologi Branchless Banking Untuk Memperluas Inklusi Keuangan di Masyarakat Pedesaan

Abstract

This research is aimed to understand the perception of rural people toward branchless banking and to explore factors that should be considered to develop a successful branchless banking that are suitable for rural area in Indonesian context. Five variables, they are relative advantage, compatability, complexity, trialability, and observability were

used to measure perception of rural people toward branchless banking. Questionnaires were distributed to people in Kuncen village. We find that Kuncen village people have good perception toward branchless banking; relative advantage and complexity are factors that should be considered in developing branchless banking, suitable for people in rural area. Those two factors contributes to the willingness of rural people to adopt new technology and factors such as compatability, trialability, and observability are the hindrances for branchless banking adoption.