Snapshot on Indonesia Regulation in Mobile Internet Banking Users Attitudes

Abstract. Today, there are an increasing number of people using mobile internet banking to make transactions due to their busy life. The mobile technology enable people to make transactions anytime and anywhere. This phenomena encorage banking industry to provide this service. However, in a developing country like Indonesia, there are very limited regulations governing internet transaction. Consumer knowledge on such regulation and fraud claim procedure will affect their attitude toward mobile internet banking. The purpose of this research is to investigate how the consumer perceptions toward regulation, perceived benefit, and perceived risk influence the consumer attitude toward mobile internet banking. The finding of this research will provide insights for the banking industry and enable them to devise a marketing strategy to encourage their customers to adopt mobile internet banking.