• Destyn Do Lalu Universitas Nusa Cendana
  • Oktovianus Nawa Pau Universitas Nusa Cendana
  • Christien C. Foenay Universitas Nusa Cendana
  • Ni Putu Nursiani Universitas Nusa Cendana


Usage Internet banking is one of the services of banking non-cash products
provided by the management of banking services as a means of payment using
the Internet network to process transactions.The core problem in this research is
1) how the customer perception of information technology on internet banking
usage? 2) how are the risks faced by customers on the use of internet
banking?The research method used in this research is descriptive quantitative by
using Likert scale and weighting from distributed questionnaires. The results
prove that Bank Negara Indonesia (BNI) has applied various advances in
information technology to provide BNI customers various benefits when using
internet banking services. Customers enjoy the elements of speed, the element of
convenience, security elements and elements of convenience in transactions using
internet banking. The results of research also shows that the application of
technology does not cover the level of risk experienced by customers when using
internet banking servicesBased on the results of research can be concluded that
the perception of BNI customers to technology on the use of internet banking so
that researchers suggest to BNI to do a lot of promotion to introduce internet
banking more lua among society. Furthermore, for other researchers who want to
investigate with the same problem menyaraknan to use the latest data so that
obtained can show comparison of internet banking development from year to

Keywords: Information Technology, Ease, Speed, security, E-Banking risk,
Internet Banking