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The number of internet users increase in Indonesia. Seeing this potential, many banks in Indonesia were intensified to promote online banking services by using internet media called the Internet banking. This study uses a model of technology acceptance UTAUT and add Hofstede culture as moderator. The study was conducted by distributing questionnaires in Medan and Bandung with a number of 305 respondents who use internet banking. The sampling technique used in this study is convenience sampling. The results showed that: (1) Utility and Effort Expectancy are the most influence construct on behavioral intention of using internet banking (behavioral intention). (2) Culture Hofstede (Masculinity, Uncertainty Avoidance, Individualism and Power distance) has no effect as moderators. (3) Behavioral Intention to Use Behavior has the most significant effect in this study. Keywords—internet banking; UTAUT; culture; hofstede

proceedings of the 1st international conference on economics, business, entrepreneurship, and finance (icebef 2018)

Internet Banking Adoption Analysis in Medan and Bandung City using the Unified Theory of Use and Acceptance of Technology (UTAUT) Model with Culture as Moderator