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The purpose of this research is to find out: (1) The Influence of Perception about Online Banking Usefulness in Sumbawa University of Technology Student’s, (2) The Influence of Online Banking Safety in Sumbawa University of Technology Student’s, (3) The Influence of Online Banking Credibility in Sumbawa University of Technology Student’s, (4) The Influence of Perception about Online Banking Ease Using in Sumbawa University of Technology Student’s, (5) The Influence of Perception about Usefulness, Safety, Credibility and Perception of Ease Using in Simultaneously toward utilizing of Online Banking in Sumbawa University of Technology Student’s. This research base on survey. The population in this research is 3500 students in Sumbawa University of Technology (base on student’s data in September 2018), and this research take 317 students as the samples. Validity and reability test are using in instrumental test. Regulation analyze test like normality, linearity, multicolinearity, and heteroscedastisity test are do before analyze the data. The hypothesis is tested using multiple linear regression technique. The result of this research is 1) The Influence of Perception about Online Banking Usefulness in Sumbawa University of Technology Student’s is positive and significant. 2) The Influence of Online Banking Safety in Sumbawa University of Technology Student’s is positive and significant. 3) The Influence of Online Banking Credibility in Sumbawa University of Technology Student’s positive and significant. 4) The Influence of Perception about Ease Using of Online Banking in Sumbawa University of Technology Student’s is positive and significant. 5) The Influence of Perception about Usefulness, Safety, Credibility and Perception of Ease Using in Simultaneously toward utilizing of Online Banking in Sumbawa University of Technology Student’s is positive and significant, caused by Ftest value > Ftable (Ftest = 36.344 and Ftable = 2.3719). Keyword: Perception about Usefulness, Safety, Credibility and Perception of Ease Using of Online Banking

journal of accounting, finance, and auditing (jafa)

PENGARUH PERSEPSI KEBERMANFAATAN, KEAMANAN, KEPERCAYAAN DAN PERSEPSI KEMUDAHAN PENGGUNAAN TERHADAP PENGGUNAAN ONLINE BANKING PADA MAHASISWA UNIVERSITAS TEKNOLOGI SUMBAWA