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2. H2: Perceived enjoyment has a positive effect on perceived ease of use
mobile banking. The objective of hypothesis 2 is to identify whether perceived
enjoyment affects perceived ease of use of mobile banking or not. The result also shows that Perceived Enjoyment PE significantly affects Perceived
Ease of Use PEOU with probability value less than 0,05, H2 is accepted. PE affecting PEOU at 50,4 and 49,6 explained by another variable. It also
supports the Huang et al. 2006 research that perceived enjoyment affects perceived ease of use at 0,001 significant level, but it affects just 29. It also
supports Sun and Zhang 2006 research about the relationship between PE and PEOU. Their research proves that direction PEÆPEOU is significantly
better than the reverse direction. It also support Pikkarainen et al. 2004, Ramayah and Ignatius _____ , Selamat et al. 2009 research that perceived
enjoyment have some effect on technology acceptance.
3. H3: Perceived enjoyment has a positive effect on attitude toward using
mobile banking The objective of hypothesis 3 is to identify whether Perceived
Enjoyment PE affects attitude toward using mobile banking or not. It has probability value which means it less than 0,05. This hypothesis also
accepted. With 35,4 PE significantly affects attitude toward using mobile banking at 0,001 significant level, and 64,6 affected by another variable. It
also supports Huang et al. 2006 research with 31 affection at 0,001 significant level.
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4. H4: Perceived ease of use of the mobile banking has positive effect on
perceived usefulness of mobile banking The objective of hypothesis 4 is to identify whether Perceived Ease of
Use PEOU affects Perceived Usefulness PU of mobile banking or not. With probability value 0,003, less than 0,05, this hypothesis is accepted.
PEOU 35,9 affects PU and 64,1 affected by another variables. It supports the result of Chau 1996, Gardner and Amoroso 2004, and also Huang et
al. 2006.
5. H5: Perceived ease of use of the mobile banking has positive effect on
