Paper Title
Analysis of the Effect of Cognitive and Affection Variables in Forming Internet Banking Actual Usage in Indonesia

Abstract
The rapid development of information technology has provided many benefits to society in their life. The development of information technology provides convenience and practicality of doing things. It is very useful and appropriate for current daily lifestyles. Development of information technology is a great opportunity for companies to creatively inovate their product in order to develop their business. This great opportunity is noted and utilized by various companies, including banks. Currently, banks in Indonesia have launched various products which are based on information technology. One of the banks that launched information technology products is Conventional Bank. Information technology usage has been a major focus of information systems research for more than two decades. This is because information technology usage has been demonstrated to be a key driver of organizational performance. While most prior research on information technology usage has focused on initial usage or acceptance (Anderson et al., 2001; Davis et al., 1989; Taylor and Todd, 1995), long term information technology usage or continuance has recently gained increased attention among researchers (Devaraj and Kohli, 2003; Pollard, 2003; Premkumar and Bhattacherjee, 2008). Information technology development is a great opportunity for companies to creatively innovate their product in order to develop their business. One of the information technology-based products that grow quite rapidly at this time is Internet banking. Internet banking is one of the information technology that give option to their customers for bypassing the time-consuming, paper-based aspects of traditional banking in order to manage their finances more quickly and efficiently. This opportunity has been seen by CIMB Niaga Bank as one of the largest bank in Indonesia. Our study is to analyze the effect of personal innovativeness, social influence, compability, perceived of usefulness, perceived ease of use, perceived credibility, behavioral intention of use on actual usage as the propose of an extended framework to re-examine actual usage of technology. This study uses a quantitative approach using regression techniques (multiple regression) through the program SPSS 22. The samples were 150 respondents with non probability sampling technique. The sampling method was purposive sampling. Keywords - Personal Innovativeness, Social Influence, Compatibility, Perceived of Usefulness, Perceived Ease of Use, Perceived Credibility, Behavioral Intention, Actual Usage, Internet Banking