Pengukuran Tingkat Penerimaan Pengguna Mobile Banking menggunakan Unified Theory of Acceptance and Use of Technology (UTAUT)
Abstract
This study aims to determine and analyze the influence of performance expectations, effort expectations, and social influences on behavioral intentions to use mobile banking, as well as to determine and analyze the influence of facilitating conditions and behavioral intentions on mobile banking behavior. This study uses a quantitative research method with primary data collection. The data collection technique uses a questionnaire. The research data were analyzed using Partial Least Square (PLS) and then processed using SmartPLS 4.0 software. The results of this study indicate that behavioral intentions to use mobile banking are influenced by performance expectations, effort expectations, and social influences, while mobile banking behavior is influenced by facilitating conditions and behavioral intentions. Furthermore, behavioral intentions can mediate the relationship between performance expectations, effort expectations, and social influences on usage behavior. In conclusion, this study is expected to be used by financial technology service providers to develop more effective strategies so that they can help provide features and services that suit user needs.
Keywords: Mobile Banking, Behavioral Intentions, Usage Behavior, UTAUT
References
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Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Angelina, Y. P., & Yasin, A. (2024). Penerapan Model UTAUT Terhadap Minat dan Perilaku Masyarakat Kota Surabaya Menggunakan Mobile Banking. Jurnal Ekonomika Dan Bisnis Islam, 7(1), 18–30. https://doi.org/10.26740/jekobi.v7n1.p18-30
Anjani, A., & Mukhlis, I. (2022). Penerapan Model UTAUT (The Unified Theory Of Acceptance And Use Of Technology) Terhadap Minat dan Perilaku Penggunaan Mobile Banking. JEAM, 21(1), 1–22. https://www.ojs.udb.ac.id/index.php/HUBISINTEK/article/view/1450
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Arditya, T. G., & Giri, R. R. W. (2021). Analisis Adopsi Mobile Banking Nasabah Bank di Jawa Tengah Menggunakan Model UTAUT Dengan Budaya Sebagai Moderator. E-Proceeding of Management, 8(6), 7680–7687.
Baabdullah, A. M., Alalwan, A. A., Rana, N. P., & Kizgin, H. (2019). Consumer Use of Mobile Banking (M-Banking) in Saudi Arabia: Towards an Integrated Model. International Journal of Information Management, 44(1), 38–52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002
Bharata, W., & Widyaningrum, P. W. (2020). Analisis Penerimaan Teknologi Mobile Banking Terhadap Use Behavior Melalui Pendekatan Model Utaut 2 (Studi Pada Nasabah KCU BCA Malang). Capital: Jurnal Ekonomi Dan Manajemen, 3(2),
139-141. https://doi.org/10.25273/capital.v3i2.6080
Dajani, D., & Hegleh, A. S. A. (2019). Behavior intention of animation usage among university students. Heliyon, 5(10), 1-10. https://www.cell.com/heliyon/fulltext/S2405-8440(19)36196-1
Ismail. (2011). Perbankan Syariah. Prenada Media Group, Jakarta.
Kadir, A., & Triwahyuni. (2003). Pengenalan Teknologi Informasi. Penerbit Andi, Yogyakarta.
Kim, G., Shin, B., & Lee, H. (2009). Understanding Dynamics Between Initial Trust and Usage Intentions of Mobile Banking. Information Systems Journal, 19(3), 283–311. https://doi.org/10.1111/j.1365-2575.2007.00269.
Laukkanen, T., & Lauronen, J. (2005). Consumer Value Creation in Mobile Banking Services. International Journal of Mobile Communications, 3(4), 325–338. https://doi.org/10.1504/IJMC.2005.007021
Lestari, L. D. (2020). Pengaruh Ekspektasi Kinerja, Ekspektasi Usaha Dan Faktor Sosial Terhadap Minat Menggunakan Aplikasi BRIS Online. Journal of Chemical Information and Modeling, 53(9), 1689–1699.
Martínez, C. A. L., Sabiote-Ortiz, C. M., & Rey-Pino, J. M. (2018). The Influence of Cultural Intelligence on Intention of Internet Use. Spanish Journal of Marketing - ESIC, 22(2), 231–250. https://www.emerald.com/insight/content/doi/10.1108/sjme-04-2018-0024/full/html
Meuthia, R. F., Ananto, R. P., & Afni, Z. (2020). Analisis Faktor-Faktor yang Mempengaruhi Minat UMKM Terhadap Penggunaan Uang Elektronik Di Kota Padang. Akuntansi Dan Manajemen, 15(1), 143–155. https://doi.org/10.30630/jam.v15i1.113
Pamungkas, Z. Y., & Sudiarno, A. (2022). Implementasi Model UTAUT (Unified Theory of Acceptance and Use of Technology) untuk Menganalisis Faktor- Faktor yang Mempengaruhi Penggunaan Aplikasi Brimo. Jurnal Teknologi Informasi Dan Ilmu Komputer, 9(3), 569–578. https://pdfs.semanticscholar.org/5e29/e2254602ff9c6da1c96a0314a55caf1b78c0.pdf
Rachmawati, I. K., Bukhori, M., Majidah, Y., Hidayatullah, S., & Waris, A. (2020). Analysis of Use of Mobile Banking with Acceptance and Use of Technology (UTAUT). International Journal of Scientific & Technology Research, 9(8),
534–540. https://eprints.unmer.ac.id/id/eprint/2953/
Ridhwan, N., & Purwanto, E. (2020). The Unified Theory Acceptance and Use of Technology in the Industrial Internet of Things Era: A Conceptual Framework. International Conference on Humanities, Education, and Socisl Sciences, KnE Social Sciences, 589–600. https://knepublishing.com/index.php/KnE-Social/article/view/7917
Salamah, I., & Kusumanto, R. (2017). Faktor-Faktor yang Mempengaruhi Minat Pemanfaatan Sistem Informasi Pada Dosen Jurusan Teknik Elektro POLSRI. Jurnal Digit, 5(2), 121–131. https://doi.org/10.51920/jd.v5i2.45
Santoso, B., & Zusrony, E. (2020). Analisis Persepsi Pengguna Aplikasi Payment Berbasis Fintech Menggunakan Technology Acceptance Model (TAM). Jurnal Teknologi Informasi Dan Komunikasi, 11(1), 49–54. https://doi.org/10.51903/jtikp.v11i1.150
Saputri, L. G., & Wahyuni, S. (2016). Pengaruh Ekspektasi Kinerja, Ekspektasi Usaha, Faktor Sosial, Kesesuaian Tugas, dan Kondisi yang Memfasilitasi Pengguna Terhadap Minat Pemanfaatan Sistem Informasi Pengelola Keuangan Daerah (SIPKD) (Survei pada Pemerintah Daerah Kabupaten Sragen). Kajian Akuntansi, 11(2), 103–119.
Sari, S. P., & Cristiana, S. (2022). Penerapan Model UTAUT (Unified Theory of Acceptance and Use of Technology) Terhadap Minat Penggunaan Mobile Banking Pada Masa Pandemi Berbasis Data Google Trends. Prosiding Seminar Nasional Hukum, Bisnis, Sains Dan Teknologi, 2(1), 698–706. https://www.ojs.udb.ac.id/index.php/HUBISINTEK/article/view/1450
Siregar, C. S., Permatasari, I., & Pujiono. (2021). Analisis Keberterimaan Sistem Informasi Akuntansi. Jurnal Bisnis Dan Akuntansi, 23(1), 23–36.
Sriekaningsih, A. (2020). QRIS dan Era Baru Transaksi Pembayaran 4.0. Penerbit Andi, Yogyakarta.
Thakur, R., & Srivastaya, M. (2013). Customer Usage Intention of Mobile Commerce in India: An Empirical Study. Journal of Indian Business Reasearch, 5(1), 52–72. https://www.emerald.com/insight/content/doi/10.1108/17554191311303385/full/html
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
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2024-12-30
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