Analisis faktor-faktor yang mempengaruhi penerimaan dan penggunaan aplikasi mobile banking pada bank buku 4 di Indonesia dengan menggunakan model unified theory of acceptance and use of technology 2
Article Sidebar
Mobile Banking,
UTAUT 2,
PLS- SEM,
Book bank
Main Article Content
Abstract
The development of increasingly advanced technology supports the birth of various new product and service innovations in the banking industry so that an information technology (IT)-based business strategy is very important to gain competitive advantage and business competition. Increasing the need for ease of transactions anywhere and anytime as well as changes in banking transactions made by the public from cash transactions to non-cash (digital) transactions have resulted in significant growth in mobile banking transactions in Indonesia. Although the number of transactions using mobile banking in Indonesia continues to increase, the process of digitizing banking services is considered a bit late compared to technology-based financial services or fintech. The level of consumer acceptance as a user becomes an essential problem because it is one of the determining factors for the success of an implemented system. This study was conducted to determine what factors in the UTAUT 2 model affect the use of BUKU 4 Bank mobile banking in Indonesia. The research was conducted quantitatively, PLS-SEM data analysis with SmartPLS 3, and online questionnaire distribution in Greater Jakarta (Jakarta, Bogor, Depok, Tangerang, South Tangerang, and Bekasi). The result is that the four hypotheses proposed were declared insignificant and rejected (Performance Expectancy, Effort Expectancy, Social Influence, Hedonic Motivation), the other four hypotheses were declared significant and accepted (Price Value, Facilitating Condition, Habit, Behavioral Intention).
Article Details
References
Andriani, T. (2016). Sistem pembelajaran berbasis teknologi informasi dan komunikasi. Sosial Budaya, 12(1), 117–126.
Anggraeni, R. (2021). Selama Pandemi, Penggunaan Mobile Banking Tembus 83 Persen. Web Page.
Ashshidiqy, N., & Ali, H. (2019). Penyelarasan teknologi informasi dengan strategi bisnis. Jurnal Ekonomi Manajemen Sistem Informasi, 1(1), 51–59.
Fenu, G., & Pau, P. L. (2015). An analysis of features and tendencies in mobile banking apps. Procedia Computer Science, 56(1), 26–33. https://doi.org/10.1016/j.procs.2015.07.177
Ghozali, I. (2021). Partial Least Squares Konsep, teknik dan aplikasi menggunakan program SmartPLS 3.0 untuk penelitian empiris (3rd ed.). Badan Penerbit Universitas Diponegoro.
Hidayat, M. T., Aini, Q., & Fetrina, E. (2020). Penerimaan pengguna e-wallet menggunakan UTAUT 2 (Studi kasus). Jurnal Nasional Teknik Elektro Dan Teknologi Informasi| Vol, 9(3).
Hosein, N. Z. (2009). Internet Banking: An Empirical Study Of Adoption Rates Among Midwest Community Banks. Journal of Business & Economics Research (JBER), 7(11), 51–72. https://doi.org/10.19030/jber.v7i11.2355
Liu, Y. C., & Huang, Y. M. (2015). Using the UTAUT model to examine the acceptance behavior of synchronous collaboration to support peer translation. JALT CALL Journal, 11(1), 77–91. https://doi.org/10.29140/jaltcall.v11n1.185
Moridu, I. (2020). Pengaruh digital banking terhadap nilai perusahaan perbankan: Studi pada PT. Bank Negara Indonesia (Persero) Tbk. Jurnal Riset Akuntansi Politala, 3(2), 67–73.
Otoritas Jasa Keuangan. (2020). Buletin riset kebijakan perbankan. BULETIN RISET KEBIJAKAN PERBANKAN, 2(1).
Shaikh, A. A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telematics and Informatics, 32(1), 129–142. https://doi.org/10.1016/j.tele.2014.05.003
Sidharta, R. (2017). Optimalisasi peran perbankan syariah dalam mendukung wisata halal. Jurnal Distribusi, 5(2), 1–14.
Suharni, S., & Sari, S. R. K. (2019). Penerapan sistem informasi akuntansi pada pondok pesantren di Kota Madiun. JURNAL EKOMAKS Jurnal Ilmu Ekonomi Manajemen Dan Akuntansi, 8(2), 53–63.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, JSTOR, 36(1), 157–178. https://doi.org/10.1109/MWSYM.2015.7167037
Widyaningdyah, A. U., & Aryani, Y. A. (2013). Intellectual capital dan keunggulan kompetitif (Studi empiris perusahaan manufaktur versi Jakarta stock industrial classification-JASICA). Jurnal Akuntansi Dan Keuangan, 15(1), 1–14.