Penerapan Model UTAUT (The Unified Theory of Acceptance and Use of Technology) Terhadap Minat dan Perilaku Penggunaan Mobile Banking
Abstract
BRI mobile banking is a form of banking service that provides a strategic role in facilitating customer transaction processes. The development of m-banking BRI service needs to be done by analyzing the factors that motivate of acceptance and use of mobile banking. This reseacrh aims to determine the behavioral intention and use behavior of m-banking BRI in Malang City by applying the UTAUT model. The research approach used by the researcher is quantitative. Then, data collection was obtained through a questionnaire instrument in google form which was distributed to 130 user of m-banking BRI. The sampling technique used purposive sampling method with data analysis by using of multiple linear regression test through Ordinary Least Square (OLS) technique. The results of the research on regression 1 prove that the constructs of the UTAUT model in the form of performance expectancy, effort expectancy and social influence have a positive and significant influence on their relationship with behavioral intention in using m-banking BRI. Meanwhile, the results of the research in regression 2 namely facilitating conditions and behavioral intention are also positive and significant in their influence on the use behavior of using m-banking BRI.
Keywords: UTAUT, mobile banking, behavioral intention, use behavior
References
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Oliveira, T., M. Faria, M. A. Thomas, dan A. Popovič. 2014. Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM. International journal of information management 34 (5): 689–703.
Otoritas Jasa Keuangan. 2021. Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2021 – 2025. Jakarta: Otoritas Jasa Keuangan.
Purwanto, E., dan J. Loisa. 2020. The intention and use behaviour of the mobile banking system in Indonesia: UTAUT Model. Technology Reports of Kansai University 62 (06): 2757–2767.
Rachmawati, I. K., M. Bukhori, Y. Majidah, S. Hidayatullah, dan A. Waris. 2020. Analysis of use of mobile banking with acceptance and use of technology (UTAUT). International Journal of Scientific and Technology Research 9 (08): 8.
Rahi, S., M. M. O. Mansour, M. Alghizzawi, dan F. M. Alnaser. 2019. Integration of UTAUT model in internet banking adoption context: The mediating role of performance expectancy and effort expectancy. Journal of Research in Interactive Marketing.
Raza, S. A., N. Shah, dan M. Ali. 2018. Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic marketing.
Rita, R., dan M. H. Fitria. 2021. Analisis Faktor-Faktor UTAUT dan Trust Terhadap Behavioral Intention Pengguna BNI Mobile Banking Pada Pekerja Migran Indonesia. Jesya (Jurnal Ekonomi dan Ekonomi Syariah) 4 (2): 926–939.
Sharma, S. K. 2019. Integrating cognitive antecedents into TAM to explain mobile banking behavioral intention: A SEM-neural network modeling. Information Systems Frontiers 21 (4): 815–827.
Styarini, F., dan S. Riptiono. 2020. Analisis Pengaruh Customer Trust Terhadap Keputusan Menggunakan Mobile Banking Melalui Perceived Risk dan Perceived Usefulness Sebagai Variabel Intervening. Jurnal Ilmiah Mahasiswa Manajemen, Bisnis Dan Akuntansi (JIMMBA) 2 (4): 670–680.
Sugiyono. 2017. Metode Penelitian Kuantitatif, Kualitatif, Dan R&D. Bandung: CV Alfabeta.
Tan, E., dan J. L. Lau. 2016. Behavioural intention to adopt mobile banking among the millennial generation. Young Consumers.
Tarhini, A., M. El-Masri, M. Ali, dan A. Serrano. 2016. Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon: A structural equation modeling approach. Information Technology \& People.
Usman, O., T. Monoarfa, dan M. Marsofiyati. 2020. E-Banking and mobile banking effects on customer satisfaction. Accounting 6 (6): 1117–1128.
Venkatesh, V., M. G. Morris, G. B. Davis, dan F. D. Davis. 2003. User acceptance of information technology: Toward a unified view. MIS quarterly: 425–478.
Venkatesh, V., J. Y. L. Thong, dan X. Xu. 2012. Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS quarterly: 157–178.
Win, N. N., P. P. Aung, dan M. T. Phyo. 2021. Factors Influencing Behavioral Intention to Use and Use Behavior of Mobile Banking in Myanmar Using a Model Based on Unified Acceptance Theory. Human Behavior, Development And Society 22 (1): 19–30.
Wu, C.-G., dan P.-Y. Wu. 2019. Investigating user continuance intention toward library self-service technology: The case of self-issue and return systems in the public context. Library Hi Tech.
Alalwan, A. A., Y. K. Dwivedi, dan N. P. Rana. 2017. Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management 37 (3): 99–110.
Alalwan, A. A., Y. K. Dwivedi, dan M. D. Williams. 2016. Customers’ intention and adoption of telebanking in Jordan. Information Systems Management 33 (2): 154–178.
Bank Indonesia. 2019. Blue Print Sistem Pembarayan Indonesia 2025. Jakarta: Bank Indonesia.
———. 2022. Statistik Sistem Pembayaran dan Infrastruktur Pasar Keuangan (SPIP). https://www.bi.go.id/id/statistik/ekonomi-keuangan/spip/Default.aspx.
Bhatiasevi, V. 2016. An extended UTAUT model to explain the adoption of mobile banking. Information Development 32 (4): 799–814.
Chaidir, T., I. Ro’is, dan A. Jufri. 2021. Penggunaan Aplikasi Mobile Banking Pada Bank Konvensional dan Bank Syariah di Nusa Tenggara Barat: Pembuktian Model Unified Theory of Acceptance and Use of Technology (UTAUT). Elastisitas-Jurnal Ekonomi Pembangunan 3 (1): 61–76.
Chairia, C., C. Sukmadilaga, dan I. Yuliafitri. 2020. Peran Ekspektasi Kinerja, Ekspektasi Usaha, Pengaruh Sosial, dan Kondisi yang Mendukung terhadap Perilaku Pengguna Itqan Mobile yang Dimediasi oleh Niat Perilaku Menggunakannya. Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship 10 (1): 48–72.
Ferghyna, A. R., dan A. D. Herlambang. 2020. Pengaruh Facilitating Conditions dan Behavioral Intention terhadap Use Behavior pada Pengguna Aplikasi BNI Mobile Banking. Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer e-ISSN 2548: 964X.
Fernandrez, F., dan V. Pujani. 2019. Persepsi Nasabah Bank BCA Dalam Penggunaan Mobile Banking. JURNAL MANAJEMEN DAN BISNIS INDONESIA 5 (2): 165–180.
Ghozali, I. 2016. Aplikasi Analisis multivariete dengan program IBM SPSS 23 (Edisi 8). Cetakan ke VIII. Semarang: Badan Penerbit Universitas Diponegoro 96.
Gupta, K. P., R. Manrai, dan U. Goel. 2019. Factors influencing adoption of payments banks by Indian customers: extending UTAUT with perceived credibility. Journal of Asia Business Studies.
Hair, J. F., W. C. Black, B. J. Babin, R. E. Anderson, dan R. L. Tatham. 2010. edition 7. Multivariate data analysis. Upper Saddle River. Prentice Hall.
Handayani, T., dan S. Sudiana. 2015. Analisis penerapan model UTAUT (Unified Theory of Acceptance and Use of Technology) terhadap perilaku pengguna sistem informasi (studi kasus: sistem informasi akademik pada STTNAS Yogyakarta). Angkasa: Jurnal Ilmiah Bidang Teknologi 7 (2): 165–180.
Hariyanti, A. O., S. Hidayatullah, dan D. A. Prasetya. 2020. Analysis of the Acceptance and Use of Mobile Banking Services Using the Unified Theory of Acceptance and Use of Technology (Case Study of Bank Jatim Pasuruan Branch). Research Journal of Advanced Engineering and Science 5 (1): 254–262.
Herlambang, A. D., dan A. Dewanti. 2018. Minat Nasabah Dalam Menggunakan Layanan Mobile Banking. Jurnal Ilmiah Teknologi Informasi Asia 12 (1): 48–55.
Iskandar, M., H. Hartoyo, dan I. Hermadi. 2020. Analysis of factors affecting behavioral intention and use of behavioral of mobile banking using unified theory of acceptance and use of technology 2 model approach. International Review of Management and Marketing 10 (2): 41.
Kwateng, K. O., K. A. O. Atiemo, dan C. Appiah. 2018. Acceptance and use of mobile banking: an application of UTAUT2. Journal of enterprise information management.
Marketing Research Indonesia (MRI). 2020. Bank Service Exellence Monitor (BSEM). https://mri-research-ind.com/home/bsem/mriresearchindmarketingresearchindonesiamarketingresearchdiindonesiaperusahaanrisetdiindonesiarisetpasar.
Meiranto, W. 2016. Analisis Faktor Faktor Yang Mempengaruhi Minat Pemanfaatan Dan Penggunaan Teknologi Pembayaran Elektronik Bergerak Dengan Menggunakan Model UTAUT.(Studi Kasus Pada Teknologi M-Dinar Payment System). Jurnal Akuntansi Indonesia 1 (1): 50–60.
Moghavvemi, S., N. A. M. Salleh, dan C. Standing. 2016. Entrepreneurs adoption of information system innovation: The impact of individual perception and exogenous factors on entrepreneurs behavior. Internet Research.
Mukhlis, I., S. H. Utomo, dan E. Yusida. 2018. Potensi Ekonomi Digital dalam Meningkatan Kinerja Perekonomian Daerah.
Nawaz, S. S., H. M. A. Hilmy, dan S. Gunapalan. 2020. Islamic banking customers’ intention to use mobile banking services: A Sri Lankan study. Journal of Advanced Research in Dynamical and Control Systems 12 (2): 1610–1626.
Oliveira, T., M. Faria, M. A. Thomas, dan A. Popovič. 2014. Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM. International journal of information management 34 (5): 689–703.
Otoritas Jasa Keuangan. 2021. Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2021 – 2025. Jakarta: Otoritas Jasa Keuangan.
Purwanto, E., dan J. Loisa. 2020. The intention and use behaviour of the mobile banking system in Indonesia: UTAUT Model. Technology Reports of Kansai University 62 (06): 2757–2767.
Rachmawati, I. K., M. Bukhori, Y. Majidah, S. Hidayatullah, dan A. Waris. 2020. Analysis of use of mobile banking with acceptance and use of technology (UTAUT). International Journal of Scientific and Technology Research 9 (08): 8.
Rahi, S., M. M. O. Mansour, M. Alghizzawi, dan F. M. Alnaser. 2019. Integration of UTAUT model in internet banking adoption context: The mediating role of performance expectancy and effort expectancy. Journal of Research in Interactive Marketing.
Raza, S. A., N. Shah, dan M. Ali. 2018. Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic marketing.
Rita, R., dan M. H. Fitria. 2021. Analisis Faktor-Faktor UTAUT dan Trust Terhadap Behavioral Intention Pengguna BNI Mobile Banking Pada Pekerja Migran Indonesia. Jesya (Jurnal Ekonomi dan Ekonomi Syariah) 4 (2): 926–939.
Sharma, S. K. 2019. Integrating cognitive antecedents into TAM to explain mobile banking behavioral intention: A SEM-neural network modeling. Information Systems Frontiers 21 (4): 815–827.
Styarini, F., dan S. Riptiono. 2020. Analisis Pengaruh Customer Trust Terhadap Keputusan Menggunakan Mobile Banking Melalui Perceived Risk dan Perceived Usefulness Sebagai Variabel Intervening. Jurnal Ilmiah Mahasiswa Manajemen, Bisnis Dan Akuntansi (JIMMBA) 2 (4): 670–680.
Sugiyono. 2017. Metode Penelitian Kuantitatif, Kualitatif, Dan R&D. Bandung: CV Alfabeta.
Tan, E., dan J. L. Lau. 2016. Behavioural intention to adopt mobile banking among the millennial generation. Young Consumers.
Tarhini, A., M. El-Masri, M. Ali, dan A. Serrano. 2016. Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon: A structural equation modeling approach. Information Technology \& People.
Usman, O., T. Monoarfa, dan M. Marsofiyati. 2020. E-Banking and mobile banking effects on customer satisfaction. Accounting 6 (6): 1117–1128.
Venkatesh, V., M. G. Morris, G. B. Davis, dan F. D. Davis. 2003. User acceptance of information technology: Toward a unified view. MIS quarterly: 425–478.
Venkatesh, V., J. Y. L. Thong, dan X. Xu. 2012. Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS quarterly: 157–178.
Win, N. N., P. P. Aung, dan M. T. Phyo. 2021. Factors Influencing Behavioral Intention to Use and Use Behavior of Mobile Banking in Myanmar Using a Model Based on Unified Acceptance Theory. Human Behavior, Development And Society 22 (1): 19–30.
Wu, C.-G., dan P.-Y. Wu. 2019. Investigating user continuance intention toward library self-service technology: The case of self-issue and return systems in the public context. Library Hi Tech.
Published
2022-04-28
How to Cite
ANJANI, Widya; MUKHLIS, Imam.
Penerapan Model UTAUT (The Unified Theory of Acceptance and Use of Technology) Terhadap Minat dan Perilaku Penggunaan Mobile Banking.
Jurnal Ekonomi Akuntansi dan Manajemen, [S.l.], v. 21, n. 1, p. 1-22, apr. 2022.
ISSN 2459-9816.
Available at: <https://jurnal.unej.ac.id/index.php/JEAM/article/view/30570>. Date accessed: 22 dec. 2024.
doi: https://doi.org/10.19184/jeam.v21i1.30570.
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