Analisis Faktor Niat dan Perilaku Pengguna Bank Digital dengan Model TAM & UTAUT2
Abstract
In recent years, the modern era has facilitated many changes with the assistance of internet and technology. The concept of digital transformation has attracted many enthusiasts from various sectors, including the banking industry. In today's digital era, the banking industry is rapidly shifting from traditional platforms to digital, one form of proof of innovation formed due to digital changes is digital bank applications. The goal of this study is to examine the variables influencing the conduct of customer’s intentions and usage behaviour when it comes to digital bank application adoption. The research model used is an integration between Technology Acceptance Model (TAM) and Unified Theory of Acceptance and The Use of Technology2 (UTAUT2) with an additional influencing factor that is Trust. The analysis used is PLS-SEM run by SmartPLS software version 4. The analysis's findings indicate that "Behavioral Intention" is influenced by the variables "Perceived Usefulness," "Price Value," "Trust," and "Habit". While the variables "Perceived Ease of Use", "Social Influence", and "Hedonic Motivation" found to have no effect. The variable "Behavioral Intention" also has a significant impact on "Use Behavior".
Downloads
References
P. J. Kusuma, N. A. Purusa, D. Aqmala, and A. N. Chasanah, “Penerapan Articial Intelligence sebagai Stimulus Niat Beli Konsumen dalam Pemasaran Media Sosial,” Jurnal Teknologi Dan Sistem Informasi Bisnis, vol. 5, no. 4, pp. 521–528, Oct. 2023, doi: 10.47233/jteksis.v5i4.1057.
Asosiasi Penyelenggara Jasa Internet Indonesia (APJII), “Survei Penetrasi & Perilaku Internet 2023,” 2023. Accessed: Jun. 28, 2023. [Online]. Available: https://survei.apjii.or.id/survei/
Y. W. Riyadi Putra, F. Nur Styaningsih, and W. H. Herviana, “Analisis Perkembangan Transportasi Online di Indonesia di Era 4.0 Dengan Metode Penelitian Deskriptif,” Jurnal Teknologi Dan Sistem Informasi Bisnis, vol. 4, no. 1, pp. 162–170, Jan. 2022, doi: 10.47233/jteksis.v4i1.389.
N. Aprillia and M. R. Sanjaya, “Analisis Kepuasan Pengguna Terhadap Layanan Gofood Menggunakan Metode End User Computing Satisfaction,” Jurnal Teknologi Dan Sistem Informasi Bisnis, vol. 5, no. 4, pp. 511–520, Oct. 2023, doi: 10.47233/jteksis.v5i4.1053.
L. F. Rodrigues, A. Oliveira, and H. Rodrigues, “Technology management has a significant impact on digital transformation in the banking sector,” in International Review of Economics and Finance , Portugal: Elsevier, Jul. 2023. doi: 10.1016/j.iref.2023.07.040.
S. Ahmed and S. Sur, “Change in the uses pattern of digital banking services by Indian rural MSMEs during demonetization and Covid-19 pandemic-related restrictions,” Vilakshan - XIMB Journal of Management, vol. 20, no. 1, pp. 166–192, Feb. 2023, doi: 10.1108/xjm-09-2020-0138.
W. Dafri and R. Al-Qaruty, “Challenges and opportunities to enhance digital financial transformation in crisis management,” Social Sciences & Humanities , Aug. 2023, doi: 10.1016/j.ssaho.2023.100662.
M. Widodo, M. I. Irawan, and R. A. Sukmono, “Extending UTAUT2 to Explore Digital Wallet Adoption in Indonesia,” in 2019 International Conference on Information and Communications Technology (ICOIACT), 2019, pp. 878–883.
W. A. Alkhowaiter, “Digital payment and banking adoption research in Gulf countries: A systematic literature review,” Int J Inf Manage, vol. 53, Aug. 2020, doi: 10.1016/j.ijinfomgt.2020.102102.
V. Samartha, S. Shenoy Basthikar, I. T. Hawaldar, C. Spulbar, R. Birau, and R. D. Filip, “A Study on the Acceptance of Mobile-Banking Applications in India—Unified Theory of Acceptance and Sustainable Use of Technology Model (UTAUT),” Sustainability (Switzerland), vol. 14, no. 21, Nov. 2022, doi: 10.3390/su142114506.
M. Najib and F. Fahma, “Investigating the adoption of digital payment system through an extended technology acceptance model: An insight from the Indonesian small and medium enterprises,” Int J Adv Sci Eng Inf Technol, vol. 10, no. 4, pp. 1702–1708, 2020, doi: 10.18517/ijaseit.10.4.11616.
V. Venkatesh and F. D. Davis, “Theoretical extension of the Technology Acceptance Model: Four longitudinal field studies,” Manage Sci, vol. 46, no. 2, pp. 186–204, 2000, doi: 10.1287/mnsc.46.2.186.11926.
W. Ramadhanti, S. Murni Setyawati, Mukhrodin, and Kurniawan, “Extended TAM Test On Indonesian SMEs’ Fintech Users & Its Financial Reports,” Journal of Accounting and Business, vol. 05, no. 01, pp. 83–98, 2020.
P. Patil, K. Tamilmani, N. P. Rana, and V. Raghavan, “Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal,” Int J Inf Manage, vol. 54, Oct. 2020, doi: 10.1016/j.ijinfomgt.2020.102144.
M. Amin Almaiah, M. Al-Emran, A. Mugahed Al-Rahmi, F. Alturise, and W. Mugahed Al-Rahmi, “Factors influencing the adoption of internet banking: An integration of ISSM and UTAUT with price value and perceived risk,” Journal Frontiers in Psychology, Sep. 2022, doi: https://doi.org/10.3389/fpsyg.2022.919198.
V. Venkatesh, X. Xu, and J. Y. L. Thong, “Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology,” vol. 36, pp. 157–178, Mar. 2012, [Online]. Available: http://about.jstor.org/terms
H. A. Alnemer, “Determinants of digital banking adoption in the Kingdom of Saudi Arabia: A technology acceptance model approach,” Digital Business, vol. 2, no. 2, p. 100037, 2022, doi: 10.1016/j.digbus.2022.100037.
C. M. Chao, “Factors determining the behavioral intention to use mobile learning: An application and extension of the UTAUT model,” Front Psychol, vol. 10, no. JULY, 2019, doi: 10.3389/fpsyg.2019.01652.
O. A. Gansser and C. S. Reich, “A new acceptance model for artificial intelligence with extensions to UTAUT2: An empirical study in three segments of application,” Technol Soc, vol. 65, May 2021, doi: 10.1016/j.techsoc.2021.101535.
J. F. Hair, G. T. M. Hult, C. M. Ringle, and Marko. Sarstedt, A primer on partial least squares structural equation modeling (PLS-SEM), 2nd ed. Los Angeles: SAGE Publications, Inc., 2017.
A. S. Nurqamarani, E. Sogiarto, and N. Nurlaeli, “Technology Adoption in Small-Medium Enterprises based on Technology Acceptance Model: A Critical Review,” Journal of Information Systems Engineering and Business Intelligence, vol. 7, no. 2, p. 162, Oct. 2021, doi: 10.20473/jisebi.7.2.162-172.
N. Iivari, S. Sharma, and L. Ventä-Olkkonen, “Digital transformation of everyday life – How COVID-19 pandemic transformed the basic education of the young generation and why information management research should care?,” Int J Inf Manage, vol. 55, Dec. 2020, doi: 10.1016/j.ijinfomgt.2020.102183.
C. Tam, D. Santos, and T. Oliveira, “Exploring the influential factors of continuance intention to use mobile Apps: Extending the expectation confirmation model,” Information Systems Frontiers, vol. 22, no. 1, pp. 243–257, Feb. 2020, doi: 10.1007/s10796-018-9864-5.
A. D. Walle et al., “Intention to use wearable health devices and its predictors among diabetes mellitus patients in Amhara region referral hospitals, Ethiopia: Using modified UTAUT-2 model,” Inform Med Unlocked, vol. 36, Jan. 2023, doi: 10.1016/j.imu.2022.101157.
M. Iskandar, H. Hartoyo, and I. Hermadi, “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, vol. 10, no. 2, pp. 41–49, Mar. 2020, doi: 10.32479/irmm.9292.
S. K. Sharma and M. Sharma, “Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation,” Int J Inf Manage, vol. 44, pp. 65–75, Feb. 2019, doi: 10.1016/j.ijinfomgt.2018.09.013.
I. Koomson, P. Koomson, and A. Abdul-Mumuni, “Trust in banks, financial inclusion and the mediating role of borrower discouragement,” International Review of Economics and Finance, vol. 88, pp. 1418–1431, Nov. 2023, doi: 10.1016/j.iref.2023.07.090.
K. Nikolopoulou, V. Gialamas, and K. Lavidas, “Habit, hedonic motivation, performance expectancy and technological pedagogical knowledge affect teachers’ intention to use mobile internet,” Computers and Education Open, vol. 2, p. 100041, Dec. 2021, doi: 10.1016/j.caeo.2021.100041.
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under an Attribution 4.0 International (CC BY 4.0) that allows others to share — copy and redistribute the material in any medium or format and adapt — remix, transform, and build upon the material for any purpose, even commercially with an acknowledgment of the work's authorship and initial publication in this journal.
