Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Factors involved in adopting mobile banking for Sharia Banking Sector using UTAUT 2
Dublin Core
Title
Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Factors involved in adopting mobile banking for Sharia Banking Sector using UTAUT 2
Factors involved in adopting mobile banking for Sharia Banking Sector using UTAUT 2
Subject
Sharia banking; mobile banking; behavioral intention; mobile banking adoption; UTAUT 2; perceived credibility
Description
The technology development and covid 19 that hit 2020 have triggered an increase in digital transactions in Indonesia in recent years. The condition of the Indonesian people, which is
dominated by the productive age classified as digital savvy, further strengthens the opportunities and challenges for digital transformation in almost all industrial fields. This study aimed to determine the critical factors for consumers in behavioral intentions to use mobile banking. The model examining the factors in this study used constructs in the unified technology acceptance user technology (UTAUT) extension theory, UTAUT 2.
Perceived value is the construct for non-monetary value. Perceived credibility was also included to predict behavioral intentions. This study used 305 respondents as a crossgenerational sampling in Indonesia. Structural Equation Method (SEM) and smart pls 3.0 software were used to analyze the data. Perceived credibility was revealed to be the
strongest predictor of an individual's behavioral intention to apply mobile banking. Furthermore, performance expectancy, effort expectancy, facilitating conditions, habit, and perceived value (except social influence and hedonic motivation) were also shown to be the main predictors of consumer behavioral intentions. This study is expected to shed insight into mobile banking adoption and help the banking industry, particularly Sharia banking in Indonesia, launch a strategy to increase market share through the digitalization of
banking, especially mobile banking services.
dominated by the productive age classified as digital savvy, further strengthens the opportunities and challenges for digital transformation in almost all industrial fields. This study aimed to determine the critical factors for consumers in behavioral intentions to use mobile banking. The model examining the factors in this study used constructs in the unified technology acceptance user technology (UTAUT) extension theory, UTAUT 2.
Perceived value is the construct for non-monetary value. Perceived credibility was also included to predict behavioral intentions. This study used 305 respondents as a crossgenerational sampling in Indonesia. Structural Equation Method (SEM) and smart pls 3.0 software were used to analyze the data. Perceived credibility was revealed to be the
strongest predictor of an individual's behavioral intention to apply mobile banking. Furthermore, performance expectancy, effort expectancy, facilitating conditions, habit, and perceived value (except social influence and hedonic motivation) were also shown to be the main predictors of consumer behavioral intentions. This study is expected to shed insight into mobile banking adoption and help the banking industry, particularly Sharia banking in Indonesia, launch a strategy to increase market share through the digitalization of
banking, especially mobile banking services.
Creator
Putri Dewi Yuliana, Atik Aprianingsih
Source
DOI: 10.26905/jkdp.v26i1.6858
Publisher
Universitas Merdeka Malang
Date
January 2022
Contributor
Sri Wahyuni
Rights
ISSN: 2443-2687 (Online) ISSN: 1410-8089 (Print)
Format
PDF
Language
English
Type
Text
Coverage
Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Files
Collection
Citation
Putri Dewi Yuliana, Atik Aprianingsih, “Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Factors involved in adopting mobile banking for Sharia Banking Sector using UTAUT 2,” Repository Horizon University Indonesia, accessed December 23, 2024, https://repository.horizon.ac.id/items/show/4832.
Factors involved in adopting mobile banking for Sharia Banking Sector using UTAUT 2,” Repository Horizon University Indonesia, accessed December 23, 2024, https://repository.horizon.ac.id/items/show/4832.