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p-Index From 2021 - 2026
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All Journal International Journal of Environment, Engineering, and Education
Endang Siti Astuti
Department of Business Administration, Universitas Brawijaya, Malang, East Java, Indonesia
Civil Engineering, Building, Construction & Architecture Computer Science & IT Education Electrical & Electronics Engineering Engineering Environmental Science

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Explaining Post-Adoption Mobile Banking Usage in Indonesia Using an Integrated Technology Acceptance Model and IS Success Model: Evidence from PLS-SEM Rr. Tri Istining Wardani; Endang Siti Astuti; Sunarti Sunarti; Mohammad Iqbal
International Journal of Environment, Engineering and Education Vol. 8 No. 1 (2026)
Publisher : Three E Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55151/ijeedu.v8i1.372

Abstract

Mobile banking has become a primary channel for retail financial services in emerging economies; however, prior research has focused predominantly on initial adoption intention rather than post-adoption usage behavior. This study addresses that gap by integrating the Technology Acceptance Model and the DeLone and McLean IS Success Model to explain post-adoption mobile banking usage in Indonesia. A quantitative cross-sectional survey was conducted with 544 active users of mobile banking applications from four Indonesian state-owned banks, and the data were analyzed using PLS-SEM. The results indicate that perceived ease of use significantly enhances perceived usefulness (β = 0.549, t = 14.213, p < 0.001). In turn, perceived usefulness (β = 0.192, p < 0.001), system quality (β = 0.247, p < 0.001), information quality (β = 0.225, p = 0.001), and service quality (β = 0.195, p < 0.001) positively affect user satisfaction. User satisfaction, in turn, emerges as the strongest direct predictor of self-reported actual usage (β = 0.523, t = 12.044, p < 0.001). The model explains 30.2% of the variance in perceived usefulness, 51.2% of the variance in user satisfaction, and 27.3% of the variance in actual usage. These findings indicate that post-adoption mobile banking usage is shaped not only by cognitive acceptance beliefs but also by users’ evaluations of system performance, information quality, and service support. This study contributes to post-adoption digital banking research by demonstrating that satisfaction is the central evaluative mechanism linking acceptance beliefs and service-quality perceptions to sustained behavioral usage.
Engineering-Oriented Transit QoS and Perceived Value: Predicting Passenger Satisfaction and Behavioral Intentions in Urban Public Transport Muhamad Fajar Subkhan; Endang Siti Astuti; Andriani Kusumawati; Sunarti Sunarti
International Journal of Environment, Engineering and Education Vol. 8 No. 1 (2026)
Publisher : Three E Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55151/ijeedu.v8i1.427

Abstract

The integration of technology into education has garnered significant interest, particularly for its potential to support environmental sustainability. Urban bus and bus rapid transit (BRT) systems must deliver passenger-centered service quality that is both measurable for operators and meaningful to users. However, service-quality research often relies on generic perceptual scales that are difficult to translate into actionable operational interventions. This study advances an engineering-oriented Stimulus–Organism–Response (S–O–R) framework by conceptualizing Transit Engineering Quality of Service (TE-QoS) as an actionable stimulus and examining its relationships with perceived value, satisfaction, and behavioral intention in the context of urban bus services in Indonesia. Data were collected through an offline intercept survey of Trans Jatim passengers in the Surabaya metropolitan area between June and July 2024, yielding 300 valid responses for analysis. Using CB-SEM (AMOS), the measurement model demonstrated satisfactory reliability and validity. The structural results indicate that perceived value strongly predicts satisfaction (β = 0.698, p < 0.001), whereas TE-QoS exerts a positive, though comparatively modest, direct effect on satisfaction (β = 0.122, p = 0.017). Satisfaction, in turn, strongly predicts behavioral intention (β = 0.700, p < 0.001). The Model explains 50.2% of the variance in satisfaction and 48.9% of the variance in behavioral intention. These findings suggest that operational improvements in reliability, regularity, travel-time efficiency, access, comfort, information, and safety are more likely to strengthen loyalty-related intentions when passengers perceive them as clear gains in value. Future research should integrate objective operational data and formally examine indirect mediation pathways.
Co-Authors Andriani Kusumawati Mohammad Iqbal Muhamad Fajar Subkhan Rr. Tri Istining Wardani Sunarti Sunarti