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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN BISMA (Bisnis dan Manajemen)
Mufingatun Mufingatun
Gunadarma University
Economics, Econometrics & Finance Social Sciences

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Analysis of Factors Affecting Adoption of Mobile Banking Application in Indonesia Mufingatun Mufingatun; Budi Prijanto
Esensi: Jurnal Bisnis dan Manajemen Vol 10, No 1 (2020)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ess.v10i1.13972

Abstract

The development of information technology makes banking provide mobile banking service applications in Indonesia as an easy, convenient and fast service. However, there are still many customers who do not have a mobile banking account. In addition, the use of currency is still in demand by the soceity. Therefore, the purpose of this study is to determine the factors that influence consumer acceptance in the context of mobile banking applications. This study uses the Unified Theory of Acceptance and Use of Technology (UTAUT2) model which is modified by adding the variable perceived credibility and perceived self-efficacy. This research model was tested using 205 respondents from online surveys in the Jabodetabek, Indonesia. Data was analyzed using Partial Least Square (PLS).  Performance expectancy, effort expectancy, social influence has a significant effect on behavioral intention. Performance expectancy is the factor that most influences the behavior intention. Behavioral intention, facilitating condition and habit has a significant effect on reuse behavior.
Analysis of factors affecting adoption of mobile banking application in Indonesia: an application of the unified theory of acceptance and use of technology (UTAUT2) Mufingatun Mufingatun; Budi Prijanto; Himanshu Dutt
BISMA (Bisnis dan Manajemen) Vol. 12 No. 2 (2020)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.516 KB) | DOI: 10.26740/bisma.v12n2.p88-106

Abstract

Information technology has made mobile banking easy, convenient and accessible to 178 million unique mobile subscribers base in Indonesia. Out of this 50 million are smartphone users and collectively about 132 million are internet users . This rising trend has been forcing 120 commercial banks  in the country to ramp up their mobile-based banking initiatives. However, in contrast to it, only 50 million have bank accounts out of 250 million Indonesian population size . This poses a few challenges to digital adoption using mobile as medium, especially when a limited number of people have bank accounts and the cost of internet is high due to geographical, infrastructural spread and cost barriers. The purpose of this study is to unearth such factors that have - direct or indirect - influence on consumer acceptance for mobile banking applications. This research model examines 205 respondents from online surveys in Jabodetabek, Indonesia. To conduct this study, we have used Unified Theory of Acceptance and Use of Technology (UTAUT2) model that helps in understanding perceived credibility and perceived self-efficacy variables and their roles in influencing the adoption for m-banking. Data was analysed using Partial Least Square (PLS) method. The findings suggest that performance expectancy, effort expectancy, and social influence have a significant effect on behavioral intention. Performance expectancy is the factor that mostly influences behavior intention. It can also be stated that behavioral intention, facilitating condition and habit all of these have a significant effect on reuse behavior.
Co-Authors Himanshu Dutt