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Muhammad Faqih
Departemen Arsitektur Institut Teknologi Sepuluh Nopember
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Journal : International Journal Of Science, Technology

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Continuance Intention Analysis Using Unified Theory Of Acceptance And Use Of Technology Model And Unfavorable Attitude Toward Cash Payment Variable In The Case Study Of Pt. Xyz Bank M-Banking Application Faqih, Muhammad; Djunita Pasaribu, Rina; Wahyuningtyas , Ratri
International Journal of Science, Technology & Management Vol. 6 No. 1 (2025): January 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i1.1232

Abstract

The mobile banking application of PT. XYZ offers two main services, which are the core banking functions: collecting funds from the public and disbursing funds to the public. However, a decline in the number of users of the XYZ mobile banking app has been observed in both Monthly Active Users and Monthly Transacting Users. The study involves respondents who represent the target market of Bank XYZ, such as active users and users who make transactions on the XYZ mobile banking application. Thus, the objective of this research is to evaluate the IT functional-level strategy of PT. XYZ's mobile banking application concerning continuance intention. Further, the study aims to explain the relationships between the variables of performance expectancy, effort expectancy, social influence, and facilitating conditions from the UTAUT model, as well as the variable of unfavorable attitude toward cash payment (UATC), in relation to satisfaction and continuance intention, and the interaction between these variables. Employing a quantitative research method, the sampling technique was non-probability sampling, specifically purposive sampling, as the population was already sufficiently specific to mobile banking users of PT. XYZ, with 310 respondents who are users of PT. XYZ's mobile banking application. Data analysis was performed using CB-SEM with a Maximum Likelihood approach. The research findings indicate that performance expectancy has the most significant influence on continuance intention. The results also show that satisfaction, as an intervening variable, strengthens the significant effect of performance expectancy, effort expectancy, and social influence. Based on the findings, it is recommended to focus on performance expectancy, in line with the results of the descriptive analysis, which suggest that it is an area requiring urgent and critical evaluation. Enhancing performance expectancy can help sustain continuance intention among Monthly Active Users and Monthly Transacting Users of the XYZ mobile banking application.
Co-Authors AA Sudharmawan, AA Aan, Aan Adam, Farhan Adi Susetyaningsih Afriza, Muhamad Rizky Ahmad Syukri Ainah, Nur Ainun Nurin Sharvina Ambar Yunita Nugraheni Amelia, Nonny Rifka Rizky Amien, Muchammad Amirulhaq, Rama Mohammad Anggun Fresiani Anwari, M Riadi Firdaus Al Ari Kusumaningsih Arief Rahman Hakim Arik Kurniawati Arina Hayati Arina Hayati Ariyani , Nindy Syafira Asep Nurjaman As’ad, As’ad Azizi, Kemal Azmi, Rizki Nur Bambang Soemardiono Briantito Adiwena Budi Setiyono Cholisoh, Zakky Cindy Alisia Artanty Defrianto, M. Donny Derta Nur Anita Dwita Hapsarie Riandhini Edith Abram Rochdi Efrianto, Dias Reza Eko Budi Santoso Eldine, Achyar Ellandra, Athallah Zahran Endang Titi Sunarti BD Fadhila Amani Hardiyanti Fajrin, Akhmad Raditya Maulana Farizan Putri Andini Feti Mayasari Happy Ratna Santosa Happy Ratna Santosa Hardiansyah Hardiansyah HARI PURNOMO Hasyim Hasanah Heri Prasetyo Hikmal, Fauzan Ika Sartika Ilahi, fitrah shafran Ispurwono Soemarno Istiqamah, Farida Istiqomah, Wardah Iswati, Khalilia Nur Iwan Adi Indrawan Jaka Prima Kamaludin, Ali Kartono , Kurniawan, Hari Kurniawati Fadhilah Laya, Putri Lestari, Sari Indah Lukman Hakim Maharani Maharani Mahfuz Hadi Matnin Maulana, Muhamad Farhan Mehdia Iffah Nailufar Mehdia Iffah Nailufar, Mehdia Iffah Mellyani H.S, Ananda Mimin Aminah Yusuf Mohamad Muhajir Muhammad Hafizh Abiyyu Fathin Fawwazi Muhammad Suhardi, Muhammad Mujakki, Akmal Mujiburrahman . Mulianti, Etik Muniroh, Leny Murni Rachmawati Natasya Z, Nazwa Nilla Ardya Prihatanti Noer Aisyah Barlian, Noer Aisyah Nordin Nordin, Nordin Nurendah, Siti Poetra, Bilal Ambara Herlando Poppy Reza Hamanda Pramudia, Yogha Prasetyo, Hascaria Budi Priska Paramita Pradipta Purwanita Setijanti Putra, Royan Zanuar Putri Nur Sakinah Rahmah Rahman, Khairur Ramadani, Deanti Triana Ramadhani, Ani Ramadhani, Annisa Nur Randhana, Destria Ratri Wahyuningtyas Retpitasari, Ellyda Rina Djunita Pasaribu Rismansyah, Tendi Risti, Lutfi Zulvia Riza Alfian Rizka, Muhammad Arief Rochani, Titis Sobri Safutri, Mahardieani Rida Sandy, Trio May Santosa , Happy Ratna Sarbini Seftiyanti , Nirma Setijanti , Purwanita Shafira Zulfa Audina Sharvina, Ainun Soerjati Priowirjanto, Enni Sri Maryati Suciyana, Gina Supriatna, Salsabilla Feby Syadza, Tiara Aulia Asy Vashti Andini Widyanto, Sadewa Yudhitya Wirawan Adikusuma Wulandari, Pristya Any Yumassik, Abdul Mahmud Yusuf , Mimin Aminah