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All Journal Faktor Exacta SAINSTECH: Jurnal Penelitian dan Pengkajian Sains dan Teknologi Journal of Artificial Intelligence and Digital Business Journal of Research and Publication Innovation Jurnal Inovasi Pengabdian Masyarakat Biner : Jurnal Ilmu Komputer, Teknik dan Multimedia OKTAL : Jurnal Ilmu Komputer dan Sains JRIIN :Jurnal Riset Informatika dan Inovasi APPA : Jurnal Pengabdian Kepada Masyarakat TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan AI dan SPK : Jurnal Artificial Intelligent dan Sistem Penunjang Keputusan Jitu: Jurnal Informatika Utama Jurnal Informatika: Jurnal Pengembangan IT Jurnal Media Akademik (JMA) Spectrum: Multidisciplinary Journal Ambidextrous : Journal of Innovation, Efficiency and Technology in Organization Jurmas: Jurnal Pengabdian Masyarakat Computer Journal Sinergi : Jurnal Ilmiah Multidisiplin Scripta Technica: Journal of Engineering and Applied Technology Inventa: Journal of Science, Technology, and Innovation Journal of Information Systems and Business Technology Jurnal Akuntansi dan Sistem Informasi
Samso Supriyatna
Universitas Pamulang
Religion Aerospace Engineering Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mechanical Engineering Medicine & Pharmacology Physics Social Sciences Transportation Other

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Journal : scripta technica journal of engineering and applied technology

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Analisis Faktor Penerimaan Pengguna Aplikasi Fintech Menggunakan Unified Theory of Acceptance and Use of Technology 2 Bernadine Zidane Maheswara; Nindita Aprilia; Wahyu Febryana Sari; Samso Supriyatna
Journal of Engineering and Applied Technology Vol 1 No 2 (2025): December: Scripta Technica: Journal of Engineering and Applied Technology
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/jxrf5e65

Abstract

The massive digital transformation in Indonesia's banking sector has created fierce competition among financial service providers, making it crucial to understand the psychological determinants of technology adoption. This study aims to analyze the factors that influence behavioral intention and use behavior in one of Indonesia's leading digital banking applications by adopting the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) framework. Using a quantitative approach, data were collected from 300 active users and analyzed using multiple linear regression to test the hypotheses between variables. The results show that all independent variables in the UTAUT2 model contribute positively and significantly to behavioral intention, with hedonic motivation and perceived value identified as the most dominant determinants, indicating that users now prioritize aspects of enjoyment and economic benefits over mere technical functionality. Furthermore, analysis of actual usage behavior shows that habit and behavioral intention are the main predictors, while facilitating conditions are not proven to have a significant direct impact
Co-Authors Aaqilah, Muhammad Hilmi Abdul Gani Fattah Achmad Nawawi Adyasa, Fitra Agus Apri Hidayat Agus Budiman Agustin, Nanda Aldi Rivaldo Said Anggraini, Meri Annisya Walya Doifa Aprilia, Bebi Marisha Ardhi Maulana Yusuf Ardiansyah Aulia, Aura Aurellia Prima Agustin Bayu Ari Murti Bernadine Zidane Maheswara Billal Rakananda Calvin Akbar Setiawan Christien Rozali Efri Jaya Gulo Elvin, Muhammad Endin Fahrudin Fahmi Abdul Muiz Fahreza, Muhammad Dilan Fahrudin, Endin Fahrul Roji Fazhira, Divatul Febrian Amarudin Firdaus, Adam Firman Darmawan Fitriani, Refi Gayo, Amir Farhan Gultom, Erlina Stepani Habeahan, Leksa Revalina Hakim Nurudin Haqki Riki Ramadhan Ikhwan Abdi Legia Ilham Maulana Ivan Fadilah Januar Aksa Kamilatun Nuha, Naysilla Karimah, Mufidah Karno Ganjar Prasetyo Liyanti, Risma April Luthfie Ainun Nissa Mufidah Karimah Mufidah Karimah Muhamad Ihsan Ashari Muhamad Pramuditha Muhammad Arif Budiman Muhammad Azriel Chaniago Muhammad Husni Syamaidzar Muhammad Rivaldi Nasution, Zahrah Zhafirah Naufal Zaki Labib Nely Nuriyah Nindita Aprilia Nurfillah, Imannisa Khalida Permana, Fahri Pramudya Adi Saputra Putra Ar Meidi Putri Yulianti Putri, Pingkan Dwi Fransisca Yukinori Kistia Rahmadeni, Hadin August Rahmat Hartono Ramadhan, Handika Ramadhani Permana Putra Restu Pitaloka Ayu Reyhansyah Bani Mahawan Reza Ardiansyah Rizal Muhammad Lail Rizky Ramdhani Rizky Yuri Ramadhan Salman Farizy Silvia Azkal Azkya Situmorang, Kezia Soleh, Royansyah Jordan Sopianus Waruwu Subariah, Risah suhada, Mohammad Ihsan Susanti, Harsini Syifaurachman Tatya Ayudiah Teuku Yudai Tricahya, Ikhwan Detra Triyana, Annisa Tufatul Adhan Wahyu Febryana Sari Wati Zagoto, Ekrina Zaky Ahmad Adhitya