Factors Affecting Adoption of Mobile Banking by Using the Extended Unified Theory of Acceptance and Use Of Technology (Utaut2) Model in Bank Mandiri Customers
Ilmi Fitri (a*), Dr. Teguh Widodo, S.E., S.T., M.M (a)
a) Telkom University
Jl. Telekomunikasi Jl. Terusan Buah Batu No.01, Sukapura, Dayeuhkolot, Kota Bandung, Jawa Barat 40257
*fitriilmi.student.telkomuniversity.ac.id
Abstract
Rate of adoption of mobile banking services does not reach the expected level, especially in developing countries. This study uses the UTAUT2 model and uses price value variables, hedonic motivation, social influence, trust, performance expectancy, effort expectancy, behavioral intention, facilitating conditions and adoption. The purpose of this study is to determine the effect of price value variables, hedonic motivation, social influence, trust, performance expectancy, effort expectancy on behavioral intention, trust and effort expectancy variables on performance expectancy, variable facilitating conditions on adoption, and indirect effects of price value variables, hedonic motivation, social influence, trust, performance expectancy, effort expectancy towards adoption. The research method uses a quantitative approach. Data collection was conducted on Bank Mandiri users of mobile banking services with 241 respondents. This study uses a structural equation model (SEM) and uses an ordinal scale with 34 questions. The results of this study indicate the variable hedonic motivation has a significant influence on behavioral intention. Trust shows a significant influence on performance expectancy. Behavioral intention and facilitating conditions have a significant influence on adoption. Hedonic motivation is the variable that has the most influence on the adoption indirectly on Bank Mandiri mobile banking.
Keywords: Adoption;Customers;Mobile Banking;UTAUT2
Topic: Financial Technology