Analyzing Determinants of Mobile Banking Adoption in the Context of Indonesian Sharia Banks: A UTAUT 3 Framework

Rifaatul Indana, Rindi Atika

Abstract


Mobile Banking become one of the main components in digital strategy. Bank Syariah Indonesia also provides BSI services Mobile. BSI usersMobile continues to increase but not yet comparable to the total number of BSI customers. This study aims to determine the factors that influence behavioral intention in using Mobile Banking BSI. In this study applying quantitative methods and using the theory of UTAUT-3. This study took a sample of Islamic banking students in Yogyakarta. The research was analyzed using the SEM approach (Structural Equation Model) PLS based (Partial Least Square). The statistical test results show that the Facilitating Conditions (Facilitating Conditions) and Price Value (Price Value) influencing intention in usage behavior Mobile Banking BSI to Islamic Banking students in Yogyakarta.

 

Keywords:UTAUT 3, Mobile Banking, Behavioral Intentions

 


Keywords


UTAUT 3, Mobile Banking, Behavioral Intentions

Full Text:

PDF

References


Bibliography

Akbar, M. A. (t.t.). Investigating Intentions to Adopt E-Learning using the UTAUT-3 model: A COVID-19 Perspective. 11.

Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99–110. https://doi.org/10.1016/j.ijinfomgt.2017.01.002

Alhusain, A. S. (t.t.). BANK SYARIAH INDONESIA: CHALLENGES AND STRATEGIES IN PROMOTING THE NATIONAL ECONOMY. 6.

Angelina, T. (2022). Factors Affecting Customer Intention in Using Mobile Banking at PT. Bank Syariah Indonesia, TBK KCP Stabat.Al-Sharf: Journal of Islamic Economics, 3(2), 127–141. https://doi.org/10.56114/al-sharf.v3i2.310

Anjani, W., & Mukhlis, I. (2022). Application of the UTAUT (The Unified Theory of Acceptance and Use of Technology) Model on Intentions and Behaviors in Using Mobile Banking.Journal of Accounting and Management Economics, 21(1), 1. https://doi.org/10.19184/jeam.v21i1.30570

Bankbsi.co.id (2022, April 13) Continuing Digital Transformation, BSI Wins the Best Sharia Mobile Banking Award." Retrieved October 24, 2022, at 9:35 a.m. fromhttps://www.bankbsi.co.id/news-update/berita/terus-bertransformasi-digital-bsi-raih-penghargaan-mobile-banking-syariah-terbaik

Budiarto, R. (2017). Analysis of mobile application adoption factors based on experience, age and gender using UTAUT2.Register: Scientific Journal of Information Systems Technology, 3(2), 114. https://doi.org/10.26594/register.v3i2.830

Chaidir, T., Ro'is, I., & Akhmad Jufri. (2021). Use of Mobile Banking Applications in Conventional Banks and Sharia Banks in West Nusa Tenggara: Proof of the Unified Theory of Acceptance and Use of

Technology (UTAUT). Elasticity - Journal of Development Economics, 3(1), 61–76. https://doi.org/10.29303/e-jep.v3i1.37

Emitennews.co.id (2022, September 15) Bank Syariah Indonesia (BSI) Calls BSI Mobile Users Growing 81% As of June 2022. Accessed on October 24, 2022, at 10.21 fromhttps://www.emitennews.com/news/bank-syariah-indonesia-bsi-sebut-pengguna-bsi-mobile-tumbuh-81-persen-per-juni-2022

Evelyna, F. (2021). Factors Influencing Customers In Using Digital Banking Services Using The Unified Theory Of Acceptance And Use Of Technology (UTAUT) Model At PT. Bank Mandiri Kebumen Branch. 17.

Farooq, M. S., Salam, M., Jaafar, N., Fayolle, A., Ayupp, K., Radovic-Markovic, M., & Sajid, A. (2017). Acceptance and use of lecture capture system (LCS) in executive business studies: Extending UTAUT2. Interactive Technology and Smart Education, 14(4), 329–348. https://doi.org/10.1108/ITSE-06-2016-0015

Fernos, J., & Alfadino, M. (2021). THE INFLUENCE OF BENEFITS, TRUST, AND EASE OF USE ON CUSTOMER INTENTION IN USING MOBILE BANKING SERVICES AT PT. REGIONAL DEVELOPMENT BANK WEST SUMATRA BRANCH KOTO BARU, DHARMASRAYA.Bung Hatta University Management Journal, 16(2). https://doi.org/10.37301/jmubh.v16i2.19032

Hair, J. F. Jr., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2014). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Sage Publication, 6(2), 211–213. https://doi.org/10.54055/ejtr.v6i2.134

Hair, Hult, Ringle, & Sarstedt. (2013). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). European Journal of Tourism Research, 6(2), 211–213. https://doi.org/10.54055/ejtr.v6i2.134

Herlambang, A. D., & Dewayanti, A. (2018).Customer Intention in Using Mobile Banking Services. 8.

Indonesiabaik.id (2022) Indonesian Sharia Bank Officially Operates. Retrieved January 25, 2023, at 16.05 fromhttps://indonesiabaik.id/videografis/bank-syariah-indonesia-bsi-resmi-beroperasi

Kamalasena, B. D. T. M., & Sirisena, A. B. (2021). Factors Influencing the Adoption of E-Learning by University Students in Sri Lanka: Application of UTAUT-3 Model during Covid-19 Pandemic. He has started Journal of Management, 12(2), 99. https://doi.org/10.4038/wjm.v12i2.7533

Khairani, G. A., & Giri, R. R. W. (2020). MOBILE BANKING ADOPTION ANALYSIS USING A MODIFIED LINK MODEL WITH CULTURE AS A MODERATOR IN EAST KALIMANTAN.Journal of Management Partners, 4(7), 1025–1035. https://doi.org/10.52160/ejmm.v4i7.420

Lin, H.-F. (2011). An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust. International Journal of Information Management, 31(3), 252–260. https://doi.org/10.1016/j.ijinfomgt.2010.07.006

M.Merdeka (2022, September 20) BSI Targets to Enter the List of the World's 10 Largest Islamic Banks in 2025. Accessed on October 23, 2022, at 19.22 fromhttps://m.merdeka.com/perbankan/bsi-target-masuk-daftar-10-bank-syariah-terbesar-dunia-di-2025

Machali, I. (2021).QUANTITATIVE RESEARCH METHODS. Yogyakarta: Faculty of Tarbiyah and Teacher Training, Sunan Kalijaga State Islamic University.

Maharani, Y. (2021). Generation Z's Intention in Reusing Mobile Payment Transactions: The UTAUT Model Approach 2.JOURNAL OF ACCOUNTING AND BUSINESS: Journal of Accounting Study Program, 7(2), 140–154. https://doi.org/10.31289/jab.v7i2.5641

Nopiani, N. K. R., & Putra, I. M. P. D. (2021). Application of the UTAUT 2 Model to Explain Intentions and Behavior in Using Mobile Banking.E-Journal of Accounting, 31(10), 2569. https://doi.org/10.24843/EJA.2021.v31.i10.p13

Novani, F. (2022).The Effect of Mobile Banking Services on the Number of Customers Saving at PT. Bank Syariah Indonesia, Tbk KCP Stabat. 3(1), 12.

Pinto, A. S., Abreu, A., Costa, E., & Paiva, J. (2022). Augmented Reality for a New Reality: Using UTAUT-3 to Assess the Adoption of Mobile Augmented Reality in Tourism (MART). Journal of Information Systems Engineering and Management, 7(2-In Progress), 14550. https://doi.org/10.55267/iadt.07.12012

Prabowo, R. S. H., & Widodo, T. (t.t.). ANALYSIS OF IMPLEMENTATION OF THE UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY 2 (UTAUT2) MODEL ON JENIUS MOBILE PAYMENT ADOPTION (CASE STUDY IN BANDUNG CITY). 17.

Putranto, I. A. (2020). MOBILE ACCEPTANCE TECHNOLOGY FACTORS BANKING USE BASED ON UTAUT MODEL 2.Journal of Accounting and Business Research Airlangga, 5, 18.

Rahma, T. I. F. (t.t.). FACULTY OF ISLAMIC ECONOMICS AND BUSINESS STATE ISLAMIC UNIVERSITY OF NORTH SUMATRA. 143.

Rita, R., & Fitria, M. H. (2021). Analysis of UTAUT and Trust Factors on Behavioral Intention of BNI Mobile Banking Users on Indonesian Migrant Workers.Jesya (Journal of Economics & Sharia Economics), 4(2), 926–939. https://doi.org/10.36778/jesya.v4i2.453

Rohman, A. (2022).Implementation of the UTAUT Model in the Banking Industry in Indonesia. 4(1), 10.

Santoso, A. A., & Rachmawati, I. (t.t.).ANALYSIS OF USER INTENTION IN LIVIN' BY MANDIRI M-BANKING SERVICES IN INDONESIA USING THE UTAUT 2 MODIFICATION MODEL. 7.

Sari, S. P., & Cristiana, S. (2021).Application of the UTAUT (Unified Theory of Acceptance and Use of Technology) Model to Intentions in Using Mobile Banking During the Pandemic Period Based on Google Trends Data. 9.

Sarwono, J. (2006).Quantitative and Qualitative Research Methods. Yogyakarta: Science Graha.

Savić, J., & Pešterac, A. (2019). Antecedents of mobile banking: UTAUT model.The European Journal of Applied Economics, 16(1), 20–29. https://doi.org/10.5937/EJAE15-19381

Setiadi, H. (2022). Analysis of the factors influencing the acceptance and use of mobile banking applications at book 4 banks in Indonesia using the unified theory of acceptance and use of technology 2 model.Fair Value: Scientific Journal of Accounting and Finance, 5(1), 410–417. https://doi.org/10.32670/fairvalue.v5i1.2306

Sadiq, N., & Sudarsono, H. (2022).Analysis of Islamic Bank Customer Intentions to Use Mobile Banking. 14(1), 12.

Shaikh, A. A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telematics and Informatics, 32(1), 129–142. https://doi.org/10.1016/j.tele.2014.05.003

Siagian, S. B., & Tambunan, K. (t.t.).Factors Affecting Customer Intention to Use Mobile Banking Services at PT Bank Syariah Indonesia KCP Perbaungan. 10.

Sudarti, K., & Susanti, S. (2018). ATTITUDE TO M-BANKING AND ITS IMPACT ON BEHAVIORAL INTENTION TO ADOPT M-BANKING (Study at PT Bank Syariah Mandiri Semarang).Management Journal, 8(1), 16.

Sugiharto, B., Umiyati, I., & Sholihah, N. N. (2021).APPLICATION OF UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) MODEL TO THE INTENTION TO USING MOBILE BANKING SERVICE. 05(02), 24.

Syahrum, S., & Salim. (2014).Quantitative Research Methodology. Bandung: Citapustaka Media.

Ulfa, A. (2021). Impact of the Merger of Three Islamic Banks in Indonesia.Scientific Journal of Islamic Economics, 7(2). https://doi.org/10.29040/jiei.v7i2.2680

Venkatesh, Morris, Davis, & Davis. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425. https://doi.org/10.2307/30036540

Venkatesh, Thong, & Xu. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157. https://doi.org/10.2307/41410412

Wetzels, Odekerken-Schröder, & van Oppen. (2009). Using PLS Path Modeling for Assessing Hierarchical Construct Models: Guidelines and Empirical Illustration. MIS Quarterly, 33(1), 177. https://doi.org/10.2307/20




DOI: http://dx.doi.org/10.24042/al-mashrof.v4i2.19981

Refbacks

  • There are currently no refbacks.


Al-Mashrof: Islamic Banking and Finance Indexed by:

Garuda-Garba Rujukan Digitalimage host
DOAJDimensions

 

Al-Mashrof is Islamic Banking and Finance a Journal, Published by the Faculty of Islamic Economics and Business at UIN Raden Intan Lampung - Indonesia. (http://ejournal.radenintan.ac.id/index.php/almashrof/index). This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.