ADOPTION OF USER SATISFACTION WITH THE UTAUT2 MODEL IN USING INDONESIA SHARIA MOBILE BANKING
DOI:
https://doi.org/10.32332/finansia.v7i1.8165Keywords:
Mobile Banking Syariah, User Satisfaction, UTAUT2, PLS-SEMAbstract
Indonesia has a large number of internet users, which at the very least indicates its enormous digital potential. Banks and other financial institutions are benefiting from improved digital offerings. This study strengthens literacy and inclusion as an effective strategy for strengthening the effects of the integrated UTAUT2 construct model with user satisfaction using Islamic mobile banking applications. Quantitative research type, with a research sample of 206 respondents as the primary data source using a questionnaire survey. Data analysis using partial regression analysis (PLS-SEM). The results prove that several factors have a positive and significant effect, namely the variables of behavioral intention, facilitating conditions, habit on user behavior and habit, hedonic motivation, and user satisfaction on behavioral intention. On the other hand, some variables do not affect, namely the variables of performance expectancy, effort expectancy, facilitating conditions, price value, and social influence on behavioral intention.
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References
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Hammouri, Qais., Aloqool, Abdalrazzaq., Saleh, Besan Abdallah., Aldossary, Hadeel., Frejat, Saleh Yahya Al., Halim, Mona., Almajali, Dmaithan Abdelkarim., Al-Gasawneh, Jassim Ahmad., And Darawsheh, Sad Dam Rateb. “An Empirical Investigation On Acceptance Of E-Wallets In The Fintech Era In Jordan: Extending UTAUT2 Model With Perceived Trust.” International Journal Of Data And Network Science, Vol. 7, No. 3, 2023. https://doi.org/10.5267/j.ijdns.2023.4.013.
Iqbal, Javed., And Idress, Muhammad. “Understanding The IOT Adoption For Home Automation In The Perspective Of UTAUT2.” Global Business Review, 2022. https://doi.org/10.1177/09721509221132058.
Kim, Hun., And Chang, Byenghee. “A Study On The Effects Of Crowdfunding Values On The Intention To Visit Local Festivals: Focusing On Mediating Effects Of Perceived Risk And E-WOM.” Sustainability (Switzerland), Vol. 12, No. 8, 2020. https://doi.org/10.3390/SU12083264.
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Penney, Emmanuel Kofi., Agyei, James., Boadi, Eric Kofi., Abrokwah, Eugene., And Ofori-Boafo, Richmond. “Understanding Factors That Influence Consumer Intention To Use Mobile Money Services: An Application Of UTAUT2 With Perceived Risk And Trust.” SAGE Open, Vol. 11, No. 3, 2021. https://doi.org/10.1177/21582440211023188.
Pohan, Rahma. “Faktor-Faktor Yang Mempengaruhi Penggunaan Mobile Banking Pada Layanan BSI Mobile Dengan Menggunakan Model Unified Theory Of Acceptance And Use Of Technology (UTAUT).” Jurnal Manajemen Akuntansi (JUMSI), Vol. 3, 2023.
Sumarsono, Pragusto., Anggit, Anggit., Surbakti, Mhd Handika., Huda, Nurul., And Rini, Nova. “Faktor-Faktor Yang Mempengaruhi Kepuasan Dan Keputusan Bertransaksi Nasabah Pengguna Mandiri Syariah Mobile (Msm).” Jurnal Tabarru’: Islamic Banking And Finance, Vol. 3, No. 2, 2020. https://doi.org/10.25299/jtb.2020.vol3(2).5812.
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Raza, Syed Ali., Shah, Nida., And Ali, Muhammad. “Acceptance Of Mobile Banking In Islamic Banks: Evidence From Modified UTAUT Model.” Journal Of Islamic Marketing, Vol. 10, No. 1, 2019. https://doi.org/10.1108/JIMA-04-2017-0038.
Rohman, Abdul. “Implementasi Model Utaut Pada Industri Perbankan Di Indonesia.” Kajian Branding Indonesia, Vol. 4, No. 1, 2022. https://doi.org/10.21632/kbi.4.1.60-69.
Santoso, Argani Arief., And Rachmawati, Indira. “Analisis Minat Pengguna Layanan M-Banking Livin’ By Mandiri Di Indoneisa Menggunakan Model Modiffikasi UTAUT 2.” E-Proceeding Of Management, Vol. 8, No. 5, 2021.
Sharma, Disha., And Vaid, Yashwant Kumar. “Factors Affecting M-Payment Adoption In Millenials – Testing Extended UTAUT2 Model.” Thailand And The World Economy, Vol. 41, No. 2, 2023.
Suzuki, Yasushi., And Miah, Mohammad Dulal. Digital Transformation In Islamic Finance. London: Routledge, 2022.
Syahza, Almasdi. Metodologi Penelitian. Pekanbaru: UR Press, 2021.
Tamilmani, Kuttimani., Rana, Nripendra P., Wamba, Samuel Foss., And Dwivedi, Rohita. “The Extended Unified Theory Of Acceptance And Use Of Technology (UTAUT2): A Systematic Literature Review And Theory Evaluation.” International Journal Of Information Management, Vol. 57, 2021. https://doi.org/10.1016/j.ijinfomgt.2020.102269.
Thomas, C George. Research Methodology And Scientific Writing. Cham: Springer International Publishing, 2021.
Yaseen, Saad G., Ali, Ihab., Qirem, El., And Dajani, Dima. “Islamic Mobile Banking Smart Services Adoption And Use In Jordan.” ISRA International Journal Of Islamic Finance, Vol. 14, No. 3, 2022. https://doi.org/10.1108/IJIF-04-2021-0065.
Zhang, Yi Bo., Zhang Lin Lin., And Kim, Ha Kyun. “The Effect Of UTAUT2 On Use Intention And Use Behavior In Online Learning Platform.” Journal Of Logistics, Informatics And Service Science, Vol. 8, No. 1, 2021. https://doi.org/10.33168/LISS.2021.0105.
Abdi, Herve., Vinzi, Vincenzo Esposito., Russolillo, Giorgio., And Saporta, Gilbert. The Multiple Facets Of Partial Least Squares And Related Methods. Paris: Springer International Publishing, 2016.
Al-Fahim, Nabil Hussein., Abdulgafor, Rawad., And Qaid, Edres Hamood. “Determinants Of Banks’ Costumer’s Intention To Adopt Internet Banking Services In Yemen: Using The Unified Theory Of Acceptance And Use Of Technology (UTAUT).” International Congress Of Advanced Technology And Engineering, ICOTEN 2021, 2021. https://doi.org/10.1109/ICOTEN52080.2021.9493448.
Anandia, Fadhil Bima. Analisis Penerapan Model Penerimaan Teknologi UTAUT2 Terhadap Penggunaan Mobile Banking Pada Bank Syariah: Studi Kasus Pada Kota Surabaya 2022. Jawa Timur: Universitas Islam Negeri Maulana Malik Ibrahim, 2022.
Anandia, Fadhil Bima., And Esy Nur Aisyah. “Analisis Penerapan Model UTAUT2 Terhadap Penggunaan Mobile Banking Pada Bank Syariah.” Management Studies And Entrepreneurship, Vol. 4, 2023. https://doi.org/10.37385/msej.v4i1.1268.
Onibala, Anggreiny A., Rindengan, Yaulie., And Lumenta, Arie S. “Analisis Penerapan Model UTAUT2 Terhadap E-Kinerja Pada Pemerintah Provinsi Sulawesi Utara.” E-Journal Teknik Informatika, Vol. 2, 2021.
Aranyossy, Marta. “Technology Adoption In The Digital Entertainment Industry During The COVID-19 Pandemic: An Extended UTAUT2 Model For Online Theater Streaming.” Informatics, Vol. 9, No. 3, 2022. https://doi.org/10.3390/informatics9030071.
Axcell, Shana, And Debbie Ellis. “Exploring The Attitudes And Behavior Of Gen Z Students Towards Branded Mobile Apps In An Emerging Market: UTAUT2 Model Extension.” Young Consumers, Vol. 24, No. 2, 2023. https://doi.org/10.1108/YC-03-2022-1491.
Aziz, Abdul., Yazid, Muhammad., Kurnia, Rahmat., Azlina, Nur., Fauzi, Muhamad., Haq, Fadhli Fathul., Dan Sukardi, Budi. Ekonomi Digital Dan Sistem Ekonomi Islam. Yogyakarta: Jejak Pustaka, 2023.
Bawono, Anton., And Saputra, Yudi. “Intention To Use Crowdfunding-Waqf Model (Cwm) Among Muslim Gen-Z In Indonesia: Role Of Religious Orientation Using Extended Utaut2.” Journal Of Economic Cooperation And Development, Vol. 44, No. 1, 2023.
Bouteraa, Mohamed., Hisham, Raja Rizal Iskandar Raja., And Zainol, Zairani. “Challenges Affecting Bank Consumers’ Intention To Adopt Green Banking Technology In The UAE: A UTAUT-Based Mixed-Methods Approach.” Journal Of Islamic Marketing, Vol. 14, No. 10, 2023. https://doi.org/10.1108/JIMA-02-2022-0039.
Creswell, John W. Educational Research-Planning, Conducting, And Evaluating Quantitative And Qualitative Research. Lincoln: Pearson Education, 2015.
Keuangan, Otoritas Jasa. “Laporan Perkembangan Keuangan Syariah Indonesia 2022.” https://ojk.go.id/id/kanal/syariah/data-dan-statistik/laporan-perkembangan-keuangan-syariah-indonesia/default.aspx, Retrieved February 21, 2024.
Duryadi, Duryadi. Metode Penelitian Ilmiah: Metode Penelitian Empiris Model Path Analysis Dan Analisis Smartpls. Semarang: Yayasan Prima Agus Teknik, 2021.
Barbosa, Helena Ferreira., Garcia-Fernandez, Jeronimo., Pedragosa, Vera., And Cepeda-Carrion, Gabriel. “The Use Of Fitness Centre Apps And Its Relation To Customer Satisfaction: A UTAUT2 Perspective.” International Journal Of Sports Marketing And Sponsorship, Vol. 23, No. 5, 2022. https://doi.org/10.1108/IJSMS-01-2021-0010.
Hair, Joseph F., Hult, G. Tomas M., Ringle, Christian M., Sarstedt, Marko., Danks, Nicholas P., And Ray, Soumya. Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R. Sage. Classroom Companion: Business. Cham: Springer International Publishing, 2021.
Hair, Joseph F., Risher, Jeffrey J., Sarstedt, Marko., And Ringle, Christian M. “When To Use And How To Report The Results Of PLS-SEM.” European Business Review, Vol. 31, No. 1, 2019. https://doi.org/10.1108/EBR-11-2018-0203.
Hair, Joseph F., Hult, G. Tomas M., Ringle, Christian M., And Sarstedt, Marko. A Primer On Partial Least Squares Structural Equation Modeling (PLS-SEM). Los Angeles: SAGE Publications, 2017.
Hamid, Rahmad Solling., Dan Anwar, Suhardi M. Structural Equation Modelling (SEM) Berbasis Varian: Aplikasi Dengan Program Smartpls 3.2.8. Jakarta Pusat: PT. Inkubator Penulis Indonesia, 2019.
Hammouri, Qais., Aloqool, Abdalrazzaq., Saleh, Besan Abdallah., Aldossary, Hadeel., Frejat, Saleh Yahya Al., Halim, Mona., Almajali, Dmaithan Abdelkarim., Al-Gasawneh, Jassim Ahmad., And Darawsheh, Sad Dam Rateb. “An Empirical Investigation On Acceptance Of E-Wallets In The Fintech Era In Jordan: Extending UTAUT2 Model With Perceived Trust.” International Journal Of Data And Network Science, Vol. 7, No. 3, 2023. https://doi.org/10.5267/j.ijdns.2023.4.013.
Iqbal, Javed., And Idress, Muhammad. “Understanding The IOT Adoption For Home Automation In The Perspective Of UTAUT2.” Global Business Review, 2022. https://doi.org/10.1177/09721509221132058.
Kim, Hun., And Chang, Byenghee. “A Study On The Effects Of Crowdfunding Values On The Intention To Visit Local Festivals: Focusing On Mediating Effects Of Perceived Risk And E-WOM.” Sustainability (Switzerland), Vol. 12, No. 8, 2020. https://doi.org/10.3390/SU12083264.
Keuangan, Otoritas Jasa. “Siaran Pers Survei Nasional Literasi Dan Inklusi Keuangan Tahun 2022.” https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx, Retrieved February 21, 2024.
Penney, Emmanuel Kofi., Agyei, James., Boadi, Eric Kofi., Abrokwah, Eugene., And Ofori-Boafo, Richmond. “Understanding Factors That Influence Consumer Intention To Use Mobile Money Services: An Application Of UTAUT2 With Perceived Risk And Trust.” SAGE Open, Vol. 11, No. 3, 2021. https://doi.org/10.1177/21582440211023188.
Pohan, Rahma. “Faktor-Faktor Yang Mempengaruhi Penggunaan Mobile Banking Pada Layanan BSI Mobile Dengan Menggunakan Model Unified Theory Of Acceptance And Use Of Technology (UTAUT).” Jurnal Manajemen Akuntansi (JUMSI), Vol. 3, 2023.
Sumarsono, Pragusto., Anggit, Anggit., Surbakti, Mhd Handika., Huda, Nurul., And Rini, Nova. “Faktor-Faktor Yang Mempengaruhi Kepuasan Dan Keputusan Bertransaksi Nasabah Pengguna Mandiri Syariah Mobile (Msm).” Jurnal Tabarru’: Islamic Banking And Finance, Vol. 3, No. 2, 2020. https://doi.org/10.25299/jtb.2020.vol3(2).5812.
Priadana, Sidik., And Sunarsi, Denok. Metode Penelitian Kuantitatif. Tangerang: Pascal Books, 2021.
Purwianti, Lily., And Tio, Karen. “Faktor-Faktor Yang Mempengaruhi Behavioral Intention.” Jurnal Manajemen Maranatha, Vol. 17, No. 1, 2017. https://doi.org/10.28932/jmm.v17i1.415.
Kosim, Krisananda Putera., And Legowo, Nilo. “Factors Affecting Consumer Intention On QR Payment Of Mobile Banking: A Case Study In Indonesia.” Journal Of Asian Finance, Vol. 8, No. 5, 2021. https://doi.org/10.13106/jafeb.2021.vol8.no5.0391.
Putra, M. Adriansyah Alam., Huda, M. Qomarul., And Fetrina, Elvi. “An Evaluation Of E-Money Products Using UTAUT 2 Model (The Case Of Bank Mandiri).” 2019 7th International Conference On Cyber And IT Service Management, CITSM 2019, 2019. https://doi.org/10.1109/CITSM47753.2019.8965424.
Putri, Yura Karlinda Wiasa., Devi, Ni Luh Nyoman Sherina., And Santhi, IA Rayhita. “Faktor-Faktor Yang Mempengaruhi Penggunaan M-Banking Pada Penerapan Model UTAUT 2.” Remik, Vol. 7, No. 1, 2023. https://doi.org/10.33395/remik.v7i1.12025.
Raza, Syed Ali., Shah, Nida., And Ali, Muhammad. “Acceptance Of Mobile Banking In Islamic Banks: Evidence From Modified UTAUT Model.” Journal Of Islamic Marketing, Vol. 10, No. 1, 2019. https://doi.org/10.1108/JIMA-04-2017-0038.
Rohman, Abdul. “Implementasi Model Utaut Pada Industri Perbankan Di Indonesia.” Kajian Branding Indonesia, Vol. 4, No. 1, 2022. https://doi.org/10.21632/kbi.4.1.60-69.
Santoso, Argani Arief., And Rachmawati, Indira. “Analisis Minat Pengguna Layanan M-Banking Livin’ By Mandiri Di Indoneisa Menggunakan Model Modiffikasi UTAUT 2.” E-Proceeding Of Management, Vol. 8, No. 5, 2021.
Sharma, Disha., And Vaid, Yashwant Kumar. “Factors Affecting M-Payment Adoption In Millenials – Testing Extended UTAUT2 Model.” Thailand And The World Economy, Vol. 41, No. 2, 2023.
Suzuki, Yasushi., And Miah, Mohammad Dulal. Digital Transformation In Islamic Finance. London: Routledge, 2022.
Syahza, Almasdi. Metodologi Penelitian. Pekanbaru: UR Press, 2021.
Tamilmani, Kuttimani., Rana, Nripendra P., Wamba, Samuel Foss., And Dwivedi, Rohita. “The Extended Unified Theory Of Acceptance And Use Of Technology (UTAUT2): A Systematic Literature Review And Theory Evaluation.” International Journal Of Information Management, Vol. 57, 2021. https://doi.org/10.1016/j.ijinfomgt.2020.102269.
Thomas, C George. Research Methodology And Scientific Writing. Cham: Springer International Publishing, 2021.
Yaseen, Saad G., Ali, Ihab., Qirem, El., And Dajani, Dima. “Islamic Mobile Banking Smart Services Adoption And Use In Jordan.” ISRA International Journal Of Islamic Finance, Vol. 14, No. 3, 2022. https://doi.org/10.1108/IJIF-04-2021-0065.
Zhang, Yi Bo., Zhang Lin Lin., And Kim, Ha Kyun. “The Effect Of UTAUT2 On Use Intention And Use Behavior In Online Learning Platform.” Journal Of Logistics, Informatics And Service Science, Vol. 8, No. 1, 2021. https://doi.org/10.33168/LISS.2021.0105.
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2024-04-20
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ADOPTION OF USER SATISFACTION WITH THE UTAUT2 MODEL IN USING INDONESIA SHARIA MOBILE BANKING. (2024). FINANSIA : Jurnal Akuntansi Dan Perbankan Syariah, 7(1), 21-40. https://doi.org/10.32332/finansia.v7i1.8165
