Evaluasi Penerimaan dan Penggunaan Aplikasi Mobile Banking menggunakan Model UTAUT 2
Abstract
This study aims to identify factors in the UTAUT 2 model that significantly influence the acceptance and use of the XYZtouch mobile banking application in Gorontalo City. The research employed a quantitative approach with data from 129 respondents analyzed using PLS-SEM. The results reveal that of the seven independent variables in the UTAUT 2 model, only three variables significantly influence behavioral intention: social influence (β=0.133, p<0.05), hedonic motivation (β=0.153, p<0.05), and habit (β=0.374, p<0.001). Meanwhile, performance expectancy, effort expectancy, facilitating conditions, and price value do not have significant effects. Based on these findings, the study recommends the adoption of enhancement strategies focusing on strengthening social influence, developing the hedonic aspects of the application, and establishing usage habits. This research contributes to validating the UTAUT 2 model for the context of regional bank mobile banking in Indonesia.
Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor dalam model UTAUT 2 yang secara signifikan mempengaruhi penerimaan dan penggunaan aplikasi mobile banking XYZtouch di Kota Gorontalo. Penelitian menggunakan pendekatan kuantitatif dengan data dari 129 responden yang dianalisis menggunakan PLS-SEM. Hasil penelitian menunjukkan bahwa dari tujuh variabel independen dalam model UTAUT 2, hanya tiga variabel yang berpengaruh signifikan terhadap behavioral intention, yaitu social influence (β=0,133, p<0,05), hedonic motivation (β=0,153, p<0,05), dan habit (β=0,374, p<0,001). Sementara performance expectancy, effort expectancy, facilitating conditions, dan price value tidak berpengaruh signifikan. Berdasarkan temuan ini, direkomendasikan strategi peningkatan adopsi yang berfokus pada penguatan pengaruh sosial, pengembangan aspek hedonis aplikasi, dan pembentukan kebiasaan penggunaan. Penelitian ini berkontribusi dalam validasi model UTAUT 2 untuk konteks mobile banking bank regional di Indonesia
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DOI: https://doi.org/10.37905/jji.v6i2.25973
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