ANALISA FAKTOR YANG MEMPENGARUHI PENGGUNAAN LAYANAN MOBILE BANKING DENGAN MENGGUNAKAN MODEL UTAUT (UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY)
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kondisi yang memfasilitasi perilaku, niat perilaku, dan perilaku penggunaan, serta ekspektasi kinerja, ekspektasi upaya, dan pengaruh sosial.
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Abstract
By using the UTAUT (Unified Theory of Acceptance and Use of Technology) model, this study aims to investigate and analyze the factors that influence the utilization of mobile banking services. In this study, the question whether performance expectancy, effort expectancy, social influence, and facilitating conditions influence behavior intention and behavior intention on use behavior is the formulation of the problem. use). Positive performance expectation is significant to behavioral intention, positive effort expectation is not significant to behavioral intention, positive social influence is not significant to behavioral intention, facilitation condition is positively significant to behavioral intention, and behavioral intention has a significant positive influence to usage behavior, based on the analysis results SEM (Structural Equation Model).
Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis faktor-faktor yang mempengaruhi pemanfaatan layanan mobile banking dengan menggunakan model UTAUT (Unified Theory of Acceptance and Use of Technology). Rumusan masalah dalam penelitian ini adalah apakah performance expectancy, effort expectancy, social influence, dan facilitating conditions mempengaruhi behavior intention dan mempengaruhi behavior intention pada use behavior. menggunakan). Menurut hasil analisis SEM (Structural Equation Model), niat perilaku memiliki pengaruh positif signifikan terhadap perilaku penggunaan, sedangkan harapan upaya positif tidak berhubungan signifikan dengan niat perilaku, pengaruh sosial positif tidak berhubungan signifikan dengan niat perilaku, dan kondisi fasilitasi adalah berhubungan positif dengan niat perilaku.
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