Analisis adopsi teknologi branchless banking pt bank rakyat indonesia (persero) tbk oleh agen brilink dengan model utaut 2

PT. Bank Rakyat Indonesia (Persero) Tbk, or BRI has applied branchless banking technology since 2013 which known as BRILink. Since launched, BRILink contribution hasn’t fullfilled BRI’s management expectation. It’s must be minimum 200 transactions or equal to Rp. 400.000 – Rp. 1.000.000 comission generated by each BRILink Agent a month to meet the breakevent calculation on business. The character of agen which is low utilization the branchless banking technology was predicted as the main factor caused slow technology adoption. This research aim is to investigate factors that affected to behavioral intense to use and use behavior agent in adopting branchless banking technology. This research focused to active agent who generate comission above Rp. 1.000.000 per month, becaused they are predicted as active agent. Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) approach apllied in this research. The data collected by spreaded online quetionaire survey link to BRILink population at Kantor Wilayah BRI Semarang and resulted 205 feedback from respondents. This research design is quantitative descriptive with cross sectional survey and the data analized using structural equation model (SEM) running with SmartPLS v.3.2.7 program. The result show that effort expectancy and social influence significantly influence at 10% confident the behavioral intention to use and use behavior of BRILink technology. Otherwise, the others factor such as performance expectancy, facilitating conditions, hedonic motivation, price and habit aren’t significant influence to the behavioral intention to use use behavior of BRILink technology. In order to accerelate the adoption of branchless banking technology by BRILink agent support all BRI’s employee are needed. They have to do massive socialization and education the ease utilization branchless banking features. And also, BRI have to review the ease utilization branchless banking both existing or next developed features. The author recommendation on this research is to have advanced research focusing at low transaction agen group. That can investigate the slow adopting BRILink technology factors by agent