Behaviour Intention of Digital Banking Adoption UTAUT2 and Covid-19 Pandemic as Factors

This research studied the behaviour intention (BI) of adoption digital banking using UTAUT2 and covid-19 pandemics as factors with sex and type of digital banking as control variables and the relations were moderated by education and frequency of using digital banking. The locus was DKI Jakarta. The total samples were 329 and used purposive methos as sampling procedure. Data analysis used regression analysis with the help of SPSS 26.0 software, The factors that influence significantly were Effort Expectancy, Social Influence, Hedonic Motivation, Price Value and Habit. Only the Effort expectancy factor had a negative influence. While the Performance Expectancy factor and Facilitating conditions in using digital banking did not have a significant effect. Covid-19 Pandemic with three indicators also did not affect BI. Adopting digital banking in the end of second year of pandemic era already became a new norm. Sex (female, male) and Digital banking type (mobile banking, internet banking or both) were proven as control variables. Frequency of using digital banking moderated Social Influence, Hedonic Motivation, Price Value and Habit towards behaviour intention in using digital banking. Education background moderated Hedonic Motivation to behaviour intention and Habit to behaviour intention of adoption mobile banking by the residents of DKI Jakarta. Keywords: Digital Banking, Utaut2, Behaviour Intentions, Covid-19 Pandemic, Moderating variable