Analisis faktor-faktor yang mempengaruhi niat dan perilaku penggunaan mobile banking dengan pendekatan model UTAUT2

The percentage of mobile banking users is currently lower than the number of active internet users with smartphones in Indonesia. The current study extends the Unified Theory of Acceptance and Use of Technology2 (UTAUT2) by adding two important factors, perceived risk and observability. The purpose of this study is to investigate the factors influencing behavioural intention and use behaviour of mobile banking by customers of Indonesian serta menyarankan langkah-langkah yang dapat dipergunakan untuk meningkatkan niat penggunaan mobile banking berdasarkan model penelitian, and suggest steps that can be used to increase the intention to use mobile banking based on a research model. Data was collected by conducting an online survey questionnaire completed by 360 respondents. The authors analysed the model through structural equation modelling LISREL, IPA and MSA. The results showed observability, performance expectation, hedonic motivation, facilitating conditions as positive and significant of behavioral intentions. The perceived risk, and price value indicated negative and significant in explaining behavioral intention. Behavioral intention and experience has positive and significant to use behavior mobile banking. The gender variable gives a significant influence on the latent variables that exist in the acceptance model, while the age variable does not significantly influence the level of behavioral intention and use behavior of mobile banking