Penerapan Model Modifikasi UTAUT2: Perceived Risk dalam Analisis Faktor-faktor yang Berpengaruh Terhadap Niat Penggunaan Bank Digital Jago

Tarina Putri Amelia(1*), Dedy Kurniawan(2),

(1) Universitas Sriwijaya, Palembang, Indonesia
(2) Universitas Sriwijaya, Palembang, Indonesia
(*) Corresponding Author

Abstract


Digital banking is one of the digital transformations in the banking sector that is still relatively new in Indonesia. However, digital bank users are still far away when compared to conventional banks that have physical offices. Bank Jago is one example of a digital bank in Indonesia. This study aims to determine the factors that influence the intention to use Jago digital bank technology. The Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) conceptual model is used in this study by adding the Perceived Risk variable. Data collection was carried out by distributing questionnaires through social media (Twitter and Instagram) with the criteria that respondents were users or had used the Jago application. Data analysis was carried out using the Partial Least Squares Path Modeling (PLS-SEM) method. The results showed that the intention to use the Jago digital bank was significantly influenced by hedonic motivation, habit, performance expectancy, price value, and perceived risk; while effort expectancy, facilitating conditions, and social influence did not have a significant influence on the intention to use Bank Jago

Full Text:

PDF

References


M. Danuri, M. Informatika, J. Teknologi, And C. Semarang, “Perkembangan Dan Transformasi Teknologi Digital.” Accessed: Feb. 09, 2024. [Online]. Available: Https://Amikjtc.Com/Jurnal/Index.Php/Jurnal/Article/View/178/155

R. A. Syafri, “Transformasi Digital Perbankan Dan Dampaknya Terhadap Perekonomian,” Buletin Apbn. Accessed: Feb. 09, 2024. [Online]. Available: Https://Berkas.Dpr.Go.Id/Puskajianggaran/Kajian/File/Kajian-64.Pdf

R. I. T. Linggadjaya, B. Sitio, And P. Situmorang, “Transformasi Digital Pt Bank Jago Tbk Dari Bank Konvensional Menjadi Bank Digital,” International Journal Of Digital Entrepreneurship And Business, Vol. 3, No. 1, Pp. 9–22, Feb. 2022, Doi: 10.52238/Ideb.V3i1.76.

Jago, “Jago.Com.” Accessed: Feb. 09, 2024. [Online]. Available: Https://Www.Jago.Com/Id/Company-Info

A. Ferdianto, “Jumlah Pengguna Bca Mobile Capai 26,6 Juta Di 2022,” Kontan.Co.Id. Accessed: Feb. 09, 2024. [Online]. Available: Https://Keuangan.Kontan.Co.Id/News/Jumlah-Pengguna-Bca-Mobile-Capai-266-Juta-Di-2022/#Google_Vignette

Jago, “Bank Jago Lanjutkan Tren Pertumbuhan Berkualitas,” Jago. Accessed: Feb. 09, 2024. [Online]. Available: Https://Www.Jago.Com/Id/Media-Center/Press-Release/Bank-Jago-Lanjutkan-Tren-Pertumbuhan-Berkualitas

M. T. Hidayat, Q. Aini, And E. Fetrina, “Penerimaan Pengguna E-Wallet Menggunakan Utaut 2 (Studi Kasus) (User Acceptance Of E-Wallet Using Utaut 2-A Case Study),” 2020. Doi: 10.22146/.V9i3.227.

N. Z. Hosein, “Internet Banking: An Empirical Study Of Adoption Rates Among Midwest Community Banks,” 2009. Doi: 10.19030/Jber.V7i11.2355.

A. A. H. Zaid Kilani, D. F. Kakeesh, G. A. Al-Weshah, And M. M. Al-Debei, “Consumer Post-Adoption Of E-Wallet: An Extended Utaut2 Perspective With Trust,” Journal Of Open Innovation: Technology, Market, And Complexity, Vol. 9, No. 3, Sep. 2023, Doi: 10.1016/J.Joitmc.2023.100113.

A. A. Alalwan, Y. K. Dwivedi, N. P. Rana, And R. Algharabat, “Examining Factors Influencing Jordanian Customers’ Intentions And Adoption Of Internet Banking: Extending Utaut2 With Risk,” Journal Of Retailing And Consumer Services, Vol. 40, Pp. 125–138, Jan. 2018, Doi: 10.1016/J.Jretconser.2017.08.026.

M. K. Gharaibeh, M. R. M. Arshad, And N. K. Gharaibh, “Using The Utaut2 Model To Determine Factors Affecting Adoption Of Mobile Banking Services: A Qualitative Approach,” International Journal Of Interactive Mobile Technologies, Vol. 12, No. 4, Pp. 123–134, 2018, Doi: 10.3991/Ijim.V12i4.8525.

C. Martins, T. Oliveira, And A. Popovič, “Understanding The Internet Banking Adoption: A Unified Theory Of Acceptance And Use Of Technology And Perceived Risk Application,” Int J Inf Manage, Vol. 34, No. 1, Pp. 1–13, 2014, Doi: 10.1016/J.Ijinfomgt.2013.06.002.

E. K. Penney, J. Agyei, E. K. Boadi, E. Abrokwah, And R. Ofori-Boafo, “Understanding Factors That Influence Consumer Intention To Use Mobile Money Services: An Application Of Utaut2 With Perceived Risk And Trust,” Sage Open, Vol. 11, No. 3, 2021, Doi: 10.1177/21582440211023188.

V. Venkatesh, S. M. Walton, And J. Y. L. Thong, “Quarterly Consumer Acceptance And Use Of Information Technology: Extending The Unified Theory Of Acceptance And Use Of Technology1.” [Online]. Available: Http://About.Jstor.Org/Terms

H. Alkadri, K. Kunci, I. Sekolah, K. Kepala Sekolah, And K. Guru, “Kontribusi Iklim Sekolah Dan Kepemimpinan Kepala Sekolah Terhadap Kinerja Guru Sekolah Dasar,” 2020. Doi: 10.31004/Basicedu.V4i2.381.

D. Firmansyah, S. Pasim Sukabumi, And S. Al Fath Sukabumi, “Teknik Pengambilan Sampel Umum Dalam Metodologi Penelitian: Literature Review,” Jurnal Ilmiah Pendidikan Holistik (Jiph), Vol. 1, No. 2, Pp. 85–114, Doi: 10.55927.

N. Suryani, Ms. Jailani, N. Suriani, R. Raden Mattaher Jambi, And U. Sulthan Thaha Saifuddin Jambi, “Konsep Populasi Dan Sampling Serta Pemilihan Partisipan Ditinjau Dari Penelitian Ilmiah Pendidikan.” Doi: 10.61104/Ihsan.V1i2.55.

R. Nur Amalia, R. Setia Dianingati, And E. Annisaa, “Pengaruh Jumlah Responden Terhadap Hasil Uji Validitas Dan Reliabilitas Kuesioner Pengetahuan Dan Perilaku Swamedikasi,” Generics : Journal Of Research In Pharmacy Accepted : 4 Mei, Vol. 2, No. 1, 2022.

T. Evi And W. Rachbini, “Partial Least Squares (Teori Dan Praktek).” Accessed: Feb. 09, 2024. [Online]. Available: Http://Tahtamedia.Co.Id/Index.Php/Issj/Article/View/152

Y. Febrianawati, “Uji Validitas Dan Reliabilitas Instrumen Penelitian Kuantitatif,” Januari-Juni, Vol. 7, No. 1, Pp. 17–23, 2018.

M. Sholihin And D. Ratmono, Analisis Sem-Pls Dengan Warppls 7.0 Untuk Hubungan Nonlinier Dalam Penelitian Sosial Dan Bisnis, 1st Ed. 2020.

H. Donan, E. S. N. S. Negara, T. Sutabri, And F. Firdaus, “Analysis Of Behavioral Use Of Academic Information Systems With The Implementation Of Utaut 2 Integration At The Muhammadi-Palembang Institute Of Health Science And Technology,” Jurnal Sisfokom (Sistem Informasi Dan Komputer), Vol. 12, No. 3, Pp. 462–470, Nov. 2023, Doi: 10.32736/Sisfokom.V12i3.1978.




DOI: http://dx.doi.org/10.30645/jurasik.v9i1.715

DOI (PDF): http://dx.doi.org/10.30645/jurasik.v9i1.715.g690

Refbacks

  • There are currently no refbacks.



JURASIK (Jurnal Riset Sistem Informasi dan Teknik Informatika)
Published Papers Indexed/Abstracted By:

Jumlah Kunjungan : View My Stats