Analisis Model Penerimaan Teknologi Mobile Banking Menggunakan Unified Theory Of Acceptance And Use Of Technology 2 (UTAUT2)

Putra, Additya Dian Eko (2025) Analisis Model Penerimaan Teknologi Mobile Banking Menggunakan Unified Theory Of Acceptance And Use Of Technology 2 (UTAUT2). Masters thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Penelitian ini berfokus pada pengukuran faktor-faktor yang mempengaruhi minat dan adopsi pengguna terhadap layanan mobile banking Bank Muamalat, yang di sebut Muamalat DIN, dengan enggunakan model Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) yang ditambahkan variabel Perceived Risk. Layanan mobile banking di Indonesia telah mengalami pertumbuhan pesat, didorong oleh perkembangan teknologi digital dan meningkatnya penggunaan smartphone, Bank Muamalat juga mengembangkan teknologi mobile banking yang di kenal dengan nama Muamalat DIN, namun di tengah tren ini, pertumbuhan pengguna Muamalat DIN di Bank Muamalat cabang Batam masih tergolong rendah jika dibandingkan dengan total nasabah individu Bank Muamalat secara keseluruhan. Penelitian ini melibatkan 150 responden dan menggunakan teknik analisis data Structural Equation Modeling (SEM) dengan SmartPLS untuk mengidentifikasi faktor-faktor yang berperan dalam peningkatan minat dan adopsi layanan tersebut. Hasil penelitian ini menunjukkan bahwa faktor Hedonic Motivation, Price Value, Effort Expectancy dan Social Influence memiliki pengaruh signifikan terhadap Behavioural Intention, sedangkan Behavioural Intention, Facilitating Conditions dan Habit berpengaruh signifikan terhadap Adoption. Di sisi lain, Perceived Risk tidak memiliki pengaruh signifikan terhadap Behavioural Intention. Temuan ini memberikan implikasi manajerial bagi Bank Muamalat untuk meningkatkan adopsi Muamalat DIN melalui penyempurnaan fitur yang lebih mudah digunakan, strategi pemasaran berbasis pengaruh sosial, serta peningkatan nilai manfaat layanan. Selain itu, hasil penelitian ini diharapkan dapat memperkaya literatur penerimaan teknologi, khususnya dalam konteks perbankan syariah di Indonesia.
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This study focuses on measuring the factors that influence user interest and adoption of Bank Muamalat's mobile banking service, known as Muamalat DIN, using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model with the addition of the Perceived Risk variable. Mobile banking services in Indonesia have experienced rapid growth, driven by advancements in digital technology and the increasing use of smartphones. Bank Muamalat has also developed mobile banking technology known as Muamalat DIN. However, amidst this trend, the growth of Muamalat DIN users at Bank Muamalat's Batam branch remains relatively low compared to the total number of individual customers of Bank Muamalat as a whole. This study involved 150 respondents and utilized Structural Equation Modeling (SEM) with SmartPLS to identify the factors contributing to increased user interest and Adoption of the service. The results of the study indicate that Hedonic Motivation, Price Value, Effort Expectancy, and Social Influence have a significant influence on Behavioural Intention, while Behavioural Intention, Facilitating Conditions, and Habit significantly influence Adoption. On the other hand, Perceived Risk does not have a significant effect on Behavioural Intention. These findings provide managerial implications for Bank Muamalat to enhance the adoption of Muamalat DIN by improving user-friendly features, implementing marketing strategies based on social influence, and increasing the perceived value of the service. Furthermore, the results of this study are expected to enrich the literature on technology acceptance, particularly in the context of Islamic banking in Indonesia.

Item Type:	Thesis (Masters)
Uncontrolled Keywords:	SEM-PLS, UTAUT2, Mobile banking, Muamalat DI, Mobile banking, Muamalat
Subjects:	T Technology > T Technology (General) > T174 Technological forecasting
Divisions:	Interdisciplinary School of Management and Technology (SIMT) > 61101-Master of Technology Management (MMT)
Depositing User:	Additya Dian Eko Putra
Date Deposited:	02 Feb 2025 03:53
Last Modified:	02 Feb 2025 03:53
URI:	http://repository.its.ac.id/id/eprint/117760

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