FAKTOR-FAKTOR PENENTU PENGGUNAAN BSI MOBILE MENGGUNAKAN MODEL UNIFIED THEORY OF ACCEPTANCE AND USE TECHNOLOGY 2 (UTAUT2)

Della Suhanda Putri; Hesi Eka Puteri

doi:10.36989/didaktik.v11i03.8405

Della Suhanda Putri Fakultas Ekonomi Dan Bisnis Syariah UIN Syech M. Djamil Djambek
Hesi Eka Puteri Fakultas Ekonomi Dan Bisnis Syariah UIN Syech M. Djamil Djambek

DOI: https://doi.org/10.36989/didaktik.v11i03.8405

Keywords: BSI Mobile, UTAUT2, Behavioral Intention, Behavioral Usage, Islamic Mobile Banking

Abstract

The rapid development of information technology drives digital transformation in various sectors, including banking. Bank Syariah Indonesia (BSI) responded to this trend by presenting the BSI Mobile service as a form of digitalization of Islamic banking. However, out of a total of 19.2 million BSI customers, only around 6.3 million are recorded as using the mobile banking service. This low adoption rate indicates the need for further understanding of the factors that influence the use of BSI Mobile. This study aims to examine the determinants of BSI Mobile usage using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model, which consists of the variables Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Price Value, and Habit, as well as two dependent variables, namely Behavioral Intention and Behavioral Usage. The study was conducted with a quantitative approach using a survey method of 100 BSI Mobile user respondents in the Bukittinggi area. The data analysis technique used Structural Equation Modeling-Partial Least Square (SEM-PLS) with the help of SmartPLS 4.0 software. The results of the study indicate that performance expectancy, social influence, habit have a significant effect on behavioral intention which in turn has a significant effect on behavioral usage to use BSI Mobile. Meanwhile, Facilitating conditions and habits have a significant effect on behavioral usage. For effort expectancy, facilitating conditions, hedonic motivation, price value do not have a significant effect on behavioral intention and behavioral usage. These findings are expected to be a reference for banks in improving more effective and efficient digitalization service strategies, especially in Islamic banking.

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