Minat Pelajar Muslim Menggunakan Mobile Banking

Syobri Tri Rahmansyah, Heri Sudarsono, Sarastri Mumpuni Ruchba, Indah Susantun

Abstract


The purpose of this research is to analyze the intention of a Muslim student in using mobile banking using the Unifield Theory of Acceptance and Use of Technology 2 (UTAUT2) model approach. This research was conducted in August - September 2022 and the data source for this research was obtained using a survey method with a questionnaire distributed via broadcast to social media. This study uses a quantitative data processing method using SEM PLS (Partial Least Square) analysis with the statistical tool SmartPLS 3.3. The respondents in this study were students on the island of Java who had used mobile banking for at least 1 year. the variables used in this study are Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Hedonic Motivation (HM), Facilitating Conditions (FC), Religiosity (RE), Habit (HB), Behavior Intention ( BI), Use behavior (UB). The results of this study indicate that HB, HM, and RE, have a significant influence on the intention to use mobile banking BI. While EE, FC, PE, and SI are not accepted and have no significant effect on the intention to use mobile banking BI, so that the HB, and intention using BI, has a significant effect on using mobile banking UB while FC is not accepted and has no significant effect on using mobile banking

Keywords


UTAUT 2 , Mobile Banking, Behavior Intention, Use Behavior

Full Text:

PDF

References


Ahyar, H., Maret, U. S., Andriani, H., Sukmana, D. J., Mada, U. G., Hardani, S.Pd., M. S., Nur Hikmatul Auliya, G. C. B., Helmina Andriani, M. S., Fardani, R. A., Ustiawaty, J., Utami, E. F., Sukmana, D. J., & Istiqomah, R. R. (2020). Buku Metode Penelitian Kualitatif & Kuantitatif (Issue March).

Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Algharabat, R. (2018). Examining factors influencing Jordanian customers’ intentions and adoption of internet banking: Extending UTAUT2 with risk. Journal of Retailing and Consumer Services, 40 (October 2017), 125–138. https://doi.org/10.1016/j.jretconser.2017.08.026

Christiono, D. I., & Brahmana, R. K. M. R. (2018). Analisis Pengaruh Performance Expeciancy Terhadap Behavior Intention pada Online Marketplace. Agora, 6(2), 1–6.

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008

Delvia, S. (2019). Mengulas Tolong Menolong Dalam Perspektif Islam. PPKn Dan Hukum, 14(2), 113.

Digital, S. J. F. S. : I. (2019). Pengguna Internet dan Digital Banking Melonjak Karena Faktor Ini. Bareksa.Com. https://www.bareksa.com/berita/berita-ekonomi-terkini/2019-01-26/pengguna-internet-dan-digital-banking-melonjak-karena-faktor-ini

Hadi, S., & Novi, N. (2015). Faktor-Faktor Yang Mempengaruhi Penggunaan Layanan Mobile Banking. Optimum: Jurnal Ekonomi Dan Pembangunan, 5(1), 55. https://doi.org/10.12928/optimum.v5i1.7840

Hafiz A & Mulkan 2020. (2020). Manajemen Strategi Layanan Mobile Banking Prodi Manajemen Dakwah , Fakultas Ilmu Dakwah dan Ilmu Komunikasi , UIN Syarif Hidayatullah , Jakarta

Hendarsyah, D. 2012. (2012). Keamanan Layanan Internet Banking Dalam Transaksi Perbankan. 21(1), 1–9. http://journal.um-surabaya.ac.id/index.php/JKM/article/view/2203

Irwan, Adam, K., Adam, K., Pada, D., Matematika, J., Sains, F., & Teknlogi, D. (2015). Metode Partial Least Square (Pls) dan Terapannya (Studi Kasus: Analisis Kepuasan Pelanggan terhadap Layanan PDAM Unit Camming Kab. Bone). Teknosains, 9(1), 53–68.

Johar, R. S., & Suhartanto, D. (2019). The Adoption of Online Internet Banking in Islamic Banking Industry. IOP Conference Series: Materials Science and Engineering, 662(3). https://doi.org/10.1088/1757-899X/662/3/032032

Lestari, D. (2016). Determinan Minat Penggunaan Mobile Banking. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 4.

Mahande, R. D., & Jasruddin. (2018). UTAUT Model: Suatu Pendekatan Evaluasi Penerimaan E-Learning pada Program Pascasarjana. Jurnal Iqtisaduna, 1(1), 1.

Otoritas Jasa Keuangan. (2018). POJK Nomor 12/POJK.03/2018 Tentang Penyelenggaraan Layanan Perbankan Digital Oleh Bank Umum. Ojk RI, I, 1–55.

Raza, S. A., Shah, N., & Ali, M. (2019). Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), 357–376. https://doi.org/10.1108/JIMA-04-2017-0038

Saputra, D., Adiputra, I., Gharnaditya, D., Budiman, P. C., & Diana, V. (2020). Factors influencing behavioral intention in purchasing groceries through E-commerce XYZ’s virtual store. Proceedings of 2020 International Conference on Information Management and Technology, ICIMTech 2020, August, 81–86. https://doi.org/10.1109/ICIMTech50083.2020.9211278

Sicillia, M., & Yazid, A. (2020). Analisis Dampak Digital Banking Dan Kualitas Pelayanan Terhadap Kepuasan Nasabah Pada Sebuah Bank Swasta. Jurnal Pemasaran Kompetitif, 3(2), 79. https://doi.org/10.32493/jpkpk.v3i2.4520

Siqueira, M. S. S., Nascimento, P. O., & Freire, A. P. (2022). Reporting Behaviour of People with Disabilities in relation to the Lack of Accessibility on Government Websites: Analysis in the light of the Theory of Planned Behaviour. Disability, CBR and Inclusive Development, 33(1), 52–68. https://doi.org/10.47985/dcidj.475

Sriyana, J. dan M. M. (2021). Faktor-Faktor Yang Mempengaruhi Minat Menggunakan Fintech Syariah, 5(1), 47–63.

Sudarsono, H., Kholid, M.N., Trisanty, A., Ash Shidiqie, J. S., & Suseno, P. (2022a). Examining the adoption of mobile banking: Empirical evidence from Indonesian Muslim students. Banks and Bank Systems, 17(2), 138-149. doi:10.21511/bbs.17(2).2022.12

Sudarsono, H., Kholid, M. N., Trisanty, A. & Maisaroh, M. (2022b). The intention of Muslim customers to adopt mobile banking: The case of Islamic banks in Indonesia. Cogent Business & Management, 9 (1), 2154102, doi: 10.1080/23311975.2022.2154102

Sudarsono, H., Afandi, A., & Perdana, A. R. A. (2023). Determinants of Consumer Decisions to Adopt Islamic Banking Services in Indonesia. Amwaluna: Jurnal Ekonomi dan Keuangan Syariah, 7 (1), 144-161. https://doi.org/10.29313/amwaluna.v7i1.8214

Sugiharto, B., Umiyati, I., Sholihah, N. N., Tinggi, S., Ekonomi, I., & Subang, S. (2021). Application of Unified Theory of Acceptance and Use of Technology (Utaut) Model To the Intention To Using Mobile Banking Service. Accounting Research Journal of Sutaatmadja (ACCRUALS, 05, 137–138.

Thaker, M. A. Bin, Allah Pitchay, A. Bin, Mohd Thas Thaker, H. Bin, & Amin, M. F. Bin. (2019). Factors influencing consumers’ adoption of Islamic mobile banking services in Malaysia: An approach of partial least squares (PLS). Journal of Islamic Marketing, 10(4), 1037–1056. https://doi.org/10.1108/JIMA-04-2018-0065

Van Der Heijden, H. (2004). Van der Heijden/Hedonic Information Systems v iiicir c i Iv research n?te User Acceptance of Hedonic information systems1. Source: MIS Quarterly, 28(4), 695–704.

Venkatesh, Viswanath, (2003). (2003). Human Acceptance of Information Technology. In User acceptance of information technology: Toward a unified view. MIS Quarterly, 425-478. (Vol. 27, Issue 3, pp. 425–478). CRC Press. https://doi.org/10.1201/9780849375477.ch230

Venkatesh, V., & Davis, F. D. (2000). Theoretical extension of the Technology Acceptance Model: Four longitudinal field studies. Management Science, 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.11926

Viswanath Venkatesh, J. Y. L. T. and X. X. (2012). 350mW G-band medium power amplifier fabricated through a new method of 3D-copper additive manufacturing. “Consumer Acceptance and Use of Information Technology:. MIS Quarterly, Vol. 36 No. 1,., 36(1), 157–178. https://doi.org/10.1109/MWSYM.2015.7167037

Wibowo, B. S., & Tambotoh, J. J. C. (2015). Analisis Pemanfaatan Teknologi Informasi Menggunakan Kerangka Technology Acceptance Model 3 Pada Aplikasi Data Pokok Pendidikan Dasar. Semnasteknomedia Online, 3(1), 55. https://www.m-culture.go.th/mculture_th/download/king9/Glossary_about_HM_King_Bhumibol_Adulyadej’s_Funeral.pdf

Widyarini, L. A. (2005). 15.219936-Analisis-Niat-Perilaku-Menggunakan-Inter.Pdf. In widya Manajemen & Akuntansi (Vol. 5, pp. 101–123).

Wilfan, A. F., & Martini, E. (2021). Faktor-faktor Yang Mempengaruhi Penggunaan Linkaja Berdasarkan Model Teori Utaut2 (unified Theory Of Acceptance And Use Of Technology2). EProceedings …, 8(6), 7729–7741.




DOI: http://dx.doi.org/10.29040/jiei.v9i3.9052

Refbacks

  • There are currently no refbacks.


Jurnal Ilmiah Ekonomi Islam, ISSN 2477-6157 l E-ISSN 2579-6534

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

web analytics

situs toto