Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers
This paper aims to analyze important factors influencing the intention and use of digital banking as perceived by consumers of the Indonesia commercial bank. This paper adopts variables in the unified theory of acceptance and use of technology 2 (UTAUT 2). The data was collected by distributing ques...
| Main Authors: | , , |
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| Format: | Article |
| Language: | English |
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University of Brawijaya
2021-04-01
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| Series: | APMBA (Asia Pacific Management and Business Application) |
| Subjects: | |
| Online Access: | https://apmba.ub.ac.id/index.php/apmba/article/view/396 |
| _version_ | 1818838838580084736 |
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| author | Rila Anggraeni Raditha Hapsari Noor Awanis Muslim |
| author_facet | Rila Anggraeni Raditha Hapsari Noor Awanis Muslim |
| author_sort | Rila Anggraeni |
| collection | DOAJ |
| description | This paper aims to analyze important factors influencing the intention and use of digital banking as perceived by consumers of the Indonesia commercial bank. This paper adopts variables in the unified theory of acceptance and use of technology 2 (UTAUT 2). The data was collected by distributing questionnaires to the 281 respondents by employed purposive sampling technique. To assessing the acceptance model, a structural equation approach based on Partial Least Squares (SEM-PLS) was used. The UTAUT2 model was proved adequate to explain digital banking behavior intention and usage. The findings demonstrated that habit is the highest variable that determines the behavioral intention and use behavior. Hedonic motivation and social influence also predict intention. Indonesia has a collectivist culture, which emphasizes the high value of the group, so opinions and information from others will affect people's intentions and actions. Surprisingly, effort expectancy, facilitating conditions, performance expectancy, and price value do not have a significant relationship which some possible reasons were explained further. In this article, practical impication also discussed. |
| first_indexed | 2024-12-19T03:44:46Z |
| format | Article |
| id | doaj.art-2e67784d03774adea9f01077e392c921 |
| institution | Directory Open Access Journal |
| issn | 2252-8997 |
| language | English |
| last_indexed | 2024-12-19T03:44:46Z |
| publishDate | 2021-04-01 |
| publisher | University of Brawijaya |
| record_format | Article |
| series | APMBA (Asia Pacific Management and Business Application) |
| spelling | doaj.art-2e67784d03774adea9f01077e392c9212022-12-21T20:37:10ZengUniversity of BrawijayaAPMBA (Asia Pacific Management and Business Application)2252-89972021-04-019319321010.21776/ub.apmba.2021.009.03.1239Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking CustomersRila Anggraeni0Raditha Hapsari1Noor Awanis Muslim2Management Department, Faculty of Economics and Business, Universitas BrawiajayaManagement Department, Faculty of Economics and Business, Universitas BrawiajayaCollege of Business and Accounting, Universiti Tenaga, MalaysiaThis paper aims to analyze important factors influencing the intention and use of digital banking as perceived by consumers of the Indonesia commercial bank. This paper adopts variables in the unified theory of acceptance and use of technology 2 (UTAUT 2). The data was collected by distributing questionnaires to the 281 respondents by employed purposive sampling technique. To assessing the acceptance model, a structural equation approach based on Partial Least Squares (SEM-PLS) was used. The UTAUT2 model was proved adequate to explain digital banking behavior intention and usage. The findings demonstrated that habit is the highest variable that determines the behavioral intention and use behavior. Hedonic motivation and social influence also predict intention. Indonesia has a collectivist culture, which emphasizes the high value of the group, so opinions and information from others will affect people's intentions and actions. Surprisingly, effort expectancy, facilitating conditions, performance expectancy, and price value do not have a significant relationship which some possible reasons were explained further. In this article, practical impication also discussed.https://apmba.ub.ac.id/index.php/apmba/article/view/396digital bankingutaut2behavior intentionuse behaviortechnology acceptanceindonesia |
| spellingShingle | Rila Anggraeni Raditha Hapsari Noor Awanis Muslim Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers APMBA (Asia Pacific Management and Business Application) digital banking utaut2 behavior intention use behavior technology acceptance indonesia |
| title | Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers |
| title_full | Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers |
| title_fullStr | Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers |
| title_full_unstemmed | Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers |
| title_short | Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers |
| title_sort | examining factors influencing consumers intention and usage of digital banking evidence from indonesian digital banking customers |
| topic | digital banking utaut2 behavior intention use behavior technology acceptance indonesia |
| url | https://apmba.ub.ac.id/index.php/apmba/article/view/396 |
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