ANALYSIS OF INTENTION TO USE SHARIA DIGITAL BANKING USING TAM 3 AND UTAUT THEORY

Digital banking is an innovation in the banking sector that allows customers to make financial transactions more easily. The use of digital banking in Indonesia is inseparable from the very massive penetration of mobile devices, where the number reaches 355.5 million. Over time, digital banking began to be developed by adjusting to sharia principles. One of the sharia-based platforms from PT. Jago Bank Tbk. is become a breakthrough for the growth of sharia digital banking in Indonesia. The platform was just launched in the first quarter of 2022 and it can make an optimal contribution to financing. This condition indicates that there is an opportunity for sharia digital banking to continue to grow. The realization of this development was partly driven by the good acceptance of a technology-based platform. The existence of good technology acceptance can influence someone's intention to start using the offered digital platform. This study aims to analyze the factors that influence individual intentions to use sharia digital banking at Bank Jago Syariah. This study uses a quantitative approach where data is obtained by distributing questionnaires to generation Z by adopting the TAM 3 and UTAUT theories. Tests were carried out by adopting the SEM-PLS model using the Warp PLS 5.0 data analysis tool. The implementation of this research is expected to be able to optimize sharia digital banking which will then contribute to the development of the Islamic economy in Indonesia.

Digital banking is an innovation in the banking sector that allows customers to make financial transactions more easily. The use of digital banking in Indonesia is inseparable from the very massive penetration of mobile devices, where the number reaches 355.5 million. Over time, digital banking began to be developed by adjusting to sharia principles. One of the sharia-based platforms from PT. Jago Bank Tbk. is become a breakthrough for the growth of sharia digital banking in Indonesia. The platform was just launched in the first quarter of 2022 and it can make an optimal contribution to financing. This condition indicates that there is an opportunity for sharia digital banking to continue to grow. The realization of this development was partly driven by the good acceptance of a technology-based platform. The existence of good technology acceptance can influence someone's intention to start using the offered digital platform. This study aims to analyze the factors that influence individual intentions to use sharia digital banking at Bank Jago Syariah. This study uses a quantitative approach where data is obtained by distributing questionnaires to generation Z by adopting the TAM 3 and UTAUT theories. Tests were carried out by adopting the SEM-PLS model using the Warp PLS 5.0 data analysis tool. The implementation of this research is expected to be able to optimize sharia digital banking which will then contribute to the development of the Islamic economy in Indonesia.

Introduction
The rapid development of information technology has had an impact on the financial services industry. It is undeniable that the financial services industry continues to experience significant development from year to year and is starting to transform by providing services digitally, just like banking. Digital banking services or digital banking are included in the adoption of fintech (financial technology). The development of fintech in Indonesia has shown a significant increase. Based on data from OJK as of shows that the internet penetration rate in Indonesia is 77.02% and the number of people connected to the internet reaches 210 million people out of a total population of 272 million Indonesians (APJII, 2022). In addition, Indonesia is also ranked second in the world after Brazil as the most digital banking users with a percentage of 24.90% and is expected to continue to increase until 2026 (Finder, 2021).
One of the sharia-based digital banking is Bank Jago Syariah. The new Jago However, in reality, there has been no research on sharia digital banking that implements these two theories.
Based on the explanation above, this study aims to analyze the factors that influence individual intentions to use sharia digital banking at Bank Jago Syariah. The respondents of this study are generation Z. In this study, researchers adopted the

Digital Banking
The urgent transformation in the banking world is the digitization of services.
Digital banking is a banking system that mostly provides services in the artificial world, without meeting face to face or visiting bank branch offices by using the internet in computer and mobile networks (Ahn and Lee 2019). Digital banking has similarities with offline banking in general because both of them also provide financial services using internet technology. However, digital banking in general can make it easier for customers to carry out banking transactions by minimizing their level of activity and mobility (Yoon and Lim 2021).

Sharia Digital Banking
Sharia digital banking is banking that operates almost all of its activities and services such as opening new accounts, sending documents, deposits, loans, biometric

The Effect of Perception of External Control on Effort Expectancy in Sharia Digital
Banking Bank Jago Syariah Referring to the description, the researcher formulates the hypothesis as follows: H4: Output Quality has a Significant Influence on Performance Expectancy In Sharia Digital Banking Bank Jago Syariah.

Effects of Results Demonstrability on Performance Expectancy in Sharia Digital
Banking Bank Jago Syariah.

b. Analysis
Based on the partial hypothesis test that has been carried out by researchers, the following results are obtained:

H1. Perception of External Control => Intention to Use
Based on data processing, it was found that the perception of external control on intention to use has a P-value of <0.01. This shows that H1 is accepted because it fulfills the P-value <0.01. Thus, the first hypothesis can be accepted, namely, the perception of external control directly affects the intention to use.
This study states that the perception of external control has a significant effect on the intention to use sharia digital banking at Bank Jago Syariah.
Previous research using the UTAUT theory, shows that the perception of external control has a significant influence on the intention to adopt a technology

H2. Perception of External Control => Effort Expectancy
Based on data processing, it was found that the perception of external control on effort expectancy has a P-value of <0.01. This shows that H2 is accepted because it fulfills the P-value <0.01. Thus, the second hypothesis can be accepted, namely, the perception of external control has a direct effect on effort expectancy.
This study states that the perception of external control has a significant effect on effort expectancy in Bank Jago Syariah's sharia digital banking. In

H3. Computer Self-Efficacy => Effort Expectancy
Based on data processing, the results show that computer self-efficacy for effort expectancy has a P-value of <0.01. This shows that H3 is accepted because it fulfills the P-value <0.01. Thus, the third hypothesis can be accepted, namely that computer self-efficacy has a direct effect on effort expectancy. This study states that computer self-efficacy has a significant effect on effort expectancy in Bank Jago Syariah's sharia digital banking. In this case, computer self-efficacy can predict user perceptions and will ultimately influence the acceptance and use of a system. Jeng & Tseng (2018)

H4. Output Quality => Performance Expectancy
Based on data processing, it was found that the output quality on performance expectancy has a P-value of <0.01. This shows that H4 is accepted because it fulfills the P-value <0.01. Thus, the fourth hypothesis can be accepted, namely output quality has a direct effect on performance expectancy.

H8. Social Influence => Intention to Use
Based on data processing, it was found that social influence on intention to use has a P-value of <0.01. This shows that H8 is accepted because it fulfills the P-value <0.01. Thus, hypothesis eight can be accepted, namely, social influence has a direct effect on the intention to use.
This study states that social influence has a significant effect on the intention to use sharia digital banking at Bank Jago Syariah. The results of the hypothesis testing are in line with previous research conducted by Ferri et al.
(2020), Prabhakaran & Sarika (2020), and Sulaeman & Ninglasari (2020) which show results that social influence has a positive effect on the intention to use technology.

Conclusion
The results of the study stated that not all hypotheses that were formulated could be accepted. In this case, it can be interpreted that from several hypotheses, namely H1, H2, H3, H4, H5, H6, H7, and H8, not all show significant results. There is one hypothesis that is not accepted, namely H7. This study found that individuals who are customers or do not feel that support from outsiders can have an impact on the intention to use Bank Jago Syariah's sharia digital banking. In addition, the existence of support from external parties driven by the level of individual confidence in operating a technology platform also has a significant effect on the ease of using sharia digital banking. Meanwhile, a good level of output quality is supported by the benefits obtained from the use of a technology that can increase the use of sharia digital banking. The high level of ease in operating a technology platform accompanied by the influence of the people around was able to foster an intention to use Bank Jago Syariah's sharia digital banking. However, on the other hand, the test results on indicators regarding the level of usability of digital banking sharia do not affect usage intentions. Based on this, researchers assume that the high use of a technology platform does not always have positive implications for the intention to use Bank Jago Syariah's sharia digital banking.