THE INTENTION TO USE MOBILE BANKING DURING THE COVID-19 PANDEMIC: MODIFICATION OF THE UTAUT MODEL
Downloads
This study want to examine society's intentions towards mobile banking sharia in the ease of solving their financial problems. The increase in the use of smartphones makes the banking industry provide services mobile banking to facilitate and increase customer productivity, especially during the Covid-19 pandemic. Intention to use sharia mobile banking measured using the Unified Theory of Acceptance and Use of model Technology (UTAUT. Type this research uses quantitative research that is supported by data qualitative. The sampling technique used purposive sampling which was tested using the SEM-PLS analysis technique with an analytical tool, namely Warp-PLS 5.0 and exploratory analysis using SPSS 23. Results of SEM analysis shows that there is a good intention by the society in using mobile banking and the public finds it easy to operate to increase productivity. The implications of this research as input for the banking sector in terms of improving the quality of mobile banking so that people can produce during the Covid-19 pandemic.
Arianto, A. 2020. "Faktor Yang Memengaruhi Behavior Intention Untuk Penggunaan Aplikasi Dompet Digital” 2: 111–22.
Chiu, J, L, N Bool C, and C Chiu L. 2017. "Challenges and Factors Influencing Initial Trust and Behavioral Intention to Use Mobile Banking Services in the Philippines. Asia Pacific Journal of Innovation and Entrepreneurship” 2 (11): 246–78. https://doi.org/. https://doi.org/10.1108/apjie-08-2017-029.
Farquhar, J, D, and T Panther. 2007. "The More, the Merrier? An Exploratory Study into Managing Channels in UK Financial Services. The International Review of Retail, Distribution and Consumer Research” 17 (1). https://doi.org/10.1080/09593960601132300.
Fauzi, A, T Widodo, and T Djatmiko. 2018. "Pengaruh Behavior Pada Penggunaan Aplikasi Transportasi Online (Studi Kasus Pada Pengguna Go- Jek Dan Grab Di Kalangan Mahasiswa Telkon University).” 5 (2): 1790–96.
Goh, Tiong Thye, Norazah Mohd Suki, and Kim Fam. 2014. "Exploring a Consumption Value Model for Islamic Mobile Banking Adoption.” Journal of Islamic Marketing.
Gunawan, T. 2019. "Pengaruh Performance Expectancy Dan Social Influence Terhadap Behavioral Intention Di Aplikasi Hijabenka.” Agora 7 (2).
Indah, M., and H. Agustin. 2019. "Penerapan Model UTAUT (Unified Theory of Acceptance and Use of Technology) Untuk Memahami Niat Dan Perilaku Aktual Pengguna Go-Pay Di Kota Padang.” Jurnal Eksplorasi Akuntansi 1 (4): 1949–67. https://doi.org/10.24036/jea.v1i4.188.
Indrata, S, L., and C Susanti E. 2017. "Pengaruh Perceived Value Dan E-Service Quality Terhadap Customer Behavioral Intention Melalui Customer Satisfaction Pada Pengguna Gojek Di Surabaya.” Kajian Ilmiah Mahasiswa Manajemen (KAMMA) 6 (2): 131–47. http://journal.wima.ac.id/index.php/KAMMA/.
Islam, Z, P Kim Cheng Low, and I Hasan. 2013. "Intention to Use Advanced Mobile Phone Services (AMPS).” Management Decision 51 (4): 824–38. https://doi.org/10.1108/00251741311326590.
Ivan, D., and R. Karina. 2018. "Analisis Pengaruh Performance Expectancy Dan Effort Expectancy Terhadap Behavioral Intention Pada Online Market Place.” Agora 6 (2): 1–6.
Khatun, M, N., S. Mitra, and M Sarker N, I. 2021. "Mobile Banking during COVID-19 Pandemic in Bangladesh: A Nove l Mechanism to Change and Accelerate People's Financial Access.” Green Finance 3 (3): 253–67. https://doi.org/10.3934/GF.2021013.
Kumala, D, C., J Pranata W., and S. Thio. 2020. "Pengaruh Perceived Usefulness, Perceived Ease of Use, Trust, Dan Security Terhadap Minat Penggunaan Gopay Pada Generasi X Di Surabaya.” Jurnal Manajemen Perhotelan 6 (1): 19–29. https://doi.org/10.9744/jmp.6.1.19-29.
Lee, K, C., and N. Chung. 2009. "Understanding Factors Affecting Trust in and Satisfaction with Mobile Banking in Korea: A Modified DeLone and McLean's Model Perspective.” Interacting with Computers 21 (5–6): 385–92. https://doi.org/10.1016/j.intcom.2009.06.004.
Mayliza, Riri. 2019. "Analisis Customer Satisfaction Dan Behavioral Intention Dilihat Dari Service Quality, Food Quality Dan Price/Value Di Restoran Mcdonald'S Depok.”
Mediyanto, Beni, and Irfan Mahendra. 2017. "Penerapan Metode UTAUT Untuk Memprediksi Behavioral Intentions User Dalam Menggunakan Aplikasi Zabbix.” JITK (Jurnal Ilmu Pengetahuan Dan Teknologi Komputer) 3 (1): 9–16.
Nugraha, Agung. 2020. "Analisis Faktor-Faktor Yang Mempengaruhi Behavioral Intention Untuk Mengadopsi Media Sosial Sebagai Tempat Belanja Online.” In Prosiding Industrial Research Workshop and National Seminar, 11:1054–59.
Poon, Wai-Ching. 2008. "Users' Adoption of e-Banking Services: The Malaysian Perspective.” Journal of Business & Industrial Marketing.
Purwianti, Lily, and Karen Tio. 2017. "Faktor-Faktor Yang Mempengaruhi Behavioural Intention.” Jurnal Manajemen Maranatha 17 (1): 15–32.
Rema, Yasinta Oktaviana L., and Djoko Budianto Setyohadi. 2016. "Faktor-Faktor Yang Mempengaruhi Penerimaan Mobile Banking Studi Kasus: BRI Cabang Bajawa.” In Jurnal. Yogyakarta: Seminar Riset Teknologi Informasi (SRITI).
Riquelme, Hernan E., and Rosa E. Rios. 2010. "The Moderating Effect of Gender in the Adoption of Mobile Banking.” International Journal of Bank Marketing.
Rita, Rita, and Mita Handra Fitria. 2021. "Analisis Faktor-Faktor UTAUT Dan Trust Terhadap Behavioral Intention Pengguna BNI Mobile Banking Pada Pekerja Migran Indonesia.” Jesya (Jurnal Ekonomi Dan Ekonomi Syariah) 4 (2): 926–39.
Riza, Alex Fahrur, and Muhammad Riza Hafizi. 2020. "Customers Attitude toward Islamic Mobile Banking in Indonesia: Implementation of TAM.” Asian Journal of Islamic Management 1 (2): 75–84.
Sadeghi, Tooraj, and Kambiz Heidarzadeh Hanzaee. 2010. "Customer Satisfaction Factors (CSFs) with Online Banking Services in an Islamic Country: IR Iran.” Journal of Islamic Marketing.
Sa'idah, Nurus. 2017. "Analisis Penggunaan Sistem Pendaftaran Online (E-Health) Berdasarkan Unified Theory of Acceptance and Use of Technology (UTAuT).” Jurnal Administrasi Kesehatan Indonesia 5 (1): 72–81.
Septiana, Indah, Muhartini Salim, and Muhammad Yasser Iqbal Daulay. 2020. "Analysis The Effect Of Habit And Perceived Enjoyment Mediated By Behavioural Intention To Adoption On Students Using Mobile Banking BNI.” Managament Insight: Jurnal Ilmiah Manajemen 15 (1): 78–94.
Sirgy, M. Joseph. 1985. "Using Self-Congruity and Ideal Congruity to Predict Purchase Motivation.” Journal of Business Research 13 (3): 195–206.
Solomon, Michael R. 1983. "The Role of Products as Social Stimuli: A Symbolic Interactionism Perspective.” Journal of Consumer Research 10 (3): 319–29.
Sugihamretha, I. Dewa Gde. 2020. "Respon Kebijakan: Mitigasi Dampak Wabah Covid-19 Pada Sektor Pariwisata.” Jurnal Perencanaan Pembangunan: The Indonesian Journal of Development Planning 4 (2): 191–206.
Sulaiman, A, N Jaafar I, and S Mohezar. 2007. "An Overview of Mobile Banking Adoption among the Urban Community.” International Journal of Mobile.
Supriatna, E. 2020. "Wabah Corona Virus Disease (Covid 19) Dalam Pandangan Islam. SALAM: Jurnal Sosial Dan Budaya Syar-I, 7 (6), 555–564.”
Sutanto, Sutanto, Imam Ghozali, and Rr Sri Handayani. 2018. "Faktor-Faktor Yang Memengaruhi Penerimaan Dan Penggunaan Sistem Informasi Pengelolaan Keuangan Daerah (Sipkd) Dalam Perspektif the Unified Theory of Acceptance and Use of Technology 2 (Utaut 2) Di Kabupaten Semarang.” Jurnal Akuntansi Dan Auditing 15 (1): 37–68.
Syafaruddin, Z. 2016. "Pengaruh Komunikasi Electronicword of Mouth Terhadap Kepercayaan (Trust) Dan Niat Beli (Purchase Intention) Serta Dampaknya Pada Keputusan Pembelian (Survey Pada Konsumen Online Shopping Zafertech. Com).” Jurnal Bisnis Dan Manajemen 3 (1).
Tam, Carlos, and Tiago Oliveira. 2017. "Literature Review of Mobile Banking and Individual Performance.” International Journal of Bank Marketing.
Tandijaya, Trixie Nova Bella. 2018. "Analisa Pengaruh Service Quality Terhadap Behavioral Intentions Dengan Perceived Value Dan Customer Satisfaction Sebagai Variabel Intervening Pada Pendidikan Tinggi.” Jurnal Manajemen Pemasaran 12 (2): 84–93.
Valentine, Lisa. 2011. "Smart Phones Alter Banking Landscape.” American Bankers Association. ABA Banking Journal 103 (5): 32.
Venkatesh, Viswanath, James YL Thong, and Xin Xu. 2012. "Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology.” MIS Quarterly, 157–78.
Wibowo, Adelwin Hilman, Yusi Tyroni Mursityo, and Admaja Dwi Herlambang. 2019. "Pengaruh Performance Expectancy, Effort Expectancy Dan Social Influence Terhadap Behavioral Intention Dalam Implementasi Aplikasi SIMPG PT Perkebunan Nusantara XI Surabaya.” Jurnal Pengembangan Teknologi Informasi Dan Ilmu Komputer E-ISSN 2548: 964X.
Wijaya, Krisna, and Eva Handriyantini. 2020. "Analisis Faktor Yang Mempengaruhi Behavioral Intention Pada Online Marketplace Menggunakan Model UTAUT (Studi Kasus: Shopee).” Prosiding SeNTIK 4 (1): 323–32.
Wilson, Nicholas, and Keni Keni. 2018. "Pengaruh Website Design Quality Dan Kualitas Jasa Terhadap Repurchase Intention: Variabel Trust Sebagai Variabel Mediasi.” Jurnal Manajemen Dan Pemasaran Jasa 11 (2): 291–310.
Copyright (c) 2022 Airlangga International Journal of Islamic Economics and Finance
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with Airlangga International Journal of Islamic Economics and Finance agree to the following terms:
- Authors retain copyright and grant AIJIEF the right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to remix, adapt and build upon the work with an acknowledgment of the work's authorship and of the initial publication in AIJIEF.
- Authors are permitted to copy and redistribute the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in AIJIEF.
