The Implementation of UTAUT 3 Model (Unified Theory of Acceptance and Use of Technology) To Analyze Factors Utilization of M-Banking Applications

Technological advancements were rapidly developing and have brought many changes in various sectors and coutries, including Indonesia. The using of mobile banking applications is among the advantages that are apparent. This research to examine and determine the factors that affect individuals intentions to use mobile banking applications and identify which variable the most significant role in shaping these intentions. This observation employs a quantitative and utilizes non-probability sampling, specifically through purposive sampling. Data was obtained via online questionnaire google form) amounted to 304 respondents of m-banking applications on BNI mobile banking, m-BCA, BSI mobile, Livin by Mandiri, Brimo, and BTN ibanking at the UKKPPM unit of Universitas Indonesia. Hypothesis testing in this study uses PLS-SEM model. The results represent that performance expectancy, hedonic motivation, habit, and personal innovation significantly impact on behavioral intention. Meanwhile, the others variable do not have a significant effect on behavioral intention in using of mobile banking applications. Next, usage behavior affected by facilitating conditions and behavioral intention. Personal innovation is a variable dominant in this research.

Authors

Publication Details

Journal
International Journal of Social Science and Human Research
Published
2025-05-31
DOI
https://doi.org/10.47191/ijsshr/v8-i5-101
Primary Topic
Technology Adoption and User Behaviour
Type
article
Field-Weighted Citation Impact
0.00
Controls
|||
ALL TIME
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
article

The Implementation of UTAUT 3 Model (Unified Theory of Acceptance and Use of Technology) To Analyze Factors Utilization of M-Banking Applications

Sri Handayani, Erlina Erlina
International Journal of Social Science and Human Research
Technology Adoption and User Behaviour
article

The Implementation of UTAUT 3 Model (Unified Theory of Acceptance and Use of Technology) To Analyze Factors Utilization of M-Banking Applications

Sri Handayani, Erlina Erlina
article en

Abstract

Technological advancements were rapidly developing and have brought many changes in various sectors and coutries, including Indonesia. The using of mobile banking applications is among the advantages that are apparent. This research to examine and determine the factors that affect individuals intentions to use mobile banking applications and identify which variable the most significant role in shaping these intentions. This observation employs a quantitative and utilizes non-probability sampling, specifically through purposive sampling. Data was obtained via online questionnaire google form) amounted to 304 respondents of m-banking applications on BNI mobile banking, m-BCA, BSI mobile, Livin by Mandiri, Brimo, and BTN ibanking at the UKKPPM unit of Universitas Indonesia. Hypothesis testing in this study uses PLS-SEM model. The results represent that performance expectancy, hedonic motivation, habit, and personal innovation significantly impact on behavioral intention. Meanwhile, the others variable do not have a significant effect on behavioral intention in using of mobile banking applications. Next, usage behavior affected by facilitating conditions and behavioral intention. Personal innovation is a variable dominant in this research.

International Journal of Social Science and Human ResearchVol. 08(05)
Openalex Percentile: Top 87%
Technology Adoption and User Behaviour
AI Navigator

Ask Laika to Summarize, Analyze, and Connect papers live on the map.

Summarize Papers & Methodologies

Extract key findings, datasets, and comparative methods across publications.

Benchmark Rankings & Visual Analytics

Rank top research institutions, authors, funders, topics, and journals by Field-Weighted Citation Impact (FWCI) and paper volume with instant charts.

Connect Distant Disciplines

Bridge topological clusters on the map to find hidden collaborative intersections.