ADOPSI MOBILE BANKING BERBASIS BANKING SERVICES 5.0 PT.BANK NEGARA INDONESIA (PERSERO) Tbk (WONDR By BNI) OLEH USAHA MIKRO DAN KECIL DI PADANG, SUMATERA BARAT: Dengan Penerapan Teori Difusi Inovasi

This study aims to determine the Influence of Innovation Attributes (Relative Advantage, Compatibility, Triability, Observability, Risk Consideration) on Adoption mediated by Age and Sales on Wondr by BNI Mobile Banking. This study is a quantitative study with 250 respondents. This study was conducted by distributing questionnaires to Wondr users. The data sources used in this study are primary and secondary data. The analysis method used is SEM PLS using SmartPLS 4.0 data analysis software. The results of this study indicate that the Innovation Attribute variable (Relative Advantage) does not have a significant effect on Adoption, but the Innovation Attribute variable (Compatibility, Triability, Observability, Risk Consideration) has a positive and significant effect on adoption. The results of this study also show that Age and Sales can moderate the influence of Innovation Attributes (Relative Advantage, Compatibility, trialability, Observability, Risk Consideration) on Adoption.