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.