Penggunaan Aplikasi Mobile Banking Pada Bank Konvensional dan Bank Syariah di Nusa Tenggara Barat: Pembuktian Model Unified Theory of Acceptance and Use of Technology (UTAUT)

Main Article Content

Taufiq Chaidir
Ihsan Ro'is
Akhmad Jufri

Abstract

Beberapa strategi ditempuh perbankan untuk meningkatkan kualitas dan ragam layanan keuangan, dimana sejumlah bank mengembangkan digital banking secara internal (in house) yang berfokus pada multichannel delivery terutama m-banking, sehingga fungsi layanan bank menjadi lebih efisien. Salah satu konstruksi model yang kiranya dapat membuktikan penerimaan dan penggunaan teknologi m-banking adalah model unified theory of acceptance and use of technology (UTAUT). Tujuan penelitian ini adalah untuk membuktikan bahwa harapan kinerja, harapan berusaha, pengaruh sosial, kondisi fasilitas, jenis kelamin, dan usia berpengaruh langsung dan signifikan terhadap niat berperilaku menggunakan m-banking, serta untuk membuktikan bahwa niat berperilaku berpengaruh positif dan signifikan terhadap perilaku menggunakan m-banking.


Lokasi penelitian di 2 Kota dan 8 Kabupaten di Provinsi Nusa Tengara Barat. Metode pengumpulan data menggunakan sampel survey, dengan jumlah sampel sebanyak 100 nasabah pengguna m-banking. Teknik sampling menggunakan metode judgement sampling, adapun alat pengumpulan data menggunakan kuesioner memanfaatkan aplikasi google form. Pengujian hipotesis menggunakan alat analisis SEM-PLS.


Hasil penelitian membuktikan bahwa bahwa dari 4 variabel yakni harapan kinerja, harapan usaha,  dukungan sosial, dan kondisi fasilitas,  hanya harapan usaha yang tidak berpengaruh signifikan, sedangkan  harapan kinerja, dukungan sosial, dan kondisi fasilitas berpengaruh signifikan terhadap niat berperilaku menggunakan m-banking. Efek moderasi jenis kelamin dan usia tidak berpengaruh terhadap niat berperilaku dan perilaku menggunakan m-banking. Adapun niat berperilaku berpengaruh signifikan terhadap perilaku menggunakan m-banking pada bank konvensional dan bank syariah di Provinsi NTB. Perilaku menggunakan m-banking dapat diukur melalui niat dan dianggap sebagai variabel penting dalam penerimaan teknologi, hal tersebut secara eksplisit diungkapkan bahwa niat perilaku sebenarnya mengarah pada penggunaan teknologi.

Article Details

How to Cite
Chaidir, T., Ro’is, I., & Akhmad Jufri. (2021). Penggunaan Aplikasi Mobile Banking Pada Bank Konvensional dan Bank Syariah di Nusa Tenggara Barat: Pembuktian Model Unified Theory of Acceptance and Use of Technology (UTAUT). Elastisitas - Jurnal Ekonomi Pembangunan, 3(1), 61-76. https://doi.org/10.29303/e-jep.v3i1.37
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Articles
Author Biography

Taufiq Chaidir, Universitas Mataram

Google Scholar https://scholar.google.co.id/citations?user=ZPTFnX4AAAAJ&hl=en&oi=ao 

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