Exploring the Role of Trust in Mobile-Banking Use by Indonesian Customer Using Unified Theory of Acceptance and Usage Technology

Saparudin, Mohamad; Rahayu, Agus; Hurriyati, Ratih; Sultan, Mokh. Adib

doi:10.5430/ijfr.v11n2p51

Cited by 26 publications

(22 citation statements)

References 11 publications

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“…Research results by (Mashagba & Nassar, 2014), with the substance of the research modification of the UTAUT model to study the factors of mobile banking adoption in Jordan, concluded that social influence is one of the significant factors contributing to behavioral intention. In line with the results of this study, the research submitted by (Saparudin et al, 2020), who tried to research the level of customer trust using mobile banking services in Indonesia, concluded that social influence has an effect and has a significant relationship with behavioral intention. Following the results of several previous studies, the formulation of the developed hypothesis is: H3: Social influence affects behavioral intention Facilitating conditions also significantly influence behavioral intentions to adopt mobile banking (Islam et al, 2017).…”

Section: H2: Effort Expectancy Affects Behavioral Intentionsupporting

confidence: 79%

Behavioral Stimulus for Using Bank Mestika Mobile Banking Services: UTAUT2 Model Perspective

Marpaung

Dewi

Grace

et al. 2021

GRMAPB

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The existence of mobile banking services is currently experiencing rapid growth. Adopting such a large number of users makes mobile banking services one of the main needs to meet the needs of conducting financial transactions. Therefore, there is a need for additional information for mobile banking service developers on the dominant factors influencing user behavioral intentions. This research is present as a forum to provide an overview of the user's perspective on Mestika bank's mobile banking service. This research aims to find out what factors play an important role in behavioral intention to use Mestika bank's mobile banking services based on the UTAUT2 concept. The research instrument used a questionnaire distributed online to 240 respondents in Medan City and Pematangsiantar City, Indonesia. Next, the researcher tested the hypothesis using Structural Equation Modeling (SEM) based on a variant called Partial Least Square (PLS) and the SmartPLS version 3.0 application as a tool to analyze it. This research concludes that effort expectancy has the most significant influence and plays a very important role in shaping the behavioral intention of using Mestika bank's mobile banking. Then performance expectancy and social influence hedonic motivation also significantly influence behavioral intentions to use Mestika bank's mobile banking. Furthermore, the results of this study also conclude that facilitating conditions and habit have no significant effect on behavioral intentions to use Mestika bank's mobile banking.

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Section: H2: Effort Expectancy Affects Behavioral Intentionsupporting

confidence: 79%

Behavioral Stimulus for Using Bank Mestika Mobile Banking Services: UTAUT2 Model Perspective

Marpaung

Dewi

Grace

et al. 2021

GRMAPB

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“…If trust can be managed properly, this will impact the loyalty of e-wallet users in the long term. Study results (Saparudin et al, 2020) and (Sandy & Firdausy, 2021), reveal that trust has a positive and significant effect on the intention to use. Therefore, based on several previous research results, this study is carried out to develop hypotheses:…”

Section: Trustmentioning

confidence: 89%

Analysis of the Effect of Perceived Ease of Use, Perceived Usefulness, Trust, and Cashback Promotion on Intention to Use E-wallet

Putri¹,

Sinaga²,

Sudirman³

et al. 2022

IJEBMR

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One way to make digital payments today is using a virtual wallet, an e-wallet. The e-wallet that will be used will be filled in before being used by consumers, which can be done from a banking account with the nominal amount of money desired by the consumer. When the virtual wallet has been used to make digital payments, the money that the consumer has entered into the virtual wallet will be debited according to the amount of money transferred. This study aims to analyze the effect of perceived ease of use, perceived usefulness, trust, and cashback promotion on the intention to use e-wallets in Indonesia. This study's research method includes library and field research design with a quantitative approach. The research subjects taken in this study were ewallet users in Indonesia. Data collection techniques using observation, interviews, questionnaires, and documentation. The data analysis method used is Partial Least Square (PLS). The study stated positive and significant results between perceived ease of use, perceived usefulness, trust, and cashback promotion on intention to use.

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“…Users are always afraid of losing money through transactions, losing passwords, and making mistakes on the platform, so the perceived risk factor is a very important factor in technology adoption, and has been added to the model. In previous studies, PR has been shown to significantly influence user behavioral intent in the context of Bitcoin (Kumpajaya and Dhewanto, 2015); mobile banking (Oliveira and Popoviğ, 2014) and (Saparudin et al, 2020). So, the following hypothesis is proposed: H6: There is a significant and negative linear relationship between perceived risk and user›s behavioral intention to use Bitcoin.…”

Section: Perceived Risk (Pr)mentioning

confidence: 95%

Acceptance and Use of Cryptocurrency in Saudi Arabia: A Case Study of Bitcoins

Elshity

2022

مجلة الجمعیة المصریة لنظم المعلومات وتکنولوجیا الحاسبات

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This study focused on the Unified Theory of Acceptance and Use of Technology (UTAUT2) and the possibility of its application, to determine the most important variables that affect users' acceptance of cryptocurrencies (especially Bitcoin). Determining the key factors that affect the acceptance and use of Bitcoin by adult individuals with basic knowledge of the Internet in Saudi Arabia. The results showed that value of the adjusted R2 is 0.859, which indicates that the independent variables have the ability to explain 85.9% of the change in the dependent variable, there is significant and positive linear relationship between performance expectancy, effort expectancy, al shariah compliance, price value and behavioral intention to use Bitcoin in Saudi Arabia, There is no significant linear relationship between social influence and facilitating conditions toward the user's behavioral intention to use Bitcoin. There is a significant and negative relationship between perceived risk and the user's behavioral intention to use Bitcoin. It shows that many users still treat Bitcoin with care because there is no legal legislation and Bitcoin is still not compatible with Islamic trading perspective. The research recommended the following:1-The perceived risk of cryptocurrency transactions is very high, therefore policymakers in arab countries need to issue laws regarding the use of cryptocurrency and protect its users . 2-Factors that could be included in future research are legislation influence and sustainability of cryptocurrencies.3-There should be more workshops or seminars about Bitcoin in order to educate people in Arab countries about its benefits. This kind of activities should be organized not only by government but also Bitcoin groups and forums.

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Exploring the Role of Trust in Mobile-Banking Use by Indonesian Customer Using Unified Theory of Acceptance and Usage Technology

Cited by 26 publications

References 11 publications

Behavioral Stimulus for Using Bank Mestika Mobile Banking Services: UTAUT2 Model Perspective

Behavioral Stimulus for Using Bank Mestika Mobile Banking Services: UTAUT2 Model Perspective

Analysis of the Effect of Perceived Ease of Use, Perceived Usefulness, Trust, and Cashback Promotion on Intention to Use E-wallet

Acceptance and Use of Cryptocurrency in Saudi Arabia: A Case Study of Bitcoins

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