Abstract
The development of information technology makes banking provide mobile banking service applications in Indonesia as an easy, convenient and fast service. However, there are still many customers who do not have a mobile banking account. In addition, the use of currency is still in demand by the soceity. Therefore, the purpose of this study is to determine the factors that influence consumer acceptance in the context of mobile banking applications. This study uses the Unified Theory of Acceptance and Use of Technology (UTAUT2) model which is modified by adding the variable perceived credibility and perceived self-efficacy. This research model was tested using 205 respondents from online surveys in the Jabodetabek, Indonesia. Data was analyzed using Partial Least Square (PLS). Performance expectancy, effort expectancy, social influence has a significant effect on behavioral intention. Performance expectancy is the factor that most influences the behavior intention. Behavioral intention, facilitating condition and habit has a significant effect on reuse behavior.
Highlights
The development of information technology improves mobile devices such as smartphones, notebooks, netbooks and tablet computers with a network of 3G and 4G internet connections that support
According to data from Emarketer in 2014, it is estimated that by 2018 the number of active smartphone users in Indonesia will be more than 100 users
The survey results increased by 23.6% compared to the results of the survey in 2008, namely penetration of mobile banking accounts for only 17.6% (MARS Indonesia Newsletter, 2013)
Summary
The development of information technology improves mobile devices such as smartphones, notebooks, netbooks and tablet computers with a network of 3G and 4G internet connections that support. This study hyphothesis : H7 : Facilitating condition significantly affects reuse behavior of using mobile banking Variable additions aim to ascertain what factors greatly influence users to adopt mobile banking (Yu, 2012). This study hypothesis: H8 : Perceived credibility significantly affects behavioral intention to use mobile banking According to Brown et al (2003), the perception of self-efficacy is not a direct determinant in influencing user behavior in adopting mobile banking. This study uses the help of Smart PLS software ver. 3.2.7
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