Understanding Use Behavior in Mobile Banking: An Extended of UTAUT Perspective

The aim of this research was to examine factors in UTAUT2was developed by Venkatesh et al.,(2012)(Unified Theory of Acceptance and Use of Technology2) Model which were influenced people in using mobile banking. Constructs used in this research were: performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habits, behavioural intention, and use behaviour. This research based on survey research, and data were gathered using questionnaire. The questionnaires were distributed through internet link and it was responded by 199 respondents. The population in this research are every person who used mobile banking. The sample amount used the literature which was said that if the number of arrows in the model is maximum 10, the minimum amount of samplesare 91 samples.Data analysis techniques employed in this research was Partial Least Square–Structural Equation Modeling (PLS-SEM). Results from this research shows that the factors influencing use of mobile banking are habitss and behavioural intention. In other sides, factors that determine the intentions on using mobile banking are habitss and performance expectancy. Results of this research contributes to the identify the factors that should be enhanced by banks to optimize the use of mobile banking and also contributes to the banks customers to make them understand what factors influenced them most on using mobile banking. Theoretical contribution from this paper related to contribution of references about examining the factors affect use of mobile banking in Indonesia from the UTAUT2 model.

The aim of this research was to examine factors in UTAUT2 was developed by Venkatesh et al.,(2012) (Unified Theory of Acceptance and Use of Technology2) Model which were influenced people in using mobile banking. Constructs used in this research were: performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habits, behavioural intention, and use behaviour. This research based on survey research, and data were gathered using questionnaire. The questionnaires were distributed through internet link and it was responded by 199 respondents. The population in this research are every person who used mobile banking. The sample amount used the literature which was said that if the number of arrows in the model is maximum 10, the minimum amount of samples are 91 samples. Data analysis techniques employed in this research was Partial Least Square – Structural Equation Modeling (PLS-SEM). Results from this research shows that the factors influencing use of mobile banking are habitss and behavioural intention. In other sides, factors that determine the intentions on using mobile banking are habitss and performance expectancy. Results of this research contributes to the identify the factors that should be enhanced by banks to optimize the use of mobile banking and also contributes to the banks customers to make them understand what factors influenced them most on using mobile banking. Theoretical contribution from this paper related to contribution of references about examining the factors affect use of mobile banking in Indonesia from the UTAUT2 model.

The purpose of this study is to examine how students in Malang City use mobile banking for e-commerce in relation to perceived utility and perceived ease of use, using preference as a mediating variable. A survey technique combined with a quantitative approach is the methodology employed. Purposive sampling was used to choose 100 students who actively utilize mobile banking for the study sample. A questionnaire measuring the characteristics of preference, use, perceived utility, and perceived ease of use of mobile banking was used to gather data. Partial Least Squares-Structural Equation Modeling (PLS-SEM) was used to analyze the data and determine how the variables related to one another. The findings demonstrated that preference has a significant impact on the use of mobile banking in e-commerce, perceived usefulness has a significant impact on preference, perceived ease of use has a significant impact on preference, and perceived usefulness has a significant impact on e-commerce mobile banking use. However, perceived ease of use has no significant impact on e-commerce mobile banking use. The use of mobile banking in e-commerce is significantly impacted by perceived usefulness, which is somewhat mediated by preference. The adoption of mobile banking in e-commerce is heavily influenced by perceived ease of use, which is entirely mediated by preference. These results highlight how crucial it is for service providers to comprehend user preferences in order to enhance the advantages and The adoption of mobile banking in e-commerce is heavily influenced by perceived ease of use, which is entirely mediated by preference. These results highlight how crucial it is for service providers to comprehend customer preferences in order to enhance the advantages and usability of mobile banking

The purpose of this research is represented by the need to highlight the trend regarding the access and use of mobile banking and mobile payment services by student consumers, in close connection with the cultural factors that can influence this trend. In this regard, the paper considers aspects such as observing the students’ behavior regarding how mobile banking is used in the monitoring of bank accounts, taking financial decisions about saving and investments, as well as shopping. The research methodology addressed aimed at both qualitative and quantitative research, considering the mobile financial services offered by banks operating in Romania. The authors conducted a quantitative research based on a questionnaire, grouping selectively a multitude of questions on how students perceive mobile banking according to the specific interaction they had with it. The structural model that was used is called the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2), a combination of UTAUT developed in 2003 by Venkatesh et al. and Hofstede’s cultural moderators. The qualitative analysis considered the placement of the factors analyzed in a cultural context linked with the Romanian students, trying to investigate the values, perceptions, desires, but also the stereotypes and prejudices taken from the family or other social organisms. The results of this research reveal how cultural factors determine the Romanian students attitude close to the use of mobile banking services. Factors that have a positive influence on behavioral intention are performance, facilitating conditions and habit. Habit has also a positive influence on use behaviour. Social influence has a negative effect on behavioral intention. There is no relationship between behavioral intention and effort expectancy, hedonic motivation and price value. Also, there is no association between use behavior and behavior intention. All cultural moderators signal a negative influence on the behavioral intention - use behavior relationship.

PurposeDespite the benefits of mobile banking services in an increasingly digitised world, adoption rates remain unsatisfactory. The present cross-national study examines age- and gender-dependent variations of consumer intentions and use of mobile banking services.Design/methodology/approachThe study analyses consumer mobile banking use by integrating factors such as with trust, security and privacy and it examines the effects of these factors among two demographic factors including age and gender. 897 Lebanese and British mobile banking users completed a survey. Data was analysed by partial least squares-structural equations modelling.FindingsConsumer behavioural intention was significantly moderated by age through its relationship with facilitating conditions and trust among Lebanese respondents, and performance expectancy, effort expectancy, hedonic motivation, price value and habit among their British counterparts. As for gender, a significant moderating effect was evidenced in the Lebanese, but not the British sample, on the level of performance expectancy, effort expectancy, facilitating conditions, price value and perceived security.Originality/valueThe findings provide evidence of the applicability of the new factors proposed in this research. The reflection of the influence of these demographic factors in a cross-national context provides insights into mobile banking adoption variation between different countries.

Mobile banking has the benefits of internet banking, in which the customer can access bank services over an internet connection anytime and anywhere. Millennials in Malaysia’s business environment are an enormous segment of the Malaysian population, and they are moving to take their places in the middle and high levels of their companies’ managerial governance pyramid these days and in the near future. This study examines the question, “What are the main factors that may influence mobile banking use (MBU) and the intention to use mobile banking (IU) among millenial consumers in Malaysia?”. The determining factors of UTAUT, performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), hedonic motivation (HM), price value (PV), habit (Ha), perceived risk (PDR), and interface design quality (IDQ) were tested in this study. Method: SPSS and PLS-SEM are employed on a collected sample of 504 respondents of Millennials in Malaysia using a well-defined questionnaire to carry out all statistical analyses of this study. Result: The study model can explain 55.3% of the variance of mobile banking use (MBU) and 60.3% of the intention to use mobile banking (IU). In this study, all the relations of the model are significant, except the relation between price value (PV) and the intention to use mobile banking. For both IU and MBU in the model, the factor “Interface design quality” (IDQ) has the highest impact. In contrast, the factor “Perceived Risk” (PDR) has the lowest impact. The findings of this study extend the knowledge on mobile banking as an approach of financial technology implementation, from which mobile banking providers and interface designers can provide new potential solutions to expand the usage of mobile banking services in Malaysia. This study proposed a modified model with eleven variables. While the designed model was evaluated successfully and explained 55% of actual use and 60% of intentional use, the remaining portion (45% for actual use and 40% for intended usage) exposes yet other factors that are still unrevealed. Therefore, further studies are required to assess the design in various other financial sectors, and further studies are invited to conduct qualitative research to reveal other variables for a better understanding of the intention and actual use of mobile banking.

The purpose of this work is to show the development and evaluation of behavioural intentions of students by using mobile banking. The research goal is to explain determinants of students’ intentions towards the use of mobile banking. PLS SEM (partial least squares structural equation modeling) analysis was used for the model evaluation. The sample consists of 83 students from four higher education institutions operating in Bosnia and Herzegovina (B&H). Research results confirmed that subjective norm and attitude are significant predictors of the user’s attitude towards mobile banking acceptance, while the influence of self-efficacy was not determined. Attitudes related to mobile banking acceptance are primarily determined by perception of usefulness and self-efficacy, and to a lower degree by perception of privacy and security risk. Perception of mobile banking usefulness appeared to be the most significant predictor of attitudes, while simultaneously it influenced positively on acceptance of behavioral intention, including intervening effect of attitude variable. Digital literacy was proved to be a significant predictor for self-efficacy. From the perspective of banks, it is very important to see how a generation that a high potential for the use of modern technologies has perceives mobile banking, and what affects it to accept mobile banking. The results of this research are useful for banks to attract new younger users of mobile banking and increase their own benefits.

This research aims to determine the factors influencing the acceptance and use of Mobile Banking using UTAUT2 model in banking companies registered in LQ45. The independent variables used in this research are Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Price Value and Habit. The dependent variable used is Use Behavior. The intervening variable used is Behavioral Intention. The sample in this research was Mobile Banking users from banking companies registered in LQ45, with 280 respondents. The sampling technique used is non-probability sampling with a purposive sampling method, using primary and quantitative data. The analysis technique in this research uses Smart PLS 3.0 by analyzing outer models such as validity and reliability tests, and inner models such as R-Square, Path Coefficient, and Path Analysis. The research results show that Performance Expectancy, Social Influence, Price Value, and Habit have a direct influence on Behavioral Intention. Effort Expectancy, Facilitating Conditions, and Hedonic Motivation have no direct influence on Behavioral Intention. Facilitating Conditions and Behavioral Intention directly influence Use Behavior. Meanwhile, Habit has no direct influence on Use Behavior.

IntroductionMobile banking has become an essential aspect of modern financial services, particularly among digitally literate populations such as Gen Z and Millennials. Despite the widespread adoption of mobile banking, understanding the factors influencing its use in specific cultural and demographic contexts remains underexplored. This study investigates the adoption of Bank Syariah Indonesia's (BSI) mobile banking services among Gen Z and Millennials in Yogyakarta using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) framework.ObjectivesThe research aims to identify and analyze the key factors driving the decision to adopt mobile banking services, focusing on intrinsic motivators such as performance expectancy, effort expectancy, hedonic motivation, price value, and habit, as well as external factors like social influence and facilitating conditions.MethodThis study employed a quantitative approach, collecting data from 124 respondents through structured questionnaires. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the relationships between the UTAUT2 factors and mobile banking adoption were evaluated.ResultsThe findings indicate that intrinsic factors, particularly habit, performance expectancy, and effort expectancy, significantly influence mobile banking adoption. Hedonic motivation and price value also play essential roles, whereas external factors such as social influence and facilitating conditions were found to have no significant impact.ImplicationsThe study underscores the importance of user-centered strategies that enhance functionality, ease of use, and emotional satisfaction. It suggests that financial institutions should focus on fostering habitual engagement and cost-effective services to drive adoption.Originality/NoveltyThis research contributes to the literature on digital financial services by offering insights into mobile banking adoption among Gen Z and Millennials in Indonesia, emphasizing the relevance of intrinsic motivators in a technologically advanced context.

The purpose of this paper is to examine the frequency of mobile banking use during COVID-19. Data were collected from 226 respondents. Data have been analyzed by applying the two-stage structural modeling technique through Partial Least Squares-Structural Equation Modeling (PLS-SEM). This study has found a significant positive impact of attitude towards mobile banking, subjective norms, and perceived behavior control on behavior intention mobile banking adoption. However, the risk perception of COVID-19 has no effect on the intention of mobile banking adoption. Based on the findings of this research, some theoretical and practical implications have been provided.

The adoption rate of mobile banking services (m-banking) has not reached the expected level, especially in developing countries and customers are less interested in the service. The purpose of the study was to analyze the influence of confirmation and perception of usability on the satisfaction of using Bank Sinarmas mobile banking, the effect of the perception of usability on the intention to reuse Bank Sinarmas mobile banking, the effect of the perception of usability and convenience on the attitude of Bank Sinarmas mobile banking, and the effect of user satisfaction and attitude on the intention to reuse mobile banking Bank Sinarmas. This quantitative study includes the research population of Bank Sinarmas customers who have used mobile banking services. The analysis method uses Partial Least Squares–Structural Equation Modelling (PLS-SEM). From the results of the research and discussion, the conclusions that can be drawn are that confirmation has a positive effect on the satisfaction of using Bank Sinarmas mobile banking, perception of usability has a positive effect on satisfaction with the use of Bank Sinarmas mobile banking, perception of usability has a positive effect on the intention to reuse Bank Sinarmas mobile banking, perception of usability has a positive effect on attitudes towards Bank Sinarmas mobile banking, perception of ease of use has a positive effect on the attitude of Bank Sinarmas mobile banking, user satisfaction has a positive effect on the intention to reuse Bank Sinarmas mobile banking, and attitude has a positive effect on the intention to reuse Bank Sinarmas mobile banking. Tingkat adopsi layanan mobile banking (m-banking) tidak mencapai tingkat yang diharapkan terutama di negara berkembang dan pelanggan kurang berminat terhadap layanan tersebut. Tujuan penelitian untuk menganalisis pengaruh konfirmasi dan persepsi kegunaan terhadap kepuasan penggunaan mobile banking Bank Sinarmas, pengaruh persepsi kegunaan terhadap intensi penggunaan kembali mobile banking Bank Sinarmas, pengaruh persepsi kegunaan dan kemudahan terhadap sikap pada mobile banking Bank Sinarmas, serta pengaruh kepuasan penggunaan dan sikap terhadap intensi penggunaan kembali mobile banking Bank Sinarmas. Penelitian ini kuantitatif dengan populasi penelitian nasabah Bank Sinarmas yang telah menggunakan layanan mobile banking. Metode analisis menggunakan Partial Least Squares–Structural Equation Modelling (PLS-SEM). Dari hasil penelitian dan pembahasan, maka kesimpulan yang dapat diambil adalah konfirmasi berpengaruh positif terhadap kepuasan penggunaan mobile banking Bank Sinarmas, persepsi kegunaan berpengaruh positif terhadap kepuasan penggunaan mobile banking Bank Sinarmas, persepsi kegunaan berpengaruh positif terhadap intensi penggunaan kembali mobile banking Bank Sinarmas, persepsi kegunaan berpengaruh positif terhadap sikap pada mobile banking Bank Sinarmas, persepsi kemudahan penggunaan berpengaruh positif terhadap sikap pada mobile banking Bank Sinarmas, kepuasan penggunaan berpengaruh positif terhadap intensi penggunaan kembali mobile banking Bank Sinarmas, dan sikap berpengaruh positif terhadap intensi penggunaan kembali mobile banking Bank Sinarmas.

The development of internet users and technology has influenced the banking industry to transform its services towards digital. XYZ Sharia Bank is one of the banks that implements a digital banking service strategy through mobile banking. The purpose of this study is to describe the characteristics of mobile banking users, then analyze what influences the behavioral intentions of users in increasing the intensity of mobile banking use, and provide recommendations for development strategies for Islamic Bank XYZ to increase the intensity of mobile banking use. The results of this study qualitatively indicate that the characteristics of XYZ Islamic Bank mobile banking users are dominated by millennial generation males. XYZ Syariah Bank is the choice for mobile banking services because of its practical and flexible use. In addition to general banking transactions, XYZ Syariah Bank mobile banking is also an option because it provides services to complement people's lifestyles, namely for digital wallet refills, online shopping payments through the marketplace/e-commerce. The results of the research quantitatively indicate that all of the variables studied, namely perceived usefulness, ease of use, interaction needs, perceived risk, perceived cost of use, trustworthiness, credibility, and compatibility with lifestyle and needs have a significant influence on the intensity of using Islamic Bank mobile banking XYZ, where the biggest factor in influencing the intensity of the use of XYZ Islamic Bank's mobile banking is compatibility with lifestyle and needs. Keywords: Digital Banking, Mobile Banking, Intensity of Using, Sharia Bank.

This study aims to determine the perpection of the use of Mobile banking on the ease of transactions. The method used is qualitative descriptive method with a Technology Acceptence Model (TAM) approach. The data collection in this study used a questionnaire users who had been selected as samples. This reseacrh was conducted based on several indicators including to determine the perception of use, benefits and ease of use Mobile banking in transactions, interest in transaction using Mobile banking and perceptions of risk in the use of mobile banking. The result reveal that in the perception of use, many respondents know and use Mobile banking applications in transactions, and can provide benefits, convenience, and risk that occur.

PurposeIn recent years, the usage rate of electronic money (e-money) has grown rapidly in many countries around the world and is becoming widely accepted in developing nations due to evolving market conditions and buying patterns. This study explores the determinants of customers' behavioural intention (BI) and actual usage behaviour (UB) of e-money service in a transition economic setting. Additionally, since there has been limited research on moderating influences, this study introduces perceived risk (PR) as a moderator, underpinned by relevant technology acceptance and behavioural theories.Design/methodology/approachThe proposed model and hypothesised variable relationships are tested using partial least squares-structural equation modelling (PLS-SEM) with survey data from 337 e-money service users in Indonesia.FindingsThe empirical results revealed that facilitating conditions (FCs), hedonic motivation (HM), price value (PV), habit (HT) and PR are important determinants of customers’ BI towards e-money and most of these variables also affect actual UB of e-money services. Performance expectancy (PE), effort expectancy (EE) and social influence (SI) emerged to be insignificant determinants. The study also uncovered that PR negatively moderates the links between EE, SI, HM, PV and BI towards e-money services. Likewise, PR has an adverse effect on the BI–actual UB relationship.Research limitations/implicationsA large portion of the sample comprised young individuals with tertiary education. In essence, the sample represents the millennial generation and they are generally characterised as responsive, innovative and technology literate. Future studies could advance the present understanding by comparing different customer backgrounds and country.Practical implicationsThe results shed light into the key factors that enhance e-money usage behaviours and have direct managerial implications with regard to brand strategy and market targeting. The findings imply that e-money service providers should take initiatives to retain users with effective and personalised marketing efforts, particularly via mobile media brand promotions.Originality/valueWhile there has been considerable discussion on how PR may impact on initial preference and adoption of e-money, existing studies seem to fall short in conceptualising and empirically examining the moderating role of PR on the determinants and outcome of e-money BI.

Abstract. This research aims to examine the influence of habit, price value, and hedonic motivation on the usage of digital e-wallet-based accounting information systems by SMEs in the city of Bandung. The data used in this study is primary data collected using questionnaires. The population in this research consists of SMEs in Bandung using e-wallets, with a sample size of 350 respondents selected through purposive sampling. The analysis tool used in this study is Partial Least Squares Structural Equation Modeling (PLS-SEM). The research findings indicate that habit has a significant positive impact on the usage of digital e-wallet-based accounting information systems. Price value also has a significant positive influence on the usage of digital e-wallet-based accounting information systems. Additionally, hedonic motivation significantly affects the usage of digital e-wallet-based accounting information systems. Abstrak. Penelitian ini bertujuan untuk menguji pengaruh habit, price value, dan hedonic motivation terhadap pengguna sistem informasi akuntansi berbasis digital e-wallet pada UMKM di Kota Bandung. Data yang digunakan dalam penelitian ini adalah data primer yang dikumpulkan menggunakan kuesioner. Populasi dalam penelitian ini adalah UMKM di Kota Bandung yang menggunakan e-wallet dengan teknik pengambilan sampel dilakukan dengan purposive sampling yang menghasilkan sampel sebanyak 350 responden. Alat analisis yang digunakan dalam penelitian ini adalah Partial Least Squares Structural Equation Modelling (PLS-SEM). Hasil penelitian menunjukkan bahwa habit berpengaruh positif signifikan terhadap pengguna sistem informasi akuntansi berbasis digital e-wallet. Price value berpengaruh positif signifikan terhadap pengguna sistem informasi akuntansi berbasis digital e-wallet. Hedonic motivation berpengaruh positif signifikan terhadap pengguna sistem informasi akuntansi berbasis digital e-wallet.