PERAN UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) DALAM MEMPREDIKSI ADOPSI LAYANAN INTERNET BANKING DI ERA DIGITAL: STUDI PADA MASYARAKAT INDONESIA
DOI:
https://doi.org/10.15575/jb.v5i2.59642Keywords:
UTAUT, Internet Banking, Intention to Adopt.Abstract
Transformasi digital telah mendorong perkembangan layanan perbankan berbasis teknologi, termasuk internet banking, namun adopsi di Masyarakat Indonesia. Tujuan penelitian ini untuk mengetahui bagaimana pengaruh komponen Unified Theory of Acceptance and Use of Technology (UTAUT) terhadap niat masyarakat Indonesia dalam mengadopsi layanan internet banking. Metode studi ini menerapkan pendekatan berupa kuantitatif dengan teknik pengambilan sampel yang bersifat purposive. Data utama dikumpulkan melalui kuesioner yang diisi oleh 245 peserta yang telah memiliki pengalaman dalam menggunakan internet banking. Metode analisis yang digunakan adalah Partial Least Squares (PLS) untuk mengevaluasi keterkaitan antara variabel-variabel. Hasil penelitian mengindikasikan bahwa setiap elemen UTAUT berpengaruh positif dan signifikan terhadap intention to adopt. Model memiliki kecocokan yang baik, sedangkan kemampuan prediksi terhadap niat adopsi berada pada kategori moderat. Penelitian ini menyimpulkan bahwa manfaat yang dirasakan, kemudahan penggunaan, pengaruh lingkungan dan faktor yang berkaitan dengan niat seseorang dalam memanfaatkan layanan internet banking di Indonesia.
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