DETERMINANTS OF BRImo ACCEPTANCE AND USE: A PERSPECTIVE FROM THE MODELUNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY 2 (UTAUT2) MODEL

Abstract

This study aims to examine the factors that influence behavioral intention and behavior of using BRImo using the perspective of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model. The research sample was 300 BRI bank employees in Surabaya City. Data were analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). This study found that performance expectations, effort expectations, facilitating conditions, hedonic motivation, and price value have a positive effect on behavioral intention to use BRImo and facilitating conditions, habits, and behavioral intentions have a positive impact on BRImo usage behavior. The behavioral intention of younger users (20-29 years old) is strengthened by performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, and price value while older users (30-39 years old) are strengthened by effort expectancy and social influence. Male users' behavioral intention is strengthened by performance expectancy, effort expectancy, hedonic motivation, and habits while females are strengthened by performance expectancy, effort expectancy, and price value. The behavioral intention of 2-year users is strengthened by facilitating conditions and habits; 3-year users are strengthened by effort expectations; and 4-year users are strengthened by effort expectations and facilitating conditions. In addition, the usage behavior of 1 and 2-year users is strengthened by behavioral intentions. The behavioral intention of users with education level diploma IV is strengthened by performance expectancy; bachelor’s degree is strengthened by effort expectancy, facilitating conditions, hedonic motivation, and price value; and master’s degree is strengthened by effort expectancy and social influence.