PENERAPAN MODEL UTAUT (THE UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY) TERHADAP MINAT DAN PERILAKU MASYARAKAT KOTA SURABAYA MENGGUNAKAN MOBILE BANKING BANK SYARIAH INDONESIA

APPLICATION OF THE UTAUT MODEL (THE UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY) TOWARDS THE INTERESTS AND BEHAVIOR OF THE SURABAYA CITY COMMUNITY USING BANK SYARIAH INDONESIA MOBILE BANKING

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi minat dan perilaku penggunaan mobile banking BSI di Kota Surabaya dengan memanfaatkan model UTAUT. Metode penelitian yang diterapkan melalui pendekatan kuantitatif, dengan pengumpulan data primer melalui penyebaran kuesioner dalam bentuk google from. Pengambilan sampel dilakukan melalui teknik purposive sampling dengan kriteria partisipan yang merupakan penduduk Kota Surabaya, berusia antara 17 hingga 60 tahun, dan telah menggunakan layanan mobile banking BSI. Implikasi dari hasil penelitian menunjukkan bahwa konstruk dalam model UTAUT seperti performance expectancy, effort expectancy, social influence memiliki pengaruh yang signifikan terhadap minat dalam penggunaan mobile banking BSI. Sedangkan facilitating conditions dan minat juga memiliki pengaruh yang signifikan terhadap perilaku penggunaan mobile banking BSI. Dengan diterapkannya model UTAUT maka pemahaman tentang minat dan perilaku pengguna mobile banking BSI dapat dilakukan secara komprehensif.

Kata kunci : mobile banking, UTAUT, minat, perilaku

This research aims to analyze the factors that influence interest and behavior in using BSI mobile banking in the city of Surabaya by utilizing the UTAUT model. The research method applied is through a quantitative approach, with primary data collection through distributing questionnaires in the form of Google from. Sampling was carried out using a purposive sampling technique with the criteria being that participants were residents of Surabaya City, aged between 17 and 60 years, and had used BSI mobile banking services. The implications of the research results show that constructs in the UTAUT model such as performance expectancy, effort expectancy, social influence have a significant influence on interest in using BSI mobile banking. Meanwhile, facilitating conditions and interests also have a significant influence on BSI mobile banking usage behavior. By implementing the UTAUT model, understanding the interests and behavior of BSI mobile banking users can be done comprehensively.

Keywords: mobile banking, UTAUT, interest, behavior