Electronic Theses and Dissertation

Penggunaan teknologi dalam era digital semakin diperlukan dalam kehidupan untuk menunjang berbagai aspek. Salah satunya teknologi yang dirancang untuk memudahkan nasabah dalam mengakses layanan perbankan secara online. BSI Mobile merupakan salah satu produk perbankan mobile banking dari Bank Syariah Indonesia. Mobile banking memberikan nasabah untuk mengakses layanan perbankan melalui perangkat seluler. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi penggunaan BSI Mobile dengan menggunakan model Unified Theory of Acceptance and Use of Technology 2 (UTAUT-2). Populasi penelitian adalah seluruh mahasiswa Pendidikan Ekonomi FKIP USK angkatan 2020-2023 dengan teknik probability sampling proportionate stratified random sampling. Teknik pengumpulan data menggunakan kuesioner/angket. Metode analisis data menggunakan uji validitas dan reliabilitas, uji asumsi klasik, uji regresi linear berganda, dan uji hipotesis (uji t dan uji f) menggunakan bantuan software IBM SPSS versi 25.0. Berdasarkan hasil uji t diketahui bahwa variabel performance expectancy memiliki nilai thitung 3,506 > ttabel1,995 maka H1 diterima, variabel effort ecpectancy nilai thitung 3,187 > ttabel1,995 maka H2 diterima, variabel Social influence nilai thitung 0,508 < ttabel1,995 maka H3 ditolak, variable Facilitating conditions nilai thitung -1,230 < ttabel1,995 maka H4 ditolak, dan variabel hedonic motivation nilai thitung 2,714 > ttabel1,995 maka H5 diterima. Berdasarkan uji F performance expectancy (X1), effort ecpectancy (X2), social influence (X3), facilitating conditions (X4), dan hedonic motivation (X5) secara simultan berpengaruh signifikan terhadap penggunaan BSI Mobile dan nilai R Square sebesar 60% yang berarti variasi nilai penggunaan BSI Mobile yang dapat dijelaskan oleh variabel lain sebesar 40%.

Kata kunci: UTAUT-2, BSI Mobile, penggunaan.

The use of technology in the digital era is increasingly necessary in life to support various aspects. One of them is technology designed to make it easier for customers to access banking service online. BSI Mobile is on of the mobile banking products from BSI. Mobile banking provides customers to access banking service via mobile device. The purpose of this research is to analize the factors that influence the use of BSI Mobile using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT-2) model. The research population was Economics Education Students of FKIP USK class of 2020-2023 with pobability sampling technique proportionate stratified random sampling. The data collection technique used a questionnaire. The data analysis method uses validity and reliability test, classical assumption tests, multiple linear regression test, and hypothesis testing (t test and F test) using the help of IBM SPSS software version 25.0. based on the result of the t test, it is known that the performance expectancy variabel has tvalue 3,506 > ttable1,995, so H1 is accepted, the effort expectancy variable tvalue 3,187 > ttable 1,995, so H2 is accepted, Social influence variable tvalue 0,508 < ttable 1,995 then H3 is rejected, variable Facilitating conditions tvalue -1,230 < ttable 1,995 then H4 is rejected, and hedonic motivation variable tvalue 2,714 > ttable 1,995 then H5 is accepted. Based on the F test, performance expectancy (X1), effort expectancy (X2), social influence (X3), facilitating conditions (X4), and hedonic motivation (X5) simultaneously have a significant effect on the use of BSI Mobile and the R Square value of 60%, which means that the variation in the value of using BSI Mobile which can be explained by other variables is 40%. Keywords: UTAUT-2, BSI Mobile, Use the System