Determining Factors of the Use of Intention of Digital Banking in Indonesia (Empirical Evidence Using UTAUT 2 Model Modification)

Yenni Carolina (), Trimanto Setya Wardoyo, Rini Handayani, Aurora Angela and Cynthia Glennisa
Additional contact information
Yenni Carolina: Maranatha Christian University
Trimanto Setya Wardoyo: Maranatha Christian University
Rini Handayani: Maranatha Christian University
Aurora Angela: Maranatha Christian University
Cynthia Glennisa: Maranatha Christian University

A chapter in Selected Papers from the 10th International Conference on E-Business and Applications 2024, 2024, pp 171-185 from Springer

Abstract: Abstract In Indonesia, traditional banking is being replaced by a fast-expanding industry known as digital banking. Within this investigation, the modified UTAUT2 model will be used to examine the factors that influence users’ intentions and actions when using digital banking. Performance expectations, business expectations, sociocultural variables, enabling situations, hedonistic motivation, pricing values, habits, and a sense of security are among the elements considered in UTAUT2. Students from the Z generation served as respondents in this study. SEM PLS was used to process the obtained data. The findings of this study demonstrate that factors such as effort expectation, enabling conditions, performance expectation, economic benefit, social influence, and a sense of security positively impact willingness to employ digital banking. Hedonic incentive, however, has no effect on behavioral intention since Generation Z tends to view digital banking services as technological advancements that must be exploited rather than as a means of elevating their status. The research's findings are anticipated to advance accounting understanding and offer guidance to banking professionals in the creation of services in digital banking.

Keywords: CCS CONCEPTS; Digital Banking; Digital Technology; UTAUT2 (search for similar items in EconPapers)
Date: 2024
References: Add references at CitEc
Citations:

There are no downloads for this item, see the EconPapers FAQ for hints about obtaining it.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-981-97-3409-2_15

Ordering information: This item can be ordered from
http://www.springer.com/9789819734092

DOI: 10.1007/978-981-97-3409-2_15

Access Statistics for this chapter

More chapters in Springer Books from Springer
Bibliographic data for series maintained by Sonal Shukla () and Springer Nature Abstracting and Indexing ().