Analysis of Factors Affecting Adoption of Mobile Banking Application in Indonesia

Mufingatun Mufingatun, Budi Prijanto


The development of information technology makes banking provide mobile banking service applications in Indonesia as an easy, convenient and fast service. However, there are still many customers who do not have a mobile banking account. In addition, the use of currency is still in demand by the soceity. Therefore, the purpose of this study is to determine the factors that influence consumer acceptance in the context of mobile banking applications. This study uses the Unified Theory of Acceptance and Use of Technology (UTAUT2) model which is modified by adding the variable perceived credibility and perceived self-efficacy. This research model was tested using 205 respondents from online surveys in the Jabodetabek, Indonesia. Data was analyzed using Partial Least Square (PLS).  Performance expectancy, effort expectancy, social influence has a significant effect on behavioral intention. Performance expectancy is the factor that most influences the behavior intention. Behavioral intention, facilitating condition and habit has a significant effect on reuse behavior.


mobile banking, UTAUT2, perceived credibility, perceived self-efficacy

Full Text:



Abushanab, Emad, J.Michael Perason and Andrew J.Setterstrom. 2010. Internet Banking and Customers’ Acceptance in Jordan: The Unified Model’s Perspective. Communications of the Association for Information Systems : Article 26, Volume 26.

Abuzwida, Bashir, Zulkiplie Abd Ghani and Faizal Bin Kasmani. 2017. Study Of Relationship Between Utuat Factors and Intention Towards Usage E-Management In Libyan Petroleum Industry. International Journal of Management, Innovation & Entrepreneurial Research EISSN: 2395-7662, Vol. 3, No 2, September 2017, pp 61-66.

APJII. 2016. Buletin APJII Edisi 05 November 2016. Access on website APJII : /on 25 November 2017.

Arahita, Ceva Lavenja and Jurry Hatammimi. 2015. Factors Affecting the Intention to Reuse. International Journal of Research in Business and Social Science IJRBS ISSN: 2147-4478 Vol.4 No.4, 2015 Mobile Banking Service.

Azis, Elvira and Ragil Muhammad Kamal. 2016. Adoption of A Consumer Technology Online Shopping with Model MSMEs Unified Theory of Acceptance and Use of Technology 2 .CR Journal Vol.02 No.01

Baptista, Goncalo and Tiago Oliveira. 2015. Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators. Computers in Human Behavior 50 (2015) 418–430.

Bhimasta, Raden Agoeng .2017. Determinant Factors Of Consumer Adoption Toward Intention To Use Mobile Wallet : A Case Study Indonesian Y Generation. S2 Thesis, UAJY.

Brown, I., C. Zaheeda, D. Douglas, and S. Stroebel. 2003. Cell phone banking: predictors of adoption in South Africa – an exploratory study. International Journal of Information Management, Vol. 23: 381-394.

Foon, Yeoh Sok and Benjain Chan Yin Fah. 2011. Internet Banking Adoption in Kuala Lumpur: An Application of UTAUT Model. International Journal of Business and Management : Vol. 6, No.4.

Gaitan, Jorge Arenas-Gaitan, Begona Peral-Peral and Maria Angeles Ramon-Jeronimo. 2015. Elderly and Internet Banking: An Application of UTAUT2. Journal of Internet Banking and Commerce, April 2015, vol. 20, no. 1.

Hass, N., and Lehner, F. 2009. Knowledge Management Success Factors - Proposal of an Empirical Research. Proceedings of the 10th European Conference on Knowledge Management.

Jeong , Bong-Keun and Tom E Yoon. 2013. An Empirical Investigation on Consumer Acceptance of Mobile Banking Services. Business and Management Research Vol. 2, No. 1; 2013.

Karma, N.G., Ibrahim, S.B. and Ali, A.H. 2014. Key factors affecting mobile banking adoption among banks’ customers in Sudan. International Journal of Liberal Arts and Social Science, 2(6), 112-122.

Kazi, A.K. and Mannan, M.A. 2013. Factors affecting adoption of mobile banking in Pakistan: Empirical Evidence. International Journal of Research in Business and Social Science, 2(3), 54-61.

Kit, A. K., Ni, A. H., Badri, E. N., and Yee, T. K. .2014.. UTAUT2 influencing the behavioural intention to adopt mobile applications .Bachelor Thesis. Universiti Tunku Abdul Rahman.

Laforet, S. and X. Li. 2005. Consumers’ attitudes towards online and mobile banking in China. International Journal of Bank Marketing, Vol. 23, No. 5: 362-380, 2005.

Latan, H., and Ghozali, I. 2012. Partial Least Squares: Konsep, Teknik, dan Aplikasi Menggunakan Program SmartPLS 2.0 M3. Semarang: Badan Penerbit Universitas Diponegoro.

Lewis, C. C., Fretwell, C. E., Ryan, J., & Parham, J. B. 2013. Faculty use of established and emerging technologies in higher education: A unified theory of acceptance and use of technology perspective. International Journal of Higher Education, 2(2), 22-34.

Luarn, P. and H. H. Lin. 2005. Toward an understanding of the behavioral intention to use mobile banking. Computers I Human Behavior, Vol. 21: 873-891.

Magni, Massimo, M. Susan Taylor and Visnawath Venkatesh. 2010. ‘To play or not play’: A cross-temporal investigation usinh hedonic and instrumental perspective to explain user intentions to explore a technology. Int. J.Human-Computer Studies 68(2010) 572–588.

Mars Indonesia. 2013. Awareness & Penetrasi Mobile banking Melonjak Tinggi. Access from Website Newsletter Mars Indonesia: on 11 November 2017.

Nair , Ranjini S. and Shaniba Fasal. 2017. Mobile Banking and its Adopting Challenges. International Journal of Computer Applications (0975 – 8887) Volume 160 – No 4, February 2017.

Natarjan, T., S. A. Balasubrmanian, and S. Manickavasagam. 2010. Customer’s choice amongst self service technology (SST) channels in retail banking: A study using analytical hoierarchy process (AHP). Journal of Internet Banking and Commerce, Vol. 15, No. 2: 1-16.

Nayak, Nitin. Vikas Nath and Nancy Goel. 2014. A Study Of Adoption Behaviour Of Mobile Banking Services By Indian Consumers. International Journal of Research in Engineering & Technology (IMPACT: IJRET) ISSN(E): 2321-8843; ISSN(P): 2347-4599 Vol. 2, Issue 3, Mar 2014, 209-222.

Nugroho, Priyatmoko, Wing Wahyu Winarmo and Rudy Hartanto.2017. Faktor-Faktor yang Mempengaruhi Niat Menggunakan Mobile payment dengan Pendekatan Extended The Unified Theory of Acceptance and Use of Technology. Jurnal CITEE.

Otoritas Jasa Keuangan (OJK). 2015. Bijak Ber-eBanking. Access on website OJK :

/on 25 November 2017.

Pertiwi, Ni Wayan Dewi Mas Yogi and Dodik Ariyanto. 2017. Penerapan Model UTAUT2 untuk Menjelaskan Minat dan Perilaku Penggunaan Mobile Banking Di Kota Denpasar. E-Jurnal Akuntansi Universitas Udayana Vol.18.2. Februari (2017): 1369-1397.

Rahmayani, Indah. 2015. Indonesia Raksasa Teknologi Digital Asia. Diakses dari Website Kominfo : pada 11 November 2017.

Rema, Yasinta Oktaviana L. and Djoko Budianto Steyohadi. 2016. Faktor-Faktor yangg Mempengaruhi Penerimaan Mobile Banking Studi Kasus : Bri Cabang Bajawa. Seminar Riset Teknologi Informasi (SRITI).

Riquelme, H. and R. E. Rios. 2010. The moderating effect of gender in the adoption of mobile banking. International Journal of Bank Marketing, Vol. 28, No. 5: 328- Safeena, R., Hundewale, N., dan Kamani, A. 2011. Customer’s adoption of mobile commerce: a study on emerging economy. International Journal of e-Education, e-Business, e-Management and e-Learning, 1(3), 228-233.341.

Sripalawat , Jiraporn, Mathupayas Thongmak & Atcharawan Ngramyarn. 2011. M-Banking in Metropolitan Bangkok and a Comparison with other Countries. Journal of Computer Information Systems, 51:3, 67-76.

Tarhini, Ali, Mazen El-Masri, Maged Ali, and Alan Serrano .2016.Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon A structural equation modeling approach,. Information Technology & People, Vol. 29 Iss 4 pp. 830 – 849

Tempo. 2016. Pengguna Mobile Banking di Indonesia Masih Rendah. Access from dari Website : / on 11 November 2017

Venkantesh, Viswanath, James Y. L. Thong, and Xin Xu. 2012. Consumer Acceptance and Use of Information Technology : Extending The Unified Theory of Acceptance and Use of Technology. MIS Quartely Vol. 36 No.1.

Venkatesh, V., M. G. Morris, G. B. Davis, and F. D. Davis.2003. User acceptance of information technology: Toward a unified view. MIS Quarterly, Vol. 27, No. 3: 425-478, 2003.

Wang, Y. S., Y. M. Wang, H. H. Lin, and T. I. Tang. 2003. Determinants of user acceptance of Internet banking: an empirical study. International Journal of Service Industry Management, Vol. 14, No. 5: 501-519.

Yu, Chian-So. 2012. Factors Affecting Indivduals to Adopt Mobile Banking Empirical Evidence From the UTAUT Model. Journal of Electronic Commerce Research, Vol. 13, No.2.

DOI: Abstract - 0 PDF - 0


  • There are currently no refbacks.

Hasil gambar untuk DOAJCrossRefBASE-Search Open Archives Initiative


View My Stats