Analysis of Factors Influencing Interest in the Use of Digital Banks Using UTAUT 2 Model Approach

Abstract

This study aims to identify and evaluate the indicators that impact the interest in utilizing digital banks in Indonesia, employing the UTAUT 2 model and a probability sampling technique. This quantitative study incorporates effort expectancy, performance expectancy, social influence, hedonic motivation, facilitating conditions, price value, behavioral intention, habit, and usage behavior as key indicators. Data were gathered through surveys completed by 256 users of various digital banks in Indonesia. The analysis employed the Structural Equation Model (SEM) with Partial Least Squares (PLS) methodology. Findings indicate that social influence, hedonic motivation, and habit significantly influence the intention to use digital banks. Additionally, behavioral intention, facilitating conditions, and habit markedly affect the actual use of digital banks in Indonesia. Conversely, performance expectancy, effort expectancy, price value, and facilitating conditions do not show a significant effect on behavioral intention.

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