EVALUASI PENERIMAAN APLIKASI WONDR BY BNI MENGGUNAKAN UTAUT 2
DOI:
https://doi.org/10.31849/zn.v7i2.26302Keywords:
Mobile Banking, Wondr by BNI, UTAUT, PLS-SEM, Smart PLSAbstract
Bidang perbankan di Indonesia terus berkembang seiring dengan digitalisasi layanan, mendorong inovasi baru untuk meningkatkan kepuasan nasabah. BNI sebagai salah satu bank terkemuka meluncurkan mobile banking Wondr by BNI sebagai bagian dari transformasi digitalnya. Namun, banyaknya keluhan pengguna di Google Play Store menimbulkan keraguan dalam adopsi aplikasi ini, sehingga diperlukan analisis penerimaan teknologi menggunakan UTAUT2. Penelitian ini menggunakan metode kuantitatif dengan purposive sampling, melibatkan 452 responden yang telah menggunakan aplikasi minimal dua minggu di Surabaya. Analisis dilakukan dengan SEM-PLS menggunakan SmartPLS 4.0. Hasil penelitian menunjukkan bahwa Habit, Hedonic Motivation, Price Value, dan Social Influence berpengaruh signifikan terhadap Behavioral Intention, sedangkan Performance Expectancy, Effort Expectancy, dan Facilitating Conditions tidak memiliki pengaruh signifikan. Temuan ini memberikan wawasan bagi pengembangan strategi pemasaran dan peningkatan fitur aplikasi guna meningkatkan adopsi mobile banking di Indonesia.
References
We Are Social, “DIGITAL 2024: INDONESIA.” [Online]. Available: https://datareportal.com/reports/digital-2024-indonesia
J. Choudrie, J. Chike-Obuekwe, M. Brad, and R. Shahper, “Understanding and Conceptualising the Adoption, Use and Diffusion of Mobile Banking in Older Adults: A Research Agenda and Conceptual Framework Abstract,” vol. 72, no. 294, pp. 0–9, 2018.
M. Mufingatun, B. Prijanto, and H. Dutt, “Analysis of factors affecting adoption of mobile banking application in Indonesia: an application of the unified theory of acceptance and use of technology (UTAUT2),” vol. 12, no. 2, pp. 88–106, 2020, doi: 10.26740/bisma.v12n2.p88-106.
R. Daga, F. Nawir, and D. Pratiwi, “Strategies to Improve Service Quality Through Digitalization of Banking Services at PT. Bank Negara Indonesia (Persero) Tbk,” Quant. Econ. Manag. Stud., vol. 2, no. 5, 2021, doi: 10.35877/454ri.qems359.
BNI, “BNI Luncurkan wondr by BNI, Dukung Masyarakat Indonesia Wujudkan Impian Finansial.” [Online]. Available: https://www.bni.co.id/id-id/beranda/kabar-bni/berita/articleid/23546
V. Venkatesh, M. G. Morris, G. B. Davis, and F. D. Davis, “User Acceptance of Information: Towar a Unified View,” MIS Q., vol. 27, no. 3, pp. 425–478, 2003, [Online]. Available: https://www.jstor.org/stable/30036540
V. Venkatesh, J. Y. L. Thong, and X. Xu, “Venkatesh_Thong_Xu_MISQ_forthcoming (GENDER AGE EXPERIENCE),” MIS Q., vol. 36, no. 1, pp. 157–178, 2012.
B. Eneizan, A. G. Mohammed, A. Alnoor, A. S. Alabboodi, and O. Enaizan, “Customer acceptance of mobile marketing in Jordan: An extended UTAUT2 model with trust and risk factors,” Int. J. Eng. Bus. Manag., vol. 11, pp. 1–10, 2019, doi: 10.1177/1847979019889484.
R. Alviani, B. Purwandari, I. Eitiveni, and M. Purwaningsih, “Factors Affecting Adoption of Telemedicine for Virtual Healthcare Services in Indonesia,” J. Inf. Syst. Eng. Bus. Intell., vol. 9, no. 1, pp. 47–69, 2023, doi: 10.20473/jisebi.9.1.47-69.
P. D. Yuliana and A. Aprianingsih, “Factors involved in adopting mobile banking for Sharia Banking Sector using UTAUT 2,” J. Keuang. dan Perbank., vol. 26, no. 1, pp. 184–207, 2022, doi: 10.26905/jkdp.v26i1.6858.
S. Aniek, “Effects of UTAUT 2 Model on the Use of BCA Mobile Banking in Indonesia,” Turkish J. Comput. Math. Educ., vol. 12, no. 3, pp. 5378–5387, 2021, doi: 10.17762/turcomat.v12i3.2183.
Sugiyono, Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung : Alphabet. 2019.
J. W. Creswell, “Qualitative, Quantitative, and Mixed-Methods Research,” SAGE Publ., vol. 3, p. 39, 2014, doi: 10.1128/microbe.4.485.1.
D. P. Turner, “Sampling Methods in Research Design,” Headache, vol. 60, no. 1, pp. 8–12, 2020, doi: 10.1111/head.13707.
N. S. Desvira and M. F. Aransyah, “Analysis of Factors Influencing Interest and Behavior in Using ShopeePay Features Using the Unified Theory of Acceptance and Use of Technology (UTAUT2) Model,” J. Sisfokom (Sistem Inf. dan Komputer), vol. 12, no. 2, pp. 178–191, 2023, doi: 10.32736/sisfokom.v12i2.1594.
J. F. Hair Jr., B. William C., B. Barry J., and A. Rolph E., Multivariate Data Analysis (Sixth Edition), vol. 19, no. 3. 2019. doi: 10.5117/2006.019.003.007.
I. Ghozali, “PLS SMARTPLS 3.0.” 2012.
Deasy Safitri, J. F. Sofyan, D. A. Negoro, and A. Kusmayadi, “Analisis Behavioral Intention Mobile Banking dengan Model UTAUT2,” Innov. J. Soc. Sci. Res., vol. 4, no. 3, pp. 571–587, 2024, doi: 10.31004/innovative.v4i3.10417.
M. Merhi, K. Hone, and A. Tarhini, “A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: Extending UTAUT2 with security, privacy and trust,” Technol. Soc., vol. 59, no. January, p. 101151, 2019, doi: 10.1016/j.techsoc.2019.101151.
A. Faroqi, T. L. M. Suryanto, D. S. Y. Kartika, A. Pratama, S. Mukaromah, and M. T. Hidayat, “ANALISIS PENERIMAAN DAN PENGGUNAAN APLIKASI UJIAN ONLINE SEKOLAH ANALYSIS OF ACCEPTANCE AND USE OF SCHOOL ONLINE EXAM,” no. September, pp. 10–11, 2022.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 ZONAsi: Jurnal Sistem Informasi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
CC BY-SA 4.0
Attribution-ShareAlike 4.0
You are free to:
- Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
- Adapt — remix, transform, and build upon the material for any purpose, even commercially.
- The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
- Attribution — You must give appropriate credit , provide a link to the license, and indicate if changes were made . You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
- ShareAlike — If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation .
No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
