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Abstract
Transaksi mobile adalah sistem masa depan sebagai langkah mempermudah layanan transaksi finansial perbankan. Saat ini kegiatan perbankan didominasi oleh layanan digital m-banking. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor penentu niat untuk terus menggunakan layanan m-banking di kota Klaten. Penelitian ini mengadaptasi model UTAUT dengan variabel kontak, komunikasi, persepsi hiburan, persepsi gamifikasi, persepsi nilai, niat untuk menggunakan kembali. Pengujian model dan hipotesis dilakukan dengan menggunakan sampel 84 responden dengan populasinya pernah menggunakan aplikasi perbankan m-banking. Adapula teknik pengambilan sampel dengan metode non-probability sampling. Structural equation modelling (SEM) dan dilakukan analisis menggunakan partial least square (PLS) dengan software SmartPLS v 3.0. Hasil penelitian ini menunjukkan bahwa variabel kontak, komunikasi, dan persepsi gamifikasi memiliki efek positif dan signifikan terhadap persepsi nilai m-banking. Persepsi nilai memiliki efek positif dan signifikan terhadap niat untuk menggunakan kembali m-banking serta persepsi hiburan memiliki efek positif namun tidak signifikan terhadap persepsi nilai m-banking.
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Copyright (c) 2022 Anditori Ramadhan, Anjar Priyono
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References
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- Radovic M.M., and Salamzadeh, A. (2018). The Importance of Communication in Business Management, The 7th International Scientific Conference on Employment, Education and Entrepreneurship, Belgrade, Serbia.
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References
Asastani, H. L. et al. (2019) ‘Factors Affecting the Usage of Mobile Commerce using Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT)’, 1st 2018 Indonesian Association for Pattern Recognition International Conference, INAPR 2018 - Proceedings, pp. 322–328. doi: 10.1109/INAPR.2018.8627003.
Ciunova-Shuleska, A., Palamidovska-Sterjadovska, N. and Prodanova, J. (2022) ‘What drives m-banking clients to continue using m-banking services?’, Journal of Business Research, 139, pp. 731–739. doi: 10.1016/j.jbusres.2021.10.024.
Dehghani, M., Kim, K. J. and Dangelico, R. M. (2018) ‘Will smartwatches last? factors contributing to intention to keep using smart wearable technology’, Telematics and Informatics, 35(2), pp. 480–490. doi: 10.1016/j.tele.2018.01.007.
Dewi (2019) ‘Pengaruh Gamifikasi Pada Program Loyalitas Terhadap Loyalitas Pengguna Marketplace Dengan Menggunakan Expectation-Confirmation Model’. Skripsi. Jakarta: Program Studi Sistem Informasi, Fakultas Sains dan Teknologi Universitas Islam Negeri Syarif Hidayatullah Jakarta.
Ghozali, I. (2008) Structural equation modeling: Metode alternatif dengan partial least square (pls). Badan Penerbit Universitas Diponegoro.
Gu, J. C., Lee, S. C. and Suh, Y. H. (2009) ‘Determinants of behavioral intention to mobile banking’, Expert Systems with Applications, 36(9), pp. 11605–11616. doi: 10.1016/j.eswa.2009.03.024.
Hair, J. F., Ringle, C. M. and Sarstedt, M. (2011) ‘PLS-SEM: Indeed a silver bullet’, Journal of Marketing theory and Practice, 19(2), pp. 139–152.
Jiang, G., Peng, L. and Liu, R. (2015) ‘Mobile Game Adoption in China: the Role of TAM and Perceived Entertainment, Cost, Similarity and Brand Trust’, International Journal of Hybrid Information Technology, 8(4), pp. 213–232. doi: 10.14257/ijhit.2015.8.4.24.
Jun, M. and Palacios, S. (2016) ‘Examining the key dimensions of mobile banking service quality: an exploratory study’, International Journal of Bank Marketing, 34(3), pp. 307–326. doi: 10.1108/IJBM-01-2015-0015.
Karjaluoto, H. et al. (2019) ‘How perceived value drives the use of mobile financial services apps’, International Journal of Information Management, 47, pp. 252–261. doi: 10.1016/j.ijinfomgt.2018.08.014.
Leon, M.V.D., Atienza, R.P. and Susilo, D. (2020) ‘Influence of self-service technology (SST) service quality dimensions as a second-order factor on perceived value and customer satisfaction in a mobile banking application’, Cogent Business and Management, 7(1). doi: 10.1080/23311975.2020.1794241.
Li, Y. and Shang, H. (2020) ‘Service quality, perceived value, and citizens’ continuous-use intention regarding e-government: Empirical evidence from China’, Information and Management, 57(3), p. 103197. doi: 10.1016/j.im.2019.103197.
Loekamto, A. (2012) ‘Implementasi Technology Acceptance Model (Tam) Dalam Online Shopping’, Kajian Ilmiah Mahasiswa Manajemen, 1(3), pp. 1–5.
Radovic M.M., and Salamzadeh, A. (2018). The Importance of Communication in Business Management, The 7th International Scientific Conference on Employment, Education and Entrepreneurship, Belgrade, Serbia.
Özkan, P. et al. (2020) ‘The effect of service quality and customer satisfaction on customer loyalty: The mediation of perceived value of services, corporate image, and corporate reputation’, International Journal of Bank Marketing, 38(2), pp. 384–405. doi: 10.1108/IJBM-03-2019-0096.
Pertiwi, Wahyunanda Kusuma (2021) jumlah pengguna ponsel di dunia tembus 5 miliar, kompas.com. Available at: https://tekno.kompas.com/read/2021/09/02/09144137/jumlah-pengguna-ponsel-di-dunia-tembus-5-miliar (Accessed: 14 March 2022).
Prodanova, J., Ciunova-Shuleska, A. and Palamidovska-Sterjadovska, N. (2019) ‘Enriching m-banking perceived value to achieve reuse intention’, Marketing Intelligence and Planning, 37(6), pp. 617–630. doi: 10.1108/MIP-11-2018-0508.
Rabaa’i, A. A. and ALMaati, S. A. (2021a) ‘Exploring the Determinants of Users’ Continuance Intention to Use Mobile Banking Services in Kuwait: Extending the Expectation-Confirmation Model’, Asia Pacific Journal of Information Systems, 31(2), pp. 141–184. doi: 10.14329/apjis.2021.31.2.141.
Serafica, G. (2020a) bank: pengertian, fungsi, dan jenisnya, kompas.com. Available at: https://www.kompas.com/skola/read/2020/01/29/140000269/bank-pengertian-fungsi-dan-jenisnya?page=all (Accessed: 14 March 2022).
Setiawan, H. (2016) ‘Pengaruh Kualitas Layanan, Persepsi Nilai Dan Kepercayaan Terhadap Kepuasan Dan Loyalitas Pengguna Layanan Mobile Banking’, Jurnal Keuangan dan Perbankan, 20(3), pp. 518–528. doi: 10.26905/jkdp.v20i3.269.
Shaikh, A. A. and Karjaluoto, H. (2015) ‘Mobile banking adoption: A literature review’, Telematics and Informatics, 32(1), pp. 129–142. doi: 10.1016/j.tele.2014.05.003.
Shaikh, A. A. and Karjaluoto, H. (2016) ‘Mobile banking services continuous usage - case study of Finland’, Proceedings of the Annual Hawaii International Conference on System Sciences, 2016-March, pp. 1497–1506. doi: 10.1109/HICSS.2016.189.
Shankar, A., Jebarajakirthy, C. and Ashaduzzaman, M. (2020) ‘How do electronic word of mouth practices contribute to mobile banking adoption?’, Journal of Retailing and Consumer Services, 52, p. 101920. doi: 10.1016/j.jretconser.2019.101920.
Sillars, A. L., and Vangelisti, A. L. (2018) ‘Communication: Basic properties and their relevance to relationship research’. In A.L. Vangelisti and D. Perlman (Eds.) ‘The Cambridge handbook of personal relationships’ (pp. 243–255). Cambridge University Press. https://doi.org/10.1017/9781316417867.020