Work

Of ANALYSIS OF THE INFLUENCE OF STUDENT PREFERENCES IN JABODETABEK ON DECISIONS TO USE MOBILE BANKING PAYMENT SYSTEMS

Year: 2025

Type: conference-paper

Abstract: This study analyzes students' preferences regarding mobile banking usage in the Jabodetabek area, involving 250 respondents selected through purposive sampling. The research employs the Unified Theory of Acceptance and Use of Technology (UTAUT) model to evaluate key factors influencing mobile banking adoption. The Partial Least Squares-Structural Equation Modeling (PLS-SEM) technique is used to analyze variables such as performance expectancy, effort expectancy, social influence, facilitating conditions, behavioral intention, and usage behavior. The findings show that effort expectancy, facilitating conditions, and behavioral intention have a significant impact on mobile banking adoption. These results suggest that perceptions of ease of use, good facilitating conditions, and a clear intention to use mobile banking are crucial in shaping user behavior. However, performance expectancy and social influence do not have a significant impact on the intention to use. These findings provide insights for banks to enhance service quality and meet students' expectations.

Source: Proceeding of International Student Conference on Business, Education, Economics, Accounting, and Management.

DOI: 10.21009/isc-beam.013.154

Authors: Muhammad Dzaky Arief, Osly Usman

Institution: State University of Jakarta

Language: English

Topic: Technology Adoption and User Behaviour

Subfield: Information Systems and Management

Field: Decision Sciences

Domain: Social Sciences

SDG: Quality education

Open Access status: hybrid

OpenAlex ID: W4410070422

FWCI:

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