Implementation of the Unified Theory of Acceptance and Use of Technology (UTAUT) 3 on the Sharia Bank Customer Behavior in Using Mobile Banking
Mobile banking has transformed banking services, yet the adoption of Islamic mobile banking in North Padang Lawas Regency remains low. This study examines the impact of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, and...
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| Format: | Article |
| Language: | English |
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UIN Sultan Aji Muhammad Idris Samarinda
2025-04-01
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| Series: | Al-tijary |
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| Online Access: | https://journal.uinsi.ac.id/index.php/altijary/article/view/9448 |
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| author | Nurfia Sintia Daulay Arbanur Rasyid Utari Evy Cahyani Rizki Mulia Lubis |
| author_facet | Nurfia Sintia Daulay Arbanur Rasyid Utari Evy Cahyani Rizki Mulia Lubis |
| author_sort | Nurfia Sintia Daulay |
| collection | DOAJ |
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Mobile banking has transformed banking services, yet the adoption of Islamic mobile banking in North Padang Lawas Regency remains low. This study examines the impact of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, and personal innovation on behavioral intention and user behavior. Using a quantitative approach, 200 respondents were selected through random sampling, and data were analyzed with Structural Equation Modeling-Partial Least Squares (SEM-PLS) via WarpPLS 7.0. Results show that performance expectancy (β = 0.508, p < 0.001), price value (β = 0.200, p = 0.002), habit (β = 0.248, p < 0.001), and personal innovation (β = 0.152, p = 0.014) significantly influence behavioral intention, while effort expectancy, social influence, facilitating conditions, and hedonic motivation do not. Behavioral intention (β = 0.293, p < 0.001) positively impacts user behavior, with facilitating conditions (β = 0.234, p < 0.001) and habit (β = 0.136, p = 0.024) also contributing, but personal innovation showing no effect. Additionally, behavioral intention does not mediate the influence of facilitating conditions, habit, or personal innovation on user behavior. These findings highlight the importance of emphasizing perceived usefulness, affordability, and habitual engagement to boost Islamic mobile banking adoption in the region.
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| format | Article |
| id | doaj-art-31835150cb804a02b86b4e418943ea1c |
| institution | OA Journals |
| issn | 2460-9404 2460-9412 |
| language | English |
| publishDate | 2025-04-01 |
| publisher | UIN Sultan Aji Muhammad Idris Samarinda |
| record_format | Article |
| series | Al-tijary |
| spelling | doaj-art-31835150cb804a02b86b4e418943ea1c2025-08-20T02:11:58ZengUIN Sultan Aji Muhammad Idris SamarindaAl-tijary2460-94042460-94122025-04-0110110.21093/at.v10i1.9448Implementation of the Unified Theory of Acceptance and Use of Technology (UTAUT) 3 on the Sharia Bank Customer Behavior in Using Mobile BankingNurfia Sintia Daulay0Arbanur Rasyid1Utari Evy Cahyani2Rizki Mulia Lubis3Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Padang SidempuanUniversitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Padang SidempuanUniversitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Padang SidempuanUniversitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Padang Sidempuan Mobile banking has transformed banking services, yet the adoption of Islamic mobile banking in North Padang Lawas Regency remains low. This study examines the impact of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, and personal innovation on behavioral intention and user behavior. Using a quantitative approach, 200 respondents were selected through random sampling, and data were analyzed with Structural Equation Modeling-Partial Least Squares (SEM-PLS) via WarpPLS 7.0. Results show that performance expectancy (β = 0.508, p < 0.001), price value (β = 0.200, p = 0.002), habit (β = 0.248, p < 0.001), and personal innovation (β = 0.152, p = 0.014) significantly influence behavioral intention, while effort expectancy, social influence, facilitating conditions, and hedonic motivation do not. Behavioral intention (β = 0.293, p < 0.001) positively impacts user behavior, with facilitating conditions (β = 0.234, p < 0.001) and habit (β = 0.136, p = 0.024) also contributing, but personal innovation showing no effect. Additionally, behavioral intention does not mediate the influence of facilitating conditions, habit, or personal innovation on user behavior. These findings highlight the importance of emphasizing perceived usefulness, affordability, and habitual engagement to boost Islamic mobile banking adoption in the region. https://journal.uinsi.ac.id/index.php/altijary/article/view/9448Behavioral IntentionMobile BankingUnified Theory of Acceptance and Use of TechnologyUTAUT 3Use Behavior |
| spellingShingle | Nurfia Sintia Daulay Arbanur Rasyid Utari Evy Cahyani Rizki Mulia Lubis Implementation of the Unified Theory of Acceptance and Use of Technology (UTAUT) 3 on the Sharia Bank Customer Behavior in Using Mobile Banking Al-tijary Behavioral Intention Mobile Banking Unified Theory of Acceptance and Use of Technology UTAUT 3 Use Behavior |
| title | Implementation of the Unified Theory of Acceptance and Use of Technology (UTAUT) 3 on the Sharia Bank Customer Behavior in Using Mobile Banking |
| title_full | Implementation of the Unified Theory of Acceptance and Use of Technology (UTAUT) 3 on the Sharia Bank Customer Behavior in Using Mobile Banking |
| title_fullStr | Implementation of the Unified Theory of Acceptance and Use of Technology (UTAUT) 3 on the Sharia Bank Customer Behavior in Using Mobile Banking |
| title_full_unstemmed | Implementation of the Unified Theory of Acceptance and Use of Technology (UTAUT) 3 on the Sharia Bank Customer Behavior in Using Mobile Banking |
| title_short | Implementation of the Unified Theory of Acceptance and Use of Technology (UTAUT) 3 on the Sharia Bank Customer Behavior in Using Mobile Banking |
| title_sort | implementation of the unified theory of acceptance and use of technology utaut 3 on the sharia bank customer behavior in using mobile banking |
| topic | Behavioral Intention Mobile Banking Unified Theory of Acceptance and Use of Technology UTAUT 3 Use Behavior |
| url | https://journal.uinsi.ac.id/index.php/altijary/article/view/9448 |
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