Behavioral Intention to Use Mobile Banking using UTAUT 2 Model

Today’s non-cash transaction solution is mobile banking, which is quick and to the point. only possible with a smartphone. Nowadays, nearly everyone owns a smartphone. But not all of them favor using mobile banking for their transactions. This is what sparked our interest in gathering data on the variables affecting consumers of mobile banking. The purpose of this study was to identify the variables that may affect bank customers’ behavioral intentions when utilizing the mobile banking application to complete routine banking operations using the UTAUT 2 Model Approach. This study collected 200 samples from DKI Jakarta-based users of mobile banking applications utilizing a quantitative research method and the probability sampling methodology called convenience sampling. SmartPLS 4 software was used to process the data once it had been obtained and subjected to SEM-PLS analysis. The hedonic motivation, habit, and price value variables each had favorable and significant effect on behavioral intention of mobile banking users, according to the analysis and processing of the data results. In the meanwhile, expectations for performance, effort, social impact, and facilitation each had no significance effect on behavioral intention