An Evaluation of e-Money Products Using UTAUT 2 Model (The Case of Bank Mandiri)

In recent years new financial services have emerged using technology as an intermediary media, one of which is e-money. Every year transactions using electronic money continue to increase. One of them is Bank Mandiri E-Money. In 2017, Bank Mandiri's E-Money became electronic money with the most ownership. As electronic money with the most ownership, Bank Mandiri E-Money is not immune from various problems. So, research is conducted regarding the evaluation of Bank Mandiri's E-Money usage, especially in Ciputat District. The purpose of this study was to evaluate the use of Bank Mandiri E-Money in Ciputat District and examine the variables of the UTAUT 2 model that influenced the use of Bank Mandiri E-Money in Ciputat District using a quantitative method with the PLS-SEM analysis technique approach. Determination of sampling in this study using a purposive sampling method with slovin formula calculation technique. Furthermore, recommendations can be made to Bank Mandiri for further development. For this reason, this research was conducted with a survey using a questionnaire on 127 Bank Mandiri E-Money users in the Ciputat District area. The results of this study show that of the 10 hypotheses tested, most of the hypotheses were accepted as many as 7 hypotheses and the ones rejected were 3 hypotheses. The Habit variable (HT) is the factor with the greatest influence and Effort Expectancy (EE) becomes the factor with the smallest influence. The benefits of this study are that it provides recommendations that related to model UTAUT 2 which can be used as material for consideration in the future development of Bank Mandiri E-Money.