Evaluasi Faktor-Faktor Penerimaan Aplikasi SeaBank Menggunakan Model UTAUT2
Abstract
Sistem pembayaran non tunai semakin populer sebagai infrastruktur keuangan yang mendukung pertumbuhan teknologi keuangan. Salah satu metode yang diminati adalah bank digital seperti SeaBank, yang menawarkan kemudahan, efisiensi, dan keamanan transaksi. SeaBank memberikan layanan rekening tabungan dengan bunga tinggi, promo menarik, dan transfer gratis, menjadi solusi finansial komprehensif bagi pengguna. Namun, SeaBank tidak memiliki ATM dan kantor cabang pada kota besar saja yang dapat membatasi penerimaan aplikasi, serta permasalahan seperti kegagalan transaksi dan pengaduan yang tidak segera ditindaklanjuti menunjukkan perlunya analisis faktor penerimaan teknologi terhadap minat dan perilaku penggunaan aplikasi SeaBank. Research ini bermaksud untuk mengerti aspek yang memengaruhi minat dan perilaku pengguna dalam menerima aplikasi SeaBank menggunakan model UTAUT2. Sampel sebanyak 401 responden diambil dari pengguna aplikasi SeaBank, kemudian dianalisis dengan SEM-PLS menggunakan SPSS dan SmartPLS. Hasil penelitian menunjukkan faktor yang memengaruhi niat penggunaan adalah performance expectancy, social influence, price value, dan habit, sedangkan perilaku penggunaan dipengaruhi oleh behavioral intention.
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