Analisis Perilaku Masyarakat Untuk Ber-Ziswaf Secara Digital Melalui Layanan M-Banking Syariah Menggunakan Modifikasi Utaut
DOI:
https://doi.org/10.14421/jmes.2022.012-02Keywords:
Behavior intention , Adoption Sharia M-banking, Islamic Social FinanceAbstract
Tujuan penelitian untuk menganalisis dan memprediksi determinasi niat berperilaku masyarakat untuk ber-ZISWAF secara digital dengan adopsi layanan m-banking syariah. Model yang digunakan adalah Unified Theory of Acceptance and Use to Thechnology (UTAUT) dengan menambahkan konstruk habit dan trust. Pengumpulan data dilakukan secara online melului google form. Analisis dengan PLS-SEM menggunakan SmartPLS 3.3.3 dengan jumlah sampel 146 respoden. Hasil penelitian menunjukan bahwa niat ber-ZISWAF secara digital melalui m-banking syariah dipengaruhi oleh performance expectancy dan habit secara signifikan mempengaruhi behavior intention. Namun variabel effort expectancy, facilitating condition dan social influence tidak signifikan pada behavior intention. Sedangkan untuk adopsi dipengaruhi habit dan trust secara signifikan mempengaruhi adopsi penggunaan (usage adoption) masyarakat pada layanan m-banking untuk ber-ZISWAF secara digital.
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