<mets:mets OBJID="eprint_77464" LABEL="Eprints Item" xsi:schemaLocation="http://www.loc.gov/METS/ http://www.loc.gov/standards/mets/mets.xsd http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mets="http://www.loc.gov/METS/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mets:metsHdr CREATEDATE="2026-07-07T21:02:41Z"><mets:agent ROLE="CUSTODIAN" TYPE="ORGANIZATION"><mets:name>Institutional Repository UIN Sunan Kalijaga Yogyakarta</mets:name></mets:agent></mets:metsHdr><mets:dmdSec ID="DMD_eprint_77464_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:titleInfo><mods:title>ANALISIS PERILAKU PENGGUNAAN FITUR INVESTASI E-MAS PADA APLIKASI BYOND BY BSI DENGAN MODEL UTAUT2</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">NIM.: 22108020008</mods:namePart><mods:namePart type="family">Tiara Febriani</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:abstract>This study aims to analyze the influence pf the Unified Theory of Acceptance and Use of Technology constructs on Behavioral Intention and Use Behavior of E-Mas feature users in the Byond by BSI Super Apps by adapting the model through the inclusion of Trust as a moderating variable. This study employs a quantitative approach with a positivist paradigm. The result indicate that Performance Expectancy, Effort Expectancy, and Social Influence have a significant positive effect on Behavioral Intention, while Behavioral Intention significantly affects Use Behavior. In contract, Facilitating Condition, Hedonic Motivation, Price Value, and Habit do not significantly influence Behavioral Intention and Use Behavior. Likewise, Trust as a moderating variable does not show a significant effect. These finding suggest that the adopting of Islamic digital services is primarily influenced by benefits of use, ease of use, and social influence of users.</mods:abstract><mods:classification authority="lcc">297.273 Ekonomi Islam / Fiqih Muamalah</mods:classification><mods:originInfo><mods:dateIssued encoding="iso8061">2026-05-25</mods:dateIssued></mods:originInfo><mods:originInfo><mods:publisher>UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAM</mods:publisher></mods:originInfo><mods:genre>Thesis</mods:genre></mets:xmlData></mets:mdWrap></mets:dmdSec><mets:amdSec ID="TMD_eprint_77464"><mets:rightsMD ID="rights_eprint_77464_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:useAndReproduction>
<p xmlns="http://www.w3.org/1999/xhtml"><strong>For work being deposited by its own author:</strong> 
In self-archiving this collection of files and associated bibliographic 
metadata, I grant Institutional Repository UIN Sunan Kalijaga Yogyakarta the right to store 
them and to make them permanently available publicly for free on-line. 
I declare that this material is my own intellectual property and I 
understand that Institutional Repository UIN Sunan Kalijaga Yogyakarta does not assume any 
responsibility if there is any breach of copyright in distributing these 
files or metadata. (All authors are urged to prominently assert their 
copyright on the title page of their work.)</p>

<p xmlns="http://www.w3.org/1999/xhtml"><strong>For work being deposited by someone other than its 
author:</strong> I hereby declare that the collection of files and 
associated bibliographic metadata that I am archiving at 
Institutional Repository UIN Sunan Kalijaga Yogyakarta) is in the public domain. If this is 
not the case, I accept full responsibility for any breach of copyright 
that distributing these files or metadata may entail.</p>

<p xmlns="http://www.w3.org/1999/xhtml">Clicking on the deposit button indicates your agreement to these 
terms.</p>
    </mods:useAndReproduction></mets:xmlData></mets:mdWrap></mets:rightsMD></mets:amdSec><mets:fileSec><mets:fileGrp USE="reference"><mets:file ID="eprint_77464_1066395_1" SIZE="3678323" OWNERID="https://digilib.uin-suka.ac.id/id/eprint/77464/1/22108020008_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf" MIMETYPE="application/pdf"><mets:FLocat LOCTYPE="URL" xlink:type="simple" xlink:href="https://digilib.uin-suka.ac.id/id/eprint/77464/1/22108020008_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf"></mets:FLocat></mets:file></mets:fileGrp><mets:fileGrp USE="reference"><mets:file ID="eprint_77464_1066396_1" SIZE="7388637" OWNERID="https://digilib.uin-suka.ac.id/id/eprint/77464/2/22108020008_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf" MIMETYPE="application/pdf"><mets:FLocat LOCTYPE="URL" xlink:type="simple" xlink:href="https://digilib.uin-suka.ac.id/id/eprint/77464/2/22108020008_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf"></mets:FLocat></mets:file></mets:fileGrp></mets:fileSec><mets:structMap><mets:div DMDID="DMD_eprint_77464_mods" ADMID="TMD_eprint_77464"><mets:fptr FILEID="eprint_77464_document_1066395_1"></mets:fptr><mets:fptr FILEID="eprint_77464_document_1066396_1"></mets:fptr></mets:div></mets:structMap></mets:mets>