ANALISIS PERILAKU PENGGUNAAN FITUR INVESTASI E-MAS PADA APLIKASI BYOND BY BSI DENGAN MODEL UTAUT2

Tiara Febriani, NIM.: 22108020008 (2026) ANALISIS PERILAKU PENGGUNAAN FITUR INVESTASI E-MAS PADA APLIKASI BYOND BY BSI DENGAN MODEL UTAUT2. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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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.

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