The mobile banking use behavior among middle-aged consumers: An application of UTAUT2

ARVIANA, NERISSA and Harjanti, Dhyah and Suprapto, Widjojo (2022) The mobile banking use behavior among middle-aged consumers: An application of UTAUT2. In: The 7 th International Conference on Management in Emerging Markets, 12-08-2022 - 12-08-2022, Bandung - Indonesia.

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Abstract

The pandemic has forced people to use cashless payments more often to reduce physical contact with other people. However, middle age has several considerations for using this technology. This study examined the effect of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, and perceived risk on middle ages behavioral intention and mobile banking use behavior. This quantitative study surveyed 187 middle age (aged 44-60 years old) spread throughout Indonesia. The data analysis technique in this study used the Partial Least Square (PLS) method. The results showed that effort expectancy, social influence, price value, and habit significantly influence behavioral intention. Furthermore, behavioral intention also affects the use behavior variable. The number of samples in this study is relatively small compared to the number of mobile banking users in Indonesia. Thus, future researchers will be able to increase the number of research samples.

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