Rural banks´ intention to adopt m-banking in the special region of Yogyakarta

• Autor(a) principal: Utomo, Joshua Yudantio
• Data de Publicação: 2022
• Tipo de documento: Dissertação
• Idioma: eng
• Título da fonte: Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
• Texto Completo: http://hdl.handle.net/10071/27598
• topic: M-banking; Technology-organization-environment; Perceived usefulness; Rural bank; COVID-19; Tecnologia-organização-ambiente; Utilidade percebida; Banco rural

The COVID-19 pandemic has impacted all sectors of the economy, including the rural banking sector. On the other hand, in this digital era, the use of m-banking for transactions is commonplace. It's no wonder that various sectors, including rural banks, desperately need m-banking, one of the products rural banks and the public desperately need, especially during the lockdown period. Hence, m-banking can be considered a rural bank fintech. This study examines the intention to adopt the m-banking model in the banking sector, influenced by perceived usefulness, technological context, organizational context, and environmental context. This research is explanatory research with a survey approach. Based on the research objectives, this research is intended to test the hypothesis. The method of data collection is done by distributing questionnaires. This research is a survey study of 75 rural bank staff and 87 customers of rural banks in the Special Region of Yogyakarta, Indonesia. The analytical tool used in this research is Partial Least Square (PLS). The results of the research that has been carried out show that the technological context, organizational context, and environmental context have a positive and significant effect on perceived usefulness. Furthermore, perceived usefulness positively and significantly affects the intention to adopt m-banking. This research discusses the study's contributions, implications, limitations, and future research directions. This research is expected to improve rural banks' performance in digitalization, especially in adopting m-banking.