ANALISIS KEBERLANJUTAN PENGGUNAAN JENIUS SEBAGAI LAYANAN FINTECH DENGAN MODEL UTAUT2 MELALUI PENDEKATAN PLS-SEM
DOI:
https://doi.org/10.36002/jutik.v12i2.4056Keywords:
Fintech, Jenius, Continuance Intention, Trust, UTAUT2Abstract
Digital transformation in the financial sector is driving the rapid growth of financial technology (fintech) services, which are revolutionizing the way people manage financial services. One of the popular fintech services, especially among young Indonesians, is Jenius, an innovative digital banking platform from Bank BTPN. This study aims to assess the factors that influence the sustainability of Jenius use using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model modified by adding trust variables to adjust the digital banking context. The method used is quantitative with data collection techniques through online questionnaires to 457 Jenius user respondents. Data were analyzed using descriptive and inferential statistics, including validity testing, reliability testing, and structural model testing. The results show that the variables Effort Expectancy (β = 0.207; p < 0.001), Facilitating Conditions (β = 0.189; p < 0.001), Hedonic Motivation (β = 0.164; p < 0.001), Price Saving Orientation (β = 0.188; p < 0.001), and Habit (β = 0.158; p < 0.001) have a significant effect on the intention to continue using Jenius. Meanwhile, Performance Expectancy, Social Influence, and Trust did not show a significant effect (p > 0.05). These results provide practical understanding for fintech and digital banking developers in designing product and service strategies that emphasize trust and user experience in order to maintain customer loyalty in the long term.
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