ANALYSIS OF CONTINUE USAGE INTENTION OF BLU BCA DIGITAL IN JAKARTA
Keywords:
Continue Usage Intention, Digital Banking, Perceived RIsk, Social Influence, Perceived Usefulness
Abstract
Blu BCA is one of an example of Digital Banking service owned by PT BCA Digital, which was developed to make it easier for customers to make financial transactions online. This study integrates perceived risk and perceived usefulness into UTAUT theoretical model to address this gap by using empirical research used a non-probability sampling method. A total of 200 respondents from user Blu BCA where they have used Blu BCA for at least 3 months. The study reveals that Social Influences, Facilitating Condition, and Perceived Usefulness influences Continuous Usage Intention whereas Perceived Risk is not influences Continuous Usage Intention
References
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Anggraeni, R., Hapsari, R., & Muslim, N. A. (2021). Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers. Asia Pacific Management and Business Application, 009(03), 193–210. https://doi.org/10.21776/ub.apmba.2021.009.03.1
Avornyo, P., Fang, J., Odai, R. O., Vondee, J. ben, & Nartey, M. N. (2019). Factors Affecting Continuous Usage Intention of Mobile Banking in Tema and Kumasi. International Journal of Business and Social Science, 10(3). https://doi.org/10.30845/ijbss.v10n3p11
Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., & Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44, 38–52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002
BBC. (2017). Mobile banking is saving us “billions” in charges - BBC News. https://www.bbc.com/news/business-39290041
Cheng, T. C. E., Lam, D. Y. C., & Yeung, A. C. L. (2006). Adoption of internet banking: An empirical study in Hong Kong. Decision Support Systems, 42(3), 1558–1572. https://doi.org/10.1016/j.dss.2006.01.002
Cialdini, R. B., & Goldstein, N. J. (2004). Social influence: Compliance and conformity. Annual Review of Psychology, 55, 591–621. https://doi.org/10.1146/annurev.psych.55.090902.142015
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008
Deloitte. (2019). Banking and Capital Markets Outlook Reimagining transformation.
Faqih, K. M. S. (2016). An empirical analysis of factors predicting the behavioral intention to adopt Internet shopping technology among non-shoppers in a developing country context: Does gender matter? Journal of Retailing and Consumer Services, 30, 140–164. https://doi.org/10.1016/j.jretconser.2016.01.016
Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human Computer Studies, 59(4), 451–474. https://doi.org/10.1016/S1071-5819(03)00111-3
Flavián, C., & Guinalíu, M. (2006). Consumer trust, perceived security and privacy policy: Three basic elements of loyalty to a web site. Industrial Management & Data Systems, 106(5), 601–620. https://doi.org/10.1108/02635570610666403
Foon, Y. S., Chan, B., & Fah, Y. (2011). Internet Banking Adoption in Kuala Lumpur: An Application of UTAUT Model. International Journal of Business and Management, 6(4), p161. https://doi.org/10.5539/IJBM.V6N4P161
Formplus. (2022). Purposive Sampling: Definition, Types, Examples. https://www.formpl.us/blog/purposive-sampling
Fortes, N., & Rita, P. (2016). Privacy concerns and online purchasing behaviour: Towards an integrated model. European Research on Management and Business Economics, 22(3), 167–176. https://doi.org/10.1016/J.IEDEEN.2016.04.002
Glover, S., & Benbasat, I. (2014). A Comprehensive Model of Perceived Risk of E-Commerce Transactions. Http://Dx.Doi.Org/10.2753/JEC1086-4415150202, 15(2), 47–78. https://doi.org/10.2753/JEC1086-4415150202
Gray, B. (1985). Conditions Facilitating Interorganizational Collaboration. Human Relations, 38(10), 911–936. https://doi.org/10.1177/001872678503801001
Harasis, A. A., Qureshi, M. I., & Rasli, A. (2018). Development of research continuous usage intention of e-commerce. A systematic review of literature from 2009 to 2015. International Journal of Engineering and Technology(UAE), 7(2), 73–78. https://doi.org/10.14419/ijet.v7i2.29.13133
Hong, S. J., Thong, J. Y. L., Moon, J. Y., & Tam, K. Y. (2008). Understanding the behavior of mobile data services consumers. Information Systems Frontiers, 10(4), 431–445. https://doi.org/10.1007/S10796-008-9096-1/TABLES/5
Investopedia. (2020). Mobile Banking Definition. https://www.investopedia.com/terms/m/mobile-banking.asp
Islami, M. M., Asdar, M., & Baumassepe, A. N. (2021). Analysis of Perceived Usefulness and Perceived Ease of Use to the Actual System Usage through Attitude Using Online Guidance Application. Hasanuddin Journal of Business Strategy, 3(1), 52–64. https://doi.org/10.26487/hjbs.v3i1.410
Izwan Taasim, S., & Yusoff, R. (2015). Are Malaysian Still Technophobia about e-finance product : a literature review. Journal of Business and Social Development, 3(1), 1–11.
Janda, M., Olsen, C. M., Mar, V. J., & Cust, A. E. (2022). Early detection of skin cancer in Australia-current approaches and new opportunities Article history. 32(1), 3212204. https://doi.org/10.17061/phrp3212204
Joa, C. Y., & Magsamen-Conrad, K. (2022). Social influence and UTAUT in predicting digital immigrants’ technology use. Behaviour and Information Technology, 41(8), 1620–1638. https://doi.org/10.1080/0144929X.2021.1892192
Joshi, A., Kale, S., Chandel, S., & Pal, D. (2015). Likert Scale: Explored and Explained. British Journal of Applied Science & Technology, 7(4), 396–403. https://doi.org/10.9734/bjast/2015/14975
Juniper Research. (2020). Digital Banking Users to Exceed 3.6 Billion Globally by 2024. https://www.juniperresearch.com/press/digital-banking-users-to-exceed-3-6-billion
Khan, I. U., Hameed, Z., & Khan, S. U. (2017). Understanding online banking adoption in a developing country: UTAUT2 with cultural moderators. Journal of Global Information Management, 25(1), 43–65. https://doi.org/10.4018/JGIM.2017010103
Koul, S., & Eydgahi, A. (2017). A systematic review of technology adoption frameworks and their applications. In J. Technol. Manag. Innov. 2017 (Vol. 12, Issue 4). http://jotmi.org
Krishna Kishore, S. v., & Sequeira, A. H. (2016). An empirical investigation on mobile banking service adoption in rural Karnataka. SAGE Open, 6(1), 1–21. https://doi.org/10.1177/2158244016633731
Krisnanto, U. (2018). Digital Banking Made Transaction More Trusted And Secured?
Leem, J., & Lim, B. (2007). The current status of e-learning and strategies to enhance educational competitiveness in Korean higher education. International Review of Research in Open and Distance Learning, 8(1). https://doi.org/10.19173/IRRODL.V8I1.380
Lipton, A., Shrier, D., & Pentland, A. (2016). Digital Banking Manifesto: The End of Banks?
Littler, D., & Melanthiou, D. (2006). Consumer perceptions of risk and uncertainty and the implications for behaviour towards innovative retail services: The case of Internet Banking. Journal of Retailing and Consumer Services, 13(6), 431–443. https://doi.org/10.1016/J.JRETCONSER.2006.02.006
Luarn, P., & Lin, H.-H. (2003). Luarn & Lin: A Customer Loyalty Model for E-Service Context A CUSTOMER LOYALTY MODEL FOR E-SERVICE CONTEXT.
Martins, C., Oliveira, T., & Popovič, A. (2014). Understanding the internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application. International Journal of Information Management, 34(1), 1–13. https://doi.org/10.1016/j.ijinfomgt.2013.06.002
Mekari. (2019). 4 Kota Besar dengan Kemajuan Teknologi Terbesar di Indonesia - Mekari Jurnal. https://www.jurnal.id/id/blog/kota-besar-dengan-kemajuan-teknologi-terbesar-di-indonesia/
Mufarih, M., Jayadi, R., & Sugandi, Y. (2020). Factors Influencing Customers to Use Digital Banking Application in Yogyakarta, Indonesia. Journal of Asian Finance, Economics and Business, 7(10), 897–908. https://doi.org/10.13106/jafeb.2020.vol7.no10.897
OJK. (2016). Penyelenggaraan Layanan Perbankan Digital oleh Bank Umum. https://www.ojk.go.id/id/regulasi/Pages/Penyelenggaraan-Layanan-Perbankan-Digital-oleh-Bank-Umum.aspx
Osatuyi, B., & Turel, O. (2019). Social motivation for the use of social technologies: An empirical examination of social commerce site users. Internet Research, 29(1), 24–45. https://doi.org/10.1108/IntR-09-2017-0338
Ozdemir, S., Trott, P., & Hoecht, A. (2008). Segmenting internet banking adopter and non-adopters in the Turkish retail banking sector. International Journal of Bank Marketing, 26(4), 212–236. https://doi.org/10.1108/02652320810884777/FULL/XML
Park, J. K., Ahn, J., Thavisay, T., & Ren, T. (2019). Examining the role of anxiety and social influence in multi-benefits of mobile payment service. Journal of Retailing and Consumer Services, 47, 140–149. https://doi.org/10.1016/j.jretconser.2018.11.015
Rachmawati, I. K., Waris, A., Malang, P. N., Bukhori, M., Majidah, Y., & Hidayatullah, S. (2020). Analysis Of Use Of Mobile Banking With Acceptance And Use Of Technology (UTAUT) Article in. International Journal of Scientific & Technology Research. www.ijstr.org
Rahi, S., Othman Mansour, M. M., Alghizzawi, M., & Alnaser, F. M. (2019). Integration of UTAUT model in internet banking adoption context: The mediating role of performance expectancy and effort expectancy. Journal of Research in Interactive Marketing, 13(3), 411–435. https://doi.org/10.1108/JRIM-02-2018-0032
Rakhmat, J., Effendi, S., & Singarimbun, M. (2016). Jenis dan Pendekatan penelitian.
Ratnasingam, P., Gefen, D., & Pavlou, P. A. (2005). The Role of Facilitating Conditions and Institutional Trust in Electronic Marketplaces. In Journal of Electronic Commerce in Organizations (Vol. 3, Issue 3). http://www.idea-group.com
Revathi, P. (2019). DIGITAL BANKING CHALLENGES AND OPPORTUNITIES IN INDIA. EPRA International Journal OfEconomic and Business Review-Peer Reviewed Journal. https://doi.org/10.36713/epra2985
Sekaran, U. (2016). Daftar Kata Kata (Uma Sekaran) | REEARCH METHOD FOR BUSINESS. http://metodepenelitianbisnis.blogspot.com/2012/01/daftar-kata-kata-uma-sekaran.html
Sekaran, U., & Bougie, R. (2016). Research Methods for Business. www.wileypluslearningspace.com
Setyo Iriani, S., & Lestari Andjarwati, A. (2020). ANALYSIS OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, AND PERCEIVED RISK TOWARD ONLINE SHOPPING IN THE ERA OF COVID-19 PANDEMIC. In Systematic Reviews in Pharmacy (Vol. 11, Issue 12).
Surbhi, S. (2022). Difference Between Probability and Non-Probability Sampling (With Comparison Chart) - Key Differences. https://keydifferences.com/difference-between-probability-and-non-probability-sampling.html
Temenos. (2023). What is Digital Banking? https://www.temenos.com/news/2019/12/19/what-is-digital-banking/
Venkatesh, V., Smith, R. H., Morris, M. G., Davis, G. B., Davis, F. D., & Walton, S. M. (2003). Quarterly USER ACCEPTANCE OF INFORMATION TECHNOLOGY: TOWARD A UNIFIED VIEW1.
Xuan Loc Ho Chi, T., Anh Tuan, B., Ngoc Dat, N., Thanh Liem Ho Chi, H., Xuan Loc, T., & Thanh Liem, H. (2020). Article ID: IJM_11_08_121 Customer Behavior in Choosing E-Tourism Services. International Journal of Management (IJM, 11(8), 1330–1337. https://doi.org/10.34218/IJM.11.8.2020.121
Zulkarnaen, W., Amin, N. N. (2018). Pengaruh Strategi Penetapan Harga Terhadap Kepuasan Konsumen. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 2(1), 106-128.
Albashrawi, M., & Motiwalla, L. (2019). Privacy and Personalization in Continued Usage Intention of Mobile Banking: An Integrative Perspective. Information Systems Frontiers, 21(5), 1031–1043. https://doi.org/10.1007/s10796-017-9814-7
Al-Qeisi, K., Dennis, C., Hegazy, A., & Abbad, M. (2015). How Viable Is the UTAUT Model in a Non-Western Context? International Business Research, 8(2). https://doi.org/10.5539/ibr.v8n2p204
Anggraeni, R., Hapsari, R., & Muslim, N. A. (2021). Examining Factors Influencing Consumers Intention and Usage of Digital Banking: Evidence from Indonesian Digital Banking Customers. Asia Pacific Management and Business Application, 009(03), 193–210. https://doi.org/10.21776/ub.apmba.2021.009.03.1
Avornyo, P., Fang, J., Odai, R. O., Vondee, J. ben, & Nartey, M. N. (2019). Factors Affecting Continuous Usage Intention of Mobile Banking in Tema and Kumasi. International Journal of Business and Social Science, 10(3). https://doi.org/10.30845/ijbss.v10n3p11
Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., & Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44, 38–52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002
BBC. (2017). Mobile banking is saving us “billions” in charges - BBC News. https://www.bbc.com/news/business-39290041
Cheng, T. C. E., Lam, D. Y. C., & Yeung, A. C. L. (2006). Adoption of internet banking: An empirical study in Hong Kong. Decision Support Systems, 42(3), 1558–1572. https://doi.org/10.1016/j.dss.2006.01.002
Cialdini, R. B., & Goldstein, N. J. (2004). Social influence: Compliance and conformity. Annual Review of Psychology, 55, 591–621. https://doi.org/10.1146/annurev.psych.55.090902.142015
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008
Deloitte. (2019). Banking and Capital Markets Outlook Reimagining transformation.
Faqih, K. M. S. (2016). An empirical analysis of factors predicting the behavioral intention to adopt Internet shopping technology among non-shoppers in a developing country context: Does gender matter? Journal of Retailing and Consumer Services, 30, 140–164. https://doi.org/10.1016/j.jretconser.2016.01.016
Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human Computer Studies, 59(4), 451–474. https://doi.org/10.1016/S1071-5819(03)00111-3
Flavián, C., & Guinalíu, M. (2006). Consumer trust, perceived security and privacy policy: Three basic elements of loyalty to a web site. Industrial Management & Data Systems, 106(5), 601–620. https://doi.org/10.1108/02635570610666403
Foon, Y. S., Chan, B., & Fah, Y. (2011). Internet Banking Adoption in Kuala Lumpur: An Application of UTAUT Model. International Journal of Business and Management, 6(4), p161. https://doi.org/10.5539/IJBM.V6N4P161
Formplus. (2022). Purposive Sampling: Definition, Types, Examples. https://www.formpl.us/blog/purposive-sampling
Fortes, N., & Rita, P. (2016). Privacy concerns and online purchasing behaviour: Towards an integrated model. European Research on Management and Business Economics, 22(3), 167–176. https://doi.org/10.1016/J.IEDEEN.2016.04.002
Glover, S., & Benbasat, I. (2014). A Comprehensive Model of Perceived Risk of E-Commerce Transactions. Http://Dx.Doi.Org/10.2753/JEC1086-4415150202, 15(2), 47–78. https://doi.org/10.2753/JEC1086-4415150202
Gray, B. (1985). Conditions Facilitating Interorganizational Collaboration. Human Relations, 38(10), 911–936. https://doi.org/10.1177/001872678503801001
Harasis, A. A., Qureshi, M. I., & Rasli, A. (2018). Development of research continuous usage intention of e-commerce. A systematic review of literature from 2009 to 2015. International Journal of Engineering and Technology(UAE), 7(2), 73–78. https://doi.org/10.14419/ijet.v7i2.29.13133
Hong, S. J., Thong, J. Y. L., Moon, J. Y., & Tam, K. Y. (2008). Understanding the behavior of mobile data services consumers. Information Systems Frontiers, 10(4), 431–445. https://doi.org/10.1007/S10796-008-9096-1/TABLES/5
Investopedia. (2020). Mobile Banking Definition. https://www.investopedia.com/terms/m/mobile-banking.asp
Islami, M. M., Asdar, M., & Baumassepe, A. N. (2021). Analysis of Perceived Usefulness and Perceived Ease of Use to the Actual System Usage through Attitude Using Online Guidance Application. Hasanuddin Journal of Business Strategy, 3(1), 52–64. https://doi.org/10.26487/hjbs.v3i1.410
Izwan Taasim, S., & Yusoff, R. (2015). Are Malaysian Still Technophobia about e-finance product : a literature review. Journal of Business and Social Development, 3(1), 1–11.
Janda, M., Olsen, C. M., Mar, V. J., & Cust, A. E. (2022). Early detection of skin cancer in Australia-current approaches and new opportunities Article history. 32(1), 3212204. https://doi.org/10.17061/phrp3212204
Joa, C. Y., & Magsamen-Conrad, K. (2022). Social influence and UTAUT in predicting digital immigrants’ technology use. Behaviour and Information Technology, 41(8), 1620–1638. https://doi.org/10.1080/0144929X.2021.1892192
Joshi, A., Kale, S., Chandel, S., & Pal, D. (2015). Likert Scale: Explored and Explained. British Journal of Applied Science & Technology, 7(4), 396–403. https://doi.org/10.9734/bjast/2015/14975
Juniper Research. (2020). Digital Banking Users to Exceed 3.6 Billion Globally by 2024. https://www.juniperresearch.com/press/digital-banking-users-to-exceed-3-6-billion
Khan, I. U., Hameed, Z., & Khan, S. U. (2017). Understanding online banking adoption in a developing country: UTAUT2 with cultural moderators. Journal of Global Information Management, 25(1), 43–65. https://doi.org/10.4018/JGIM.2017010103
Koul, S., & Eydgahi, A. (2017). A systematic review of technology adoption frameworks and their applications. In J. Technol. Manag. Innov. 2017 (Vol. 12, Issue 4). http://jotmi.org
Krishna Kishore, S. v., & Sequeira, A. H. (2016). An empirical investigation on mobile banking service adoption in rural Karnataka. SAGE Open, 6(1), 1–21. https://doi.org/10.1177/2158244016633731
Krisnanto, U. (2018). Digital Banking Made Transaction More Trusted And Secured?
Leem, J., & Lim, B. (2007). The current status of e-learning and strategies to enhance educational competitiveness in Korean higher education. International Review of Research in Open and Distance Learning, 8(1). https://doi.org/10.19173/IRRODL.V8I1.380
Lipton, A., Shrier, D., & Pentland, A. (2016). Digital Banking Manifesto: The End of Banks?
Littler, D., & Melanthiou, D. (2006). Consumer perceptions of risk and uncertainty and the implications for behaviour towards innovative retail services: The case of Internet Banking. Journal of Retailing and Consumer Services, 13(6), 431–443. https://doi.org/10.1016/J.JRETCONSER.2006.02.006
Luarn, P., & Lin, H.-H. (2003). Luarn & Lin: A Customer Loyalty Model for E-Service Context A CUSTOMER LOYALTY MODEL FOR E-SERVICE CONTEXT.
Martins, C., Oliveira, T., & Popovič, A. (2014). Understanding the internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application. International Journal of Information Management, 34(1), 1–13. https://doi.org/10.1016/j.ijinfomgt.2013.06.002
Mekari. (2019). 4 Kota Besar dengan Kemajuan Teknologi Terbesar di Indonesia - Mekari Jurnal. https://www.jurnal.id/id/blog/kota-besar-dengan-kemajuan-teknologi-terbesar-di-indonesia/
Mufarih, M., Jayadi, R., & Sugandi, Y. (2020). Factors Influencing Customers to Use Digital Banking Application in Yogyakarta, Indonesia. Journal of Asian Finance, Economics and Business, 7(10), 897–908. https://doi.org/10.13106/jafeb.2020.vol7.no10.897
OJK. (2016). Penyelenggaraan Layanan Perbankan Digital oleh Bank Umum. https://www.ojk.go.id/id/regulasi/Pages/Penyelenggaraan-Layanan-Perbankan-Digital-oleh-Bank-Umum.aspx
Osatuyi, B., & Turel, O. (2019). Social motivation for the use of social technologies: An empirical examination of social commerce site users. Internet Research, 29(1), 24–45. https://doi.org/10.1108/IntR-09-2017-0338
Ozdemir, S., Trott, P., & Hoecht, A. (2008). Segmenting internet banking adopter and non-adopters in the Turkish retail banking sector. International Journal of Bank Marketing, 26(4), 212–236. https://doi.org/10.1108/02652320810884777/FULL/XML
Park, J. K., Ahn, J., Thavisay, T., & Ren, T. (2019). Examining the role of anxiety and social influence in multi-benefits of mobile payment service. Journal of Retailing and Consumer Services, 47, 140–149. https://doi.org/10.1016/j.jretconser.2018.11.015
Rachmawati, I. K., Waris, A., Malang, P. N., Bukhori, M., Majidah, Y., & Hidayatullah, S. (2020). Analysis Of Use Of Mobile Banking With Acceptance And Use Of Technology (UTAUT) Article in. International Journal of Scientific & Technology Research. www.ijstr.org
Rahi, S., Othman Mansour, M. M., Alghizzawi, M., & Alnaser, F. M. (2019). Integration of UTAUT model in internet banking adoption context: The mediating role of performance expectancy and effort expectancy. Journal of Research in Interactive Marketing, 13(3), 411–435. https://doi.org/10.1108/JRIM-02-2018-0032
Rakhmat, J., Effendi, S., & Singarimbun, M. (2016). Jenis dan Pendekatan penelitian.
Ratnasingam, P., Gefen, D., & Pavlou, P. A. (2005). The Role of Facilitating Conditions and Institutional Trust in Electronic Marketplaces. In Journal of Electronic Commerce in Organizations (Vol. 3, Issue 3). http://www.idea-group.com
Revathi, P. (2019). DIGITAL BANKING CHALLENGES AND OPPORTUNITIES IN INDIA. EPRA International Journal OfEconomic and Business Review-Peer Reviewed Journal. https://doi.org/10.36713/epra2985
Sekaran, U. (2016). Daftar Kata Kata (Uma Sekaran) | REEARCH METHOD FOR BUSINESS. http://metodepenelitianbisnis.blogspot.com/2012/01/daftar-kata-kata-uma-sekaran.html
Sekaran, U., & Bougie, R. (2016). Research Methods for Business. www.wileypluslearningspace.com
Setyo Iriani, S., & Lestari Andjarwati, A. (2020). ANALYSIS OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, AND PERCEIVED RISK TOWARD ONLINE SHOPPING IN THE ERA OF COVID-19 PANDEMIC. In Systematic Reviews in Pharmacy (Vol. 11, Issue 12).
Surbhi, S. (2022). Difference Between Probability and Non-Probability Sampling (With Comparison Chart) - Key Differences. https://keydifferences.com/difference-between-probability-and-non-probability-sampling.html
Temenos. (2023). What is Digital Banking? https://www.temenos.com/news/2019/12/19/what-is-digital-banking/
Venkatesh, V., Smith, R. H., Morris, M. G., Davis, G. B., Davis, F. D., & Walton, S. M. (2003). Quarterly USER ACCEPTANCE OF INFORMATION TECHNOLOGY: TOWARD A UNIFIED VIEW1.
Xuan Loc Ho Chi, T., Anh Tuan, B., Ngoc Dat, N., Thanh Liem Ho Chi, H., Xuan Loc, T., & Thanh Liem, H. (2020). Article ID: IJM_11_08_121 Customer Behavior in Choosing E-Tourism Services. International Journal of Management (IJM, 11(8), 1330–1337. https://doi.org/10.34218/IJM.11.8.2020.121
Zulkarnaen, W., Amin, N. N. (2018). Pengaruh Strategi Penetapan Harga Terhadap Kepuasan Konsumen. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 2(1), 106-128.
Published
2023-12-01
How to Cite
Halim, J., Iddo Daely, A., & Trubus Andy Hartono, S. (2023). ANALYSIS OF CONTINUE USAGE INTENTION OF BLU BCA DIGITAL IN JAKARTA. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 7(3), 1351-1369. https://doi.org/10.31955/mea.v7i3.3325
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