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"Penelitian ini bertujuan untuk menganalisis faktor perspektif individu di Indonesia untuk mengadopsi aplikasi mobile banking. Model dibangun dengan mengadopsi teori model E-Government Adoption Model dan Customer Relationship Management. Penelitian ini menggunakan pendekatan kuantitatif dengan kuesioner online yang melibatkan 444 responden pengguna aplikasi mobile banking di Indonesia. Pengolahan data dilakukan menggunakan Covariance-Based Structural Equation Modeling dengan aplikasi IBM AMOS versi 26. Hasil penelitian menunjukkan faktor Health Consciousness, Availability of Resources, Personal Innovativeness dan Perceived Information Quality memengaruhi adopsi aplikasi mobile banking di tahap statis. Selain itu, ditemukan suatu tahapan dapat memengaruhi secara positif tahapan lainnya dalam mengadopsi aplikasi mobile banking. Penemuan penelitian diharapkan dapat membantu tim pengembang aplikasi untuk mempertimbangkan pengembangan fitur yang mendukung setiap tahapan penggunaan. Selain itu, dapat mendorong regulator mempersiapkan peraturan yang mendukung pengembangan.

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Purpose: This study aims to analyze the individual perspective factors in Indonesia to adopt mobile banking (m-banking) applications. The model was built by adopting the theory of the e-government adoption model and customer relationship management. Design/methodology/approach: This study uses a quantitative approach with an online questionnaire involving 444 respondents who use m-banking applications in Indonesia. Data are processed using covariance-based structural equation modeling. Findings: The results showed that health consciousness, availability of resources, personal innovativeness and perceived information quality factors influenced the adoption of mobile banking applications in the static stage. In addition, this study found that one adoption stage could positively impact another adoption stage in adopting mbanking applications. Research limitations/implications: The research findings are expected to help the mbanking application development team consider developing features that support each adoption stage. Originality/value: This study fills in the gap to analyse the individual perspective of behavior, culture, and organization to adopt m-banking applications in three stages, namely, static, interaction and transaction stages."

"Penelitian ini bertujuan untuk menganalisa faktor-faktor yang mempengaruhi adopsi mobile banking di Indonesia. Model konseptual yang digunakan ada replikasi dari penelitian sebelumnya, menggabungkan model Task Technology Fit (TTF) dan Unified Theory of Acceptance and Use of Technology (UTAUT). Untuk menguju korelasi dari variabel yang digunakan, penelitian ini menggunakan partial least square structural equation modelling (PLS-SEM). Ada delapan variabel yang digunakan dalam penelitian ini: Task Characteristics, Technology Characteristics, Task Technology Fit, Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, dan User Adoption. Data yang diperoleh oleh online survei sebanyak 301 respon. Responden dipilih berdasarkan pengalaman mereka dalam menggunakan mobile banking. Hasil penelitian menunjukkan bahwa Task Characteristics, Technology Characteristics, Task Technology Fit, Performance Expectancy, Effort Expectancy, Social Influence, dan Facilitating Conditions memiliki pengaruh positif dalam adopsi mobile banking di Indonesia

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This research aims to analyse the factors that are affecting the adoption of mobile banking in Indonesia. The conceptual model is replicated from previous research, combining the Task Technology Fit (TTF) and Unified Theory of Acceptance and Use of Technology (UTAUT) model. To test the correlation of the variables used, this research is using partial least square structural equation modelling (PLS-SEM). There are eight variables used in this research: Task Characteristics, Technology Characteristics, Task Technology Fit, Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, and User Adoption. There are 301 responses collected for the data analysis using online surveys. The respondents are selected based on their previous experience in using mobile banking. The result of the research revealed that Task Characteristics, Technology Characteristics, Task Technology Fit, Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions have a positive effect towards mobile banking adoption in Indonesia."