The Effect of User Interface Development on Mobile-banking Usage During the Covid-19 Pandemic

Abstract

This research was conducted to examine the direct and indirect roles of the factors that determine the behavior of using BTN mobile-banking during the Covid-19 pandemic. Population is Malang State Polytechnic faculty-members who use the BTN mobile-banking application. Questionnaire that was adapted from the integration of the Technology Acceptance Model and Theory of Planned Behavior was distributed electronically. The sampling technique used purposive sampling, and 112 data were used as objects of analysis using Path Analysis. The result indicated that Perceived Usefulness and Perceived Ease of Use positively and significantly contribute to Attitude Toward Behavior which leads to the faculty-member’s intention to use m-banking, while from the total coefficients it was proved that the easiness predominantly affects intention to use technology. In contrary, Subjective Norm has no significant effect on intention to use. The development of a user interface in a mbanking application during the Covid-19 pandemic is very important for banking industry. However, the easiness has proven to be the most important factor to consider rather than other factors. Keywords—technology acceptance model, theory of planned behavior, mobile-banking, covid-19