Analisis Faktor-Faktor yang Memengaruhi Niat dan Perilaku Penggunaan Aplikasi Wondr by BNI dengan Pendekatan Model Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2)

Fahrun Fahrudin, Dr. Agusta Ika Prihanti Nugraheni, S.E., M.B.A.

2026 | Tugas Akhir | D4 PERBANKAN

Aplikasi Wondr by BNI merupakan layanan mobile banking yang dikembangkan untuk mendukung kebutuhan transaksi digital masyarakat secara lebih praktis dan terintegrasi. Namun, pada masa transisi dari BNI Mobile Banking ke Wondr by BNI, masih terdapat perbedaan tingkat penerimaan dan penggunaan aplikasi di kalangan pengguna. Penelitian ini bertujuan menganalisis pengaruh performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, dan habit terhadap behavioral intention, serta pengaruh behavioral intention terhadap use behavior pada pengguna Wondr by BNI menggunakan model UTAUT 2. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling terhadap 210 responden pengguna Wondr by BNI. Pengumpulan data dilakukan melalui penyebaran kuesioner online menggunakan Google Form pada periode 5-11 Mei 2026. Analisis data dilakukan menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) melalui SmartPLS 4.1.1.8. Hasil penelitian menunjukkan bahwa social influence, price value, dan habit berpengaruh positif dan signifikan terhadap behavioral intention. Sementara itu, performance expectancy, effort expectancy, facilitating conditions, dan hedonic motivation tidak berpengaruh signifikan terhadap behavioral intention. Selain itu, behavioral intention terbukti berpengaruh positif dan signifikan terhadap use behavior aplikasi Wondr by BNI. Temuan ini menunjukkan bahwa penggunaan Wondr by BNI lebih dipengaruhi oleh faktor sosial, persepsi nilai manfaat, kebiasaan penggunaan teknologi digital, serta niat penggunaan yang telah terbentuk dalam aktivitas transaksi sehari-hari.

Wondr by BNI is a mobile banking application developed to support digital financial transactions in a more practical and integrated manner. However, during the transition period from BNI Mobile Banking to Wondr by BNI, differences in user acceptance and application usage were still identified among customers. This study aims to analyze the effects of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit on behavioral intention, as well as the effect of behavioral intention on use behavior among Wondr by BNI users using the UTAUT 2 model. This study employed a quantitative approach using purposive sampling involving 210 Wondr by BNI users. Data were collected through online questionnaires distributed via Google Forms during the period of May 5-11, 2026. Data analysis was conducted using the Partial Least Square-Structural Equation Modeling (PLS-SEM) method with SmartPLS 4.1.1.8. The findings indicate that social influence, price value, and habit have a positive and significant effect on behavioral intention. Meanwhile, performance expectancy, effort expectancy, facilitating conditions, and hedonic motivation do not significantly affect behavioral intention. In addition, behavioral intention was found to have a positive and significant effect on the use behavior of the Wondr by BNI application. These findings suggest that the use of Wondr by BNI is more strongly influenced by social factors, perceived value benefits, digital usage habits, and users’ established intentions in conducting daily financial transactions.

Kata Kunci : UTAUT 2, Wondr by BNI, Behavioral Intention, Use Behavior, Mobile Banking