Analysis of Technology Acceptance Using the UTAUT Model: A Case Study of the Use of Blu By BCA Digital

Fajar Ramadhandi Hidayat; Naufal Ramadhani Adiyatma; Damar Adji Sasongko

doi:10.59934/jaiea.v4i3.1182

Authors

Fajar Ramadhandi Hidayat UPN Veteran Jawa Timur
Naufal Ramadhani Adiyatma UPN Veteran Jawa Timur
Damar Adji Sasongko UPN Veteran Jawa Timur

DOI:

https://doi.org/10.59934/jaiea.v4i3.1182

Keywords:

UTAUT, blu By BCA Digital, behavioral intention, digital banking, user acceptance

Abstract

This study investigates user acceptance of the Blu by BCA Digital application using the UTAUT framework, extended with the Perceived Risk construct. The objective is to analyze key factors influencing behavioral intention to adopt digital banking services. A descriptive quantitative approach was employed through an online questionnaire distributed to Blu users. The instrument was developed from established indicators and refined through validity and reliability testing. Data were analyzed using Jamovi and WarpPLS, covering both measurement and structural model assessments. The results show that Performance Expectancy, Social Influence, Facilitating Conditions, and Perceived Risk significantly affect behavioral intention, while Effort Expectancy does not. These findings reflect users’ emphasis on benefits, support systems, and security over ease of use, indicating increasing digital familiarity. This research contributes to understanding technology acceptance in the digital finance sector and provides insights for developers and institutions in enhancing user adoption.

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