Analysis of Acceptance and Usage of Blu by BCA Digital Using UTAUT Model

Abstract

The increasing adoption of digital banking services in Indonesia encourages the importance of understanding the factors that influence the acceptance of financial technology by the public. This study aims to analyze the intention and behavior of using the Blu by BCA Digital application using the Unified Theory of Acceptance and Use of Technology (UTAUT) approach. The method used is a quantitative approach through the distribution of online questionnaires to 400 respondents who use Blu by BCA Digital, as well as data analysis using Partial Least Square Structural Equation Modeling (PLS-SEM) through the SmartPLS 4.0  application. The results of the study indicate that the Facilitating Conditions variable has a significant effect on Use Behavior, while Performance Expectancy, Effort Expectancy, Facilitating Conditions and Social Influence do not show a significant effect on Intention to Use. In addition, Intention to Use is not always followed by Use Behavior in using Blu by BCA Digital. These findings indicate that the availability of technical infrastructure and service support are crucial factors in increasing user acceptance of digital banking services. Therefore, the application development strategy should prioritize the availability of facilities that support optimal user experience.