The Influence of the UTAUT2 Model, Perceived Risk, and Digital Literacy on Continued Usage Behavior with Continued Usage Intention as a Mediating Variable in the Ollin by Nagari Application: A Study of Customers at Bank Nagari Pariaman

Fitri Yenti; Abror Abror

doi:10.55927/fjmr.v5i3.32

Authors

Fitri Yenti Universitas Negeri Padang
Abror Abror Universitas Negeri Padang

DOI:

https://doi.org/10.55927/fjmr.v5i3.32

Keywords:

UTAUT2, Perceived Risk, Digital Literacy, Continued Use Intention, Continued Use Behavior

Abstract

This study aims to analyze the influence of UTAUT2, perceived risk, and digital literacy on continued usage behavior with continued usage intention as a mediating variable among customers of Bank Nagari Pariaman Branch. The study used a quantitative explanatory approach with a random sampling technique on 221 respondents and analyzed using SEM-PLS. The results show that price value, habit, and digital literacy have a significant positive effect on continued usage intention, while performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, and perceived risk are not significant. Continued usage intention, facilitating conditions, and habit have a direct effect on continued usage behavior. These findings confirm that the continued use of the Ollin application is more determined by the perceived value, habits, and digital capacity of users than initial functional factors, so that development strategies need to be focused on creating real value and strengthening digital literacy.

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