Continuance Intention of Jenius Digital Bank Users in Surabaya: A UTAUT Approach with Experience as a Moderator

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Quantitative analysis shows performance expectancy and effort expectancy impact continuance intention, highlighting experience's moderating role.

Continuance intention of Jenius digital bank users is significantly influenced by performance expectancy, effort expectancy, and social influence.
Experience moderates the relationship between performance expectancy and continuance intention, enhancing the effectiveness of digital banking.
Data analysis was conducted through Partial Least Squares Structural Equation Modeling (PLS-SEM) with a sample of 156 participants.
Findings support the UTAUT model's relevance in understanding the ongoing use of digital banking services.

Margareth et al. (2025) studied this question.

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View Full Paper

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Authors

Quantitative analysis shows performance expectancy and effort expectancy impact continuance intention, highlighting experience's moderating role.

Continuance intention of Jenius digital bank users is significantly influenced by performance expectancy, effort expectancy, and social influence.
Experience moderates the relationship between performance expectancy and continuance intention, enhancing the effectiveness of digital banking.
Data analysis was conducted through Partial Least Squares Structural Equation Modeling (PLS-SEM) with a sample of 156 participants.
Findings support the UTAUT model's relevance in understanding the ongoing use of digital banking services.

Margareth et al. (2025) studied this question.

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