DETERMINANTS OF THE INTENTION OF SOCIAL AID BENEFICIARIES TO USE BANKING SELF-SERVICE TECHNOLOGY (SST)

This study aims to examine the intention of social aid beneficiaries to use banking Self-Service Technology (SST). In general, the social aid beneficiaries have limitations in accessing banking technologies. Therefore, research on the determinants of the intention of social aid beneficiaries in using banking SST is considered necessary. The independent variables used in this study are attitude, coercive pressure, normative pressure, mimetic pressure, and perceived costs, while the dependent variable is the intention to use banking SST. Respondents in this study are social aid beneficiaries who have used banking services. The research hypotheses are tested using Partial Least Square-Structural Equation Model (PLS-SEM) analysis with WarpPLS 7. The results of this study indicate that attitude, normative pressure, mimetic pressure, and perceived costs have a significant positive effect on the intention to use banking SST, while coercive pressure has a significant negative effect on the intention to use banking SST.