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Research Paper | Management | Indonesia | Volume 8 Issue 1, January 2019

Branchless Banking Technology Adoption by Agen Brilink through UTAUT2 Model at PT Bank Rakyat Indonesia (Persero) Tbk

Miftah Alfarid | Arief Daryanto ^[6] | Setiadi Djohar ^[6]

Abstract: PT. Bank Rakyat Indonesia (Persero) Tbk, or BRI has apllied Branchless Banking technology since 2013 which known as BRILink. Since launched, BRILinks contribution due to BRIs management expectation hasnt come yet. The BRILink Agent must have minimum 200 transactions done or equal to Rp.400.000 Rp.1.000.000 comission generated by each Agent a month to fullfill the breakevent calculation on business. This research aim is to investigate factors that influence use behavior of branchless technology by BRILink Agent. Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) approach apllied in this research. The data collected by spreaded online quetionaires survey link to BRILink Agent population at Kanwil BRI Semarang and resulted 205 feedback from respondents. In order to get the significant result, only the datas from the agent who have minimum Rp.1.000.000 comission a month used in the calculation. This research design is quantitative descriptive with cross sectional survey and the data was analized with structural equation model (SEM) running with SmartPLS v.3.2.7 program. The result show that effort expectancy and social significantly influence at 10 % confident the use behavior of BRILink technology. Otherwise, the others factor such as performance expectancy, facilitating conditions, hedonis motivation, price and habit havent significantly influence to the use behavior of BRILink technology. The author recommendation on this research is to have advanced research focusing at low transaction agen group. That can investigate more factors that affect slow adopting BRILink technology by the agent.

Keywords: branchless banking, BRILink, UTAUT2, structural equation model

Edition: Volume 8 Issue 1, January 2019,

Pages: 1298 - 1302

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