AbuShanab, E., & Pearson, J. M. (2007). Internet banking in Jordan. Journal of Systems and Information Technology, 9(1), 78-97.
Agresti, A. (2018). Statistical Methods For The Social Sciences Vol. 5th Edition. London: Pearson Education, Ltd.
Ahmad, K., & Yahaya, M. H. (2023). Islamic social financing and efficient zakat distribution: impact of fintech adoption among the asnaf in Malaysia. Journal of Islamic Marketing, 14(9), 2253-2284.
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior And Human Decision Processes, 50, 179-221.
Al-Sabaawi, M. Y. M., Alshaher, A. A., & Alsalem, M. A. (2023). User trends of electronic payment systems adoption in developing countries: an empirical analysis. Journal of Science and Technology Policy Management, 14(2), 246-270.
Aldás‐Manzano, J., Lassala‐Navarré, C., Ruiz‐Mafé, C., & Sanz‐Blas, S. (2009). The role of consumer innovativeness and perceived risk in online banking usage. International Journal of Bank Marketing, 27(1), 53-75.
Alkhwaldi, A. F. (2023). Understanding learners' intention toward Metaverse in higher education institutions from a developing country perspective: UTAUT and ISS integrated model. Kybernetes.
Bailey, A. A., Bonifield, C. M., Arias, A., & Villegas, J. (2022). Mobile payment adoption in Latin America. Journal of Services Marketing, 36(8), 1058-1075.
Bandura, A. (1991). Handbook of Moral Behavior and Development Volume 1: Theory. edited by W. M. Kurtinez and J. L. Gewirtz. New Jersey: Lawrence Erlbaum Associates, Publishers.
Baptista, G., & Oliveira, T. (2017). Why so serious? Gamification impact in the acceptance of mobile banking services. Internet Research, 27(1), 118-139.
Bhatnagr, P., & Rajesh, A. (2023). Neobanking adoption – An integrated UTAUT-3, perceived risk and recommendation model. South Asian Journal of Marketing.
Bradley, L., & Stewart, K. (2003). A Delphi study of Internet banking. Marketing Intelligence & Planning, 21(5), 272-281.
Çera, G., Pagria, I., Khan, K. A., & Muaremi, L. (2020). Mobile banking usage and gamification: the moderating effect of generational cohorts. Journal of Systems and Information Technology, 22(3), 243-263.
Chakraborty, U., & Biswal, S.K. (2023). Impact of social media participation on female entrepreneurs towards their digital entrepreneurship intention and psychological empowerment. Journal of Research in Marketing and Entrepreneurship, 25 (3), 374-392.
Chan, R., Troshani, I., Rao Hill, S., & Hoffmann, A. (2022). Towards an understanding of consumers’ FinTech adoption: The case of Open Banking. International Journal of Bank Marketing, 40(4), 886-917.
Cheung, M. L., Leung, W. K., Yang, M. X., Koay, K. Y., & Chang, M. K. (2022). Exploring the nexus of social media influencers and consumer brand engagement. Asia Pacific Journal of Marketing and Logistics, 34(10), 2370-2385.
Compeau, D. R., & Higgins, C.A. (1995). Application of Social Cognitive Theory to Training for Computer Skills. Information Systems Research, 6(2), 118-143.
Cruz, P., Barretto Filgueiras Neto, L., Muñoz‐Gallego, P., & Laukkanen, T. (2010). Mobile banking rollout in emerging markets: evidence from Brazil. International Journal of bank marketing, 28(5), 342-371.
Dalziel, R. C., De Klerk, N. (2021). Media and group influence on Generation Y consumers’ attitudes towards beauty products. Spanish Journal of Marketing - ESIC, 25(1), 115-136.
Davis, F. D. (1989). Technology Acceptance Models. MIS Quarterly, 13(3), 22.
Dodds, W. B., Monroe, K. B., Grewal, D. (1991). Effects of Price, Brand, and Store Information on Buyers' Product Evaluations. Journal of Marketing Research, 28(3), 307.
Donnelly, J. R. A. (2015). Business statistics. 2nd ed. New Jersey: Pearson Education, Inc.
Doshi, P., Nigam, P., & Rishi, B. (2023). Customer values and patronage intention in social media networks: mediating role of perceived usefulness. VINE Journal of Information and Knowledge Management Systems.
Farzin, M., Sadeghi, M., Yahyayi Kharkeshi, F., Ruholahpur, H., & Fattahi, M. (2021). Extending UTAUT2 in M-banking adoption and actual use behavior: Does WOM communication matter? Asian Journal of Economics and Banking, 5(2), 136-157.
Fishbein, M., & Ajzen, I. (1975). Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research: Addison-Wesley Publishing Company.
Gazit, T. (2021). Key motivations for leading Facebook communities: a uses and gratifications approach. Aslib Journal of Information Management Decision, 73(3), 452-472.
Giovanis, A., Athanasopoulou, P., Assimakopoulos, C., & Sarmaniotis, C. (2019). Adoption of mobile banking services. International Journal of Bank Marketing, 37(5), 1165-1189.
Ha, Y. W., Kim, J., Libaque-Saenz, C. F., Chang, Y., & Park, M. C. (2015). Use and gratifications of mobile SNSs: Facebook and KakaoTalk in Korea. Telematics and Informatics, 32(3), 425-438.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2019). Multivariate Data Analysis. 8th ed.. United Kingdom: Cengage Learning EMEA.
Hair, J. F., Hult, G. T., Ringle, C. M., & Sarstedt, M. (2022). A Primer on Partial Least Square Structural Equation Modelling (PLS-SEM). Vol. 3rd Edition: Sage Publication.
Hashim, K. F., Tan, F. B., & Rashid, A. (2015). Adult learners' intention to adopt mobile learning: A motivational perspective. British Journal of Educational Technology, 46(2), 381-390.
Hassaan, M., Li, G., Yaseen, A. (2023). Toward an understanding of Pakistani customers' adoption of smart banking services: an extended application of UTAUT2 model with big brother effect and information privacy concern. International Journal of Bank Marketing, 41(7), 1715-1742.
Hsu, C. L., & Lin, J. C.-C. (2021). The effects of gratifications, flow and satisfaction on the usage of livestreaming services. Library Hi Tech.
Hutchinson, D., & Warren, M. (2003(. Security for internet banking: a framework. Logistic Information Management, 16(1), 64-73.
Indonesia. (1998). In Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 Tentang Perubahan Atas Undang-Undang Republik Indonesia Nomor 7 Tahun 1992 Tentang Perbankan: Sekretariat Negara
Insight ID, Mengenal Lebih Dekat Pengguna Perbankan Digital di Indonesia, digiads.id, 19 Juli 2022, https://digiads.id/insight/mengenal-lebih-dekat-pengguna-perbankan-digital-di-indonesia.
Parayil Iqbal, U., Jose, S. M., & Tahir, M. (2023). Integrating trust with extended UTAUT model: a study on Islamic banking customers’m-banking adoption in the Maldives. Journal of Islamic marketing, 14(7), 1836-1858.
Jayani, Dwi Hadya, Pengguna Bank Digital di Indonesia Diproyeksi Capai 748 Juta pada 2026, databoks.katadata.co.id, 07 Oktober 2021, https://databoks.katadata.co.id/datapublish/2021/10/07/pengguna-bank-digital-di-indonesia-diproyeksi-capai-74,8-juta-pada-2026.
Jun, M., & Cai, S. (2001). The Key Determinant of Internet Banking. International Journal of Bank Marketing, 19(7), 276-291.
Katz, E., Blumer, J. G., & Gurevitch, M. (1973a). Uses and gratification research. Public Opinion Quarterly, 37(4), 509-522.
Katz, E., Gurevitch, M., & Haas, H. (1973b). On The Use of The Mass Media for Important Things. Amercian Sociological Review, 38(2), 164-181.
Kaur, S., & Arora, S. (2020). Role of perceived risk in online banking and its impact on behavioral intention: trust as a moderator. Journal of Asia Business Studies, 15(1), 1-30.
Kesharwani, A., Roy, S. K., & Singh Bisht, S. (2012). The impact of trust and perceived risk on internet banking adoption in India. International Journal of Bank Marketing, 30(4), 303-322.
Keuangan, O. J. (2018). Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.03/2018 Tentang Penyelenggaraan Layanan Perbankan Digital Oleh Bank Umum Lembaran Negara Republik Indonesia Tahun 2018 Nomor 127 (Tambahan Lembaran Negara Republik Indonesia Nomor 6235).
———. (2021). Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.03/2021 Tentang Bank Umum Lembaran Negara Republik Indonesia Nomor 163 Tahun 2021.
Laukkanen, T., Sinkkonen, S., Kivijarvi, M., & Laukkanen, P. (2007). Innovation resistance among mature consumers. Journal of Consumer Marketing, 24(7), 419-427.
Le, X. C. (2022). The diffusion of mobile QR-code payment: an empirical evaluation for a pandemic. Asia-Pacific Journal of Business Administration, 14(4), 617-636.
Limayem, M., & Hirt, S. (2003). Force of Habit and Information Systems Usage: Theory and Initial Validation. Journal of the Association for Information Systems, 4(1), 65-97.
Manrai, R., Goel, U., & Yadav, P.D. (2021). Factors affecting adoption of digital payments by semi-rural Indian women: extension of UTAUT-2 with self-determination theory and perceived credibility. Aslib Journal of Information Management, 73(6), 24.
Mansoori, K. A. A., Sarabdeen, J., & Tchantchane, A.L. (2018). Investigating Emirati citizens’ adoption of e-government services in Abu Dhabi using modified UTAUT model. Information Technology & People, 31(2), 455-481.
Meiranto, W. (2012). Analisis Faktor-Faktor Yang Mempengaruhi Minat Pemanfaatan dan Penggunaan Teknologi Pembaaran Elektronik Bergerak Dengan Menggunakan Model UTAUT (Studi Kasus pada Teknologi M-Dinar Payment System). Jurnal Akuntansi Indonesia, 1(1), 10.
Mohd Thas Thaker, H., Mohd Thas Thaker, M. A., Khaliq, A., Allah Pitchay, A., & Iqbal Hussain, H. (2022). Behavioural intention and adoption of internet banking among clients’ of Islamic banks in Malaysia: an analysis using UTAUT2. Journal of Islamic Marketing, 13(5), 1171-1197.
Mols, N. P. (1998). The Internet and the banks’ strategic distribution channel decisions. Internet Research: Electronic Networking Applications and Policy, 8(4), 331-337.
Moore, G. C., & Benbasat, I. (1991). Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation. Information System Research, 2(3), 192-222.
Nandru, P., Chendragiri, M., & SA, S. (2023). Factors affecting the adoption of mobile payment services during the COVID-19 pandemic: an application of extended UTAUT2 model. Journal of Science and Technology Policy Management.
Negm, E. M. (2023). Consumers’ acceptance intentions regarding e-payments: a focus on the extended unified theory of acceptance and use of technology (UTAUT2). Management & Sustainability: An Arab Review.
Nuzuli, A. K. (2022). Motives for Using Tik Tok in Uses and Gratification Theory Perspective. Komunika: Jurnal Dakwah dan Komunikasi, 16(1), 15-26.
Osei-Frimpong, K., Appiah Otoo, B. A., McLean, G., Islam, N., & Soga, L. R. (2023). What keeps me engaging? A study of consumers' continuous social media brand engagement practices. Information Technology & People, 36(6), 2440-2468.

Kwateng, K. O., Atiemo, K. A. O., & Appiah, C. (2018). Acceptance and use of mobile banking: an application of UTAUT2. Journal of enterprise information management, 32(1), 118-151.
Pertiwi, N. W. D. M. Y., & Ariyanto, D. (2017). Penerapan Model UTAUT2 Untuk Menjelaskan Minat dan Perilaku Penggunaan Mobile Banking di Kota Denpasar. E-Jurnal Akuntansi Universitas Udayana, 18(2), 2302-8556).
Rahi, S., & Abd. Ghani, M. (2018). The role of UTAUT, DOI, perceived technology security and game elements in internet banking adoption. World Journal of Science, Technology and Sustainable Development,15(4), 338-356.
———. (2019). Does gamified elements influence on user’s intention to adopt and intention to recommend internet banking? The International Journal of Information and Learning Technology, 36(1), 2-20.
Rahi, S., & Abd.Ghani, M. (2019). Investigating the role of UTAUT and e-service quality in internet banking adoption setting. The TQM Journal, 31(3), 491-506.
Rahi, S., Othman Mansour, M. M., Alghizzawi, M., & Alnaser, F. M. (2019). Integration of UTAUT model in internet banking adoption context: The mediating role of performance expectancy and effort expectancy. Journal of Research in Interactive Marketing, 13(3), 411-435.
Raza, S. A., Shah, N., & Ali, M. (2019). Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), 357-376.
Rogers, E. M. (1983). Diffusion of Innovations. 3rd ed. New York: The Free Press.
Santoso, A. A., & Rachmawati, I. (2021). Analisis Minat Penggunaan Layanan M-Banking Livin' By Mandiri di Indonesia Menggunakan Model Modifikasi UTAUT2. Paper read at e-Proceeding of Management, Oktober 2021.
Sathye, M. (1999). Adoption of Internet banking by Australian consumers: an empirical investigation Milind. International Journal of Bank Marketing Intelligence & Planning, 17(7), 324-334.
Sekarini, Y. A., & Meiranto, W. (2014(. Analisis Pengaruh Minat Pemanfaatan dan Penggunaan Sistem Informasi Terhadap Kinerja Individu Dengan Menggunakan UTAUT Model. Diponegoro Journal Of Accounting, 3(1), 1-15.
Shaikh, I. M., & Amin, H. (2023). Consumers’ innovativeness and acceptance towards use of financial technology in Pakistan: extension of the UTAUT model. Information Discovery and Delivery, 52(1), 114-122.
Sivathanu, B. (2019). Adoption of digital payment systems in the era of demonetization in India. Journal of Science and Technology Policy Management, 10(1), 143-171.
Sobti, N. (2019). Impact of demonetization on diffusion of mobile payment service in India. Journal of Advances in Management Research, 16(4), 472-497.
Srivastava, S., Mohta, A., & Shunmugasundaram, V. (2023). Adoption of digital payment FinTech service by Gen Y and Gen Z users: evidence from India. Digital Policy, Regulation and Governance.
Sugiyono, P. D. (2013). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Vol. Cetakan Kedua: Penerbit Alfabeta Bandung.
Tan, E., and J. Leby Lau. 2016. Behavioural intention to adopt mobile banking among the millennial generation. Young Consumers, 17(1), 18-31.
Tarhini, A., El-Masri, M., Ali, M., & Serrano, A. (2016). Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon. Information Technology & People, 29(4), 830-849.
Taylor, S., & Todd, P. (1995). Understanding Information Technology Usage: A Test of Competing Models. Information System Research, 6(2), 144-176.
Thompson, R. L., Higgins, C. A., & Howell, J. M. (1991). Personal computing: Toward a conceptual model of utilization. MIS quarterly, 15(1), 125-143.
Thongsri, N., Shen, L., Bao, Y., & Alharbi, I. M. (2018). Integrating UTAUT and UGT to explain behavioural intention to use M-learning. Journal of Systems and Information Technology, 20(3), 278-297.
Vallerand, R. J. (1997). Toward a hierarchical model of intrinsic and extrinsic motivation. In Advances in experimental social psychology (Vol. 29, pp. 271-360). Academic Press.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS quarterly, 27, 425-478.

Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS quarterly, 36(1), 157-178.

Wu, C.-G., & Ho, J. C. (2021). The influences of technological characteristics and user beliefs on customers' perceptions of live chat usage in mobile banking. International Journal of Bank Marketing, 40(1), 68-86.
Wu, Z., & Liu, Y. (2022). Exploring country differences in the adoption of mobile payment service: the surprising robustness of the UTAUT2 model. International Journal of Bank Marketing, 41(2), 237-268.
Wut, E., Ng, P., Leung, K. S. W., & Lee, D. (2021). Do gamified elements affect young people’s use behaviour on consumption-related mobile applications?. Young Consumers, 22(3), 368-386.
Yaseen, S. G., El Qirem, I. A., & Dajani, D. (2022). Islamic mobile banking smart services adoption and use in Jordan. ISRA International Journal of Islamic Finance, 14(3), 349-362.