ADOPTION OF GREEN BANKING TECHNOLOGY: A PERSPECTIVE FROM ISLAMIC BANKING CUSTOMERS

Abstract

This study examines the factors influencing customer adoption of Green Banking Technology through a descriptive-exploratory quantitative approach supported by qualitative data. The first phase of the research involves an exploratory stage to identify potential constructs, while the second phase involves quantitative testing of the TAM 3 model as the underlying framework. The study population consists of BSI customers in the Special Region of Yogyakarta, with a sample of 150 respondents. The data were analyzed using the PLS- SEM method with the WarpPLS 8.0 analytical tool. The results indicate that Output Quality, Result Demonstrability, and Perceived Ease of Use significantly affect Perceived Usefulness, while Computer Self-Efficacy and Perceived Enjoyment influence Perceived Ease of Use. Additionally, Perceived Usefulness and Perceived Ease of Use significantly impact Behavioral Intention. The implications of this research are expected to provide valuable insights for BSI and other Islamic banking institutions to enhance the quality of Green Banking Technology services, thus better meeting customers' needs for Islamic financial technology.