Hedonic Experience and Behavioral Control as Predictors of Mobile Banking Continuance: Empirical Evidence from BRImo Users in Indonesia

Authors

  • Hamdani Hamdani Department of Business Administration, State Polytechnic of Samarinda, Indonesia
  • Noor Emiliani Putri Department of Business Administration, State Polytechnic of Samarinda, Indonesia
  • ST Nurhasanah Department of Business Administration, State Polytechnic of Samarinda, Indonesia
  • Andi Nurhasanah Department of Business Administration, State Polytechnic of Samarinda, Indonesia
  • Andi Syarifuddin Department of Business Administration, State Polytechnic of Samarinda, Indonesia
  • Syachrul Syachrul Department of Business Administration, State Polytechnic of Samarinda, Indonesia

DOI:

https://doi.org/10.69930/ajer.v2i3.589

Keywords:

Mobile banking, perceived enjoyment, behavioral control, continuance intention, BRImo

Abstract

Mobile banking has become one of the most transformative innovations in the financial technology landscape, yet sustaining users' continuance intention remains a major challenge for digital banking providers. This study aims to analyze the influence of perceived enjoyment and behavioural control on users' continuance intention to use BRImo, a leading mobile banking application in Indonesia. Employing a quantitative explanatory design, data were collected from 100 BRImo users in Samarinda using a structured Likert-scale questionnaire distributed both offline and online. The instrument passed validity and reliability testing, and data were analyzed using multiple linear regression, accompanied by t-tests, F-tests, and R² evaluation. The findings indicate that both perceived enjoyment and behavioural control exert a positive and significant effect on continuance intention (β = 0.346; p = 0.002 and β = 0.404; p = 0.000, respectively). The simultaneous influence of the two variables was confirmed through the F-test (F = 76.190; p < 0.001). The model demonstrates strong explanatory power, with an R² value of 0.603, indicating that the two predictors explain 60.3% of users' continuance intention, while the remaining 39.7% may be attributed to variables such as trust, satisfaction, habit, and service quality. These results highlight the critical roles of hedonic experience and perceived behavioural control in shaping post-adoption behaviour in mobile banking services. The study extends the applicability of TAM and TPB in a post-adoption context and provides practical implications for digital banking providers to enhance user experience, emotional engagement, and perceived control to strengthen long-term usage.

References

1. Davis FD. User acceptance of information systems: the technology acceptance model (TAM). 1987;

2. Lestari PA, Fasa MI. Transformasi Digital Banking: Manfaat dan Risiko Transaksi Online Modern (Internet Banking dan Mobile Banking). J Media Akad JMA. 2025;3(4).

3. Esmaeili A, Haghgoo I, Davidavičienė V, Meidutė-Kavaliauskienė I. Customer Loyalty in Mobile Banking: Evaluation of Perceived Risk, Relative Advantages, and Usability Factors. Eng Econ. 2021 Feb 26;32(1):70–81.

4. Savitri P. Transformasi digital dalam industri perbankan: Implikasi terhadap akuntansi dan teknologi informasi. Penerbit NEM; 2024.

5. Aprianto IGLA. Tinjauan Literatur: Penerimaan Teknologi Model UTAUT. KONSTELASI Konvergensi Teknol Dan Sist Inf [Internet]. 2022 Apr 22 [cited 2025 Nov 14];2(1). Available from: https://ojs.uajy.ac.id/index.php/konstelasi/article/view/5377

6. Maharani Y. Minat Generasi Z Menggunakan Kembali Transaksi Mobile Payment: Pendekatan Model UTAUT 2. J Akunt DAN BISNIS J Program Studi Akunt. 2021 Oct 25;7(2):140–54.

7. Monica F, Japarianto E. Analisa pengaruh perceived ease of use dan melalui perceived enjoyment terhadap behavior intention pada digital payment. J Manaj Pemasar. 2022;16(1):9–15.

8. Kulsum SE, Pinandito A, Maghfiroh ISE. Analisis Faktor yang Memengaruhi Niat Penggunaan Berkelanjutan Bank Digital. J Pengemb Teknol Inf Dan Ilmu Komput. 2025;9(7).

9. Triana D. Pengaruh Literasi Digital, Promosi, dan Manfaat Terhadap Penggunaan aplikasi BRIMo (Studi pada Nasabah di Bank BRI Unit Sabang). 2025;

10. Fitriani D, Winda GNO. Analisis pengaruh attitude, subjektif norm dan perceived behavioral control pada game Shopee Tanam terhadap purchase intention dan actual behavior. Innov J Soc Sci Res. 2023;3(3):5313–30.

11. Octavia CD, Handayani WPP. Purchase intention produk ramah lingkungan: Pendekatan theory of planned behavior. J Manag Digit Bus. 2025 Apr 26;5(2):369–84.

12. Lutfi A. Factors Influencing the Continuance Intention to Use Accounting Information System in Jordanian SMEs from the Perspectives of UTAUT: Top Management Support and Self-Efficacy as Predictor Factors. Economies. 2022 Mar 24;10(4):75.

13. Hoque ME, Susanto P, Shah NU, Khatimah H, Mamun AA. Does perceived behavioral control mediate customers’ innovativeness and continuance intention of e-money? The moderating role of perceived risk and e-security. Int J Emerg Mark. 2024 Dec 2;19(12):4481–502.

14. Sari M, Rachman H, Juli Astuti N, Win Afgani M, Abdullah Siroj R. Explanatory Survey dalam Metode Penelitian Deskriptif Kuantitatif. J Pendidik Sains Dan Komput. 2022 Dec 22;3(01):10–6.

15. Lu B, Lemeshow S. Survey Sampling and Propensity Score Matching. In: Irwing P, Booth T, Hughes DJ, editors. The Wiley Handbook of Psychometric Testing [Internet]. 1st ed. Wiley; 2018 [cited 2025 Nov 16]. p. 95–111. Available from: https://onlinelibrary.wiley.com/doi/10.1002/9781118489772.ch4

16. Abu-Taieh EM, AlHadid I, Abu-Tayeh S, Masa’deh R, Alkhawaldeh RS, Khwaldeh S, et al. Continued Intention to Use of M-Banking in Jordan by Integrating UTAUT, TPB, TAM and Service Quality with ML. J Open Innov Technol Mark Complex. 2022 Sept;8(3):120.

17. Ajzen I. The theory of planned behavior. Organ Behav Hum Decis Process. 1991 Dec;50(2):179–211.

18. Alwi MN, Bahari F, Turot M, Nainggolan A, Semmawi R. Tantangan dan Peluang Perbankan Digital: Studi Kasus Inovasi Keuangan dan Transformasi Perbankan. J Cahaya Mandalika ISSN 2721-4796 Online. 2023;3(2):2160–77.

19. Jennah R. Pengaruh Persepsi Kemudahan, Kegunaan, Kesenangan, dan Interaksi terhadap Kepuasan Pengguna dan Niat Pembelian melalui Chatbot “TANYA” pada platform Tokopedia. 2025;

20. Astutik SP. Pengaruh perceived ease of use dan perceived usefulness terhadap continuance intention to use bri mobile dengan trust sebagai variabel intervening. 2025.

21. Wang X, Lin X, Liu Z. Understanding Consumers’ Post-Adoption Behavior in Sharing Economy Services. J Comput Inf Syst. 2021 May 4;61(3):275–84.

Downloads

Published

2025-11-26

How to Cite

Hamdani, H., Putri , N. E., ST Nurhasanah, Andi Nurhasanah, Andi Syarifuddin, & Syachrul, S. (2025). Hedonic Experience and Behavioral Control as Predictors of Mobile Banking Continuance: Empirical Evidence from BRImo Users in Indonesia. Asian Journal of Environmental Research, 2(3), 283–293. https://doi.org/10.69930/ajer.v2i3.589

Issue

Vol. 2 No. 3 (2025): Available online

Section

Articles

License

Copyright (c) 2025 Hamdani Hamdani, Noor Emiliani Putri , ST Nurhasanah, Andi Nurhasanah, Andi Syarifuddin, Syachrul Syachrul

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Most read articles by the same author(s)

Similar Articles

You may also start an advanced similarity search for this article.