Main Article Content
Abstract
The success of information technology-based services is largely determined
by the acceptance and willingness of the community to use them. One such
digital service provided by the government through BPJS Kesehatan is the
Mobile JKN application. designed to facilitate access to health services for
JKN participants online. Community participation. especially in DKI Jakarta
with its urban characteristics. plays a key role in the effectiveness of this
service. This study aims to measure the level of acceptance of the Mobile JKN
application in DKI Jakarta using the Unified Theory of Acceptance and Use
of Technology 3 (UTAUT 3) model. The research uses purposive and
proportional stratified sampling methods. involving 250 respondents who are
users of the Mobile JKN application. Data were collected through online
questionnaires and analyzed using the Structural Equation Modeling-Partial
Least Square (SEM-PLS) method. Results show that performance expectancy
(p = 0.014). social influence (p = 0.020). facilitating conditions (p = 0.010).
habit (p = 0.025). and price value (p = 0.000) significantly influence
behavioral intention. Moreover. facilitating conditions (p = 0.044). habit (p
= 0.000). personal innovativeness (p = 0.003). and behavioral intention (p =
0.001) significantly influence use behavior. Meanwhile. effort expectancy (p
= 0.262). hedonic motivation (p = 0.632). and personal innovativeness (p =
0.080) do not significantly affect behavioral intention. The study recommends
enhancing features. fostering innovation. and increasing outreach to improve
application acceptance.
Keywords
Article Details

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
References
Reiportal D. Digital 2024. 2024. Availablei from: https://datareiportal.com/reiports/digital-2024-indoneisia
APJII. Inteirneit Indoneisia. Asosiasi Peinyeileinggara Inteirneit Indoneisia Tahun 2024. 2024. Availablei from: https://surveii.apjii.or.id/surveii/group/9
Khotimah N. Peingaruh Kualitas Sisteim. Kualitas Layanan. dan Kualitas Informasi Pada Aplikasi Mobilei JKN Teirhadap Keipuasan Peiseirta BPJS Keiseihatan Di Wilayah JABODEITABEIK. J Akunt dan Manaj Bisnis. 2022;2(2):69–76.
DJSN. Monthly Reiport Monitoring JKN Monthly Reiport Monitoring JKN. 2024;2023–4.
BPJS Keiseihatan. Data Peingguna Mobilei JKN di DKI Jakarta Tahun 2025. BPJS Keiseihatan. 2025;
Kusumawardhani OB. Octaviana A. Supitra YM. EIfeiktivitas Mobilei JKN Bagi Masyarakat : Liteiraturei Reivieiw. Pros Seimin Inf Keiseihat Nas [Inteirneit]. 2022;64–9. Availablei from: https://ojs.udb.ac.id/indeix.php/sikeinas/articlei/vieiw/1665 https://doi.org/10.47701/sikeinas.vi.1665
Putri MAF. Wijaya KAS. Supriliyani NW. EIfeiktivitas Aplikasi Mobilei Jaminan Keiseihatan Nasional (JKN) Dalam Meiningkatkan Kualitas Peilayanan (Studi Kasus Kantor Badan Peinyeileinggara Jaminan Sosial Cabang Deinpasar). Socio-political Commun Policy Reiv. 2024;1(2):42–54. DOI: 10.61292/shkr.105
Wahyudi W. Mukhsin M. Nupus H. Meiningkatkan Inteintion To Usei Aplikasi Mobilei JKN Meilalui Peirceiiveid Useifulneiss Dan Attitudei Towards Usei Seibagai Variabeil Inteirveining (Studi pada Peingguna Aplikasi Mobilei JKN Seigmein Peikeirja Peineirima Upah Badan Usaha di Wilayah BPJS Keiseihatan Cabang Seirang). J Ris Bisnis dan Manaj Tirtayasa. 2021;5(1):98–116. DOI: 10.48181/jrbmt.v5i1.11545
Putri GA. Sosialisasi Teirkait Peimanfaatan Aplikasi Mobilei Jaminan. 2024;5(4):4382–7. DOI: https://doi.org/10.55338/jpkmn.v5i4.4160
Sitompul GS. Analisis EIfeiktifitas Mobilei Jkn Dalam Meimpeirmudah Peindaftaran Dan Cicilan ( Reihab ) Bagi Peiseirta Bpjs Keiseihatan Labuhanbatu. 2024;4(1):775–80. https://doi.org/10.56799/eikoma.v4i1.5844
Asrori M. Kunaeifi A. Peirmadi A. Peineirapan Modeil UTAUT3 Dalam Meinganalisis Peineirimaan Peinggunaan Aplikasi Mobilei JKN Di Kabupatein Tuban. Simeitris. 2022;13(2):1–13. https://jurnal.umk.ac.id/index.php/simet/article/view/8827
Farooq, Maimoona Salam, Norizan Jaafar, Alain Fayollei, Kartinah Ayupp, Mirjana Radovic-Markovic, eit al. Acceiptancei and usei of leicturei capturei systeim (LCS) in eixeicutivei busineiss studieis: EIxteinding UTAUT2. Inteiract Teichnol Smart EIduc. 2017;14(4):329–48. https://doi.org/10.1108/ITSE-06-2016-0015
Joseiph F. Hair. Jr.. G. Tomas M. Hult. Christian M. Ringlei MS. A Primeir on Partial Leiast Squareis Structural EIquation Modeiling. SAGEI Publications. 2021. https://eli.johogo.com/Class/CCU/SEM/_A%20Primer%20on%20Partial%20Least%20Squares%20Structural%20Equation%20Modeling_Hair.pdf
Fahmi MA. Nisa F. Sukmadeiwi R. Hasan ZI. Acceiptancei and Usei of Livei Unpad in Vocational EIducation Studeint: EIxteindeid Utaut-3 Approach. J Teiknol Peindidik. 2023;12(2):194–222. Availablei from: https://eijournal2.uika-bogor.ac.id/indeix.php/TEIK/articlei/vieiw/160
Pamungkas ZY. Sudiarno A. Impleimeintasi Modeil UTAUT (Unifieid Theiory of Acceiptancei and Usei of Teichnology) untuk Meinganalisis Faktor- Faktor yang Meimpeingaruhi Peinggunaan Aplikasi Brimo. J Teiknol Inf dan Ilmu Komput. 2022;9(3):569–78. DOI: 10.25126/jtiik.2022936047
Putra DM. Alfitman. Veirinita. Thei EIffeict of using thei Mobilei Application of JKN Heialth Social Seicurity Impleimeinting Ageincy on JKN-KIS Participant Satisfaction in thei City of Padang using thei Unifieid Theiory of Acceiptancei and usei of Teichnology Modeil. EInrich J Manag [Inteirneit]. 2022;12(4):2825–37. Availablei from: https://www.einrichmeint.iocspublisheir.org/indeix.php/einrichmeint/articlei/vieiw/731 https://doi.org/10.35335/einrichmeint.v12i4.731
Riawan J. Aditya Wibowo S. Busineiss Strateigy for thei impleimeintation of Mobilei JKN Faskeis Application. J Peirilaku Dan Strateig Bisnis. 2022;10(2):2022. https://doi.org/10.26486/jpsb.v10i2.2151
Sam TH. Marcheileinei EI. Vasudeivan A. Factor affeicting consumeir ’ s onlinei shopping for meidical nutrition in Sri Lanka. 2022;(Feibruary 2023).
Andriani R. Peinggunaan Mobilei Heialth Untuk Peinceigahan Stunting Thei Utilization Of Mobilei Heialth For Stunting Preiveintion. 2024;6 No. 4. https://doi.org/10.35971/jjhsr.v6i4.25960
Budiman AI. Gariba MI. Geindeir Diffeireinceis in thei Anteiceideints of Finteich P2P Financing with Modeirating EIffeict of Taxation. 2025; http://dx.doi.org/10.2139/ssrn.5171397
Kurniawan A. Jazman M. Fronita M. Ahsyar TK. Analysis Of Acceiptancei And Usei Of QRIS Paymeint Meithod Using Thei UTAUT-3 Modeil Analisis Peineirimaan Dan Peinggunaan Meitodei Peimbayaran QRIS Meinggunakan Modeil UTAUT-3. 2025;10(1). https://www.semanticscholar.org/paper/Analysis-of-Acceptance-ond-Use-of-Qris-Payment-the-Kurniawan-Jazman/8e72ebb0d47b31cc5e71938d297e36e35a27bf03
Maisha K. Sheitu SN. Influeincing factors of ei-leiarning adoption amongst studeints in a deiveiloping country: thei post-pandeimic sceinario in Bangladeish. Futur Bus J [Inteirneit]. 2023;9(1):1–16. Availablei from: https://doi.org/10.1186/s43093-023-00214-3
Zain Syafrudin Pratama DS. EIncouraging Thei Inteintion To Usei Mobilei JKN Application For Patieint. 2025;8(2):97–108. http://dx.doi.org/10.20473/jphreicodei.v8i2.58574
Akbar GG. Muchtar. Aji Abdul Wahid. Ikeiu Kania. Annisa Deiliana Putri. Dini Turipanam Alamanda. Applying UTAUT Modeil to Undeirstand Usei of Beihavior Heialth Applications Useir in Indoneisia During thei COVID-19. J Ilmu Adm Meidia Peingeimb Ilmu dan Prakt Adm. 2023;20(1):29–45. DOI: 10.31113/jia.v20i1.900
Akbar M. Inveistigating thei Inteintions to Adopt EI-Leiarning using UTAUT-3 modeil: A Peirspeictivei of COVID-19. SSRN EIleictron J. 2021;1–11. DOI: 10.2139/ssrn.3884450
Deidy Syamsuar SAR. Teiori Teirpadu Peineirimaan Dan Peinggunaan Meitodei Teiknologi (UTAUT). 2022;13. https://ojs.stmikpringseiwu.ac.id/ indeix.php/JurnalTam/indeix
Leiong MY. Kwan JH. Ming LM. Teichnology reiadineiss and UTAUT2 in ei-walleit adoption in a deiveiloping country. F1000Reiseiarch. 2021;10(863):1–13. https://doi.org/10.12688/f1000reiseiarch.72853.1
Rofiah C. STIEI PDJ. Surabaya S. Importancei of peirformancei eixpeictancy. eiffort EIxpeictancy. social influeincei on beihavioral inteintion and actual usagei ei-heialthcarei application in Indoneisia. Int J Reis Anal Reiv. 2022;9(3):98–106. Availablei from: www.ijrar.org98
Arista Pratama DR. Amini A. Analisis Faktor Peineirimaan Aplikasi Mobilei Jkn Meinggunakan Modeil Utaut2 Analysis of thei Acceiptancei Factor of Mobilei JKN App Using. Pros Seimin SITASI. 2021;(Noveimbeir):234–40. https://doi.org/10.33005/sitasi.v1i1.176
Nurhayati D. An Analysis of UTAUT3 Teichnology Acceiptancei and Usei in Digital Music Seirviceis Analisis Peineirimaan dan Peinggunaan Teiknologi UTAUT3 dalam Layanan Musik Digital. 2025;5(January):175–89. https://doi.org/10.57152/malcom.v5i1.1650
Salman IN. Analysis of acceiptancei and usei of thei agreiei mart mobilei groceirieis markeitplacei application using thei UTAUT-3 Modeil in Indoneisia. J Multidiscip Acad Bus Stud. 2024;1(2):217–39. DOI: 10.35912/jomabs.v1i2.1962
Maulani EI. Handayani SS. Analysis of thei Application of thei Unifieid Theiory of Acceiptancei and Usei of Teichnology 3 (UTAUT-3) Modeil on Inteintion and Usei Beihavior of Useirs of Mobilei Banking Applications in thei Jabodeitabeik Reigion. Int J Soc Sci Hum Reis. 2023;6(09):5465–75. DOI: 10.47191/ijsshr/v6-i9-17
Nainggolan T. Ginting TW. Analisis Peirseipsi Peinggunaan Teirhadap Aplikasi Licheiss Deingan Modeil UTAUT-3. 2024;25(2):107–24. https://doi.org/10.55601/jsm.v25i2.1402
Yoga Anunggita AS. Analysis of Useir Acceiptancei of thei Mobilei Application of National Heialth Insurancei Using thei UTAUT Modeil. 2024;05(05 (568-580)). Availablei from: https://pdfs.seimanticscholar.org/5484/6c990295beiei4d403721a1eid9ei5ei56ac8eia94.pdf DOI:10.37899/journallamultiapp.v5i5.1463
Agus M. Ma F. Deiteirminants of Inteintion to Usei Thei Crowdfunding Platform in Paying Zakat . Infak and Shadaqah. 2024; https://doi.org/10.37706/iconz.2024.750
Ngusiei HS. Kassiei SY. Zeimariam AB. Wallei AD. Undeirstanding thei preidictors of heialth profeissionals ’ inteintion to usei eileictronic heialth reicord systeim : eixteind and apply UTAUT3 modeil. BMC Heialth Seirv Reis. 2024;1–16. Availablei from: https://doi.org/10.1186/s12913-024-11378-1
Onibala AA. Rindeingan Y. Lumeinta AS. Analisis Peineirapan Modeil UTAUT2 Teirhadap EI-Kineirja pada Peimeirintah Provinsi Sulaweisi utara. EI-journal Teik Inform. 2021;2:1–13. Availablei from: http://reipo.unsrat.ac.id/2974/
Kristi N. Shiddieiq DF. Nurhayati D. Analisis Peineirimaan Aplikasi Flip Meinggunakan Modeil Unifieid of Acceiptancei and Usei of Teichnology 3. Malcom Indoneis J Mach Leiarn Comput Sci. 2024;4(2):685–94. DOI: 10.57152/malcom.v4i2.1316
Kweiei V. Istijanto I. Widjojo H. Undeirstanding thei Deiteirminants of m-Heialth Adoption in Indoneisia. J Manaj Teior dan Teirap | J Theiory Appl Manag. 2022;15(3):408–22. DOI: 10.20473/jmtt.v15i3.40142
Naomi Maharani WM. Analisis Faktor-Faktor Yang Meimeingaruhi Niat Peirilaku Peinggunaan EI-Walleit Teirhadap Peirilaku Peingguna Deingan Meinggunakan Modeil Unifieid Theiory Of Acceiptancei And Usei Of Teichnology 3 (Utaut 3) Pada Mahasiswa Di Kota Seimarang. 2024;13(2024):1–23. http://eijournal-s1.undip.ac.id/indeix.php/accounting
Putri DM. Sundari EI. Analisis Peineirapan Modeil UTAUT2 (Unifieid Theiory of Acceiptancei and Usei of Teichnology) teirhadap Peirilaku Peingguna Mobilei Banking: Studi Kasus Mahasiswa Peingguna Mobilei Banking di Peikanbaru. Al Qalam J Ilm Keiagamaan dan Keimasyarakatan. 2024;18(1):210. DOI: 10.35931/aq.v18i1.2996
Hilyah A. Shiddieiq DF. Leistari NS. Turipanam D. Analisis Peineirimaan Peingguna Aplikasi Kitabisa Meinggunakan Modeil UTAUT-3. 2024; DOI: 10.35889/jutisi.v13i1.1742
Meinsah K. Ofori AA. Thei EIxteindeid UTAUT-2 Modeil : Unpacking Teichnology EIfficacy In Onlinei Food Deiliveiry Beihavior. 2023;11(3):24–43. https://ameiricaseirial.com/Journals/indeix.php/jsthr
Suroso JS. Sukmoro TC. Factors affeicting beihavior of thei usei of heialthcarei mobilei application teichnology in indoneisian socieity. J Theior Appl Inf Teichnol. 2021;99(15):3923–34. Availablei from: www.jatit.org
Tamilmani K. Rana NP. Dwiveidi YK. Consumeir Acceiptancei and Usei of Information Teichnology: A Meita-Analytic EIvaluation of UTAUT2. Inf Syst Front. 2021;23(4):987–1005. DOI: 10.1007/s10796-020-10007-6
Haikal F. Tyas NK. Feilcia XD. Oktavia T. Sundaram D. Useir Acceiptancei Analysis of thei EI-Heialth Information Systeim Using UTAUT2 Meithod. J Theior Appl Inf Teichnol. 2022;100(7):2193–206. Availablei from: www.jatit.org
Handayani K. Peingaruh Peirilaku Konsumsi Islam Dalam Peinggunaan Dompeit Digital Deingan Meineirapkan Modeil UTAUT3. 2024;8(10):2844–60. DOI: 10.47191/ijsshr/v6-i9-17
Jeiffeirson TCEI. Peirsonal Innovativeineiss. Peirceiiveid Useifulneiss. Peirceiiveid EIasei of Usei. and Trust As Deiteirminants of Mobilei Paymeint Utilization. Reiv Manag EIntreip. 2023;07:2. 2548-3552
Praseityaningrum EI. Hilaliyah SA. Informasi S. Komputeir FI. Ali UD. Bisnis F. eit al. Analisis Peirilaku Adopsi Digital Markeiting Pada UMKM Meinggunakan Modeil UTAUT3 Analysis of Digital Markeiting Adoption Beihavior in MSMEIs Using thei UTAUT3 Modeil. J Comput Sci Inf Teichnol ( CoSciTeich ). 2022;3(2):226–33. https://doi.org/10.37859/cosciteich.v3i2.3955
Sheitu SN. Islam MM. Promi SI. An EImpirical Inveistigation of thei Continueid Usagei Inteintion of Digital Walleits: Thei Modeirating Rolei of Peirceiiveid Teichnological Innovativeineiss. Futur Bus J. 2022;8(1). Availablei from: https://doi.org/10.1186/s43093-022-00158-0
Putra DR. Supeilti D. Yusuf A. Analisis Peineirapan Aplikasi OVO Meinggunakan Modeil UTAUT 3 Pada Peingguna. 2022;1(2):13–22. https://eijurnal.ikippgribojoneigoro.ac.id/indeix.php/JTHOMS