Computation of nominal scale based on Amin's (2008) method was used for the demographic analysis. This nominal scale was used to obtain a range of values for the age of the respondents and many more. The choice of answers was based on a five-point Likert scale adapted from Bhatti and Qureshi (2007) ranking as 1 (strongly disagree), 2 (disagree), 3 (neutral), 4 (agree) and 5 (strongly agree). With the Likert scale, the respondents selected a choice of responses reflecting their position towards the statement. We used five Likert scales for survey question measurement and some of the questions are borrowed from Venkatesh et al. (2003) and Venkatesh et al. (2012). The items such as PEX, effort expectancy, social influence, facilitating conditions and the behavioural intention were suggested by Venkatesh et al. (2003) in the validation of the original UTAUT framework. To make it consistent with UTAUT2, this study is also used the same items in addition to the above such as hedonic motivation, price value and habit, which was also suggested by Venkatesh et al. (2012). Furthermore, several studies have used UTAUT2 to examine the customer use or adoption of internet banking (Liao et al., 1999; Martins et al., 2014). We borrow some questions from this literature as well. QUESTION d. Jelaskan validity dan reliability penelitian iniv