Pengaruh Perceived Usefulness, Perceived Ease Of Use, dan Perceived Security Terhadap Intention Use Aplikasi BYOND

Tanti - Fitriani, Indah Dewi Maharany

Abstract


Abstract

This study aims to analyze the influence of Perceived Usefulness, Perceived Ease of Use, and Perceived Security on the Intention to Use the BYOND application by Bank Syariah Indonesia, as well as to examine the mediating role of Trust among Generation Z in Jepara Regency. This study employed a quantitative approach using primary data collected through questionnaires distributed to 100 respondents selected through purposive sampling. Data were analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with SmartPLS version 3.2.9. The results indicate that Perceived Usefulness, Perceived Ease of Use, and Perceived Security have no effect on Intention to Use. Trust has a positive effect on Intention to Use. Perceived Usefulness and Perceived Ease of Use have positive effects on Trust, whereas Perceived Security has a negative effect on Trust. Furthermore, Trust mediates the effects of Perceived Usefulness, Perceived Ease of Use, and Perceived Security on Intention to Use. Therefore, Bank Syariah Indonesia should prioritize strategies aimed at building and maintaining user trust, as Trust has been shown to directly influence Intention to Use while also mediating the effects of Perceived Usefulness, Perceived Ease of Use, and Perceived Security on Intention to Use.

Keywords: Perceived Usefulness; Perceived Ease of Use; Perceived Security; Trust; Intention to Use.

Abstrak

Penelitian ini bertujuan untuk menganalisis pengaruh Persepsi Kegunaan, Persepsi Kemudahan Penggunaan, dan Persepsi Keamanan terhadap Niat Menggunakan aplikasi BYOND dari Bank Syariah Indonesia, serta untuk menguji peran Kepercayaan sebagai variabel mediasi di kalangan Generasi Z di Kabupaten Jepara. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui penyebaran kuesioner kepada 100 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan metode Partial Least Squares-Structural Equation Modeling (PLS-SEM) dengan bantuan perangkat lunak SmartPLS 3.2.9. Hasil penelitian menunjukkan bahwa Persepsi Kegunaan, Persepsi Kemudahan Penggunaan, dan Persepsi Keamanan tidak berpengaruh terhadap Niat Penggunaan. Kepercayaan memiliki pengaruh positif terhadap Niat Penggunaan. Kegunaan yang Dirasakan dan Kemudahan Penggunaan yang Dirasakan memiliki efek positif terhadap Kepercayaan, sedangkan Keamanan yang Dirasakan memiliki efek negatif terhadap Kepercayaan. Selain itu, Kepercayaan berperan sebagai mediator terhadap efek Kegunaan yang Dirasakan, Kemudahan Penggunaan yang Dirasakan, dan Keamanan yang Dirasakan terhadap Niat Penggunaan. Oleh karena itu, Bank Syariah Indonesia perlu memfokuskan pengembangan layanan pada upaya membangun dan mempertahankan kepercayaan pengguna, karena kepercayaan terbukti menjadi faktor yang secara langsung mendorong niat penggunaan sekaligus memediasi pengaruh persepsi kegunaan, kemudahan penggunaan, dan keamanan terhadap Intention to Use.

Kata Kunci: Persepsi Kemanfaatan; Persepsi kemudahan; Persepsi Keamanan; Kepercayaan; Niat Penggunaan.


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DOI: http://dx.doi.org/10.21043/jebisku.v4i3.6419

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Jurnal Ekonomi dan Bisnis Islam

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