DETERMINASI NIAT MENGGUNAKAN MOBILE INVESTMENT PADA GENERASI Z DI JABODETABEK

DIAH AYU RAGASIWI, . (2025) DETERMINASI NIAT MENGGUNAKAN MOBILE INVESTMENT PADA GENERASI Z DI JABODETABEK. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Perkembangan teknologi digital telah mendorong lahirnya berbagai platform mobile investment, salah satunya Bibit, yang menawarkan kemudahan dan efisiensi bagi generasi muda. Namun, meskipun aksesnya semakin mudah, adopsi pengguna terhadap aplikasi investasi masih menjadi tantangan. Penelitian ini bertujuan untuk menganalisis pengaruh Perceived Usefulness, Perceived Ease of Use, Perceived Risk, dan Perceived Trust terhadap Intention to Use aplikasi Bibit, dengan Perceived Trust sebagai variabel mediasi dan Digital Financial Literacy sebagai variabel moderasi. Penelitian ini menggunakan pendekatan kuantitatif dan teknik cluster sampling terhadap 321 responden Generasi Z di wilayah Jabodetabek yang merupakan pengguna aktif atau pernah menggunakan aplikasi Bibit. Pengolahan data dilakukan menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan bantuan software SmartPLS 4.0. Hasil penelitian menunjukkan bahwa Perceived Usefulness, Perceived Ease of Use, dan Perceived Trust berpengaruh positif signifikan terhadap Intention to Use, sementara Perceived Risk berpengaruh negatif signifikan. Perceived Trust memediasi hubungan antara ketiga variabel tersebut dengan Intention to Use, dan Digital Financial Literacy terbukti memoderasi pengaruh Perceived Risk terhadap niat penggunaan. Temuan ini memberikan kontribusi praktis bagi pengembang aplikasi investasi dalam meningkatkan kualitas layanan berbasis persepsi kegunaan dan literasi keuangan digital. ***** The advancement of digital technology has led to the emergence of various mobile investment platforms, including Bibit, which offers convenience and efficiency, particularly for younger users. However, despite improved accessibility, user adoption of investment applications remains a challenge. This study aims to analyze the influence of Perceived Usefulness, Perceived Ease of Use, Perceived Risk, and Perceived Trust on Intention to Use the Bibit application, with Perceived Trust as a mediating variable and Digital Financial Literacy as a moderating variable. This research employed a quantitative approach using cluster sampling on 321 Generation Z respondents residing in the Greater Jakarta (Jabodetabek) area who are active users or have previously used the Bibit app. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4.0 software. The results indicate that Perceived Usefulness, Perceived Ease of Use, and Perceived Trust significantly and positively influence Intention to Use, while Perceived Risk shows a significant negative effect. Furthermore, Perceived Trust mediates the effect of the three variables on Intention to Use, and Digital Financial Literacy significantly moderates the effect of Perceived Risk on usage intention. These findings offer practical implications for mobile investment service providers to enhance platform quality based on user-perceived utility and financial literacy.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Andi Muhammad Sadat, S.E., M.Si., Ph.D. ; 2). Dr. Terrylina Arvinta Monoarfa, S.E., M.M.
Subjects:	Manajemen > Manajemen , Business
Divisions:	FE > S1 Bisnis Digital
Depositing User:	Diah Ayu Ragasiwi .
Date Deposited:	06 Aug 2025 03:11
Last Modified:	06 Aug 2025 03:11
URI:	http://repository.unj.ac.id/id/eprint/58123

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