MODEL KAUSALITAS INTENTION TO USE BLU BY BCA: PERCEIVED RISK, DIGITAL FINANCIAL LITERACY, DAN ATTITUDE TOWARD USING

RIZKY BAGUS ZULMI, . (2025) MODEL KAUSALITAS INTENTION TO USE BLU BY BCA: PERCEIVED RISK, DIGITAL FINANCIAL LITERACY, DAN ATTITUDE TOWARD USING. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Perceived Risk, Digital Financial Literacy, dan Attitude Toward Using terhadap Intention to Use Blu by BCA pada generasi milenial dan Gen Z di Jakarta. Metode yang digunakan adalah kuantitatif dengan teknik survei melalui kuesioner daring. Penelitian ini melibatkan 245 responden berusia 17–42 tahun yang berdomisili di DKI Jakarta dan belum menjadi pengguna aktif Blu by BCA. Analisis data dilakukan menggunakan teknik Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui software SmartPLS 4. Hasil penelitian menunjukkan bahwa Perceived Risk berpengaruh negatif signifikan terhadap Attitude Toward Using, sedangkan Digital Financial Literacy memiliki pengaruh positif signifikan terhadap Attitude Toward Using. Selanjutnya, Attitude Toward Using berpengaruh positif terhadap Intention to Use. Selain itu, Perceived Risk memiliki pengaruh negatif terhadap Intention to Use, dan Digital Financial Literacy berpengaruh positif terhadap Intention to Use Blu by BCA. Implikasi dari hasil penelitian ini menekankan pentingnya peningkatan Digital Financial Literacy dan pengurangan Perceived Risk untuk mendorong Attitude Toward Using positif dan Intention to Use aplikasi bank digital di kalangan anak muda. Temuan ini dapat dijadikan acuan strategis dalam mengembangkan pendekatan edukatif dan inovatif oleh Blu by BCA. ***** This study aims to analyze the influence of perceived risk, digital financial literacy, and attitude toward using on the intention to use Blu by BCA among Millennials and Gen Z in Jakarta. The research employed a quantitative approach with an online questionnaire as the data collection method. A total of 245 respondents aged 17–42 years residing in DKI Jakarta and not yet active users of Blu by BCA participated in this study. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the SmartPLS 4 software. The results indicate that perceived risk has a significant negative effect on attitude toward using, while digital financial literacy has a significant positive effect on attitude toward using. Furthermore, attitude toward using positively influences intention to use. Additionally, perceived risk negatively affects intention to use, whereas digital financial literacy has a positive influence on the intention to use Blu by BCA. These findings highlight the importance of improving digital financial literacy and reducing perceived risk to foster positive attitudes and usage intentions toward digital banking applications among younger generations. The implications of this research provide strategic insights for Blu by BCA in developing educational and innovative user engagement strategies.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Dr. Umi Widyastuti, SE., M.E. ; 2). Dr. Terrylina Arvinta Monoarfa, S.E., M.M.
Subjects:	Manajemen > Manajemen , Business
Divisions:	FE > S1 Bisnis Digital
Depositing User:	Rizky Bagus Zulmi .
Date Deposited:	07 Aug 2025 00:28
Last Modified:	07 Aug 2025 00:28
URI:	http://repository.unj.ac.id/id/eprint/58315

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