ANALISIS KAUSALITAS INTENTION TO USE SEABANK: PERCEIVED USEFULNESS, PERCEIVED RISK, DAN TRUST

ALDRIAN, . (2025) ANALISIS KAUSALITAS INTENTION TO USE SEABANK: PERCEIVED USEFULNESS, PERCEIVED RISK, DAN TRUST. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk memberikan penjelasan mengenai pengaruh perceived usefulness, perceived risk, dan trust terhadap intention to use aplikasi digital banking Seabank, dengan trust sebagai variabel mediasi. Penelitian ini menggunakan metode asosiatif dengan pendekatan kuantitatif. Data dikumpulkan melalui penyebaran kuesioner kepada individu yang berdomisili di wilayah Jabodetabek, berusia minimal 17 tahun, dan memiliki ketertarikan untuk menggunakan aplikasi Seabank. Teknik pengambilan sampel yang digunakan adalah Non-Probability Sampling dengan pendekatan Purposive Sampling. Jumlah responden yang dianalisis sebanyak 110 orang. Pengolahan data dilakukan menggunakan software SmartPLS versi 4.1.0.9. Teknik analisis yang digunakan meliputi pengujian outer model, inner model, analisis jalur (path analysis), uji t, serta analisis mediasi dengan metode bootstrapping. Hasil penelitian menunjukkan bahwa: (1) Perceived Usefulness berpengaruh langsung secara positif dan signifikan terhadap Intention to Use; (2) Perceived Risk berpengaruh langsung secara negatif dan signifikan terhadap Intention to Use; (3) Trust berpengaruh langsung secara positif dan signifikan terhadap Intention to Use; (4) Perceived Usefulness berpengaruh langsung secara positif terhadap Trust; (5) Perceived Risk berpengaruh langsung secara negatif terhadap Trust; (6) Terdapat pengaruh tidak langsung Perceived Usefulness terhadap Intention to Use melalui Trust; dan (7) Terdapat pengaruh tidak langsung Perceived Risk terhadap Intention to Use melalui Trust dengan arah negatif Kata Kunci: Perceived Risk, Digital Financial Literacy, Attitude Toward Using, Intention to Use, Blu by BCA ***** This study aims to provide an explanation of the influence of perceived usefulness, perceived risk, and trust on intention to use the Seabank digital banking application, with trust serving as a mediating variable. The research adopts an associative method with a quantitative approach. Data were collected through the distribution of questionnaires to individuals residing in the Greater Jakarta area (Jabodetabek), aged 17 and above, who are interested in using the Seabank application. The sampling technique used is Non-Probability Sampling with a Purposive Sampling approach. A total of 110 respondents were analyzed. Data processing was conducted using SmartPLS version 4.1.0.9. The analytical techniques employed include outer model testing, inner model testing, path analysis, t-tests, and mediation analysis using the bootstrapping method. The results of the study indicate that: (1) Perceived Usefulness has a significant positive direct effect on Intention to Use; (2) Perceived Risk has a significant negative direct effect on Intention to Use; (3) Trust has a significant positive direct effect on Intention to Use; (4) Perceived Usefulness has a significant positive direct effect on Trust; (5) Perceived Risk has a significant negative direct effect on Trust; (6) There is a significant indirect positive effect of Perceived Usefulness on Intention to Use through Trust; and (7) There is a significant indirect negative effect of Perceived Risk on Intention to Use through Trust. Keywords: Perceived Risk, Digital Financial Literacy, Attitude Toward Using, Intention to Use, Blu by BCA

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Dr. Umi Widyastuti, SE, M.E ; 2). Dr. Terrylina Arvinta Monoarfa, SE., MM
Subjects:	Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Bisnis Digital
Depositing User:	Aldrian .
Date Deposited:	13 Aug 2025 04:18
Last Modified:	13 Aug 2025 04:18
URI:	http://repository.unj.ac.id/id/eprint/60353

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