PENGARUH PERCEIVED USEFULNES, PERCEIVED EASE OF USE, DAN PERCEIVED SECURITY TERHADAP INTENTION TO CONTINUE USING BANK DIGITAL MELALUI TRUST

FEBRIANUS DAVID DAGANG KERANS, . (2025) PENGARUH PERCEIVED USEFULNES, PERCEIVED EASE OF USE, DAN PERCEIVED SECURITY TERHADAP INTENTION TO CONTINUE USING BANK DIGITAL MELALUI TRUST. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Pertumbuhan layanan bank digital di Indonesia mendorong perlunya pemahaman terhadap faktor-faktor yang memengaruhi keberlanjutan penggunaannya. Penelitian ini bertujuan untuk menganalisis pengaruh Perceived Usefulness, Perceived Ease of Use, dan Perceived Security terhadap Continuance Intention pengguna SeaBank, dengan Trust sebagai variabel mediasi. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan penyebaran kuesioner kepada 270 responden, kemudian dianalisis menggunakan teknik Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan bantuan SmartPLS 4.0. Hasil penelitian menunjukkan bahwa ketiga variabel persepsi memiliki pengaruh positif dan signifikan terhadap Trust, serta Trust secara signifikan memengaruhi Continuance Intention. Temuan ini menggarisbawahi pentingnya membangun kepercayaan dalam mempertahankan loyalitas pengguna terhadap layanan bank digital. Penelitian ini memberikan kontribusi teoritis dalam pengembangan model TAM yang diperluas, serta kontribusi praktis bagi penyedia layanan digital untuk meningkatkan pengalaman pengguna. Kata Kunci: Perceived Usefulness, Perceived Ease of Use, Perceived Security, Trust, Continuance Intention, SeaBank, Bank Digital*****The growth of digital banking services in Indonesia highlights the need to understand factors influencing continued usage. This study aims to examine the effect of Perceived Usefulness, Perceived Ease of Use, and Perceived Security on SeaBank users’ Continuance Intention, with Trust as a mediating variable. A quantitative approach was employed through a survey of 270 respondents, analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results show that the three perception variables significantly influence Trust, which in turn has a significant impact on Continuance Intention. These findings emphasize the importance of building trust to ensure user loyalty in digital banking services. The study contributes theoretically to the extended TAM framework and offers practical insights for improving user experience in digital financial services. Keywords: Perceived Usefulness, Perceived Ease of Use, Perceived Security, Trust, Continuance Intention, SeaBank, Digital Bank

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Dr. Umi Widyastuti, SE, M.E ; 2). Meta Bara Berutu, S.E., M.M
Subjects:	Manajemen > Manajemen Pemasaran Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Bisnis Digital
Depositing User:	Febrianus David Dagang Kerans .
Date Deposited:	08 Aug 2025 06:51
Last Modified:	08 Aug 2025 06:51
URI:	http://repository.unj.ac.id/id/eprint/58555

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