PENGARUH PERCEIVED SECURITY, PERCEIVED EASE OF USE, DAN PERCEIVED USEFULNESS TERHADAP CONSUMER TRUST DAN ADOPSI TEKNOLOGI PADA LAYANAN MOBILE BANKING BERBASIS AI

NASYWA FATIHAH ADAM HARAHAP, . (2025) PENGARUH PERCEIVED SECURITY, PERCEIVED EASE OF USE, DAN PERCEIVED USEFULNESS TERHADAP CONSUMER TRUST DAN ADOPSI TEKNOLOGI PADA LAYANAN MOBILE BANKING BERBASIS AI. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

	Text Cover_Nasywa Fatihah Adam Harahap.pdf Download (1MB)
	Text Naskah Skripsi BAB 1_Nasywa Fatihah Adam Harahap_1710621058_compressed_compressed-compressed-1-16.pdf Download (353kB)
	Text Naskah Skripsi BAB 2_Nasywa Fatihah Adam Harahap_1710621058_compressed_compressed-compressed-17-54.pdf Restricted to Registered users only Download (398kB) | Request a copy
	Text Naskah Skripsi BAB 3_Nasywa Fatihah Adam Harahap_1710621058_compressed_compressed-compressed-55-69.pdf Restricted to Registered users only Download (304kB) | Request a copy
	Text Naskah Skripsi BAB 4_Nasywa Fatihah Adam Harahap_1710621058_compressed_compressed-compressed-70-107.pdf Restricted to Registered users only Download (428kB) | Request a copy
	Text Naskah Skripsi BAB 5_Nasywa Fatihah Adam Harahap_1710621058_compressed_compressed-compressed-108-112.pdf Restricted to Registered users only Download (239kB) | Request a copy
	Text Daftar Pustaka_Nasywa Fatihah Adam Harahap_1710621058_compressed.pdf Download (237kB)
	Text Lampiran_Nasywa Fatihah Adam Harahap.pdf Restricted to Registered users only Download (901kB) | Request a copy
	Text Riwayat Hidup_Nasywa Fatihah Adam Harahap.pdf Restricted to Registered users only Download (313kB) | Request a copy

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh perceived security, perceived ease of use, dan perceived usefulness terhadap consumer trust dan adopsi teknologi pada layanan mobile banking berbasis kecerdasan buatan (AI). Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Responden yang dilibatkan merupakan pengguna aktif mobile banking berbasis AI di wilayah Jabodetabek yang berusia antara 25 hingga 44 tahun. Jumlah sampel yang dianalisis sebanyak 210 responden, ditentukan menggunakan teknik purposive sampling. Pengujian data dilakukan dengan menggunakan Partial Least Square - Structural Equation Modeling (PLS-SEM) melalui software SmartPLS 4. Hasil penelitian menunjukkan bahwa perceived security, perceived ease of use, dan perceived usefulness berpengaruh positif terhadap consumer trust dan adopsi teknologi. Selain itu, consumer trust terbukti memediasi hubungan antara ketiga variabel independen tersebut terhadap adopsi teknologi AI. Temuan ini diharapkan dapat menjadi referensi bagi pengembang layanan mobile banking dalam meningkatkan kepercayaan dan adopsi pengguna terhadap teknologi AI yang digunakan. Kata Kunci: perceived security, perceived ease of use, perceived usefulness, consumer trust, adopsi teknologi, mobile banking. ***** This study aims to analyze the influence of perceived security, perceived ease of use, and perceived usefulness on consumer trust and AI adoption in mobile banking services powered by artificial intelligence (AI). A quantitative approach was employed using a survey method. The respondents were active users of AI-based mobile banking services in the Greater Jakarta area (Jabodetabek), aged between 25 and 44 years. A total of 210 respondents were selected through purposive sampling. Data analysis was conducted using Partial Least Squares - Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software. The results show that perceived security, perceived ease of use, and perceived usefulness have a positive effect on both consumer trust and AI adoption. Furthermore, consumer trust significantly mediates the relationship between the three independent variables and AI adoption. These findings are expected to serve as a reference for mobile banking service providers in enhancing user trust and adoption of AI-driven technologies.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Dr. Umi Widyastuti, S.E, M.E. ; 2). Meta Bara Berutu, S.E., M.M.
Subjects:	Manajemen > Pendidikan, Riset Penelitian Bisnis
Divisions:	FE > S1 Bisnis Digital
Depositing User:	Users 30795 not found.
Date Deposited:	13 Aug 2025 19:37
Last Modified:	13 Aug 2025 19:37
URI:	http://repository.unj.ac.id/id/eprint/60242

Actions (login required)

View Item