Padmarini, Sheila Istiningtyas and Moh. Athoillah, (2022) Analisis Faktor-Faktor Yang Mempengaruhi Penggunaan Bank Digital (Studi Pada Gen Z Dan Milenial Di Masa Pandemi Covid-19. Sarjana thesis, Universitas Brawijaya.
Abstract
Pertumbuhan industri perbankan dan teknologi di Indonesia berkembang pesat dalam beberapa tahun terakhir berkembang sangat pesat. Perkembangan teknologi informasi disertai dengan perubahan perilaku konsumen memaksa Bank untuk segera melakukan transformasi digital. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang penggunaan dari bank digital. Penelitian ini menggunakan variabel persepsi manfaat, persepsi kemudahan, persepsi risiko, biaya finansial, kepercayaan, kompatibilitas, sikap terhadap penggunaan, intensi dalam penggunaan dan keputusan dalam penggunaan. Metode penelitian yang digunakan yaitu PLS-SEM, melalui pendekatan kuantitatif. Sumber data didapatkan dari kuesioner yang disebarkan oleh peneliti. Hasil penelitian menunjukkan variabel seperti persepsi kemudahan, manfaat dan kepercayaan mempunyai efek yang signifikan dalam keputusan penggunaan bank digital. Persepsi kemudahan mempunyai efek yang positif terhadap persepsi manfaat, kepercayaan serta sikap dalam menggunakan bank digital.
English Abstract
Indonesian banking and technology industries have grown rapidly during the las few years. The development in information technology followed by changes in consumer behavior has urged banks to conduct digital transformations. The objective of this qualitative research is to identify factors that influence the utilization of digital banks. The variables are perceived usefulness, perceived ease of use, perceived risk, financial cost, trust, compatibility, attitude toward usage, intention to use, and usage decision while the data was harvested through questionnaires distributed in 2022. The results of the PLS- SEM analysis have led to findings that perceived ease of use, perceived usefulness, and trust significantly influence consumer’s decision to use digital banks. Furthermore, twelve from thirteen proposed hypotheses were accepted. Then, perceived ease of use has positive effects on perceived usefulness, trust, and attitude to use digital banks
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0522020507 |
| Uncontrolled Keywords: | Bank Digital, Technology Acceptance Model (TAM), Perceived Usefulness, Digital Bank, Technology Acceptance Model (TAM), Perceived Usefulness, Gen Z and Millennials, PLS-SEM |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Nur Cholis |
| Date Deposited: | 25 Jul 2023 03:33 |
| Last Modified: | 25 Jul 2023 03:33 |
| URI: | http://repository.ub.ac.id/id/eprint/202103 |
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Text (DALAM MASA EMBARGO)
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