PENGARUH PERSEPSI MANFAAT, PERSEPSI KEMUDAHAN, KEAMANAN, TEKNOLOGI, DAN KETERSEDIAAN FITUR TERHADAP MINAT NASABAH MENGGUNAKAN LAYANAN MOBILE BANKING ( Studi Kasus Pada PT Bank Central Asia Kota Tenggarong)

Abstract

This study aims to determine the effect of perceived benefits, perceived ease of use, security, technology, and availability of features on customer interest in using mobile banking PT. Bank Central Asia in tenggarong both partially and simultaneously. The respondents in this research were BCA mobile banking service costumer in Tenggarong city. The sampling method used is Non Probability Sampling with convinace sampling method. The sample used in this study was 130 respondents. The data analysis techniques used in this study are validity test, reliability test, multiple linear regression analysis, normality test, multicolonierity test, heteroscedasticity test, t test, f test, and coefficient of determination test and using SPPS software version 25. The results showed that perceived benefits, technology, and availability of features positively and significantly influenced customer interest in using mobile banking and perceived convenience and security had an insignificant effect on customer interest in using mobile banking. As for the simultaneous test, perceived benefits, perceived convenience, security, technology, and availability of features together have a positive and significant effect on customer interest in using mobile banking at PT Bank Central Asia in tenggarong. Overall, these factors jointly increase interest in using BCA Bank Mobile Banking in Tenggarong.