PENGARUH PERSEPSI KEMUDAHAN, MANFAAT, KEAMANAN DAN SOCIAL INFLUENCE TERHADAP MINAT MENGGUNAKAN M-BANKING BSI (BYOND) PADA NASABAH GENERASI Z DI KOTA SAMARINDA

Abstract

Technological developments have pushed banking into the digital era, enabling financial institutions to provide more effective and quality services to customers. This study aims to analyze the influence of perceived ease of use, benefits, security, and social influence on the interest in using BSI m-banking. This study uses primary data from 110 BSI customer respondents in Samarinda measured using a liket scale. The type of research used is a quantitative research model. The data analysis method uses a multiple linear regression analysis model. The results show that benefits have a significant influence on the interest in using BSI m-banking, with a calculated t value (2.621) greater than the t table (1.982) and a significance value of 0.10 < 0.05. Conversely, perceived ease of use, security, and social influence do not have a significant influence. This is evident from the calculated t value of each variable which is smaller than the t table (1.982) and a significance value greater than 0.05. Simultaneously, the F-test results show that the four variables, namely perceived ease, benefits, security, and social influence, together have a significant influence on the interest in using BSI m-banking. The calculated F-value (16.913) is much greater than the F-table (2.46). Based on the R2 test, the contribution of these four variables to the interest in using BSI m-banking (BYOND) among Generation Z customers in Samarinda City is 39.2%. The remaining 60.8% is explained by other variables outside the research model.