Muhammad Ihsan Jindy, . (2025) PENGARUH PERSEPSI KEMUDAHAN, KEPERCAYAAN, DAN FITUR TERHADAP MINAT PENGGUNAAN BANK DIGITAL blu BY BCA. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
The increasing internet penetration in Indonesia has encouraged the growth of digital banking services as a more practical, faster, and more efficient solution for financial transactions. However, shifting user preferences and varying individual needs often influence the level of interest in adopting digital banking services, including blu by BCA, which shows fluctuating search trends. Ease of use, the level of trust in the security and integrity of the service, as well as the quality of the features offered, are important factors that can shape users’ intention to use digital banking. This study aims to identify, analyze, and examine the effects of perceived ease of use, trust, and features on the intention to use the blu by BCA digital bank. Using a quantitative method, the study involved 120 Generation Z respondents residing in DKI Jakarta who were aware of but had not yet used blu by BCA. The analysis was conducted using SEM-PLS. The results indicate that (1) perceived ease of use does not affect the intention to use digital banking, (2) trust affects the intention to use, and (3) features affect the intention to use. These findings emphasize that in the context of digital banking services, user intention is more strongly influenced by security assurance and the usefulness of features than by the operational simplicity of the application.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | [No.Panggil: 2210111009] [Pembimbing: Dienni Ruhjatini Sholihah] [Penguji 1: Pusporini] [Ketua: Miguna Astuti] |
| Uncontrolled Keywords: | Perceived Ease of Use, Trust, Features, Digital Banking. |
| Subjects: | H Social Sciences > HA Statistics H Social Sciences > HB Economic Theory H Social Sciences > HG Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Manajemen (S1) |
| Depositing User: | MUHAMMAD IHSAN JINDY |
| Date Deposited: | 27 Mar 2026 03:59 |
| Last Modified: | 27 Mar 2026 03:59 |
| URI: | http://repository.upnvj.ac.id/id/eprint/41285 |
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