Pengaruh Perceived Usefulness Dan Perceived Ease Of Use Terhadap Minat Penggunaan Mobile Banking Bri Di Indonesia (studi Kasus: Generasi Y Dan Generasi Z)

Ketut Rika Diah Pithaloka, Arlin Ferlina Mochamad Trenggana

Abstract

Abstrak Kemajuan perkembangan teknologi dan informasi mengakibatkan perubahan gaya hidup. Salah satu nya adalah penggunaan internetdengan bantuan perangkat mobile. Salah satu industri yang merespon perkembangan teknologi informasi dan penggunaan internet adalah bidang perbankan. Mobile banking merupakan sebuah sistem yang dibuat oleh pihak perbankan untuk nasabah supaya bisamenjalankanberbagaikegiatan perbankan lewat ponsel/Smartphone. Di Indonesia pemakaianmobile banking terus meningkat setiap tahun. Rata-rata pengguna mobile banking adalah generasi Y dan generasi Z. PT Bank Rakyat Indonesia (Persero) Tbk adalah suatu bank paling besar di Indonesia. Bank bri juga menyediakan layanan mobile banking namun minat penggunaan mobile banking bri masih rendah.Minat dalam penggunaan dipengaruhi dariperceived usefulness sertaperceived ease of use. Dengan demikian penelitian ini dijalankan dengan maksud guna mengetahui hasil dari pengaruh perceived usefulness dan perceived ease of use terhadap minat penggunaan mobile banking bri di Indonesia (studi kasus pada generasi Y dan generasi Z) Penelitian ini memakai metode kuantitatif dengan tujuan penelitian deskriptif/kausal. Teknik pengambilan sampel yang dipakai dalam penelitian ini memakai teknik non probability sampling yaknipurposive sampling dan memperoleh hasil sampel yang dipakai sejumlah 100 responden. Dengan kriteria responden merupakan nasabah bank bri yang tidak menggunakakan aplikasi mobile banking bri. teknik analisis data yang diterapkan yaitu teknik analisis deskriptif serta uji hipotesis memakai Uji T serta uji F. Berlandaskan hasil penelitian tentang “Pengaruh Perceived Usefulness dan Perceived Ease of Use Terhadap Minat Penggunaan Mobile Banking BRI di Indonesia ( Studi Kasus Pada Generasi Y serta Generasi Z )” diperoleh kesimpulan bahwa perceived usefulness pada aplikasi mobile banking bri termasuk kedalam kategori sangat baik, perceived ease of use pada aplikasi mobile banking bri termasuk kedalam kategori baik, minat penggunaan pada aplikasi mobile banking bri termasuk kedalam kategori sangat baik, perceived usefulness sertaperceived ease of use berpengaruh signifikan baik secara parsial maupun simultan terhadap minat penggunaan aplikasi mobile banking bri. Kata kunci : perceived usefulness, perceived ease of use, minat penggunaan Abstract Advances in technology and information developments lead to changes in lifestyle. One of them is the use of the internet with the help of mobile devices. One of the industries that responds to developments in information technology and the use of the internet is banking sector. Mobile banking is a system created by banks for customers to carry out a number of banking activities via cellphones / smartphones. In Indonesia, the use of mobile banking continues to increase every year. The average mobile banking user is generation Y and generation Z. PT Bank Rakyat Indonesia (Persero) Tbk is one of the largest banks in Indonesia. Bank BRI also provides mobile banking services but interest in using BRI mobile banking is still low. Interest in use is influenced by perceived usefulness and perceived ease of use. this research was conducted with the aim of knowing the results of the effect of perceived usefulness and perceived ease of use on the interest in using BRI mobile banking in Indonesia (case of generation Y and generation Z).This research uses quantitative methods with the aim of descriptive / causal research. The sampling technique used in this study used non-probability sampling techniques, namely purposive sampling and obtained the results of the sample used as many as 100 respondents. With the criteria of respondents being Bank BRI customers who do not use the BRI Mobile Banking application. The data analysis technique used is descriptive analysis techniques and hypothesis testing with the T test and F test. Based on the results of research on "The Effect of Perceptions of Usability and Perceptions of Ease of Use on Interest in Using BRI Mobile Banking in Indonesia (Case Studies on Generation Y and Generation Z)" It was found that the perceived usefulness of the BRI mobile banking application was included in the very good category, the perceived ease of use of the BRI mobile banking application was in the good category, the use interest in the BRI mobile banking application was in the very good category, the perceived usefulness and perceived ease of use had a significant effect on both partially or simultaneously on the interest in using the BRI mobile banking application. keywords : perceived usefulness, perceived ease of use, intention to use 

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