PENGARUH PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, DAN TRUST TERHADAP INTENTION TO USE DIGITAL BANKING WONDR BY BNI DI KOTA MALANG

Taufiq Indra, Fatchur Rochman

Sari


Penelitian ini bertujuan untuk menganalisis pengaruh Perceived Usefulness, Perceived Ease of Use, dan Trust terhadap niat pengguna dalam menggunakan aplikasi Digital banking Wondr by BNI di Kota Malang. Dengan berkembangnya digitalisasi perbankan, terutama dalam layanan Digital banking, Wondr by BNI hadir sebagai inovasi untuk memenuhi kebutuhan nasabah, terutama generasi milenial dan Gen-Z yang mendominasi pasar pengguna Digital banking. Penelitian ini menggunakan jenis penelitian eksplanatori dengan pendekatan kuantitatif serta menggunakan sifat penelitian replikasi dari penelitian terdahulu melalui kuisioner yang disebarkan secara online kepada 272 responden yang mengetahui aplikasi Wondr by BNI, menggunakan teknik sampling purposive sampling. Hasil penelitian menunjukkan bahwa Perceived Usefulness dan Perceived Ease of Use memiliki pengaruh positif signifikan terhadap niat menggunakan aplikasi Wondr by BNI, dimana pengguna merasa kemudahan dan manfaat aplikasi menjadi faktor pendorong utama dalam penggunaannya. Selain itu, variabel Trust juga terbukti memiliki pengaruh signifikan, menunjukkan bahwa kepercayaan terhadap keamanan dan reliabilitas aplikasi menjadi faktor krusial dalam adopsi teknologi perbankan digital. Temuan ini memberikan implikasi bagi pengembangan strategi perbankan digital di Indonesia, khususnya bagi BNI, dalam meningkatkan fitur keamanan dan kenyamanan penggunaan aplikasi. Dengan demikian, penelitian ini diharapkan dapat memberikan kontribusi dalam literatur adopsi teknologi serta rekomendasi strategis bagi industri perbankan digital.

Kata Kunci


Perceived Usefulness, Perceived Ease of Use, Trust, niat penggunaan, Digital banking, Wondr by BNI

Teks Lengkap:

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Referensi


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