Pengaruh Keamanan, Kepercayaan, dan Kemudahan Terhadap Keputusan Menggunakan BYOND By BSI (Studi Pada BSI KCP Situbondo)

Ahmat Fausi, Abdullah Syakur Novianto, Umi Nandiroh

Abstract


This study aims to analyze the effect of security, trust, and ease of use on the decision to use the BYOND by BSI application among customers of Bank Syariah Indonesia (BSI) KCP Situbondo. This study employed a quantitative approach with an associative method. A total of 85 respondents were selected using purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS. The results show that security, trust, and ease of use simultaneously have a significant effect on the decision to use BYOND by BSI. Partially, all three variables have a positive and significant effect, with trust being the most dominant factor. The coefficient of determination (R²) of 0.747 indicates that security, trust, and ease of use explain 74.7% of the variance in the decision to use BYOND by BSI. These findings imply that improving security, trust, and ease of use can encourage customers to use the BYOND by BSI application.

Keywords: BYOND by BSI, decision to use, ease of use, security, trust


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References


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