PENGARUH PERSEPSI KEMUDAHAN, PERSEPSI MANFAAT, DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN BANK DIGITAL SEABANK PADA GENERASI Z DAN MILENIAL
DOI:
https://doi.org/10.61412/jnsi.v5i2.415Abstract
This study aims to examine the effect of perceived ease of use, perceived usefulness, and trust on the intention to use SeaBank digital banking among Generation Z and Millennials in Ciledug, Tangerang. Data were collected through the distribution of questionnaires to 398 respondents; however, only 338 respondents met the criteria as active SeaBank users and were therefore included as the research sample. The data were analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS software version 4.1.1.6. The results indicate that perceived ease of use and perceived usefulness have a positive and significant effect on the intention to use SeaBank digital banking. In addition, perceived ease of use and perceived usefulness also have a positive and significant effect on trust. Furthermore, trust has a positive and significant effect on the intention to use. The results of the indirect effect analysis show that trust is able to mediate the relationship between perceived ease of use and perceived usefulness and the intention to use in a positive and significant manner. Overall, the findings confirm that ease of use, perceived benefits, and trust are important factors in shaping the intention of Generation Z and Millennials to use SeaBank digital banking services.
References
Aldrian, Widyastuti, U., & Monoarfa, T. A. (2025). Analisis Kausalitas Intention to Use Seabank: Perceived Usefulness, Perceived Risk, dan Trust. Jurnal Ekonomi Dan Manajemen, 3(1), 493–509.
Amelia, C., & Fitri, H. S. (2025). Pengaruh Persepsi Kemudahan, Persepsi Manfaat, dan Fitur pada Minat Menggunakan Bank Digital SeaBank. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(2), 6884–6891. https://doi.org/10.31004/riggs.v4i2.1775
Anita, S. Y., Burhanuddin, Litamahuputty, J. V., Sipakoly, S., & Nurchayati. (2024). Strategi Pengembangan Fintech Di Indonesia Dengan Pendekatan Business Model Canvas. Edunomika, 08(02), 1–11.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. Vol. 13, N(3), 319-340 (22 pages). https://doi.org/10.2307/249008
Gefen, Elena Karahanna &, & Detmar W. Straub. (2003). Trust and TAM in Online Shopping: An Integrated Model. https://doi.org/10.2307/30036519
Lestari, Sihabudin, & Robby Fauji. (2023). enggunakan Bank Digital (SeaBank) (Studi Pada Masyarakat Karawang Timur). Jurnal Manajemen Terapan Dan Keuangan (Mankeu, 12(04).
Meuthia, R. F. (2024). Analisis Faktor-Faktor Yang Memengaruhi Minat penggunaan Bank Digital Di Indonesia. Simposium Nasional Akuntansi Vokasi (SNAV) XII, 14–17.
PT Bank Seabank Indonesia. (2021). Informasi Perusahaan SeaBank Indonesia.
Triyasdi, E. H., Ardita, D. A., Cleri, D., & Chotidjah, E. (2024). Mengubah Tantangan Menjadi Peluang: Manajemen Keuangan Milenial dan Gen Z Di Era Digital. Seminar Nasional % Call For Paper, 1016–1022.
Venkatesh, V., & Davis, F. D. (2000). A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.11926
Veraniazzahra, N., & Listiawati, R. (2023). Pengaruh Perceived Usefulness, Perceived Credibility, dan Features Terhadap Minat Menggunakan Bank Digital SeaBank di Jabodetabek. PROSIDING SEMINAR NASIONAL AKUNTANSI DAN MANAJEMEN, 3.
Wulandari, A. N., & Febriatmoko, B. (2025). Pengaruh Perceived Usefulness dan Perceived Ease of Use terhadap Behavior Intention E-Wallet DANA di Kota Semarang melalui Trust sebagai Mediasi. Manajemen Pemasaran, 60–77.
