PENGARUH PERSEPSI MANFAAT, PERSEPSI KEMUDAHAN DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN UANGELEKTRONIK BRIZZI BRI
DOI:
https://doi.org/10.35968/jimspc.v14i1.1418Abstract
This study aims to examine and analyze the influence of perceived usefulness, perceivedease of use, and trust on the intention to use BRIZZI BRI electronic money. The researchemploys a quantitative method with purposive sampling, involving a total sample of 100respondents. Data analysis was conducted using multiple linear regression tests, t-tests,and determination coefficient tests, supported by IBM SPSS Statistics Version 25. Theindependent variables in this study are perceived usefulness, perceived ease of use, andtrust, while the dependent variable is the intention to use BRIZZI BRI electronic money.The findings indicate that perceived usefulness, perceived ease of use,and trustsignificantly shape user interest in using BRIZZI BRI. Specifically, perceived usefulnesshas a positive and significant influence on the intention to use BRIZZI BRI electronicmoney, indicating its substantial role in driving user interest. Conversely, perceived easeof use exhibits a negative influence, suggesting it does not affect the intention to use theproduct. Meanwhile, trust has a positive and significant impact, highlighting its critical rolein enhancing user interest in using BRIZZIBRI electronic money.References
Abid, M. M. F., & Purbawati, D. (2020). Pengaruh E-Security dan E-Service QualityTerhadap E-Repurchase Intention Dengan E-Satisfaction Sebagai VariabelIntervening Pada Konsumen E-Commerce Lazada di Fisip Undip.DiponegoroJournal of Social and Politic,9(1), 1–18.https://doi.org/10.14710/jiab.2020.26227
Peraturan Bank Indonesia No. 11/12/PBI/2009 tentang Uang
Elektronik (ElectronicMoney), (2009).
Cahaya, Y. F., Prasetyo, J. H., Winarti, C. E., Erasashanti, A. P., & Rachman, H.A. (2024). SMEs in Indonesia: How do market and entrepreneurialapproaches shape dynamic capabilities and performance?Edelweiss AppliedScience and Technology,8(3), 197–209.https://doi.org/10.55214/25768484.v8i3.923
Cahaya, Y. F., Sungkono, S., Rukmana, O., Rajoana, J., Setyarachma, A.,Prasetyo, J. H., & Setyanto, E. (2024). Crypto apps : How user perceptionsshape continued usage ?Jurnal Manajemen Dan Pemasaran Jasa,17(2),223–240.
DeLone, W. H., & McLean, E. R. (2016). Information Systems SuccessMeasurement.Foundations and Trends in Information Systems,2(1), 1–116.https://doi.org/10.1561/2900000005
Dewi, N. M. A. P., & Warmika, I. G. K. (2016). Peran persepsi kemudahanpenggunan, persepsi manfaat dan perspsi resiko terhadap niat
Ferdinand, A. (2014).Metode Penelitian Manajemen. Universitas Diponegoro.
Karunia, R. L., Budiaji, R., Suzana, R., Dewi, K. S., & Prasetyo, J. H. (2023).Analysis of the Factors that Affect the Implementation of E-Government inIndonesia.International Journal of Membrane Science and Technology,10(3), 46–54. https://doi.org/10.15379/ijmst.v10i3.1216
Kotler, P., & Keller, K. L. (2016).Marketing Management(15th ed.). PersonEducation, Inc.
Laksamana, P., Suharyanto, S., & Cahaya, Y. F. (2022). Determining factors ofcontinuance intention in mobile payment: fintech industry perspective.AsiaPacific Journal of Marketing and Logistics. https://doi.org/10.1108/APJML-11-2021-0851/FULL/XML
Novita, N. N. S. L., & Giantari, I. G. A. K. (2016).PERAN SIKAP DALAMMEMEDIASI PENGARUH PERCEIVED USEFULNESS TERHADAP NIATMENGGUNAKAN INTERNET BANKING DI KOTA DENPASAR.5(3), 1513–1541.
Nugroho, B. S. (2018). Pengaruh Persepsi Kepercayaan, Kemudahan,Keamanan,dan Pelayanan Terhadap Keputusan Transaksi Menggunakan Sistem E-Commerce (Studi Empiris Pada Mahasiswa Akuntansi Fakultas Ekonomi danBisnis Universitas Muhammadiyah Surakarta).Skripsi, 1–32.
Pradana, A., Susilo, H., & Riyadi, R. (2016). PENGARUH PERSEPSIKEMUDAHAN, KEMANFAATAN, DAN SIKAP PENGGUNAAN TERHADAPMINAT MENGGUNAKAN IFS SOFTWARE (Studi Pada DepartemenPengadaan Barang dan Jasa PT. Petrokimia Gresik).Jurnal AdministrasiBisnis S1 Universitas Brawijaya,30(1), 152–160.
Prasetyo, J. H., Prakoso, B. S., Wiharso, G., & Fabrianto, L. (2021). E-commerce:The importance role of customer perceived value in increasing onlinerepurchase intention.Dinasti International Journal of Digital BusinessManagement,2(6), 955–962.
https://doi.org/10.31933/DIJDBM.V2I6.954
Prasetyo, J. H., & Riyanto, S. (2019). The Effect of Emotional Intelligence, LearningInterest, and Discipline on Students’ Learning Outcomes in SMP Negeri 141Jakarta.International Journal of Innovative Science and ResearchTechnology,4(5), 973–980. www.ijisrt.com973
Qosam, M. I. AL. (2020). PENGARUH PERSEPSI MANFAAT, PERSEPSIKEPERCAYAAN, DAN PERSEPSI RESIKO TERHADAP MINATMENGGUNAKAN INTERNET BANKING BANK SYARIAH (STUDI PADAMAHASISWA JURUSAN PERBANKAN SYARIAH FAKULTAS EKONOMIDAN BISNIS ISLAM IAIN SURAKARTA).Orphanet Journal of Rare Diseases,1, 1–101.
Romadloniyah, A. L., & Prayitno, D. H. (2018). Pengaruh Persepsi KemudahanPenggunaan, Persepsi Daya Guna, Persepsi Kepercayaan, Dan PersepsiManfaat Terhadap Minat Nasabah Dalam Menggunaan E-Money Pada BankBri Lamongan.Jurnal Akuntansi,3(3), 699.https://doi.org/10.30736/jpensi.v3i3.163
Sati, R. A. S., & Ramaditya, M. (2019). Pengaruh Persepsi Manfaat, PersepsiKemudahan Penggunaan, Kepercayaan Dan Persepsi Risiko Terhadap MinatMenggunakan E-Money (Studi Kasus Pada Konsumen Yang MenggunakanMetland Card). InManagement.
Sembiring, M. W. (2020).Pengaruh Kepercayaan, Persepsi Manfaat, DanPersepsi Kemudahan Penggunaan Terhadap MinatKonsumenMenggunakan Kembali Aplikasi Ovo Di Fakultas Ekonomi Dan BisnisUniversitas Sumatera Utara. 7–37.
Yogananda, A. S., & Dirgantara, I. M. B. (2017). Pengaruh Persepsi Manfaat,Persepsi Kemudahan Penggunaan, Kepercayaan dan Persepsi RisikoTerhadap Minat Untuk Menggunakan Instrumen Uang Elektronik.DiponegoroJournal of Management,6(4), 1–7.
