Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Kepercayaan terhadap Minat Penggunaan SeaBank (Studi Kasus pada Generasi Z di Kota Bekasi)

Putri, Salsabila (2026) Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Kepercayaan terhadap Minat Penggunaan SeaBank (Studi Kasus pada Generasi Z di Kota Bekasi). Sarjana (S1) thesis, STIE Tri Bhakti.

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Abstract

This study aims to analyze the influence of perceived benefits, perceived ease of use, and trust on usage interest among Generation Z in Bekasi City. This study employs a quantitative approach using purposive sampling by distributing questionnaires to 100 respondents who met the criteria: aged 17–29 years (Generation Z), having used SeaBank, and residing in Bekasi City. The data obtained were analyzed using validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, and the coefficient of determination (R²) test using SPSS version 27. The results of the t-test showed that only perceived benefits and perceived ease of use had a significant effect on interest in using SeaBank, while trust did not have a significant effect. The adjusted R-squared value of 0.669 indicates that the three independent variables could explain only 66.9% of the variation in interest in using SeaBank. The remaining 33.1% is explained by other factors outside the research model. These findings indicate that perceived benefits and perceived ease of use play a more significant role in increasing Generation Z’s interest in using SeaBank in Bekasi City compared to trust. The results of this study are expected to provide insights for SeaBank in enhancing the benefits and ease of use of its services to encourage greater public interest in using SeaBank as a digital banking service.

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