Pengaruh Persepsi Kemanfaatan, Kemudahan, dan Keamanan terhadap Minat Bertransaksi Menggunakan BYOND by BSI
The Effect of Perceived Usefulness, Perceived Ease of Use, and Perceived Security on Students' Intention to Use BYOND by BSI for Financial Transactions
DOI:
https://doi.org/10.24260/jkubs.v5i1.6258Keywords:
Perceived Usefulness, Perceived Ease of Use, Perceived Security, Transaction InterestAbstract
Purpose: This study aims to determine whether perceived usefulness, perceived ease of use, and perceived security influence the transaction interest in using the BYOND by BSI application among students receiving the KIP Kuliah Scholarship at class of 2022.
Design/methodology/approach: This study used a quantitative approach with an associative research type. The population consisted of 149 students receiving the KIP Kuliah Scholarship class of 2022, while the sample involved 108 respondents selected through a simple random sampling technique. Data were collected through questionnaires and analyzed using descriptive analysis, instrument testing, classical assumption tests, multiple linear regression analysis, and hypothesis testing with IBM SPSS version 26.
Research Findings: The results showed that all research instruments were valid and reliable. The classical assumption tests indicated that the data were normally distributed and free from heteroscedasticity and multicollinearity problems. Multiple linear regression analysis revealed that perceived usefulness and perceived ease of use had a positive and significant effect on transaction interest in using BYOND by BSI. Meanwhile, perceived security did not significantly affect transaction interest, with a significance value of 0.828 > 0.05. This indicates that security is not the main factor influencing transaction interest in using BYOND by BSI. The Adjusted R Square value was 0.347, meaning that perceived usefulness, ease of use, and security explained 34.7% of the variation in transaction interest.
Contribution/Originality/Novelty: This study contributes to the development of digital Islamic banking literature, particularly regarding factors influencing students’ interest in using the BYOND by BSI application. The novelty of this research lies in its focus on KIP Kuliah Scholarship recipients at class of 2022 as research subjects in the context of Islamic digital banking adoption.
References
Ahmad, & Pambudi, B. S. (2013). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Keamanan Dan Ketersediaan Fitur Terhadapminat Ulang Nasabah Bank Dalam Menggunakan Internet Banking (Studi Pada Program Layanan Internet Banking Bri). Journal of Chemical Information and Modeling, 53(9), 1689–1699.
Atriani, A., Permadi, L. A., & Rinuastuti, B. H. (2020). Pengaruh Persepsi Manfaat dan Kemudahan Penggunaan Terhadap Minat Menggunakan Dompet Digital OVO. JURNAL SOSIAL EKONOMI DAN HUMANIORA, 6(1), 54–61. https://doi.org/10.29303/jseh.v6i1.78
Bank Syariah Indonesia. (2024). SuperApp BYOND by BSI Resmi Diluncurkan! Hadirkan Layanan Komprehensif yang Semakin Nyaman & Aman Diakses. Bank Syariah Indonesia. https://www.bankbsi.co.id/news-update/berita/superapp-byond-by-bsi-resmi-diluncurkan-hadirkan-layanan-komprehensif-yang-semakin-nyaman-aman-diakses
Desi Ratna Sari, & Cris Kuntadi. (2024). Pengaruh Transformasi Digital Dan Audit Syariah Terhadap Masa Depan Profesi Auditor. Jurnal Penelitian Ilmu Ekonomi Dan Keuangan Syariah, 2(2), 138–155. https://doi.org/10.59059/jupiekes.v2i2.1214
Dr. Ir. Agus Wibowo, M.Kom, M.Si, M. (2022). Inovasi dan Transformasi Perusahaan Digital. In Semarang: Yayasan Prima Agus Teknik. https://penerbit.stekom.ac.id/index.php/yayasanpat/article/view/267
Dr. Suyanto, S.E., S.Pd.I., M.M., M.Ak., Ak., C. (2023). Mengenal Dompet Digital di Indonesia. In CV. AA. RIZKY (Vol. 11, Issue 1). http://scioteca.caf.com/bitstream/handle/123456789/1091/RED2017-Eng-8ene.pdf?sequence=12&isAllowed=y%0Ahttp://dx.doi.org/10.1016/j.regsciurbeco.2008.06.005%0Ahttps://www.researchgate.net/publication/305320484_SISTEM_PEMBETUNGAN_TERPUSAT_STRATEGI_MELESTARI
Kumala, D. C., Pranata, J. W., & Thio, S. (2020). Pengaruh Perceived Usefulness, Perceived Ease of Use, Trust, Dan Security Terhadap Minat Penggunaan Gopay Pada Generasi X Di Surabaya. Jurnal Manajemen Perhotelan, 6(1), 19–29. https://doi.org/10.9744/jmp.6.1.19-29
Matondang, A. (2018). Pengaruh antara Minat dan Motivasi Dengan Prestasi Belajar. Jurnal Pendidikan Bahasa Dan Sastra Indonesia, 2(2), 24–32.
Nurdin, Winda Nur Azizah, & Rusli. (2020). Pengaruh Pengetahuan,Kemudahan dan Risiko Terhadap Minat Bertransaksi Menggunakan Finansial Technology (Fintech) Pada Mahasiswa Institut Agama Islam Negeri (IAIN) Palu. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 2(2), 199–222. https://doi.org/10.24239/jipsya.v2i2.32.198-221
Rahayu, R., & Wibowo, E. (2018). Persepsi dan sikap bahasa masyarakat Lampung Selatan terhadap penggunaan bahasa Indonesia di harian Lampung Post. Tuah Talino, 12(1), 57–71. https://ojs.badanbahasa.kemdikbud.go.id/jurnal/index.php/tuahtalino/article/view/1100
Shin, D.-H. (2010). The effects of trust, security and privacy in social networking: A security-based approach to understand the pattern of adoption. Interacting with Computers, 22(5), 428–438. https://doi.org/10.1016/j.intcom.2010.05.001
Sibuea, S. J., Oktavhianty, D., & Rangkuti, A. E. (2021). Pengaruh Persepsi Kemudahan Penggunaan Dan Persepsi Manfaat Terhadap Minat Penggunaan Aplikasi Ovo. KONSEP: Konferensi Nasional Social and Engineering Polmed, 2(1), 635–645. https://ojs.polmed.ac.id/index.php/KONSEP2021/article/view/654
Siti Arawiyyah Ardi, Maulana Alghifari, Restu Tumanggor, & Enika Diana Batubara. (2023). Faktor-Faktor Yang Mempengaruhi Minat Bertransaksi Masyarakat Non Muslim Pada Bank Syari’ah (Studi Pada Bank Syari’ah). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah Analisis, 8(2), 1429–1440.
Wicaksono, S. R. (2022). Teori Dasar Technology Acceptance Model (Issue March). https://doi.org/10.5281/zenodo.7754254
Yusri, A. Z. dan D. (2020). Teori,Metode dan Praktik Penelitian Kualitatif. In Jurnal Ilmu Pendidikan (Vol. 7, Issue 2).
Yusuf, M. (n.d.). Inovasi Teknologi Finansial ( Fintech ) dalam Pengelolaan Keuangan Institusi Pendidikan Islam. 159–182.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Siti Khadijah, Nurma Sari, Kholifuddin Roma
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
