PENGARUH PERSEPSI KEMUDAHAN, MANFAAT DAN RISIKO TERHADAP MINAT MENGGUNAKAN FINANCIAL TECHNOLOGY (GOPAY) PADA GEN Z DI KOTA BANDAR LAMPUNG

LUSIANA, PUTRI (2025) PENGARUH PERSEPSI KEMUDAHAN, MANFAAT DAN RISIKO TERHADAP MINAT MENGGUNAKAN FINANCIAL TECHNOLOGY (GOPAY) PADA GEN Z DI KOTA BANDAR LAMPUNG. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Penelitian ini bertujuan mengetahui pengaruh persepsi kemudahan, manfaat, dan risiko terhadap minat Generasi Z menggunakan teknologi finansial (GoPay) di Kota Bandar Lampung. Dengan pendekatan kuantitatif deskriptif dan rumus Slovin, diperoleh 100 responden. Data dianalisis menggunakan PLS-SEM melalui SmartPLS 4, mencakup uji validitas, reliabilitas, hipotesis, dan koefisien determinasi. Hasil penelitian menunjukkan ketiga variabel berpengaruh positif dan signifikan terhadap minat penggunaan GoPay. Persepsi manfaat dan risiko memiliki pengaruh lebih kuat dibandingkan kemudahan, berdasarkan nilai T-statistik dan f-square. Nilai R-Square sebesar 0,673 menandakan model mampu menjelaskan 67,3% variasi minat penggunaan GoPay oleh Generasi Z. Hasil ini mendukung validitas Technology Acceptance Model (TAM) dan memberikan implikasi praktis bagi penyedia layanan fintech untuk memprioritaskan peningkatan manfaat yang dirasakan dan pengelolaan risiko yang efektif, sambil tetap mempertahankan kemudahan penggunaan, guna mendorong adopsi dan minat yang berkelanjutan di kalangan segmen Generasi Z. ABSTRACT This study aims to determine the influence of perceived ease of use, benefits, and risks on Generation Z's interest in using financial technology (GoPay) in Bandar Lampung City. Using a descriptive quantitative approach and the Slovin formula, 100 respondents were recruited. Data were analyzed using PLS-SEM through SmartPLS 4, including validity, reliability, hypothesis testing, and coefficient of determination. The results showed that all three variables had a positive and significant effect on interest in using GoPay. Perceived benefits and risks had a stronger influence than ease of use, based on the T-statistic and f-square values. The R-square value of 0.673 indicates that the model is able to explain 67.3% of the variation in interest in using GoPay among Generation Z. These results support the validity of the Technology Acceptance Model (TAM) and provide practical implications for fintech service providers to prioritize increasing perceived benefits and effective risk management, while maintaining ease of use, to encourage adoption and continued interest among the Generation Z segment.

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