PENGARUH PERCEIVED EASE OF USE, PERCEIVED USEFULNESS DAN ATTITUDE TOWARD OF USING TERHADAP BEHAVIORAL INTENTION TO USE DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Generasi Gen Z Penggunan Bank Jago Syariah)

RAHMAT, AJI SETIYO (2025) PENGARUH PERCEIVED EASE OF USE, PERCEIVED USEFULNESS DAN ATTITUDE TOWARD OF USING TERHADAP BEHAVIORAL INTENTION TO USE DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Generasi Gen Z Penggunan Bank Jago Syariah). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh Perceived Ease of Use, Perceived Usefulness, dan Attitude Toward Using terhadap Behavioral Intention to Use Bank Jago Syariah di Indonesia. Dalam era digitalisasi, adopsi teknologi perbankan syariah semakin penting, terutama di kalangan generasi Z yang merupakan pengguna aktif layanan digital. Meskipun Bank Jago Syariah menawarkan berbagai kemudahan, masih terdapat tantangan dalam penerimaan teknologi ini. Oleh karena itu, penelitian ini berfokus pada faktorfaktor yang memengaruhi niat pengguna untuk menggunakan layanan perbankan digital tersebut. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan desain survei. Data dikumpulkan melalui kuesioner yang disebarkan kepada 100 responden yang merupakan pengguna Bank Jago Syariah selama minimal tiga bulan. Analisis data dilakukan menggunakan software SmartPLS untuk menguji validitas, reliabilitas, dan pengaruh variabel-variabel penelitian. Dalam penelitian ini, variabel independen terdiri dari Perceived Ease of Use, Perceived Usefulness, dan Attitude Toward Using, sedangkan variabel dependen adalah Behavioral Intention to Use. Uji hipotesis dilakukan dengan analisis statistik untuk menentukan signifikansi pengaruh masingmasing variabel. Hasil penelitian menunjukkan bahwa perceived ease of use berpengaruh positif namun tidak signifikan terhadap behavioral intention to use layanan bank jago dengan nilai original sample sebesar 0,075, t-statistic 0,723, dan p-value 0,470, sedangkan perceived usefulness memiliki nilai original sample sebesar 0,441, tstatistic 4,483, dan p-value 0,000 dan attitude toward using memiliki nilai original sample sebesar 0,393, t-statistic 4,872, dan p-value 0,000 terbukti berpengaruh positif dan signifikan terhadap behavioral intention to use. ABSTRACT This study aims to analyze the influence of Perceived Ease of Use, Perceived Usefulness, and Attitude Toward Using on Behavioral Intention to Use the Bank Jago Syariah services in Indonesia. In the era of digitalization, the adoption of sharia banking technology is increasingly important, especially among Generation Z, who are active users of digital services. Although Bank Jago Syariah offers various conveniences, there are still challenges in the acceptance of this technology. Therefore, this research focuses on the factors influencing users' intentions to utilize these digital banking services. The research method employed is a quantitative approach with a survey design. Data were collected through questionnaires distributed to 100 respondents who are users of Bank Jago Syariah for at least three months. Data analysis was conducted using SmartPLS software to test the validity, reliability, and influence of the research variables. In this study, the independent variables consist of Perceived Ease of Use, Perceived Usefulness, and Attitude Toward Using, while the dependent variable is Behavioral Intention to Use. Hypothesis testing was performed using statistical analysis to determine the significance of the influence of each variable. The research results show that perceived ease of use has a positive but not significant effect on behavioral intention to use Bank Jago’s services, with an original sample value of 0.075, a t-statistic of 0.723, and a p-value of 0.470. Meanwhile, perceived usefulness has an original sample value of 0.441, a t-statistic of 4.483, and a p-value of 0.000, and attitude toward using has an original sample value of 0.393, a t-statistic of 4.872, and a p-value of 0.000, both of which are proven to have a positive and significant effect on behavioral intention to use.

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