PENGARUH PERSEPSI KEMUDAHAN, KEAMANAN DAN KETERSEDIAAN FITUR TERHADAP MINAT MENGGUNAKAN E-BANKING PADA GEN-Z DI KOTA BANDAR LAMPUNG

Intan, Listika Sari (2026) PENGARUH PERSEPSI KEMUDAHAN, KEAMANAN DAN KETERSEDIAAN FITUR TERHADAP MINAT MENGGUNAKAN E-BANKING PADA GEN-Z DI KOTA BANDAR LAMPUNG. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

Abstract: Gen Z's high interest in e-banking is influenced by their perceptions of the ease, security, and availability of features offered. Gen Z, known as the digital native generation, expects a banking experience that is practical, modern, and in line with their lifestyle. Therefore, perceived ease of use, transaction security, and the availability of innovative features are crucial factors influencing their interest in using e-banking. This study aims to determine the influence of perceived ease of use, security, and feature availability on the interest in using e-banking among Gen Z in Bandar Lampung City. This study uses a quantitative approach with an associative research type. The population in this study was 356,141 people. The research sample was 100 respondents with a purposive sampling technique. The data analysis method used Validity and Reliability Tests, Classical Assumption Tests, Multiple Linear Regression, and Hypothesis Tests. The results of this study indicate that perceived ease of use, security, and feature availability have a positive and significant influence on interest in using e-banking. From an Islamic2 perspective, perceived ease of use contributes to achieving the goals of sharia in improving the welfare and economic efficiency of the community. Security is the protection of assets (mal) and safeguarding property rights from unjustified use. Feature availability provides efficient and transparent access to financial services. This approach is not only effective in increasing interest but also supports the achievement of Islamic economic goals of creating a fair, transparent, and welfare-oriented financial system.

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