The Influence of Perceived Value of Benefits, Perceived Ease of Technology Use and Customer Trust on Intention to Use Digital Banking Applications
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Published:
Jan 1, 2024
Keywords:
Sharia Banks, Sharia Digital Banks, Technology Acceptance Model
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Abstract
The purpose of this study is to ascertain the impact of perceived benefits, ease of use, and trust on interest in utilizing sharia digital banking. The target audience for this study consists of potential users or clients who currently use or plan to use the sharia digital bank application, which is available in five Indonesian cities; the precise number of users is unknown. Probability sampling techniques were used for the sampling process. use basic random sampling to determine the sample. Thus, one hundred participants made up the sample. The findings of surveys filled out by resource persons and interviews provide this main data. Descriptive quantitative data analysis techniques are used in this study. Several more conclusions can be made in light of the data analysis and discussion findings, specifically the following: Perceived convenience has no direct impact on people's desire to use sharia digital banking. Perceived benefits have a direct bearing on people's willingness to use sharia digital banking. People's desire in using sharia digital banking is not directly influenced by trust. Perceived convenience, perceived rewards, and trust all have an impact on people's willingness to use sharia digital banks concurrently.
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Elizabeth. (2024). The Influence of Perceived Value of Benefits, Perceived Ease of Technology Use and Customer Trust on Intention to Use Digital Banking Applications. Jurnal Informasi Dan Teknologi, 5(4), 265-271. https://doi.org/10.60083/jidt.v5i4.449
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References
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[3] Nursanti, S., Dharta, F. Y., Chaerudin, C., Syam, S. P., & Purnama, R. N. (2022). Generation z's perceptions of health information about the Covid-19. Jurnal Studi Komunikasi, 6(2), 587-602.
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[6] Junaedi, D., Norman, E., Salistia, F., Arsyad, M. R., & Paramansyah, A. (2022). The Analysis of the Impact of Debt on the Indonesian Economy for the Period 1976-2021. ManBiz: Journal of Management and Business, 1(1), 1-18.
[7] Norman, E., Paramansyah, A., Utami, W., & Aminah, S. (2022). SWOT Analysis as a Strategy for Madrasah Principals in Realizing Academic Madrasah. Al Tanzim: Jurnal Manajemen Pendidikan Islam, 6(02), 520-530.
[8] Norman, E., Paramansyah, A., & Abdan, M. S. (2022). The Role of Organizational Culture in the Effectiveness of School Organizations. Da'watuna: Journal of Communication and Islamic Broadcasting, 2(3), 254-269.
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[10] Turyadi, I., Zulkifli, Z., Tawil, M. R., Ali, H., & Sadikin, A. (2023). The Role Of Digital Leadership In Organizations To Improve Employee Performance And Business Success. Jurnal Ekonomi, 12(02), 1671-1677.
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[21] Tubagus, M., Muslim, S., & Suriani, S. (2020). Development of learning management system-based blended learning model using claroline in higher education.
[22] Lubis, F., Rony, Z., & Santoso, B. (2020, March). Digital leadership in managing employee work motivation (case study: oil and gas industry in Indonesia). In Proceedings of the 2nd International Conference on Social Sciences, ICSS 2019, 5-6 November 2019, Jakarta, Indonesia.
[23] Aryanto, T., Tukinah, U., Hartarini, Y. M., & Lubis, F. M. (2020). Connection of Stress and Job Satisfaction to Successful Organizational Stress Management: A Literature Review. International Journal of Advanced Engineering Research and Science, 7(11).
[24] Bangkara, R. P., & Mimba, N. P. S. H, “The Influence of Perceived Usefulness and Perceived Ease of Use on Interest in Using Internet Banking with Attitude Toward Using as an Intervening Variable,” E-Jurnal Akuntansi Universitas Udayana, vol. 16, no. 3, pp. 2408–2434, 2016, https://ojs.unud.ac.id/index.php/Akuntansi/article/view/21551/15419
[25] Tubagus, M., Haerudin, H., Fathurohman, A., Adiyono, A., & Aslan, A. (2023). The impact of technology on islamic pesantren education and the learning outcomes of santri: new trends and possibilities. Indonesian Journal of Education (INJOE), 3(3), 443-450.
[26] Winasis, S., Djumarno, Riyanto, S., & Eny, A, “Digital Transformation in the Indonesian Banking Industry: Impact on Employee Engagement,” International Journal of Innovation, Creativity and Change, vol. 12, no. 4, pp. 528–543, 2020.
[27] Tubagus, M., & Muslim, S. (2019). The Impact of The Development of Blended Learning Models Using Computer applications in Higher Education. International Journal of Educational Research Review, 4(4), 573-581.
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[30] Jefriyanto, J., Ainun, N., & Al Ardha, M. A. (2023). Application of Naïve Bayes Classification to Analyze Performance Using Stopwords. Journal of Information System, Technology and Engineering, 1(2), 49-53.
[31] Ainun, N., & Jefriyanto, J. (2023). Development of Kirchoff’s Law Drawing Tools to Improve Student’s Science Skills in Learning Process of Direct Flow Circuits. Journal of Information System, Technology and Engineering, 1(2), 32-37.
[32] Pramudito, D. K., Ahmad, N., Suwanda, R., Zakaria, M., & Judijanto, L. (2023). Designing an E-Recruitment Information System Using Simple Additive Weighting Method for Employee Recruitment in Banking Industry. Jurnal Informasi Dan Teknologi, 5(4), 19-25.
[33] Fitriyatul Bilgies, A., Risal Tawil, M., Mardiah, A., Jusatria, & Arief, I. (2023). Analysis of The Influence of Online Consumer Reviews, Seasonal Digital Advertising and Celebrity Endorsers on Repurchase Intention of E-Commerce Consumers. Jurnal Informasi Dan Teknologi, 5(4), 26-32.
[34] Mahdalela, R., Ainun, N., & Roslina, R. (2022, December). An Analysis of Students' Mathematical Communicative Skills in Solving Sets Problems at SMP Negeri 1 Darul Hikma Aceh Jaya. In Proceedings of International Conference on Multidiciplinary Research (Vol. 5, No. 2, pp. 70-81).
[35] Suryawati, I., Rahmani, R., & Ainun, N. (2022, November). Students' Mathematical Communication Ability through Blended Learning Model for Elementary School Students in Banda Aceh. In Proceedings of International Conference on Multidiciplinary Research (Vol. 5, No. 1, pp. 53-57).