Pengaruh Persepsi Kegunaan dan Persepsi Kemudahan terhadap Pemakaian Nyata Sistem Digital Saving dengan Minat Menggunakan sebagai Variabel Intervening (Studi pada Nasabah Bank Rakyat Indonesia Kantor Cabang Jember)

Abstract

Technological developments encourage digital transformation in various fields, including transformation in banking financial services. As a step in the company's development strategy, Bank Rakyat Indonesia (BRI) launched a digital account opening service called digital saving. BRI digital saving is a service that is accessed through a digital platform because during the account opening process it is done completely digitally. This study aims to determine the effect of using an online account opening system, namely BRI digital saving on BRI Bank Jember Branch Office customers using the technology acceptance model (TAM) approach. The sample in this study was 100 people using a purposive sampling technique, namely customers who open accounts using the BRI digital saving system. The data collection technique was carried out by distributing questionnaires via the Google form. The data processing method in this study was carried out using path analysis techniques using the SmartPLS version 4.0 application. There are 5 important findings in this study. 1) there is a significant influence of perceived usefulness on behavioral intention to use digital saving customers. 2) there is a significant effect of perceived ease of use on behavioral intention to use digital saving customers. 3) there is no significant effect of perceived usefulness on actual system use for digital saving customers. 4) there is a significant effect of perceived ease of use on actual system use for digital saving customers. 5) there is a significant effect of behavioral intention to use on actual system use for digital saving customers. 6) there is no significant effect of perceived usefulness on actual system use through behavioral intention to use digital saving customers. And 7) there is a significant effect of perceived ease of use on actual system use through behavioral intention to use digital saving customers.