Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Keamanan, dan Ketersediaan Fitur Terhadap Minat Menggunakan BRI Mobile (Studi Kasus pada Mahasiswa UIN Kiai Haji Achmad Siddiq Jember)

Authors

  • Ummi Sa'idah Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember
  • Adil Siswanto Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember

DOI:

https://doi.org/10.30651/jms.v11i2.31097

Abstract

Abstrak

This study aims to analyze the influence of perceived ease of use, perceived security, and feature availability on the interest in using BRI Mobile among students of UIN Kiai Haji Achmad Siddiq Jember. This study uses a quantitative approach with data collection techniques using questionnaires. The sample in this study were students of UIN Kiai Haji Achmad Siddiq Jember who are customers who have and have used the BRI Mobile application as many as 100 respondents. This study uses a purposive sampling method with multiple linear regression data analysis through classical assumption stages consisting of normality, multicollinearity and heteroscedasticity, as well as hypotheses with t-test and f-test, processed using SPSS Version 23. The results of this study indicate that the transformation of digital banking services as a whole, the variables of perceived ease of use, perceived security, and feature availability have a positive and significant effect both partially and simultaneously on the interest in using BRI Mobile.

Key words: Perceived Ease of Use, Perceived Security, Feature Availability, Interest in Using

Abstrak

Penelitian  ini  bertujuan  untuk  menganalisis  pengaruh  persepsi kemudahan penggunaan, persepsi keamanan, dan ketersediaan fitur terhadap minat menggunakan BRI Mobile di kalangan   Mahasiswa   UIN   Kiai Haji Achmad Siddiq Jember.   Penelitian   ini   menggunakan   pendekatan kuantitatif   dengan   teknik   pengumpulan   data   menggunakan   kuisioner.   Sampel   pada penelitian  ini  yaitu  Mahasiswa  UIN  Kiai Haji Achmad Siddiq Jember yang  merupakan  nasabah  yang mempunyai dan pernah menggunakan aplikasi BRI Mobile sebanyak 100 responden. Penelitian ini menggunakan metode purposive sampling dengan analisis data regresi linear berganda melalui tahapan asumsi klasik yang terdiri atas normalitas, multikolinearitas dan heteroskedastisitas, serta hipotesis  dengan  uji  t  dan  uji  f,  diolah  menggunakan  SPSS  Versi  23.  Hasil  penelitian ini menunjukkan  bahwa  transformasi  layanan  digital  banking  secara  keseluruhan  variabel persepsi kemudahan penggunaan, persepsi keamanan, dan ketersediaan fitur berpengaruh positif dan signifikan baik  secara  parsial  maupun  simultan  terhadap minat menggunakan BRI Mobile.

Kata kunci: Persepsi Kemudahan Penggunaan, Persepsi Keamanan, Ketersediaan Fitur, Minat Menggunakan.

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Published

2026-04-11

How to Cite

Sa’idah, U., & Siswanto, A. (2026). Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Keamanan, dan Ketersediaan Fitur Terhadap Minat Menggunakan BRI Mobile (Studi Kasus pada Mahasiswa UIN Kiai Haji Achmad Siddiq Jember). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(2). https://doi.org/10.30651/jms.v11i2.31097

Issue

Vol. 11 No. 2 (2026)

Section

Artikel

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