Analisis Pengaruh Persepsi Kebermanfaatan, Keamanan, Kepercayaan dan Kemudahan Terhadap Minat Menggunakan Online Banking Generasi X, Y, dan Z
Abstract
The purpose of this study is to analyze the influence of perceptions of usefulness, security, trust and ease of interest in using online banking for X, Y and Z generations in the South Tangerang area. Researchers used primary data by distributing questionnaires to respondents (generations X, Y and Z). All samples taken match meet the following criteria: 1) Respondents residing in South Tangerang and 2) have used online banking. The analysis used is multiple linear regression with SPSS software. The results showed that partially for X generation, perceptions of usefulness, security, and ease had a positive effect on interest in using online banking, while the perception of trust had a negative influence on the interest in using online banking in the South Tangerang area. Meanwhile, for Y generation, perceptions of usefulness and convenience have a positive effect on the interest in using online banking while the perception of security and trust negatively affects the interest in using online banking. For the Z generation, perceptions of usefulness, trust and ease in using online banking have a positive effect, while security perceptions negatively affect the interest in using online banking. As for simultaneous analysis there is a significant influence on perceptions of usefulness, security, trust and ease of using online banking with a R2 value of 62.5% for generation X, 61.7% for generation Y and 65.1% for generation Z.
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