Pengaruh Perceived Ease of Use, Perceived Security, dan Trust Terhadap Minat Penggunaan Aplikasi Byond by Bank Syariah Indonesia (Studi Kasus Generasi Z di Kabupaten Pekalongan)

Imeldalia, Vanessa (2026) Pengaruh Perceived Ease of Use, Perceived Security, dan Trust Terhadap Minat Penggunaan Aplikasi Byond by Bank Syariah Indonesia (Studi Kasus Generasi Z di Kabupaten Pekalongan). Undergraduate Thesis thesis, UIN K.H. Abdurrahman Wahid Pekalongan.

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Abstract

Transformasi digital pada sektor perbankan mendorong Bank Syariah Indonesia menghadirkan aplikasi Byond sebagai layanan perbankan digital berbasis syariah. Meskipun jumlah pengguna terus meningkat, masih terdapat kesenjangan antara jumlah nasabah dan pengguna aktif aplikasi. Penelitian ini bertujuan menganalisis pengaruh Perceived Ease of Use, Perceived Security, dan Trust terhadap minat penggunaan aplikasi Byond by Bank Syariah Indonesia pada Generasi Z di Kabupaten Pekalongan. Penelitian ini menggunakan metode kuantitatif dengan pendekatan asosiatif kausal. Data dikumpulkan melalui kuesioner berskala Likert kepada 96 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan dengan regresi linear berganda menggunakan IBM SPSS Statistics versi 26. Hasil penelitian menunjukkan bahwa Perceived Ease of Use, Perceived Security, dan Trust secara parsial berpengaruh positif dan signifikan terhadap minat penggunaan aplikasi Byond by Bank Syariah Indonesia. Secara simultan, ketiga variabel tersebut juga berpengaruh signifikan terhadap minat penggunaan dengan kemampuan menjelaskan sebesar 45,7% variasi minat penggunaan. Temuan ini menunjukkan bahwa kemudahan penggunaan, keamanan, dan kepercayaan merupakan faktor yang berperan dalam mendorong minat generasi Z di Kabupaten Pekalongan untuk menggunakan aplikasi Byond by Bank Syariah Indonesia. Kata kunci: Perceived Ease of Use, Perceived Security, Trust, Minat Penggunaan, Byond by BSI. ABSTRACT VANESSA IMELDALIA. THE EFFECT OF PERCEIVED EASE OF USE, PERCEIVED SECURITY, AND TRUST ON GENERATION Z INTEREST IN USING THE BYOND APP BY BANK SYARIAH INDONESIA IN PEKALONGAN REGENCY The digital transformation of the banking sector has encouraged Bank Syariah Indonesia to introduce the Byond application as a Sharia based digital banking service. Despite the increasing number of users, a gap remains between the total number of customers and active application users. This study aims to examine the effects of Perceived Ease of Use, Perceived Security, and Trust on the intention to use the Byond application by Bank Syariah Indonesia among Generation Z in Pekalongan Regency. This study employed a quantitative method with a causal associative approach. Data were collected through a Likert-scale questionnaire administered to 96 respondents selected using purposive sampling. The data were analyzed using multiple linear regression with IBM SPSS Statistics version 26. The results indicate that Perceived Ease of Use, Perceived Security, and Trust have positive and significant partial effects on the intention to use the Byond application by Bank Syariah Indonesia. Simultaneously, these three variables also have a significant effect on usage intention, explaining 45,7% of the variation in usage intention. These findings indicate that ease of use, security, and trust play important roles in encouraging generation Z in Pekalongan Regency to use the Byond application by Bank Syariah Indonesia. Keywords: Perceived Ease of Use, Perceived Security, Trust, Intention to Use, Byond by BSI.

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