Studi Minat Penggunaan Bank Digital oleh Mahasiswa Fakultas Teknik Universitas Diponegoro
DOI:
https://doi.org/10.30640/ekonomika45.v13i1.5548Keywords:
Digital Bank, Faculty of Engineering;, Interest in Use, Students, Universitas DiponegoroAbstract
The rapid pace of innovation in technology has overhauled the banking world, giving rise to digital banks that provide convenience and efficiency. However, how much students, especially those studying in engineering and exposed to technology, adopt digital banks still needs to be studied in depth. This study aims to evaluate the interest of students at the Faculty of Engineering, Diponegoro University regarding the use of digital banks. The method utilized in this research is a quantitative approach, by distributing questionnaires to 250 students of the Faculty of Engineering, Diponegoro University. The variables studied include perceptions of ease of use, perceived benefits, level of trust, and influence from the social environment. The results showed that perceptions of ease of use and perceived usefulness had a significant positive impact on interest in using digital banks. In contrast, the level of trust and influence from the social environment did not show a significant impact. From the findings of this study, it is desirable to provide advice for those who provide digital bank services to develop more effective marketing strategies for students, emphasizing the convenience aspects and direct benefits offered by the service.
References
Arner, D. W., Buckley, R. P., Zetzsche, D. A., & Veidt, R. (2020). The FinTech revolution: A global perspective on regulatory innovation. Cambridge University Press.
Daniel, E. (1999). Provision of electronic banking in the UK and the Republic of Ireland. International Journal of Bank Marketing, 17(2), 72–82. https://doi.org/10.1108/02652329910258934
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Marlina, L., Wijaya, H., & Suryadi, D. (2018). Digital banking dan transformasi layanan perbankan di era revolusi industri 4.0. Jurnal Ekonomi dan Bisnis Digital Indonesia, 2(1), 15–26.
Mbama, C. I., & Ezepue, P. O. (2018). Digital banking, customer experience and bank financial performance. International Journal of Bank Marketing, 36(2), 230–255. https://doi.org/10.1108/IJBM-11-2016-0181
Ningsih, S., & Dukalang, H. H. (2019). Penerapan metode suksesif interval pada analisis regresi linier berganda. Jambura Journal of Mathematics, 1(1), 43–53. https://doi.org/10.34312/jjom.v1i1.1742
Nugraha, B. (2022). Pengembangan uji statistik: Implementasi metode regresi linier berganda dengan pertimbangan uji asumsi klasik. Pradina Pustaka.
Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18(4), 329–340. https://doi.org/10.1016/j.bir.2017.12.003
Prensky, M. (2001). Digital natives, digital immigrants. On the Horizon, 9(5), 1–6. https://doi.org/10.1108/10748120110424816
Putri, A. S., & Yulianto, A. (2021). Analisis faktor-faktor yang mempengaruhi minat penggunaan digital banking pada generasi Z. Jurnal Ekonomi dan Bisnis, 6(2), 105–113.
Seemiller, C., & Grace, M. (2016). Generation Z goes to college. Jossey-Bass.
Suryono, R. R., Budi, I., & Purwandari, B. (2020). Digital banking adoption in Indonesia: An empirical study. Procedia Computer Science, 161, 103–111. https://doi.org/10.1016/j.procs.2019.11.116
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Vives, X. (2019). Digital disruption in banking. Annual Review of Financial Economics, 11, 243–272. https://doi.org/10.1146/annurev-financial-100719-120854
Zhou, T., Lu, Y., & Wang, B. (2010). Integrating TTF and UTAUT to explain mobile banking user adoption. Computers in Human Behavior, 26(4), 760–767. https://doi.org/10.1016/j.chb.2010.01.013
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 EKONOMIKA45 : Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
