The influence of perceived usefulness, perceived ease of use, and financial literacy on interest in using digital banking among students at Sebelas Maret University, Surakarta
-
Andarias Vanissaputri(1*)
Economic Education, Faculty of Teacher Training and Education, Sebelas Maret University
-
Khresna Bayu Sangka(2)
Economic Education, Faculty of Teacher Training and Education, Sebelas Maret University
(*) Corresponding Author
Keywords:
Perceived Usefulness, Perceived Ease of Use, Financial Literacy, Interest In Using Digital Banking
Abstract
This study examines the influence of perceived usefulness, perceived ease of use, and financial literacy on students’ intention to use digital banking services at Sebelas Maret University. As digital financial services continue to expand, understanding the factors that encourage technology adoption among young consumers has become increasingly important for financial institutions and policymakers. Through a quantitative descriptive approach, primary data was gathered using online questionnaires administered to a student sample selected via purposive sampling. Instrument validity and reliability were assessed using Pearson’s validity test and Cronbach’s Alpha, while data analysis included classical assumption tests and multiple linear regression analysis. The findings reveal that perceived usefulness, perceived ease of use, and financial literacy each exert a positive and significant influence on students’ intention to use digital banking services. Students are more likely to adopt digital banking when they perceive the technology as beneficial, easy to operate, and supported by adequate financial knowledge. These results highlight the importance of user-friendly digital banking platforms and financial literacy development in fostering technology acceptance among younger generations. The study contributes to the literature on financial technology adoption and digital consumer behaviour by providing empirical evidence on the determinants of digital banking acceptance within the higher education context in Indonesia.
Keywords: Perceived Usefulness; Perceived Ease of Use; Financial Literacy; Interest In Using Digital Banking
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References
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https://journal.inspirasi.or.id/nomicpedia/article/view/138/53
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https://doi.org/10.1108/IJBM-08-2016-0104
Peraturan Otoritas Jasa Keuangan No. 12/ POJK.03/2021 tentang Bank Umum
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Pratama, R. A., & Pasha, D. (2022). Analisis Pengguna Shopeepay Dan Gopay Pada Masa Pandemi Covid-19 Dengan Model Tam. Jurnal Informatika Dan Rekayasa Perangkat Lunak, 2(4), 491–500. https://doi.org/10.33365/jatika.v2i4.1606
Quynh, N. H., & Truong, L. M. (2023). The role of perceived security and social influence on the usage behavior of digital banking services: An extension of the technology acceptance model. Edelweiss Applied Science and Technology, 7(2), 136–153. https://doi.org/10.55214/25768484.v7i2.396
Siagian, H., Tarigan, Z. J. H., Basana, S. R., & Basuki, R. (2022). The effect of perceived security, perceived ease of use, and perceived usefulness on consumer behavioral intention through trust in digital payment platform. International Journal of Data and Network Science, 6, 861–874.
https://doi.org/http://dx.doi.org/10.5267/j.ijdns.2022.2.010
Simatupang, S., Sinaga, O. S., Manurung, S., Ambarita, M. H., & Mokodongan, E. N. (2024). Bank digital dan kepercayaan konsumen. Jurnal Ilmiah Satyagraha, 7(2), 118–127. https://doi.org/10.47532/jis.v7i2.1090
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alphabet.
Sumartini, A. R., Suprapti, N. W. S., Saroyini, P. P., & Sukaatmadja, I. P. G. (2024). Digital financial literacy and self-efficacy in increasing intention to use digital bank with the technology acceptance model theory approach : A literature review. International Research Journal of Management, IT & Social Sciences, 11(6), 252–263.
Syawali, A. Z. S., Harahap, A. S., Pradesa, H. A., & Andikaputra, F. A. T. (2023). Analisis penggunaan aplikasi BJB DIGI mobile banking dengan menggunakan pendekatan Technology Acceptance Model (TAM). KLIK: Kajian Ilmiah Informatika Dan Komputer, 4(1), 624–633. https://doi.org/10.30865/klik.v4i1.1205
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https://doi.org/10.35508/jak.v9i2.5458
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Widiyati, D., & Erliana. (2024). Pengaruh literasi keuangan, perlindungan data, dan cybersecurity terhadap penggunaan financial technology. Jae (Jurnal Akuntansi Dan Ekonomi), 9(1), 130–141. https://doi.org/10.29407/jae.v9i1.21945
APJII. (2024). Hasil Survei Internet APJII. Diperoleh pada 08 Januari 2025, dari https://survei.apjii.or.id/
Bank Indonesia. (2024). Transaksi Digital Tumbuh Pesat. Portal Informasi Indonesia. Diperoleh pada 11 Januari 2025, dari https://indonesia.go.id/
Basri, M., & Leo, M. (2023). Pengaruh literasi keuangan dan digital terhadap preferensi bank digital. Journal of Trends Economics and Accounting Research, 3(4), 421–427. https://doi.org/10.47065/jtear.v3i4.659
Cassandra, V., & Bernanda, D. Y. (2024). Analisis persepsi pengguna bank digital dengan model TAM dan UTAUT2. Jurnal Teknologi Dan Sistem Informasi Bisnis, 6(1), 151–161.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Service Review, 7(2), 107–128.
https://doi.org/10.3788/CJL201643.0811001
Choerudin, A., Zulfachry, Widyaswati, R., Warpindyastuti, L. D., Khasanah, J. S. N., Harto, B., et al. (2023). Literasi Keuangan. Padang: PT. Global Eksekutif Teknologi.
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
Gayatri, A. M., & Muzdalifah. (2022). Memahami literasi keuangan sebagai upaya pencegahan perilaku konsumtif dari pinjaman online. Judicious: Journal of Management, 3(2), 297–306. https://doi.org/10.37010/jdc.v3i2.1113
Gitazia, A. R., & Muhaimin. (2023). Tinjauan yuridis bank digital dalam perspektif Bank Indonesia. Jurnal Commerce Law, 3(1), 204–217.
https://doi.org/10.29303/commercelaw.v3i1.2807
Hadi, D. S. C., & Assegaff, S. (2022). Analisis aplikasi mobile banking Jenius menggunakan metode Technology Acceptance Model (TAM) di Kota Jambi. Jurnal Manajemen Sistem Informasi, 7(4), 666–677.
https://doi.org/10.33998/jurnalmsi.2022.7.4.691
Ilham, T. M. R., & Sihotang, E. T. (2024). Analisis perilaku generasi z dalam mengadopsi bank digital : Pendekatan TAM dan S-O-R. Jurnal Nusantara Aplikasi Manajemen Bisnis, 9(2), 438–455.
Ilmi, M., Setyo Liyundira, F., Rachmawati, A., Juliasari, D., & Habsari, P. (2020). Perkembangan dan penerapan Theory Of Acceptance Model (TAM) di Indonesia. Relasi : Jurnal Ekonomi, 16(2), 436–458.
https://doi.org/10.31967/relasi.v16i2.371
Kurnia, R. A., & Tandijaya, T. N. B. (2023). Pengaruh perceived ease of use, perceived usefulness, security dan trust terhadap intention to use aplikasi jago. Jurnal Manajemen Pemasaran, 17(1), 64–72. https://doi.org/10.9744/jmp.17.1.64-72
Lugun, A. A. (2024). Impact of digitalisation on banking sector. International Journal of Education, Modern Management, Applied Science & Social Science (IJEMMASSS), 06(03), 140–146.
https://doi.org/https://doi.org/10.62823/IJEMMASSS/6.3(I).6844
Maharseni, N. W. R., Rasmini, N. K., Ariyanto, D., & Mimba, N. P. S. H. (2022). Technology acceptance model dalam penggunaan financial technology lending pada generasi milenial. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 11(05), 1000–1013. https://ojs.unud.ac.id/index.php/EEB/
Murti, H. T., Lakoni, I., & Safrianti, S. (2023). Pengaruh literasi keuangan dan literasi teknologi terhadap adopsi uang elektronik pada mahasiswa di Kota Bengkulu melalui mediasi attitude toward adoption. JMB : Jurnal
Manajemen Dan Bisnis, 12(2), 89–99. https://doi.org/10.31000/jmb.v12i2.8343
OJK. (2021). POJK 12. Otoritas Jasa Keuangan.
OJK. (2022). Edukasi Keuangan. Otoritas Jasa Keuangan.
OJK. (2024). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024. Otoritas Jasa Keuangan.
Oktania, D. E., & Indarwati, T. A. (2022). Pengaruh perceived usefulness, perceived ease of use, dan compatibility with lifestyle terhadap niat beli di social commerce. Jurusan Ilmu Manajemen, 10(1), 255–267.
https://journal.inspirasi.or.id/nomicpedia/article/view/138/53
Orabi, M. M. A. (2024). Role of financial literacy in increasing fin-tech adoption: A study on millennial consumer behavior in Jordan. Journal of System and Management Sciences, 14(8), 152–167. https://doi.org/10.33168/jsms.2024.0810
Patel, K. J., & Patel, H. J. (2018). Adoption of internet banking services in Gujarat: An extension of TAM with perceived security and social influence. International Journal of Bank Marketing, 36(1), 147–169.
https://doi.org/10.1108/IJBM-08-2016-0104
Peraturan Otoritas Jasa Keuangan No. 12/ POJK.03/2021 tentang Bank Umum
Pertiwi, D., Suyitno, A., Rochmiatun, E., Anisa, W. N., & Handayani, D. L. (2023). Bank digital sebagai peradaban lembaga keuangan syariah di Indonesia. INASJIF Indonesian Scientific Journal of Islamic Finance, 1(2), 172–182.
Pratama, R. A., & Pasha, D. (2022). Analisis Pengguna Shopeepay Dan Gopay Pada Masa Pandemi Covid-19 Dengan Model Tam. Jurnal Informatika Dan Rekayasa Perangkat Lunak, 2(4), 491–500. https://doi.org/10.33365/jatika.v2i4.1606
Quynh, N. H., & Truong, L. M. (2023). The role of perceived security and social influence on the usage behavior of digital banking services: An extension of the technology acceptance model. Edelweiss Applied Science and Technology, 7(2), 136–153. https://doi.org/10.55214/25768484.v7i2.396
Siagian, H., Tarigan, Z. J. H., Basana, S. R., & Basuki, R. (2022). The effect of perceived security, perceived ease of use, and perceived usefulness on consumer behavioral intention through trust in digital payment platform. International Journal of Data and Network Science, 6, 861–874.
https://doi.org/http://dx.doi.org/10.5267/j.ijdns.2022.2.010
Simatupang, S., Sinaga, O. S., Manurung, S., Ambarita, M. H., & Mokodongan, E. N. (2024). Bank digital dan kepercayaan konsumen. Jurnal Ilmiah Satyagraha, 7(2), 118–127. https://doi.org/10.47532/jis.v7i2.1090
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alphabet.
Sumartini, A. R., Suprapti, N. W. S., Saroyini, P. P., & Sukaatmadja, I. P. G. (2024). Digital financial literacy and self-efficacy in increasing intention to use digital bank with the technology acceptance model theory approach : A literature review. International Research Journal of Management, IT & Social Sciences, 11(6), 252–263.
Syawali, A. Z. S., Harahap, A. S., Pradesa, H. A., & Andikaputra, F. A. T. (2023). Analisis penggunaan aplikasi BJB DIGI mobile banking dengan menggunakan pendekatan Technology Acceptance Model (TAM). KLIK: Kajian Ilmiah Informatika Dan Komputer, 4(1), 624–633. https://doi.org/10.30865/klik.v4i1.1205
Tantry, N. S., Dethan, M. A., & Tungga, C. A. (2021). Analisis tingkat literasi keuangan pada mahasiswa (Studi pada mahasiswa program studi akuntansi Undana). Jurnal Akuntansi : Transparansi Dan Akuntabilitas, 9(2), 194–203.
https://doi.org/10.35508/jak.v9i2.5458
Tiffani, I. (2023). Pengaruh literasi keuangan dan literasi digital terhadap preferensi bank digital. Mbia: Journal Management, Business, and Accounting, 22(1), 152–167. https://doi.org/10.33557/mbia.v22i1.2039
Visa. (2024). Visa Consumer Payment Attitudes Study 2024. Diperoleh pada 11 Januari 2025 dari https://www.visa.com.sg/about-visa/research/consumer-payment-attitudes-study.html
Widiyati, D., & Erliana. (2024). Pengaruh literasi keuangan, perlindungan data, dan cybersecurity terhadap penggunaan financial technology. Jae (Jurnal Akuntansi Dan Ekonomi), 9(1), 130–141. https://doi.org/10.29407/jae.v9i1.21945
Published
2026-07-06
How to Cite
Vanissaputri, A., & Sangka, K. (2026). The influence of perceived usefulness, perceived ease of use, and financial literacy on interest in using digital banking among students at Sebelas Maret University, Surakarta. Journal of Management : Small and Medium Enterprises (SMEs), 19(2), 941-951. https://doi.org/10.35508/jom.v19i2.24357
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Articles
