The Influence Of Perceived Usability, Convenience And Security On Generation Z's Interest In Using Islamic Mobile Banking With Trust As An Intervening Variable
{"title":"The Influence Of Perceived Usability, Convenience And Security On Generation Z's Interest In Using Islamic Mobile Banking With Trust As An Intervening Variable","authors":"Ika Yuni Rohmatin, Fani Firmansyah","doi":"10.47467/alkharaj.v6i7.2356","DOIUrl":null,"url":null,"abstract":"This study aims to analyze the influence of perceived usability, perceived ease, perceived security, interest, and trustworthiness. The quantitative research methodology used is an explanatory research approach to examine the influence of perceived usability, perceived convenience, and perceived security on the interest of Generation Z in using Islamic mobile banking with trust as a mediation variable. The population of this study consisted of students in Malang City who used Islamic mobile banking, and the sample used 100 students who met the criteria using purposive sampling techniques. Data was collected through questionnaires containing statements related to research variables. The results showed that perception, usefulness, and trust significantly affected interest. In comparison, the perception of convenience and security did not significantly affect interest. In addition, trust can mediate the influence of perceived usefulness and safety on interest. However, trust cannot mediate the influence of perceived convenience on interest. This study concludes that these factors can be a reference for banks to make strategies to increase the interest of Islamic mobile banking users. ","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"13 2","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.47467/alkharaj.v6i7.2356","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
Abstract
This study aims to analyze the influence of perceived usability, perceived ease, perceived security, interest, and trustworthiness. The quantitative research methodology used is an explanatory research approach to examine the influence of perceived usability, perceived convenience, and perceived security on the interest of Generation Z in using Islamic mobile banking with trust as a mediation variable. The population of this study consisted of students in Malang City who used Islamic mobile banking, and the sample used 100 students who met the criteria using purposive sampling techniques. Data was collected through questionnaires containing statements related to research variables. The results showed that perception, usefulness, and trust significantly affected interest. In comparison, the perception of convenience and security did not significantly affect interest. In addition, trust can mediate the influence of perceived usefulness and safety on interest. However, trust cannot mediate the influence of perceived convenience on interest. This study concludes that these factors can be a reference for banks to make strategies to increase the interest of Islamic mobile banking users.
本研究旨在分析感知可用性、感知便利性、感知安全性、兴趣和可信度的影响。采用的定量研究方法是解释性研究方法,以信任为中介变量,研究感知可用性、感知便利性和感知安全性对 Z 世代使用伊斯兰手机银行兴趣的影响。本研究的研究对象包括马兰市使用伊斯兰手机银行的学生,使用目的性抽样技术抽取了100名符合标准的学生作为样本。数据是通过调查问卷收集的,问卷中包含与研究变量相关的陈述。结果显示,感知、有用性和信任度对兴趣有显著影响。相比之下,便利性和安全性对兴趣的影响不大。此外,信任可以调节感知有用性和安全性对兴趣的影响。然而,信任感不能调节感知到的便利性对兴趣的影响。本研究的结论是,这些因素可以为银行制定提高伊斯兰手机银行用户兴趣的策略提供参考。