Aida Asa, Siti (2026) ANALISIS PERILAKU AKTUAL PENGGUNAAN E-BANKING BYOND BY BSI DALAM PERSPEKTIF TECHNOLOGY ACCEPTANCE MODEL (Studi Pada Masyarakat Rangkasbitung). S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
This study aims to analyze the factors that influence the use of the BYOND by BSI mobile banking application based on the Technology Acceptance Model (TAM) approach among the people of Rangkasbitung. The variables used include Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Attitude Toward Using (ATT), Behavioral Intention to Use (BI), and Actual Behavior (Actual Use). The method used is quantitative with Structural Equation Modeling analysis techniques based on Partial Least Squares (PLS-SEM) using SmartPLS 3.0 with a bootstrapping technique of 5,000 resampling. The results showed that the model had a very strong explanatory power, with R² values for Actual Behavior of 0.875, Attitude Toward Using of 0.798, and Behavioral Intention of 0.581. Hypothesis testing shows that Perceived Usefulness has a significant effect on Behavioral Intention (β = 0.435; t = 7.258; p = 0.000) and Actual Behavior (β = 0.163; t = 4.650; p = 0.000). Perceived Ease of Use has a very strong effect on Attitude Toward Using (β = 0.910; t = 32.874; p = 0.000) and has a significant effect on Behavioral Intention (β = 0.521; t = 2.946; p = 0.003) and Actual Behavior (β = 0.492; t = 5.831; p = 0.000). Behavioral Intention proved to be the strongest predictor of Actual Behavior (β = 0.553; t = 11.809; p = 0.000). In addition, the mediation results showed that Behavioral Intention was able to mediate the effect of Perceived Usefulness on Actual Behavior (t = 6.249; p = 0.000). These findings indicate that perceived usefulness and usage intention are the main factors in driving the actual use of BYOND by BSI. Keywords: Mobile Banking, TAM, BYOND by BSI, User Behavior, PLS-SEM.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi penggunaan aplikasi mobile banking BYOND by BSI berdasarkan pendekatan Technology Acceptance Model (TAM) pada masyarakat Rangkasbitung. Variabel yang digunakan meliputi Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Attitude Toward Using (ATT), Behavioral Intention to Use (BI), dan Perilaku Aktual (Actual Use). Metode yang digunakan adalah kuantitatif dengan teknik analisis Structural Equation Modeling berbasis Partial Least Squares (PLS SEM) menggunakan SmartPLS 3.0 dengan teknik bootstrapping 5.000 resampling. Hasil penelitian menunjukkan bahwa model memiliki daya jelaskan yang sangat kuat, dengan nilai R² untuk Perilaku Aktual sebesar 0,875, Attitude Toward Using sebesar 0,798, dan Behavioral Intention sebesar 0,581. Pengujian hipotesis menunjukkan bahwa Perceived Usefulness berpengaruh signifikan terhadap Behavioral Intention (β = 0,435; t = 7,258; p = 0,000) dan Perilaku Aktual (β = 0,163; t = 4,650; p = 0,000). Perceived Ease of Use berpengaruh sangat kuat terhadap Attitude Toward Using (β = 0,910; t = 32,874; p = 0,000) dan berpengaruh signifikan terhadap Behavioral Intention (β = 0,521; t = 2,946; p = 0,003) serta Perilaku Aktual (β = 0,492; t = 5,831; p = 0,000). Behavioral Intention terbukti menjadi prediktor paling kuat terhadap Perilaku Aktual (β = 0,553; t = 11,809; p = 0,000). Selain itu, hasil mediasi menunjukkan bahwa Behavioral Intention mampu memediasi pengaruh Perceived Usefulness terhadap Perilaku Aktual (t = 6,249; p = 0,000). Temuan ini mengindikasikan bahwa persepsi manfaat dan niat penggunaan menjadi faktor utama dalam mendorong penggunaan nyata BYOND by BSI. Kata kunci: Mobile Banking, TAM, BYOND by BSI, Perilaku Pengguna, PLS-SEM. | |||||||||
| Subjects: | H Social Sciences > HG Finance | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > Program Sarjana Ekonomi Syariah |
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| Depositing User: | Mrs Siti Aida Asa | |||||||||
| Date Deposited: | 12 Mar 2026 07:47 | |||||||||
| Last Modified: | 12 Mar 2026 07:47 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/59246 |
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