eprintid: 59246
rev_number: 15
eprint_status: archive
userid: 17499
dir: disk0/00/05/92/46
datestamp: 2026-03-12 07:47:44
lastmod: 2026-03-12 07:47:44
status_changed: 2026-03-12 07:47:44
type: thesis
metadata_visibility: show
creators_name: Aida Asa, Siti
creators_id: 5554220015
contributors_type: http://www.loc.gov/loc.terms/relators/THS
contributors_type: http://www.loc.gov/loc.terms/relators/THS
contributors_name: NAJMUDIN, NAJMUDIN
contributors_name: FADHILAH, NURUL
contributors_id: 198603212019031005
contributors_id: 199310232023212050
corp_creators: UNIVERSITAS SULTAN AGENG TIRTAYASA
corp_creators: FAKULTAS EKONOMI DAN BISNIS
corp_creators: JURUSAN EKONOMI SYARIAH
title: ANALISIS PERILAKU AKTUAL PENGGUNAAN E-BANKING BYOND 
BY BSI DALAM PERSPEKTIF TECHNOLOGY ACCEPTANCE MODEL  
(Studi Pada Masyarakat Rangkasbitung)
ispublished: pub
subjects: HG
divisions: FEB
divisions: EkSy
full_text_status: restricted
note: 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.
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.
date: 2026-03-12
date_type: published
pages: 178
institution: UNIVERSITAS SULTAN AGENG TIRTAYASA
department: EKONOMI SYARIAH
thesis_type: sarjana
thesis_name: sarjana
citation:   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.   
document_url: https://eprints.untirta.ac.id/59246/1/SITI%20AIDA%20ASA_5554220015_FULL%20TEXT.pdf
document_url: https://eprints.untirta.ac.id/59246/2/SITI%20AIDA%20ASA_5554220015_01.pdf
document_url: https://eprints.untirta.ac.id/59246/3/SITI%20AIDA%20ASA_5554220015_02.pdf
document_url: https://eprints.untirta.ac.id/59246/4/SITI%20AIDA%20ASA_5554220015_03.pdf
document_url: https://eprints.untirta.ac.id/59246/5/SITI%20AIDA%20ASA_5554220015_04.pdf
document_url: https://eprints.untirta.ac.id/59246/6/SITI%20AIDA%20ASA_5554220015_05.pdf
document_url: https://eprints.untirta.ac.id/59246/7/SITI%20AIDA%20ASA_5554220015_REFERENSI.pdf
document_url: https://eprints.untirta.ac.id/59246/8/SITI%20AIDA%20ASA_5554220015_LAMPIRAN.pdf