Pengaruh Perceived Ease of Use, Perceived Usefulness, Perceived Security, dan Ketersediaan Fitur terhadap Behavioral Intention to Use Pengguna Aplikasi BNI Mobile Banking pada Mahasiswa S-1 FEB USU

Abstract

This study aims to determine the significant influence of perceived ease of use, perceived usefulness, perceived security, and feature availability on the behavioral intention to use the BNI Mobile Banking application among undergraduate students of FEB USU. This research is an associative study with a quantitative approach. The data used were obtained from the responses of 190 participants as a sample, as well as previous research and literature review. The analysis method used is multiple linear regression analysis using SPSS version 25. This study aims to provide deeper insights into the aspects that need to be considered by digital financial application developers to enhance user adoption. The results of this study show that perceived ease of use, perceived usefulness, and feature availability have a positive and significant effect on behavioral intention to use. However, perceived security has a positive but not significant effect on behavioral intention to use the BNI Mobile Banking application among undergraduate students of FEB USU.