Pengaruh Financial Literacy, Perceived Ease of Use, Perceived Usefullness dan Trust terhadap Keputusan Menggunakan BRImo (Studi Kasus Generasi Milenial Pengguna Aplikasi BRImo di Helvetia Tengah)

Abstract

This study aims to identify and analyze the influence of financial literacy, perceived ease of use, perceived usefullness and trust on the decision to use BRImo. Technological innovation in the banking sector demands that millennials adapt to digital services such as BRImo. With the increasing adoption of digitalization in the financial sector, the decision to use BRImo is not just an option but has become a necessity for millennials.The factors driving this phenomenon include low financial literacy, high perceived ease of use, perceived usefulness, and trust, all of which play a role in influencing and guiding millennials in making decisions about using digital services.This research is associative and uses quantitative data. The population in this study consists of millennials in Helvetia Tengah Sub-district, Medan Helvetia District, who have already used BRImo, with an unknown total number. The sample size is 100 respondents. The data analysis techniques used include descriptive analysis and multiple linear regression analysis.The research results show that partially financial literacy has a positive and significant effect on the decision to use BRImo. The regression coefficient value of financial literacy is 0.135 with a calculated t value of 2.002 > t table 1.98 and a Sig. 0.048 < 0.05. Perceived ease of use has a positive and significant effect on the decision to use BRImo. The regression coefficient value of perceived ease of use is 0.135 with a calculated t value of 2.682 > t table 1.98 and a Sig. 0.009 < 0.05. Perceived usefulness has a positive and significant effect on the decision to use BRImo. The regression coefficient value of perceived usefulness is 0.256 with a calculated t value of 3.380 > t table 1.98 and a Sig. 0.001 < 0.05. Trust has a positive and significant effect on the decision to use BRImo. The trust regression coefficient value is 0.293 with a calculated t value of 3.420 > t table 1.98 and a Sig value. 0.009 < 0.05.