Pengaruh Kemudahan Penggunaan dan Persepsi Keamanan terhadap Minat Penggunaan Berulang Transaksi Livin (Studi pada Masyarakat Kota Medan)

Abstract

Livin by Mandiri is one of the financial transaction services that is currently developing. Livin by Mandiri financial transaction services are currently experiencing significant development. With so many mobile banking offering attractive services, consumers need to consider reusing these services, taking into account factors such as ease of use and perceived security." This study aims to determine the effect of ease of use and perceived security on interest in repeat use. The effect of ease of use, perceived security and interest in repeat use will be analysed partially and simultaneously on usage decisions for livin by Mandiri mobile banking users in Medan City. The form of research used is quantitative with an associative approach. The population in this study were people who used livin by andiri mobile banking in Medan City, with a sample of 96 respondents, with the sampling technique using purposive sampling. Primary data obtained through direct distribution of questionnaires and secondary data obtained through literature studies. The analysis method used is validity test, reliability test, classical assumption test, multiple linear regression, partial test, simultaneous test, and determination test and processed through SPSS software. The results of this study indicate that the ease of use variable has a positive and significant effect on the interest in repeated use variable, the tcount value is 4.706> 1.985 with a sig value of 0.000> 0.05 and a positive regression coefficient value of 0.396. The perceived security variable has a positive and significant effect on the interest in repeated use variable, the tcount value is 1.955> 1.985 with a significance of 0.049 <0.05 and a positive regression coefficient value of 0.218. In simultaneous testing, the variables of ease of use, perceived security and interest in repeated use had a simultaneous effect with an influence level of 0.346, while the remaining 65.4% was influenced by factors outside this research model.