THE EFFECT OF EASE OF USE, PERCEIVED BENEFITS, AND RISK ON INTEREST IN USING MOBILE BANKING

Abstract

The main purpose of this study is to determine the ease of use, perceived benefits, and risks of interest in using mobile banking. This research was conducted in 2023 focusing on people who use mobile banking in the Sei Beduk sub-district. This research uses a quantitative descriptive research design. This type of research is quantitative research. Where the data collection techniques are primary and secondary data. Data collection obtained is by using a questionnaire. The sample in this study amounted to 399 people. The analysis used is multiple linear regression analysis with the help of SPSS version 29. Several stages of testing carried out consist of validity, reliability, classical assumption test, T-test, F test, and coefficient of determination test. Based on the results of the F (simultaneous) test, the calculated F value is 45.262> F table 2.62 and a significant value of 0.001 <0.05 is obtained. So it can be concluded that the variables of ease of use (X1), perceived benefits (X2), and risk (X3) together have a significant influence on interest in using mobile banking (Y). These three variables have an influence of 25% on the interest in using mobile banking transactions. The remaining 75% is influenced by other factors not examined in this study. This study concludes that the higher the level of convenience and benefits felt by mobile banking users, as well as a decrease in risk when transacting using mobile banking that public interest in using mobile banking also increases.