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Hammar, Yunus Tekad K.R
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Economics, Econometrics & Finance Social Sciences

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PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, KEPERCAYAAN DAN KEAMANAN, KENYAMANAN DAN AKSESIBILITAS, SERTA SOSIAL DAN TREN DIGITAL TERHADAP ADOPSI DIGITAL BANKING OLEH GENERASI MILENIAL DI KOTA MANOKWARI Iin Ulukyanan, Rosina; Lambi, Manuel; Hammar, Yunus Tekad K.R
JURNAL LENTERA BISNIS Vol. 15 No. 2 (2026): JURNAL LENTERA BISNIS, Mei 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i2.2262

Abstract

This study aims to analyze the effect of perceived ease of use, trust and security, convenience and accessibility, and social and digital trends on digital banking adoption among millennials in Manokwari City. The research employed a quantitative descriptive-associative method with multiple linear regression analysis. Data were collected from 150 millennial respondents with digital banking experience using purposive sampling through Likert-scale questionnaires. Results indicate that: (1) perceived ease of use has a positive and significant effect on digital banking adoption (β=0.312; t=4.872; sig=0.000); (2) trust and security has a positive and significant effect (β=0.287; t=4.231; sig=0.000); (3) convenience and accessibility has a positive and significant effect (β=0.198; t=2.876; sig=0.005); (4) social and digital trends has a positive and significant effect (β=0.143; t=2.184; sig=0.031). Simultaneously, all four variables significantly affect digital banking adoption (F=73.842; sig=0.000), with R²=0.672, meaning 67.2% of the variation in digital banking adoption is explained by these variables. Perceived ease of use is the most dominant variable. This research underscores the importance of improving interface usability, strengthening security systems, and enhancing digital literacy to promote broader digital banking adoption in West Papua.
PENGARUH IMPLEMENTASI APLIKASI KINERJA ASN DIGITAL TERHADAP PRODUKTIVITAS PEGAWAI DI DINAS PERUMAHAN RAKYAT, KAWASAN PEMUKIMAN DAN LINGKUNGAN HIDUP KABUPATEN PEGUNUNGAN ARFAK Krisdianty, Putri; Lambi, Manuel; Hammar, Yunus Tekad K.R
JURNAL LENTERA BISNIS Vol. 15 No. 2 (2026): JURNAL LENTERA BISNIS, Mei 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i2.2264

Abstract

This study aims to analyze the effect of digital ASN performance application usage on employee productivity at the Department of Public Housing, Settlement Area and Environment of Pegunungan Arfak Regency. The research method used a quantitative approach with simple linear regression analysis. Data were collected from 67 respondents using Total Sampling technique through Likert-scale questionnaires. The results show that digital ASN performance application usage has a positive and significant effect on employee productivity, with a regression coefficient of 0.673, t-value of 10.398 (t-table = 1.997), and significance of 0.000. The coefficient of determination (R²) of 0.624 indicates that 62.4% of the variation in employee productivity can be explained by digital performance application usage, while the remainder is influenced by other factors. Implications for policymakers include the need for improved digital literacy, continuous training, and strengthened technological infrastructure to ensure optimal implementation of digital performance applications and meaningful improvements in ASN productivity.
Co-Authors Iin Ulukyanan, Rosina Krisdianty, Putri Lambi, Manuel