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Firda Khairani
Universitas Pertamina

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HOW BRAND REPUTATION, FEATURES, AND EASE SHAPE INTENTION TO USE myBCA Firda Khairani; Fiska Kusumawati
Jurnal Manajemen dan Bisnis Performa Vol. 22 No.2 (2025)
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v22i2.7879

Abstract

In Indonesia, digital banking usage continues to accelerate, with myBCA recording 6.9 billion successful transactions in 2024, up 128 % year-on-year. This competition intensifies pressure to tailor digital offerings to Gen Z preferences. This study aims to determine the influence of brand reputation, service features, and ease of use on Generation Z’s intention to use the myBCA application in DKI Jakarta. A quantitative descriptive method with purposive sampling was employed; online questionnaires were answered by 100 respondents and processed using SPSS version 23 for statistical analysis. Results show that brand reputation, service features, and ease of use each have a positive and significant effect on intention to use, partially and collectively. Collectively, these factors explain 67.7 % of the variance in intention to use. These insights imply that BCA should strengthen its digital brand image, streamline and integrate key features to match Gen Z needs, and optimize the user interface to sustain engagement, guide further interface refinements, and secure competitive advantage in digital banking.
Co-Authors Fiska Kusumawati