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Journal : Economic Reviews Journal

Pengaruh Perpsepsi Kegunaan dan Persepsi Kemudahan Terhadap Kepuasan Pengguna Aplikasi MYBCA Dengan Kepercayaan Pengguna Sebagai Variabel Intervening Dilla Nanda Putri, I Gusti Ayu; Purnama Dewi, Putu
Economic Reviews Journal Vol. 4 No. 4 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i4.985

Abstract

This study aims to analyze the influence of perceived usefulness and perceived ease of use on user satisfaction of the MyBCA application, with user trust as an intervening variable. The research was conducted in Denpasar City, which has the highest number of mobile banking users in Bali. A quantitative approach was employed using a sample of 190 MyBCA users selected through multivariate sampling rules. Data were collected using a Likert-scale questionnaire and analyzed through Partial Least Squares (PLS) using SmartPLS 4.0. The results indicate that both perceived usefulness and perceived ease of use significantly affect user satisfaction and trust. User trust also shows a significant direct effect on satisfaction. Mediation testing further confirms that trust partially mediates the influence of perceived usefulness and perceived ease of use on satisfaction, emphasizing the importance of system reliability and security in strengthening user experience. These findings highlight that users value applications that are beneficial, easy to operate, and trustworthy. The study concludes that enhancing functionality, usability, system stability, and security features is essential for improving satisfaction and sustaining continued use of MyBCA.
Co-Authors A.A Thisna Ari Murti Adie Wahyudi Oktavia Gama Anak Agung Ngurah Eddy Supriyadinata Gorda Anggit Septio Budi Ayu Rahmaditha Apsari Cahya Sri Andini, Ni Kadek Dwi Cecilia Da Conceicao Lemos Chanco Mendonca Do Rego Christiany, Valencia Elisabeth Dilla Nanda Putri, I Gusti Ayu Gede Humaswara Prathama Gine Das Prena Gusi Putu Lestara Permana Gusti Ayu Tirtayani, I Helfrida Lila Man I Dewa Gede Baswarasasika I Gede Agus Widiarnata I Gst. Ayu Wirati Adriati I Gusti Ayu Agung Omika Dewi I Gusti Ayu Eka Wulandari I Gusti Ayu Emi Eka Yanti I Gusti Ngurah Darma Paramartha I Gusti Ngurah Putra Sudhiksa I Kadek Sudiarta I Ketut Surya Aristya Atmaja I Komang Agus Trisna Adi Prayoga I Made Sindhu Yoga I Made Sudiksa I Nengah Wirsa I Putu Dharmawan Pradhana I Putu Dharmawan Pradhana, I Putu Dharmawan Pradhana I Putu Edward Narayana I Wayan Ramantha Ida Ayu Pradnya Sasmita Ida Bagus Gede Okta Wismajaya Kadek Adyatna Wedananta Kadek Ayu Kreistya Dewi Ketut Tanti Kustina Komang Bagus Lanang Prabawa Komang Widhya Sedana Putra P Kwok, Julian Johanna Laksmi Aridewi, Putu Leni Setia Ningsih Maria Yunita Apriyati Martauli Rezki Munthe Mira Delviyani, Ni Putu Ngakan Nyoman Kutha Krisnawijaya Ni Kadek Inten Diana Sari Ni Ketut Arniti, Ni Ketut Arniti Ni Ketut Rasmini Ni Luh Putu Asriani Ni Made Kintan Widyaswari Ni Made Sukanadi Ni Putu Ananda Putri Ayu Ningrat Permata Dewi Ni Putu Ayu Dea Novi Yanti Ni Putu Eni Suwantari Ni Putu Lia Deniawati Ni Putu Pradnya Sugiantari Putri Ni Putu Suryawati Noer Fitriyah Putu Agus Satria Putu Dian Puspita Rani Putu Irma Yunita Putu Wahyu Inspirawan Sarah Wulan Ramadhanti Stefan Winata, Charles Suputra, Komang Yudi Tiffany Tanudijaya Wardani Wardani