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Haninun
Universitas Bandar Lampung
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Pengaruh Kemudahan Penggunaan dan Kepercayaan Terhadap Minat Menggunakan Layanan M2U pada Generasi Z di Bandar Lampung Edward Edward; Yusuf Sulfrano Barusman; Haninun Haninun
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11784

Abstract

The development of digital banking in Indonesia has shown significant growth; however, the adoption rate of Maybank Indonesia’s M2U service among Generation Z in Bandar Lampung remains suboptimal. This study aims to analyze the effect of perceived ease of use and trust on the intention to use the M2U service among Generation Z in Bandar Lampung. The research employed a quantitative approach with a causal associative design. The population consisted of 4,600 Generation Z users of the M2U application at KCI Bandar Lampung, with a sample of 98 respondents determined using the Slovin formula. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression. The results indicate that perceived ease of use has a positive and significant effect on the intention to use the M2U service. Trust also has a positive and significant effect on the intention to use the service. Simultaneously, perceived ease of use and trust significantly influence Generation Z’s intention to use M2U in Bandar Lampung. The study concludes that improving application usability and strengthening security and user trust are key factors in increasing Generation Z’s intention to adopt M2U digital banking services.
Co-Authors . Henny . Khomsiyah Achmad Subing Aditya, Putu Ferlly admin admin, admin Afrizal Nilwan Agah Rahadiawan Agira, Fajar Chema Agus Purnomo AMINAH Aminah Aminah Aminah, Aminah Andala Rama Putra Barusman Anggraini Saputri Angrita Denziana Appin Purisky Redaputri Ardianto, Hendri Arya Febru Asih Pratiwi Astari, Arda Fatma Aulia Rahmawati Bonar Habib Purba Budhi Waskito Calestine, Salsa Claudia, Melia Daniel Daniel Defrizal Deri Sis Nanda Dewi Karlina Dhea Suci Wulandari Dian Murniati Diki Zachariah Dinda Marisha Djuanda Edward Edward Enita Subiyanti Ersan, Reza Erwin Octavianto Erwin Octavianto, Erwin Feby Angelina Graisman.P, Naufal Habibburrahman Habibburrahman Habiburahman Habiburahman Habiburahman Habiburahman, Habiburahman Habiburrahman Habiburrahman HABIBURRAHMAN Hakim, Lukmanul Handayani, Yofa Hani Putri Monalika Helen Hendra, Aldi Alma Hendri Dunan Hepiana Patmarina Herry Goenawan Soedarsa Hesni Widi Astuti Hesti Widi Astuti HM. Aslam Salim Ika Wahyu Siswanti Imanuriea Annisa Putri Indradewa, Rhian Indrayenti Indrayenti Jennie Vania Julio Cheppy Maulidi Karwono Karwono Khairudin Khairudin Khairudin Khairudin Khairudin Komalasari, Agrianti Lie Nelly Linda Warina Septiyenti Lindrianasari Lourent, Angelica Luke Suciyati Amna M Oktavianur M Sandy Kurniawan M. Yusuf Sulfarano Barusman Marcell Gilbert Immanuel MARDIAH KENAMON Maristiana Ayu Mauli Luzia Eka Safitri Mega, Fredy Ziekrian Meri Astuti Meutia Yurisca Mustofa Usman Ni Putu Widhia Rahayu Nia Fitri Sari NUR ANDAYANI Nurdiawansyah Nurdiawansyah Nurvinka Renata Panji Adi Laksana Puspita Sari, Amelia Puspita, Happy Putri Cagora Nisa Rada Ameka Rahel Raneta Sirait Ramadhan, Daru Renaldy Septianto Resna, Era Riswan Riswan Riza Muhida Rosmiati Rosmiati Rosmiaty Tarmizi Savery, Yustina Indi Selfia Alke Mega, Selfia Alke Sherly Wibowo Sinthya Santoso5 Siti Fauziah Soewito Susi Sarumpaet Syamsu Rizal Syamsurizal Syamsurizal Tamara, Tasya Tia Tara Lusiana Mahdi Pratiwi Theresia Aprilliani Thomas Jordan Tina Miniawati Barusman Tommy Tommy Tri Damayanti, Tri Tri Lestira Putri Warganegara Vera Susanti Vian Deka Ratama Viantiaraini, Angelie William Cipta Wijaya Yanuarius Yanu Dharmawan Yeti Salviyana YETTY DWI WINAWUNG Yoenny Oktavia Tangidy Yusda, Desi Derina Yusuf Sulfrano Barusman