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All Journal Indonesian Journal of Economy, Business, Entrepreneuship and Finance (IJEBEF)
Ragasiwi, Diah Ayu
Unknown Affiliation
Economics, Econometrics & Finance

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DETERMINASI NIAT MENGGUNAKAN MOBILE INVESTMENT PADA GENERASI Z DI JABODETABEK Ragasiwi, Diah Ayu; Sadat, Andi Muhammad; Monoarfa, Terrylina Arvinta
Indonesian Journal of Economy, Business, Entrepreneuship and Finance Vol. 5 No. 2 (2025): Indonesian Journal of Economy, Business, Entrepreneuship and Finance
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijebef.v5i2.264

Abstract

The digital transformation in the financial sector has significantly driven the growth of digital investment application usage in Indonesia. This study aims to analyze the influence of perceived usefulness, perceived ease of use, and perceived risk on users’ intention to use digital investment applications, with a case study of Bibit users in the Greater Jakarta area (Jabodetabek). A quantitative approach was employed by distributing questionnaires to 272 respondents, and the data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results reveal that both perceived usefulness and perceived ease of use have a significant positive effect on intention to use, while perceived risk has a significant negative effect. These findings highlight the importance of developing user-friendly and beneficial features, as well as managing perceived risk, to encourage the intention to use digital investment applications, particularly among younger generations.
Co-Authors Monoarfa, Terrylina Arvinta Sadat, Andi Muhammad