Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Journal of Economic, Bussines and Accounting (COSTING)
Arrita, Rini
Unknown Affiliation
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
THE EFFECT OF PERCEIVED EASE OF USE AND PERCEIVED USEFULNESS ON TRUST AND INTENTION TO OWN A BNI CREDIT CARD IN PEKANBARU CITY Arrita, Rini; Zulkarnain; Garnasih, Raden Lestari
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 4 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/tsw43283

Abstract

This study aims to analyze the influence of Perceived Ease of Use, Perceived Usefulness, and Trust on the intention to own a BNI credit card in Pekanbaru City. The background of this study is based on the declining trend in the number of applications and approval rates for BNI credit cards from 2020 to 2024, amidst intense competition from other digital financial products such as e-wallets and Buy Now Pay Later (BNPL). This research methodology uses a quantitative approach with an AMOS-based Structural Equation Modeling (SEM) model, which integrates the Technology Acceptance Model (TAM), the Theory of Planned Behavior (TPB), and Trust theory. Data were obtained through questionnaires distributed to the target population. The results show that Perceived Ease of Use and Perceived Usefulness significantly and positively influence the intention to own a BNI credit card. However, the key finding of this study is the strong mediating role of the Trust variable. This means that even though potential customers experience the convenience and benefits of credit card products, their decision to purchase one depends heavily on their level of trust in Bank BNI. Factors such as information transparency, data security, and process clarity are crucial in building and maintaining this trust.
Co-Authors Raden Lestari Garnasih Zulkarnain