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The Influence of Knowledge, Trust, Perceived Usefulness, Security, and Service Features on Customers’ Adoption of Internet Banking Yolanda; Ronald Suryaputra; Widi Dewi Ruspitasari
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.1917

Abstract

This study aims to analyze the influence of knowledge, trust, perceived usefulness, security, and service features on customers’ decisions to use Internet Banking. The research employed a quantitative, associative research design to examine causal relationships among variables. Data were collected through questionnaires distributed to 120 bank customers who had previously used Internet Banking services. The data were analyzed using multiple linear regression supported by statistical software to examine both partial and simultaneous effects of the independent variables on customers’ decisions. The results show that knowledge, trust, perceived usefulness, security, and service features each have a positive and significant effect on customers’ decisions to use Internet Banking. Among these variables, perceived usefulness was found to be the most dominant factor influencing adoption decisions. The simultaneous test also indicates that all independent variables collectively have a significant effect on customers’ decisions to adopt Internet Banking services. These findings imply that improving customers’ understanding of digital banking, strengthening system security, building customer trust, and enhancing service features are essential strategies for increasing the adoption of Internet Banking services.
PENGARUH KUALITAS PELAYANAN, BIAYA PENDIDIKAN, DAN LOKASI TERHADAP KEPUTUSAN ORANG TUA MENYEKOLAHKAN ANAKNYA DI SD SSF KOTA TANGERANG Yolanda; Lussia Mariesti Andriany; Fathorrahman
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 4 (2026): August 2026 (1)
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i4.7097

Abstract

Competition between private and public schools in Indonesia has become increasingly intense following the government's implementation of free education policies in public schools through the School Operational Assistance (Bantuan Operasional Sekolah/BOS) and the Smart Indonesia Program (Kartu Indonesia Pintar/KIP). This condition requires private schools to enhance their competitiveness by improving service quality, offering competitive tuition fees, and ensuring strategic school locations to remain attractive to the community. This phenomenon has also been experienced by SD SSF, Tangerang, which has experienced a decline in student enrollment over the past several years. This study aims to examine and analyze the influence of service quality, education costs, and location on parents' decisions to enroll their children at SD SSF, Tangerang City. This study employed a quantitative approach using a survey method. The population consisted of all parents of students at SD SSF in the 2025/2026 academic year. The sampling technique used was probability sampling, with a total of 57 respondents. Data were collected using a Likert-scale questionnaire. Data analysis included data quality tests, classical assumption tests, multiple linear regression analysis, partial significance tests (t-test), simultaneous significance tests (F-test), and the coefficient of determination (R²).The results indicate that, partially, service quality has a positive and significant effect on parents' decisions to enroll their children, education costs have a positive and significant effect on parents' decisions to enroll their children, and location also has a positive and significant effect on parents' decisions to enroll their children. Simultaneously, service quality, education costs, and location have a positive and significant effect on parents' decisions to enroll their children at SD SSF, Tangerang City. These findings suggest that improving service quality, establishing appropriate education costs, and maintaining an easily accessible school location are important factors in increasing parents' decisions to choose SD SSF as their children's educational institution.