Kepercayaan Sebagai Mediasi Pengaruh Persepsi Kegunaan Dan Kemudahan Terhadap Minat Penggunaan Byond By BSI: Studi Pada Mahasiswa UNHASY

Indah Raissa Qur’ani (Universitas Hasyim Asy'ari)
Kusnul Ciptanila Yuni Kusuma (Universitas Hasyim Asy’ari)
Imam Sopingi (Universitas Hasyim Asy'ari)
Peni Haryanti (Universitas Hasyim Asy'ari)

Jurnal Ekonomi Syariah Pelita Bangsa
Vol. 11 No. 02 (2026): JESPB Edisi Oktober 2026

This study aims to analyze the influence of perceived usefulness and ease of use on the intention to use Byond by BSI, with trust as a mediating variable. A total of 97 students were selected as respondents using a purposive sampling technique. The research approach is quantitative with a causal associative design. Data were collected through questionnaires and analyzed using the PLS-SEM method, with evaluation of the outer and inner models including direct and indirect effects, as well as the coefficient of determination (R²). The results show that ease of use has a significant effect on trust and intention to use, while perceived usefulness has no significant effect on interest. Trust has a significant effect on interest and is able to mediate the effect of ease of use, but does not mediate the effect of perceived usefulness on interest. Meanwhile, perceived usefulness needs to be strengthened by increasing understanding of the service's benefits.