THE INFLUENCE OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, PERCEIVED TRUST, AND PERCEIVED CONVENIENCE ON THE INTENTION TO USE INTERNET BANKING

Abstract

This study aims to analyze the influence of perceived usefulness, perceived ease of use, perceived trust, and perceived convenience on the interest in using internet banking among students of STIE Satria Purwokerto in Purwokerto. This research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to students who use internet banking services. The sampling technique used was purposive sampling, with a total of 56 student respondents. Data analysis was conducted using multiple linear regression. The results of the study indicate that perceived usefulness, perceived ease of use, perceived trust, and perceived convenience positively influence the interest in using internet banking. Among these variables, perceived ease of use has the most dominant influence on the interest in using internet banking. Simultaneously, all independent variables significantly affect the interest in using internet banking. This study implies that banks need to improve transaction security, system usability, and the convenience of digital services in order to increase students’ interest in using internet banking.