Persepsi kegunaan dan kemudahan terhadap intensitas penggunaan mobile banking: Studi PT Bank Sulutgo Cabang Utama Manado
DOI:
https://doi.org/10.58784/mbkk.486Keywords:
mobile banking , perceived ease of use , perceived usefulness , technology acceptance model, usage intensityAbstract
This study aims to examine the effect of perceived usefulness and perceived ease of use on the intensity of Mobile Banking usage among customers of PT Bank Sulutgo Main Branch Manado, a regionally owned bank (BUMD) facing increasing pressure to digitalize its services. Grounded in the Technology Acceptance Model (TAM), the study employed a quantitative associative approach. Data were collected through Likert-scale questionnaires distributed to 383 respondents drawn from a population of 9,100 Mobile Banking users, with the sample size determined using the Slovin formula at a 5% margin of error. Data were analyzed using multiple linear regression with SPSS. The results show that, partially, perceived usefulness has a positive and significant effect on usage intensity (t = 10.616; p < 0.001), as does perceived ease of use (t = 7.413; p < 0.001). Simultaneously, both variables significantly affect usage intensity (F = 413.086; p < 0.001). The Adjusted R² of 0.683 indicates that perceived usefulness and perceived ease of use explain 68.3% of the variation in Mobile Banking usage intensity, while the remaining 31.7% is explained by other factors outside the model, such as security, trust, service quality, and perceived risk. These findings confirm that both cognitive-benefit and effort-related perceptions jointly drive digital-banking adoption behavior in a regional banking context.
Downloads
References
Abdennebi, H. Ben. (2023). M-banking adoption from the developing countries perspective: A mediated model. Digital Business, 3(2), 1-16. https://doi.org/10.1016/j.digbus.2023.100065
Antoni, G., & Lukman, H. (2024). Kemudahan penggunaan, manfaat, dan risiko terhadap penggunaan Mobile Banking. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 9(4), 3136- 3147. https://journal.um-surabaya.ac.id/Mas/article/view/24116
Aurora, M. D., Ramadhany, A. A., & Richmayati, M. (2025). Pengaruh persepsi kegunaan, kemudahan penggunaan dan keamanan terhadap tingkat transaksi nasabah menggunakan mobile banking PT Bank Negara Indonesia (Persero), Tbk wilayah Batam. Jurnal Ekonomi Kreatif Indonesia, 3(2), 87–104. https://doi.org/10.61896/jeki.v3i2.104
Budiastuti, D., & Bandur, A. (2018). Validitas dan reliabilitas penelitian. Mitra Wacana Media.
Chandra, D. S. (2024). Pengaruh sistem informasi pemasaran dan kualitas pelayanan terhadap kepuasan konsumen. Neraca: Jurnal Akuntansi dan Manajemen, 3(2), 11–18. https://doi.org/10.59086/jam.v3i2.489
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Kahea, S., Gamaliel, H., & Karamoy, H. (2023). Faktor yang mempengaruhi penggunaan produk digital Bank SulutGo dengan menggunakan model UTAUT2 (Unified Theory of Acceptance and Use of Technology 2). Jurnal Akuntansi Manado (JAIM), 4(2), 450–463. https://doi.org/10.53682/jaim.vi.5994
Kamalia, N. F. N. M., & Fazizah, A. (2025). Pengaruh perceived usefulness, perceived ease of use dan perceived risk terhadap continue intention to use melalui kepuasan pengguna aplikasi Mobile Banking BCA. Jurnal Ilmu Administrasi Bisnis, 14(3), 1006–1017. https://ejournal3.undip.ac.id/index.php/jiab/article/view/46620
Kamila, T. P., & Solekah, A. (2025). Determinan keputusan penggunaan layanan Mobile Banking bank syariah. Jurnal Riset Pendidikan Ekonomi, 10(1), 86–98. https://doi.org/10.21067/jrpe.v10i1.11605
Kusumawardani, T., & Saebani, A. (2025). Pengaruh fitur layanan, kemudahan, dan kepercayaan terhadap kepuasan pengguna sistem Mobile Banking (Studi pada Generasi Z). SOCIETIES: Journal of Social Sciences and Humanities, 5(1), 76-89. https://ojs.unm.ac.id/societies/article/view/74633/
Korompis, C. W. (2014). Dampak teknologi informasi dalam pengendalian internal untuk mengantisipasi kecenderungan kecurangan akuntansi. Jurnal Riset Akuntansi Going Concern, 9(4), 27-33. https://ejournal.unsrat.ac.id/v2/index.php/gc/article/view/6366
Machali, I. (2021). Metode penelitian kuantitatif: Panduan praktis merencanakan, melaksanakan, dan analisis dalam penelitian kuantitatif. Fakultas Ilmu Tarbiyah dan Keguruan UIN Sunan Kalijaga.
PT Bank Sulutgo. (2026). BSGtouch: Mobile Banking Bank Sulutgo untuk transaksi mudah dan aman tanpa ribet. https://www.banksulutgo.co.id
Pratama, D. (2026). Pengaruh Persepsi Manfaat, Kemudahan, dan Kepercayaan Terhadap Penggunaan Mobile Banking pada Nasabah Bank Syariah KC Jambi Patimura di Kota Jambi. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(1), 524-542. https://doi.org/10.30651/jms.v11i1.29908
Putri, E. N., & Sabaruddin, L. O. (2025). Perceived ease of use, perceived usefulness and perceived trust on behavior intention to use Mobile Banking. Amkop Management Accounting Review (AMAR), 5(2), 547–554. https://doi.org/10.37531/amar.v5i2.2362
Rahmadghani, T., Usman, O., & Aditya, S. (2024). Pengaruh persepsi kemudahan, persepsi manfaat, dan fitur layanan terhadap minat menggunakan aplikasi Mobile Banking. Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi, 2(9), 693–710. https://jurnal.kolibi.org/index.php/neraca/article/view/2469
Randa, N., & Syahra, Y. (2025). Analisis kepuasan pengguna Mobile Banking Danamon menggunakan metode Technology Acceptance Model (TAM). Jurnal Sains, Teknologi & Komputer, 2(2), 54–64. https://jurnal.larisma.or.id/index.php/SAINTEK/article/view/1260
Ru-Zhue, J., Rakangthong, N. K., Kim, L., Nupueng, S., & Issayeva, G. (2025). Electronic banking ease of use, usefulness, value, and innovation influencing customer satisfaction. International Journal of Asian Business and Information Management, 16(1), 1–18. https://doi.org/10.4018/IJABIM.370562
Siregar, T.S., Nasution, H.F., & Ratna. (2024). Menentukan intensitas mahasiswa dalam menggunakan Mobile Banking dengan pendekatan Technology Acceptance Model (TAM). Jurnal Perbankan Syariah, 5(2), 282–3. https://doi.org/10.24952/jsb.v5i2.13961
Sugiharto, I., Faradila, S. T., Alonso, F. A., Beriandi., & Jayanti, W. E. (2026). Pengaruh keamanan dan kepercayaan terhadap niat menggunakan Mobile Banking: Studi empiris pada generasi digital di Kota Pontianak. Jurnal Ilmu Komputer dan Rekayasa Informatika, 5(1), 107–117. https://doi.org/10.55537/cosie.v5i1.1488
Sugiyono. (2023). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Manajemen Bisnis dan Keuangan Korporat
This work is licensed under a Creative Commons Attribution 4.0 International License.
Under this license then authors free to:
- Share - copy and redistribute the material in any medium or format.
- Adapt - remix, transform, and build upon the material for any purpose, even commercially.
The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
- Attribution - You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
- No additional restrictions - You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
- You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation.
- No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
