Kontribusi Kemudahan, Literasi Keuangan, dan Persepsi Keamanan terhadap Keputusan Penggunaan BRImo Gen Z BRI Jepara

Novelina Dzakiroh, Linda Ayu Oktoriza

Sari


Riset berikut memiliki tujuan untuk menganalisis pengaruh kemudahan penggunaan, literasi keuangan, serta persepsi keamanan terhadap keputusan penggunaan aplikasi BRImo pada nasabah Generasi Z di Kabupaten Jepara. Riset berikut menerapkan pendekatan kuantitatif dan menggunakan metode survei serta teknik purposive sampling terhadap 100 informan berusia 17–27 tahun yang merupakan pengguna aktif BRImo. Data dihimpun menggunakan kuesioner daring serta dianalisis memakai metode Partial Least Squares–Structural Equation Modeling (PLS-SEM) menggunakan software SmartPLS versi 4.0. Temuan dari penelitian berikut membuktikan bahwasanya Kemudahan Penggunaan, Literasi Keuangan, serta Persepsi Keamanan berpengaruh positif dan signifikan terhadap Keputusan Penggunaan BRImo. Kemudahan Penggunaan mendorong Keputusan melalui kemudahan navigasi dan pengoperasian aplikasi, Literasi Keuangan meningkatkan Kepercayaan dalam memanfaatkan layanan perbankan digital, sedangkan Persepsi Keamanan memperkuat Keputusan Penggunaan melalui rasa aman dalam bertransaksi. Temuan ini mengindikasikan bahwa peningkatan kualitas antarmuka aplikasi, edukasi Literasi Keuangan Digital, serta penguatan sistem keamanan menjadi strategi penting bagi Bank BRI dalam meningkatkan adopsi BRImo di kalangan Generasi Z.

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DOI: https://doi.org/10.37531/mirai.v11i1.11719

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