ANALYSIS OF INTEREST IN USING BLU DEPOSIT BASED ON TAM
Abstract
Abstract: Digital banking has brought various innovations in financial services, one of which is Blu Deposito by BCA Digital. However, the adoption rate of digital deposit services is still relatively low compared to digital payment services. This study aims to identify and analyze the factors that influence customers' intentions and actual behavior in using Blu Deposito with reference to the Technology Acceptance Model (TAM). This study aims to analyze the factors that influence customers' intentions and actual behavior in adopting Blu Deposito using the Technology Acceptance Model (TAM) framework. Data was collected through a Google Form questionnaire from 54 customers at one BCA branch and analyzed using SPSS through validity and reliability tests, descriptive analysis, and multiple regression. The results show that Behavioral Intention (BI)is significantly influenced by Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Attitude Toward Using (ATU), with PEOU as the most dominant factor. In addition, BI has a significant effect on Actual System Use (AU), which confirms the relevance of applying the TAM model in the context of digital deposit products. These findings indicate that ease of use plays a greater role than financial benefits in encouraging users to adopt Blu Deposits. This study contributes to the understanding of digital deposit adoption and provides managerial insights to improve the usability and user engagement of digital banking services.
Keywords: actual system use; attitude toward using; behavioral intention; perceived ease of use; perceived usefulness; technology acceptance model
Abstrak: Perbankan digital telah menghadirkan berbagai inovasi dalam layanan keuangan, salah satunya Blu Deposito oleh BCA Digital. Meskipun demikian, tingkat adopsi terhadap layanan deposito digital masih relatif rendah dibandingkan dengan layanan pembayaran digital. Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis faktor-faktor yang memengaruhi niat serta perilaku aktual nasabah dalam menggunakan Blu Deposito dengan mengacu pada kerangka Technology Acceptance Model (TAM). Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi niat dan perilaku aktual nasabah dalam mengadopsi Blu Deposito dengan menggunakan kerangka Technology Acceptance Model (TAM). Data dikumpulkan melalui kuesioner Google Form dari 54 nasabah di satu cabang BCA dan dianalisis menggunakan SPSS melalui uji validitas, reliabilitas, analisis deskriptif, dan regresi berganda. Hasil penelitian menunjukkan bahwa Behavioral Intention (BI) dipengaruhi secara signifikan oleh Perceived Ease of Use (PEOU), Perceived Usefulness (PU), dan Attitude Toward Using (ATU), dengan PEOU sebagai faktor paling dominan. Selain itu, BI berpengaruh signifikan terhadap Actual System Use (AU), yang menegaskan relevansi penerapan model TAM pada konteks produk deposito digital. Temuan ini menunjukkan bahwa kemudahan penggunaan memiliki peran lebih besar dibandingkan manfaat finansial dalam mendorong pengguna untuk mengadopsi Blu Deposito. Penelitian ini berkontribusi terhadap pemahaman adopsi deposito digital serta memberikan wawasan manajerial untuk meningkatkan kegunaan dan keterlibatan pengguna pada layanan perbankan digital.
Kata kunci: actual system use; attitude toward using; behavioral intention; perceived ease of use; perceived usefulness; technology acceptance model
References
A. A. J. S, “Analisis faktor-faktor yang mempengaruhi intensi penggunaan Blu: dengan perspektif Technology Ac-ceptance Model dan Theory of Planned Behavior,” Un-dergrate Thesis, Universitas Gadjah Mada, Yogyakarta, 2022. [Online]. Available: http://etd.rep osito-ry.ugm.ac.id/pene litian/detail/209132
A. T. B, T. Bustomi, and M. I. Sa’ad, “Analisis Kepuasan Maha-siswa Stmik Widya Cipta Dharma Terhadap Aplikasi Welearn Menggunakan Metode TAM,” vol. 28, no. 2, pp. 1–12, 2024.
S. I. Soeng, “Analisis Faktor-Faktor Yang Mempenga Ruhi Gen Z Ter-hadap Penggunaan Aplikasi Blu By BCA,” Univ. Multimed. Nusant., vol. 1, no. 1, pp. 1–15, 2023.
A. Siswoyo and B. S. Irianto, “Ana-lisis Technology Acceptance Model (TAM) Terhadap Pengguna Aplikasi Mobile Banking,” Owner, vol. 7, no. 2, pp. 1196–1205, Apr. 2023, doi: 10.33395/owner.v7i 2.1440.
M. S. Ahmad and N. H. Ghazali, “Digital banking adoption: An inte-gration of technology readiness and technology acceptance model,” Int. J. Bank Mark., vol. 41, no. 5, pp. 987–1008, 2023, doi: 10.1108/IJBM-08-2022-0376.
M. Rifaldi, H. Pratiwi, and Yunita, “Analisis Penerapan Dan Pemanfaa-tan Metode Technology Acceptance Model Aplikasi E-SKPT Pada Dinas Pertanahan Dan Penataan Ruang Kutai Kartanegara,” vol. 28, no. 2, 2024.
F. Boateng and K. Kosiba, “Examin-ing the continuance intention of mo-bile banking usage: The role of per-ceived risk and trust,” Technol. Soc., vol. 68, 2022, doi: 10.1016/j.techsoc.2022.101844.
B. Chandra and C. Cokki, “Analisis keputusan penggunaan aplikasi Blu by BCA digital,” J. Manaj. Bisnis Dan Kewirausahaan, vol. 7, no. 3, pp. 636–649, May 2023, doi: 10.24912/jmbk.v7i3.23875.
I. S, “Adopsi layanan digital bank-ing dengan menggunakan Technolo-gy Acceptance Model (TAM) pada Blu by BCA,” Universitas Pelita Harapan, Tangerang, 2022. [Online]. Available: http://repository.uph. edu/id/eprint/51882
S. R. Wicaksono, “Teori Dasar Technology Acceptance Model,” Dec. 02, 2022, Zenodo. doi: 10.5281/ZENODO.7754254.
F. D. Davis, “Perceived usefulness, perceived ease of use, and user ac-ceptance of information technolo-gy,” MIS Q., vol. 13, no. 3, pp. 319–340.
X. Liu, “Multivariate Linear Regres-sion Method Based on SPSS Analy-sis of the Influencing Factors of Ur-ban Residents’ Exhibition Support,” in Proceedings of the 2022 Interna-tional Conference on Bigdata Blockchain and Economy Manage-ment (ICBBEM 2022), vol. 5, D. Qiu, Y. Jiao, and W. Yeoh, Eds., in Atlantis Highlights in Intelligent Systems, vol. 5. , Dordrecht: Atlan-tis Press Internati onal BV, 2023, pp. 389–399. doi: 10.2991/978-94-6463-030-5_41.
Ahmad Amirul Aufa Ahmad Shakir and Noraziah Adzhar, “Incorporat-ing Multiple Linear Regression in Analysing Factors Influencing Con-sumers Purchase Intention for Online Shopping in Malaysia,” J. Adv. Res. Appl. Sci. Eng. Technol., vol. 47, no. 1, pp. 257–267, June 2024, doi: 10.37934/araset.47.1.257267.
S. R. Ramadhan, A. Yusnita, and M. I. Sa’ad, “Analisis Penerimaan Pengguna Terhadap Penerapan Sis-tem Layanan Kpst Pada Stmik Widya Cipta Dharma Menggunakan Metode Technology Acceptance Model”.
S. S. Alalwan, Y. K. Dwivedi, and N. P. Rana, “Digital banking adop-tion: A systematic review of the lit-erature,” Telemat. Inform., vol. 60, 2021, doi: 10.1016/j.tele.2021.101563.
R. H. Rahim, A. Xavier, and F. D. Ahmad, “Investigating the role of trust and perceived risk in digital banking adoption: Extension of TAM,” Comput. Hum. Behav., vol. 146, 2024, doi: 10.1016/j.chb.2023.107784.
A. Xavier, R. H. Rahim, and F. D. Ahmad, “Investigating the role of trust and perceived risk in digital banking adoption: Extension of TAM,” Comput. Hum. Behav., vol. 146, 2024, doi: 10.1016/j.chb.2023.107784.
“Panduan Tugas Akhir Non Skripsi 2024.”
