CD Tesis

pengaruh perceived ease of use dan perceived usefullness terhadap kepercayaan dan niat kepemilikan kartu kredit bni di kota pekanbaru

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Is motivated by the declining realization of BNI credit card ownership despite the bank’s efforts in digitalization. At the same time, the increasing popularity of financial alternatives such as e-wallets and Buy Now Pay Later (BNPL) services has shifted consumer preferences away from traditional credit cards. Therefore, the study focuses on psychological and behavioral factors namely Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Trust that shape customers’ intention to own credit cards.
The population consists of public in Pekanbaru, while the sample comprised 310 respondents selected through purposive sampling, targeting individuals aged 21–65 years who had applied for or expressed interest in BNI credit cards. The study employed a quantitative research design with a Likert-scale questionnaire, and the data were analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach to test both direct and indirect causal relationships among variables.
The results indicate that both PEOU and PU significantly and positively influence Trust, meaning that when customers perceive the credit card as easy to use and useful, their trust in BNI as the issuing institution increases. Furthermore, PEOU and PU also significantly affect ownership intention, both directly and indirectly through Trust. Trust itself was found to have a strong direct effect on ownership intention while also acting as a mediator that strengthens the influence of PEOU and PU. This finding highlights that while ease of use and usefulness are crucial drivers, ownership intention will only be strongly formed if customers have high trust in the institution.
Theoretically, this study contributes to the extension of the Technology Acceptance Model (TAM) by incorporating Trust as a mediating variable, integrated with the Theory of Planned Behavior (TPB), in the specific context of credit card ownership in a developing city. Practically, the findings suggest that BNI should not only emphasize the usefulness and ease of its credit card services but also build customer trust through transparency, data security, and a solid institutional reputation to increase credit card ownership intention.
Key Words : Perceived Ease of Use, Perceived usefulness, Trust, Intention to Own, Credit Cards

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

2302248882

Penerbit

Pekanbaru : Universitas Riau – PASCA – Magister Manajemen., 2025

Deskripsi Fisik

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Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

2302248882

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

Magister Manajemen

Info Detail Spesifik

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Pernyataan Tanggungjawab

Rahmat

Versi lain/terkait

Lampiran Berkas

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