Determinant of Interest in Using Financial Technology Applications

Abstract

Objectives: The aim of study was to analyze the impact of perceived usefulness, perceived ease of use, and service quality on individuals' inclination to utilize the DANA financial technology application. Furthermore, the variable exerting the most dominant influence on the intention to use the DANA financial technology application was investigated. Methods: The data used were exclusively drawn from administration of a questionnaire on 100 respondents. Non-probability and purposive sampling techniques were also employed. Data analysis included validity testing, reliability assessment, classic assumption verification, F-tests, t-tests, and the calculation of the coefficient of determination and multiple linear regression. Results: The results showed that all the independent variables analyzed, namely perceived usefulness, perceived ease of use and service quality, have a significant effect on interest in using financial technology applications. Conclusion: From these results, we suggest that the manager of DANA Financial Technology be more careful in implementing policies to increase interest in using the application so that the ease and comfort that users already feel can be maintained.