The Influence of Perceptions of Usefulness and Lifestyle of Digital Saving Customers on Decisions to Use Mobile Banking Bank XYZ

Abstract

With the Covid-19 pandemic, the trend has changed to a digital basis, so banking customers have now started to switch to making transactions using mobile banking. Bank XYZ internal report data in 2021 at Bank XYZ KCP ABC on digital savings users, only 60.86% were connected to the mobile banking application for financial transactions. This is far from the national average of 95%. So it is necessary to conduct research regarding the influence of digital savings customers' perceived usefulness and lifestyle on the decision to use Bank XYZ's mobile banking. This research aims to analyze the perceived usefulness and lifestyle of digital saving customers towards attitude, perceived usefulness and lifestyle of digital saving customers towards search, perceived usefulness and lifestyle of digital saving customers towards action, perceived usefulness and lifestyle of digital saving customers towards share in usage Bank XYZ mobile banking. This research method uses SEM Lisrel with a sample of 195 respondents. The research results show that the perceived usefulness and lifestyle of digital saving have a positive effect on attitude and search, the perceived usefulness of digital saving has a positive effect on action but lifestyle has no effect. Attitude influences search, action and share. Search influences actions and shares, and actions influence shares. Keywords: Perceived Usefulness, Lifestyle, Digital Saving, Mobile Banking