Analisis Tingkat Kepercayaan Mahasiswa Terhadap SeaBank Sebagai Alternatif Bank Digital: Studi Kasus Mahasiswa D3 Keuangan

Abstract

The rapid development of technology has encouraged the presence of digital banks as a practical financial service solution. SeaBank, as one of the digital banks in Indonesia, attracts the attention of young people, especially students. This study aims to analyze the level of trust of D3 Finance students at the University of North Sumatra towards SeaBank and identify the factors that affect it, namely competence, integrity, consistency, and transparency. This study uses a quantitative method with a total sample of 58 students obtained data collected using an online questionnaire. The analysis was carried out through validity, reliability, multiple linear regression, and cluster analysis (K-Means). The results showed that the four factors simultaneously had a significant effect on the level of student trust in SeaBank (significance value < 0.05). Most respondents were in clusters with a high level of trust, influenced by the ease of application, information disclosure, and institutional reputation. In conclusion, SeaBank has succeeded in building trust among D3 Finance students.