Pengaruh Kemudahan Transaksi dan Promosi Cashback Terhadap Minat Penggunaan Seabank pada Mahasiswa D4 Perbankan dan Keuangan Fakultas Vokasi Universitas Sumatera Utara

Abstract

Digital banks such as SeaBank have emerged as a form of innovation in the digitization of banking services offering practical services and attractive promotions, including cashback programs which are the main attraction among students. This study aims to determine the effect of ease of transactions and cashback promotions on interest in using SeaBank for D4 Banking and Finance students at the Faculty of Vocational, University of North Sumatra. This study uses quantitative approach by distributing questionnaires to 68 respondents. The data was analyzed using multiple linear regression. The t test results show that ease of transaction has a significant effect on interest in use with a significance value of 0.033, and cashback promotions have a more dominant influence with a significance value 0,000. The F test also shows a significant simultaneous effect with a significance value of 0.000, with a coefficient determination (R²) of 0.370, which means that the two variables explain 37% of the variation in interest in using SeaBank. These results indicate that ease of access and direct benefits from promotion are important factors in attracting students' interest in digital banking services.