Pengaruh Persepsi Kemudahan dan Persepsi Kegunaan terhadap Penggunaan Mobile Banking Studi pada Mahasiswa D3 Keuangan Fakultas Vokasi

Abstract

Mobile banking is one of the digital innovations in the banking sector designed to simplify financial activities. However, its utilization among university students remains relatively low. This study aims to determine the influence of perceived ease of use and perceived usefulness on mobile banking usage among Diploma III Finance students at the Vocational Faculty, Universitas Sumatera Utara. This research uses a quantitative approach involving 65 student respondents. Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, and hypothesis testing. The results show that perceived usefulness has a significant influence on mobile banking usage, while perceived ease of use does not have a significant effect. The adjusted R Square value of 43.1% indicates that both independent variables explain a portion of the variation in mobile banking usage. These findings highlight the importance of perceived usefulness in encouraging students to adopt and use digital banking services actively.