Pengaruh Kemudahan Penggunaan dan Kepercayaan Pengguna terhadap Minat Menggunakan Aplikasi Ajaib sebagai Sarana Investasi Online

Abstract

The rapid growth of fintech has made online investing increasingly popular due to easy, location-agnostic access. This study examines the factors driving interest in using the Ajaib application as an investment platform in the city of Medan. Its primary focus is the role of ease of use and user trust in shaping that interest. Theoretically, the study is grounded in the Technology Acceptance Model (TAM) and the trust literature, with ease of use (X₁) and trust (X₂) as independent variables, and intention to use (Y) as the dependent variable. The hypothesis states that both variables have a positive and significant effect, both partially and simultaneously. A quantitative survey was conducted among Ajaib users in Medan from August to October 2025. The minimum sample size was calculated using Cochran’s formula and set at 100 respondents through purposive sampling. Data were collected via a Likert-Scale questionnaire and analyzed using validity and reliability tests, classical assumption tests, and multiple linear regression with T-tests, an F-test, and the coefficient of determination. The results show that X₁ and X₂ have positive and significant effects on intention to use: coefficient for X₁ = 0.373 (t = 4.180; p < 0.001) and for X₂ = 0.449 (t = 4.112; p < 0.001). Simultaneously, the model is significant (F = 44.084; p < 0.05) with an adjusted R² = 0.465, indicating that 46.5% of the variance in intention to use is explained by X₁ and X₂. In conclusion, enhancing ease of use and strengthening trust are key strategies to promote adoption of Ajaib as an investment platform.