Putri, Ajeng Winda Hasanah (2026) PENGARUH EFFORT EXPECTANCY DAN PERFORMANCE EXPECTANCY TERHADAP PERILAKU DIGITAL BANKING DENGAN SIKAP SEBAGAI VARIABEL MEDIASI PADA NASABAH MILENIAL DAN GENERASI Z DI KABUPATEN BANYUMAS (STUDI BERBASIS TEORI UTAUT). Thesis thesis, Universitas BPD.
![[img]](http://eprints.stiebankbpdjateng.ac.id/style/images/fileicons/text.png) |
Text
DAFTAR PUSTAKA.pdf Download (126kB) |
|
Text
Tesis_Ajeng Winda HP_2026.pdf Download (869kB) |
Abstract
This study investigates the influence of performance expectancy and effort expectancy on digital banking use behavior among Millennials and Gen Z in Banyumas Regency, exploring the mediating role of attitude. Utilizing the Unified Theory of Acceptance and Use of Technology (UTAUT), the research surveyed 400 respondents, employing Partial Least Squares Structural Equation Modeling (PLS-SEM). Findings indicate that both performance expectancy (β=0.377, p<0.001) and effort expectancy (β=0.283, p<0.001) significantly and positively influence digital banking use behavior. Furthermore, these expectancies also positively shape users' attitudes towards digital banking (PE: β=0.428, p<0.001; EE: β=0.277, p<0.001), which in turn significantly drives use behavior (β=0.242, p<0.001). Importantly, attitude acts as a significant partial mediator, amplifying the impact of both performance expectancy (β=0.104, p<0.001) and effort expectancy (β=0.067, p<0.001) on digital banking use behavior. The model explains 61.8% of the variance in digital banking use behavior, highlighting the crucial interplay between perceived benefits, ease of use, attitudes, and aktual use behavior. These results underscore the importance for financial institutions to focus on demonstrating tangible benefits and ensuring user-friendly interfaces to foster positive attitudes, ultimately enhancing digital banking uptake among younger demographics.
| Item Type: | Thesis (Thesis) |
|---|---|
| Additional Information: | Penelitian ini menganalisis pengaruh performance expectancy dan effort expectancy terhadap perilaku digital banking pada nasabah Milenial dan Generasi Z di Kabupaten Banyumas, dengan fokus pada peran mediasi sikap. Menggunakan teori Unified Theory of Acceptance and Use of Technology (UTAUT), studi ini mengumpulkan data dari 400 responden melalui kuesioner daring dan dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa performance expectancy (β=0,377, p<0,001) dan effort expectancy (β=0,283, p<0,001) berpengaruh positif dan signifikan terhadap Perilaku digital banking. Kedua ekspektasi tersebut juga secara positif membentuk sikap nasabah terhadap digital banking (PE: β=0,428, p<0,001; EE: β=0,277, p<0,001), yang selanjutnya secara signifikan mendorong Perilaku (β=0,242, p<0,001). Temuan krusial adalah sikap berperan sebagai mediator parsial yang signifikan, memperkuat dampak performance expectancy (β=0,104, p<0,001) dan effort expectancy (β=0,067, p<0,001) terhadap Perilaku digital banking. Model ini berhasil menjelaskan 61,8% varians dalam Perilaku digital banking, menggarisbawahi interaksi penting antara persepsi manfaat, kemudahan penggunaan, sikap, dan perilaku aktual. Implikasinya, institusi keuangan perlu memprioritaskan demonstrasi manfaat nyata dan antarmuka yang ramah pengguna untuk menumbuhkan sikap positif dan meningkatkan perilaku layanan perbankan digital di kalangan demografi muda. |
| Uncontrolled Keywords: | Perilaku Digital Banking, UTAUT, Performance Expectancy, Effort Expectancy, Sikap, Milenial, Generasi Z |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S2 |
| Date Deposited: | 29 Mar 2026 13:09 |
| Last Modified: | 29 Mar 2026 13:09 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/3173 |
Actions (login required)
 |
View Item |
