Pengaruh Perceived Ease Of Use, Perceived Security, Perceived Risk dan Trust Terhadap Minat Penggunaan Aplikasi Pospay

Perusahaan BUMN di Indonesia yaitu PT Pos Indonesia mengembangkan produk inovatif berupa terobosan baru layanan keuangan digital bernama Pospay. Namun dalam penggunaannya ada beberapa faktor yang menjadi pertimbangan pengguna sebelum memakai Pospay yakni perceived ease of use, perceived security, perceived risk dan trust. Oleh karena itu, penelitian ini bertujuan untuk mengidentifikasi apakah persepsi kemudahan, persepsi keamanan, persepsi risiko dan kepercayaan mempunyai pengaruh pada minat menggunakan Pospay dan seberapa besar pengaruh yang diberikan. Metode penelitian yang digunakan adalah kuantitatif dimana peneliti menggunakan 41.596 pengguna aplikasi Pospay di Kota Surabaya sebagai populasi dan mengambil 400 responden sebagai sampel dengan perhitungan rumus slovin. Peneliti memilih metode purposive sampling dengan kriteria usia produktif yaitu 17 tahun keatas, pernah menggunakan aplikasi Pospay dan berada pada Kantor Pos Pusat Surabaya Kebonrojo saat penelitian berlangsung. Data penelitian kemudian dianalisis menggunakan SPSS versi 25.0 dengan teknik analisis regresi berganda. Hasil penelitian menunjukkan bahwa terdapat pengaruh pada masing-masing variabel dan juga secara simultan yakni pada variabel perceived ease of use, perceived security, perceived risk dan trust terhadap minat penggunaan aplikasi Pospay. Kesimpulan tersebut disebabkan karena hasil uji parsial dan simultan yang signifikan pada data penelitian. Namun, pada variabel perceived risk, peneliti menemukan adanya pengaruh positif bukan negatif seperti pada H3 penelitian. Selain itu, pengaruh yang diberikan perceived ease of use, perceived security, perceived risk dan trust terhadap minat penggunaan aplikasi Pospay pada responden penelitian ini sebesar 41.5% sedangkan sisanya sebesar disebabkan oleh berbagai faktor diluar penelitian. Kata Kunci: Minat Penggunaan; Perceived Ease Of Use; Perceived Risk; Perceived Security; Trust Abstract A state-owned enterprise in Indonesia (BUMN), PT Pos Indonesia, has developed an innovative product in the shape of a new breakthrough digital banking service called Pospay. However, before using Pospay, users consider several factors, including perceived ease of use, perceived security, perceived risk, and trust. Therefore, the purpose of this study is to determine whether and how much-perceived ease of use, perceived security, perceived risk, and trust influence the decision on intention to use. The research method used is quantitative, with researchers using 41,596 Pospay app users in Surabaya as a population and 400 respondents as a sample using Slovin's formula. The researcher used a purposive sampling method with productive age criteria of 17 years and above who had used the Pospay application and were present at the Surabaya Kebonrojo Central Post Office at the time the study was conducted. The research data were then analyzed using SPSS version 25.0 with multiple regression analysis techniques. The finding showed that there was an influence on each variable and also on the variable's perceived ease of use, perceived security, perceived danger, and trust in the decision on intention to use the Pospay application. However, unlike in the H3 study, the research found a positive effect on the perceived risk variable. Moreover, the influence of perceived ease of use, perceived security, perceived risk, and trust on intention to use the Pospay application was 41.5%, with the remaining amount influenced by various factors outside the research. Keywords: Intention to use; Perceived Ease Of Use; Perceived Risk; Perceived Security; Trus