PENGARUH PERSEPSI MANFAAT DAN PERSEPSI KEMUDAHANTERHADAP KEPUTUSAN NASABAH MILENIAL DALAM MENGGUNAKAN FITUR TOP-UP PADA BSI MOBILE

Abstract

This research is motivated by the issue of the Millennial generation as the largest population in Indonesia. The provided features are increasingly advanced and in line with the daily activities of society. For example, Top Up, transfer, payment, and other features that provide satisfaction to customers. Top Up feature is one of the innovations and technological developments in mobile banking applications on smartphones. The purpose of this research is to determine the influence of Perceived Benefits and Perceived Ease of Use on the decision of Millennial customers. This is a quantitative associative study using multiple linear regression analysis with SPSS. The research uses primary data from questionnaires using purposive random sampling method. The research sample consists of active students majoring in accounting at Politeknik Negeri Jakarta. The results of this study indicate that Perceived Benefits have a positive effect, while Perceived Ease of Use has a negative effect on customer decisions. Simultaneously, both Perceived Benefits and Perceived Ease of Use have an impact on Millennial Customer Decisions. This research can enhance the understanding of students in managing their finances wisely during their time on campus and avoiding wasteful behavior. It also serves as an evaluation material for digital payment service providers. Furthermore, it is recommended for future researchers to add other variables and extend                        the                                       research        to                                         different                   generations.