The Effect of Ease of Use, Transaction Security, and Consumer Trust on The Intention to Use Dana Application in Sintang Regency

Abstract

This study aims to examine the effects of Ease of Use, Transaction Security, and Consumer Trust on the Intention to Use the DANA application among residents of Sintang Regency. A quantitative approach with an associative research design was employed. Primary data were obtained through questionnaires, while supporting data were drawn from information related to the development of digital financial services and the DANA application. The study involved 100 respondents selected through purposive sampling. Respondents were required to be at least 18 years old, reside in Sintang Regency, and use the DANA application at least twice a month. The results of the analysis indicate that Ease of Use has a positive and significant effect on Intention to Use. Transaction Security also has a positive and significant effect on Intention to Use. Consumer Trust has a positive and significant effect on Intention to Use. The simultaneous test shows that the three independent variables jointly have a significant effect on Intention to Use. The correlation coefficient of 0.636 indicates a strong relationship, while the R-Square value of 0.405 shows that 40.5% of the variation in Intention to Use can be explained by Ease of Use, Transaction Security, and Consumer Trust. The remaining 59.5% of the variation is associated with factors not analyzed in this research model.