THE EFFECT OF TRANSACTION SECURITY AND EASE OF ACCESS ON USER TRUST IN THE DANA APPLICATION

Abstrak

This research is motivated by technological developments that enable everything to be done digitally, the digitalization process is now being utilized in every activity. This study employed a quantitative research method, with a population drawn from active students of the 2021 IAI SMQ Bangko who had used and owned the DANA application on their devices. The total sample size for this study was 30 users (respondents). Based on the data processing, the results for the variables were obtained partially with a significance level of less than 5%. where transaction security (X1) with a significance level of 0.0 46 < 0.05 or t table > t count, namely 2.089 > 0.374 , which means that the transaction security variable has a significant influence on user trust and ease of access (X2 ) with a significance level of 0.0 07 < 0.05 or t table > t count, namely 2.909 > 0.3 74 , which means that the ease of access variable has a significant influence on user trust. Furthermore, using the F test, the results show that all independent variables simultaneously have a significant influence, where the calculated f value > f table or 63.164 > 0.3 74. And the results of the determination coefficient (R2) calculation show that all independent variables used, namely transaction security (X1) and ease of access (X2), have an effect of 81.1 % on the dependent variable, namely user trust (Y) , while the remaining 18.9 % is influenced by other variables.