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Oct 13, 2025 by windailys.com 50 views

The Effect of Ease of Use and Perception of Security on Repeated Interests of Livin Transactions in Medan City

In today's digital age, mobile banking services have become increasingly popular among the people, especially in urban areas. One such service is Livin by Mandiri, a growing financial transaction service that has gained significant traction in the city of Medan. With numerous mobile banking services offering attractive features, users must reconsider their choices. Two key factors that influence user decisions are the ease of use and security perception. This study aims to analyze the effect of these two factors on the interests of repeated use of Livin by Mandiri.

Research Purpose and Methodology

This study employed a quantitative approach with the association method to analyze the effect of ease of use and security perception on the interests of repeated use of Livin by Mandiri. The research population consisted of Livin by Mandiri mobile banking users in Medan, with a sample of 96 respondents taken through purposive sampling techniques. Primary data was obtained by distributing questionnaires directly, while secondary data were collected through literature studies. The analysis methods used include the validity test, reliability test, classical assumption test, multiple linear regression, partial test, simultaneous test, and determination test with the help of SPSS software.

Research Results

The results of the study showed that the ease of use variables had a positive and significant effect on recurrent use of interest. This is evidenced by the value of t count of 4,706, which is greater than 1,985, as well as a significance value of 0.000, which is less than 0.05, and a positive regression coefficient of 0.396. This indicates that the easier it is to use Livin, the more likely users are to make repeated transactions.

On the other hand, security perception variables also showed positive and significant effects on recurrent use of interest. The value of t count of 1,955 indicates a strong relationship between security perceptions and interest in use. A significance of 0.049, which is less than 0.05, and a positive regression coefficient of 0.218 confirm that if users feel safe to use Livin, they tend to continue to use it again.

In simultaneous testing, the ease of use of use, security perception, and recurrent use of interest indicate the same effect with an influence level of 0.346, while the other 65.4% are influenced by other factors outside the research model.

Additional Analysis and Explanation

From the results of the study, it is clear that the ease of use and security perception play an important role in influencing the interest of users to re-use Livin by Mandiri. Ease of use is closely related to the application interface, the speed of the transaction process, and comfort in accessing services. Meanwhile, security perception is a major concern for users in conducting financial transactions digitally. Users want to ensure that their personal data and financial information are well protected.

The importance of these two factors explains why digital banking service providers must continue to innovate and improve the quality of their services. For Livin by Mandiri, paying attention to user feedback and applying periodic improvements can help increase user satisfaction and attract new users.

Conclusion

Ease of use and security perception have a significant influence on the interests of repeated use of Livin by Mandiri in the city of Medan. This research provides insight for financial service providers to focus on these two aspects to strengthen user loyalty. By creating good user experience and guaranteeing security, Livin by Mandiri can increase its attractiveness in an increasingly competitive market.

Recommendations

Based on the findings of this study, the following recommendations are made:

Improve the application interface: Livin by Mandiri should improve the application interface to make it more user-friendly and easy to navigate.
Enhance security features: Livin by Mandiri should enhance its security features to ensure that users' personal data and financial information are well protected.
Conduct regular user feedback: Livin by Mandiri should conduct regular user feedback to understand users' needs and preferences.
Apply periodic improvements: Livin by Mandiri should apply periodic improvements to its services to increase user satisfaction and attract new users.

By implementing these recommendations, Livin by Mandiri can increase its attractiveness in the market and strengthen user loyalty.

Limitations of the Study

This study has several limitations that should be noted:

Sample size: The sample size of this study is relatively small, which may limit the generalizability of the findings.
Sampling method: The sampling method used in this study is purposive sampling, which may introduce bias into the sample.
Data collection method: The data collection method used in this study is questionnaire-based, which may limit the depth of the data collected.

Future Research Directions

This study provides several avenues for future research:

Investigate the effect of other factors: Future research should investigate the effect of other factors, such as user experience and customer service, on the interests of repeated use of Livin by Mandiri.
Conduct a longitudinal study: Future research should conduct a longitudinal study to investigate the effect of ease of use and security perception on the interests of repeated use of Livin by Mandiri over time.
Compare with other mobile banking services: Future research should compare the effect of ease of use and security perception on the interests of repeated use of Livin by Mandiri with other mobile banking services.
Frequently Asked Questions (FAQs) about the Effect of Ease of Use and Perception of Security on Repeated Interests of Livin Transactions in Medan City

Q: What is the main objective of this study? A: The main objective of this study is to analyze the effect of ease of use and security perception on the interests of repeated use of Livin by Mandiri in the city of Medan.

Q: What is the research methodology used in this study? A: This study employed a quantitative approach with the association method to analyze the effect of ease of use and security perception on the interests of repeated use of Livin by Mandiri.

Q: What are the key findings of this study? A: The key findings of this study are that ease of use and security perception have a significant influence on the interests of repeated use of Livin by Mandiri in the city of Medan.

Q: What are the implications of this study? A: The implications of this study are that digital banking service providers, such as Livin by Mandiri, should focus on improving the ease of use and security perception of their services to strengthen user loyalty and increase their attractiveness in the market.

Q: What are the limitations of this study? A: The limitations of this study are that the sample size is relatively small, the sampling method used is purposive sampling, and the data collection method used is questionnaire-based.

Q: What are the recommendations of this study? A: The recommendations of this study are that Livin by Mandiri should improve the application interface, enhance security features, conduct regular user feedback, and apply periodic improvements to its services.

Q: What are the future research directions of this study? A: The future research directions of this study are to investigate the effect of other factors, such as user experience and customer service, on the interests of repeated use of Livin by Mandiri, conduct a longitudinal study, and compare the effect of ease of use and security perception on the interests of repeated use of Livin by Mandiri with other mobile banking services.

Q: What are the benefits of this study? A: The benefits of this study are that it provides insight for financial service providers to focus on improving the ease of use and security perception of their services, which can lead to increased user loyalty and attractiveness in the market.

Q: What are the contributions of this study? A: The contributions of this study are that it provides a comprehensive analysis of the effect of ease of use and security perception on the interests of repeated use of Livin by Mandiri, which can be used as a reference for future studies.

Q: What are the practical implications of this study? A: The practical implications of this study are that digital banking service providers, such as Livin by Mandiri, should prioritize improving the ease of use and security perception of their services to meet the needs and expectations of their users.

Q: What are the theoretical implications of this study? A: The theoretical implications of this study are that it contributes to the understanding of the factors that influence user behavior in the context of digital banking services.

Q: What are the future applications of this study? A: The future applications of this study are that it can be used as a reference for future studies on the effect of ease of use and security perception on user behavior in the context of digital banking services.