PERBANDINGAN PERCEIVED EASE OF USE APLIKASI PERBANKAN BCA (MY BCA, BCA MOBILE, DAN BLU BY BCA)
Keywords:
Perceived Ease Of Use, Aplikasi PerbankanAbstract
Penelitian ini bertujuan untuk membandingkan tingkat perceived ease of use (PEOU) pada tiga aplikasi perbankan digital milik Bank Central Asia (BCA), yaitu BCA Mobile, myBCA, dan blu by BCA, serta mengidentifikasi faktor-faktor yang memengaruhi perbedaan kemudahan penggunaan di antara ketiganya. Penelitian menggunakan metode studi literatur dengan menganalisis sedikitnya 25 artikel ilmiah terbaru dari jurnal nasional dan internasional yang relevan dalam lima tahun terakhir. Hasil sintesis literatur menunjukkan bahwa seluruh aplikasi memiliki tingkat kemudahan penggunaan yang tinggi, namun peran dan efektivitas PEOU berbeda pada tiap aplikasi. Pada BCA Mobile, PEOU telah menjadi standar dasar sehingga lebih berperan mempertahankan kepuasan pengguna, bukan sebagai penentu loyalitas. Pada myBCA, PEOU berpengaruh kuat terhadap kepuasan dan perceived usefulness, tetapi tidak berpengaruh langsung pada niat penggunaan, sehingga kepuasan menjadi mediator utama. Sementara itu, pada blu by BCA, kemudahan penggunaan dipengaruhi oleh faktor sosial dan kesesuaian fitur dengan gaya hidup pengguna muda, sehingga PEOU berfungsi sebagai pendorong awal adopsi. Secara keseluruhan, PEOU tetap menjadi elemen penting dalam penerimaan aplikasi perbankan digital BCA, namun efektivitasnya sangat dipengaruhi oleh konteks penggunaan, fitur aplikasi, dan faktor psikologis maupun sosial pengguna.
Downloads
References
Aji, F., Akbar, M. A., Adhitya, E., & Rahim, R. K. (2024). Unlocking the Potential of Continue Intention to Use of MyBCA between Generations. Journal of Business & Banking, 13(2), 253–268. https://doi.org/10.14414/jbb.v13i2.4410
Amalia, R. (2025). Pengaruh Keamanan dan Perceived Ease of Use terhadap Kepuasan dan Loyalitas Pengguna M-Banking BCA Mobile. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(3), 4896–4906. https://doi.org/10.31004/riggs.v4i3.2707
Amay, D., & Sugiat, M. A. (2025). An Analysis of the Influence of Perceived Usefulness, Perceived Ease of Use, Enjoyment, and Perceived Security on Satisfaction and Continuance Intention to Use MyBCA Mobile Banking: A Technology Acceptance Model Approach. JRSSEM: Journal Research of Social Science, Economics, and Management, 4(12). https://doi.org/10.59141/jrssem.v4i12.920
Aminudin, M. I., Sawiji, H., & Rapih, S. (2024). Studi literatur: dampak media sosial terhadap prestasi peserta didik. JIKAP (Jurnal Informasi Dan Komunikasi Administrasi Perkantoran), 8(1), 14. https://doi.org/10.20961/jikap.v8i1.75823
Anah et al. (2023). Influence of Technology of Acceptance Model (TAM) on Customer Interest in Using Mybca on A Sustainable Basis (Privacy and Personalization as Moderation Variables). Journal of Economics and Sustainable Development, 14(17). https://doi.org/10.7176/JESD/14-17-01
Angelia, D. (2022, July 10). Aplikasi Mobile Banking Paling Banyak Digunakan Masyarakat Indonesia 2022. https://goodstats.id/article/aplikasi-mobile-banking-paling-banyak-digunakan-masyarakat-indonesia-2022-Vb18i
Budiman, G. I., & Firdausy, C. M. (2025). PENGARUH PERCEIVED EASE OF USE DAN PERCEIVED USEFULNESS TERHADAP INTENTION TO USE APLIKASI MYBCA DIGITAL BANKING DENGAN PERCEIVED SATISFACTION SEBAGAI MEDIATOR. Jurnal Manajemen Bisnis dan Kewirausahaan, 9(5). https://doi.org/10.24912/jmbk.v9i5.35321
Chandra, B., & Cokki, C. (2023). Analisis keputusan penggunaan aplikasi Blu by BCA digital. Jurnal Manajemen Bisnis Dan Kewirausahaan, 7(3), 636–649. https://doi.org/10.24912/jmbk.v7i3.23875
Debora, M., & Widiati, E. (2023). Minat Penggunaan Aplikasi MyBCA Dalam Perspektif Model TAM. Management & Accounting Expose, 6(2).
Dwivedi, Y. K. (2020). Editorial introduction: Advances in theory and practice of digital marketing. Journal of Retailing and Consumer Services, 53. https://doi.org/10.1016/j.jretconser.2019.101909
Eka Violita, C., Wenats, A. E., Utami, E. Y., Putra, J. E., & Ariwibowo, P. (2025). PERCEIVED USEFULNESS CAN MEDIATE THE INFLUENCE OF PERCEIVED EASE OF USE ON CUSTOMER DECISIONS IN USING BCA MOBILE. Jurnal Ilmiah Edunomika, 8(4). https://doi.org/10.29040/jie.v8i4.16333
Krishen, A. S., Dwivedi, Y. K., Bindu, N., & Kumar, K. S. (2021). A broad overview of interactive digital marketing: A bibliometric network analysis. Journal of Business Research, 131, 183–19. https://doi.org/10.1016/j.jbusres.2021.03.061
Mahda, A., Zuhra, A., Aminah, S., & Hariyana, N. (2025). THE EFFECT OF SERVICE QUALITY, PERCEIVED EASE OF USE, AND PERCEIVED USEFULNESS ON USER SATISFACTION OF BCA MOBILE BANKING APPLICATION IN SURABAYA. IIJSE: Indonesian Interdisciplinary Journal of Sharia Economics, 8 (3). https://doi.org/10.31538/iijse.v8i3.7574
Marbawi. (2017). BANK & LEMBAGA KEUANGAN LAINNYA Teori Dan Kebijakan. Unimal Press.
Natalia, V., Kembau, A. S., Sutrisno, J., & Loisa, J. (2025). FROM PERCEPTIONS TO ADOPTION: ANALYZING BLU BCA DIGITAL THROUGH THE LENS OF THE TECHNOLOGY ACCEPTANCE MODEL. JMBI UNSRAT: Jurnal Ilmiah Manajemen Bisnis Dan Inovasi Universitas Sam Ratulangi, 12(2), 576–598. https://doi.org/10.35794/jmbi.v12i2.56739
Rinaldi, M., Hotmian, H., Silalahi, B., Sitio, F. M., Pasaribu, G. N., Silva, H., Naibaho, D., Lahagu, P. H., & Sapma, P. N. (2024). Pengaruh Penggunaan QRIS Terhadap Efisiensi Pembayaran Digital dari Perspektif Mahasiswa Pendidikan Ekonomi Universitas Negeri Medan. Jurnal Dinamika Administrasi Bisnis, 10(12), 82-92. https://doi.org/10.30996/jdab.v10i2.12315
Scherer, R., Siddiq, F., & Tondeur, J. (2019). The technology acceptance model (TAM): A meta-analytic structural equation modeling approach to explaining teachers’ adoption of digital technology in education. Computers & Education, 128, 13–35. https://doi.org/10.1016/j.compedu.2018.09.009
Sihotang, L. I. H. (2023). PENERAPAN M-BANKING DALAM MENINGKATKAN JASA, LAYANAN PERBANKAN DI BANK RAKYAT INDONESIA KANTOR CABANG PEKANBARU SUDIRMAN. Jurnal Akuntansi Aktiva, 4(2). https://doi.org/10.24127/akuntansi.v4i2.4831
Snyder, H. (2019). Literature review as a research methodology: An overview and guidelines. Journal of Business Research, 104, 333–339. https://doi.org/10.1016/j.jbusres.2019.07.039
Sri, D., Anjani, P., & Fitria, I. J. (2023). Analysis of Perceived Ease of Use and Perceived of Usefulness to Enhance Customer Interest in Using BCA Mobile Banking. Journal Of Management Analytical and Solution, 3(3), 1–7. https://doi.org/10.32734
Sulistiyani, Nurchayati, Nurchayati, & Handani, N. D. (2024). User Experience of Mobile Banking Application in Indonesia: New Technology of Banking. Global Business and Finance Review, 29(2). 127-141. 10.17549/gbfr.2024.29.2.127
Susanto, A., Chang, Y., & Ha, Y. (2016). Determinants of continuance intention to use the smartphone banking services. Industrial Management & Data Systems, 116(3), 508–525. https://doi.org/10.1108/IMDS-05-2015-0195
Tsaqib, N., Azalia, K., Kalila, D. R., Syahputra, A., & Ariyanti, T. (2024). THE INFLUENCE OF SERVICE QUALITY, PERCEIVED EASE OF USE, AND TRUST ON CUSTOMER SATISFACTION IN USING THE BCA MOBILE BANKING APPLICATION. JEBI: Jurnal Ekonomi Dan Bisnis. 2(12). https://j-economics.my.id/index.php/home/issue/view/19
Veonnita, R. (2022). Pengaruh PersepsiKemudahan, Kegunaan dan Kepuasan Terhadap Loyalitas Melalui Kepercayaan Nasabah Pengguna Mobile Banking BCA. 6(1).https://doi.org/10.31842/jurnalinobis.v6i1.258
Vi, P. T., Mishra, S., & Van Tanh, N. (2024). User Interface Design and Usability in Information Systems. Creative Approaches Towards Development of Computing and Multidisciplinary IT Solutions for Society, 359-372. https://doi.org/10.1002/9781394272303.ch23?urlappend=%3Futm_source%3Dresearchgate
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Nanang Ardiansyah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
