Analisis Pengaruh Fitur Keamanan, Fitur Pelayanan, Dan Persepsi Kredibilitas Terhadap Minat Penggunaan Layanan Bank Digital Seabank

This research endeavors to scrutinize and investigate the impact of Security Features, Service Features, and Perceived Credibility on the inclination towards utilizing SeaBank's Digital Banking Services. Driven by the swift proliferation of digital banking institutions that provide enhanced convenience and operational efficiency, this quantitative inquiry employs the Purposive Sampling technique through the distribution of online questionnaires to users of SeaBank. The findings derived from Multiple Linear Regression analysis reveal that, in isolation, the three independent variables Security Features (X₁), Service Features (X₂), and Perceived Credibility (X₃) exert a positive and statistically significant influence on the Interest in Use (Y). Collectively, the amalgamation of these three variables also demonstrates a significant impact on the Interest in Engaging with SeaBank's Digital Banking Services. Consequently, augmenting security measures, enhancing service quality, and fostering credibility are pivotal elements in promoting public acceptance of and interest in SeaBank's digital banking offerings.