The Influence Of Perceived Ease Of Use, Perceived Security And Social Influence On Buying Behavior In Investment Applications With Investment Intention As A Mediating Variable
DOI:
https://doi.org/10.30989/ijess.v4i1.2059Abstract
This study aims to analyze the influence of perceived ease of use on behavioral intention by integrating the Theory of Planned Behavior (TPB) framework. In this context, perceived ease of use is considered as an external factor that can shape users’ attitudes toward behavior, which subsequently affects their intention to use a particular system or technology. The TPB framework explains behavioral intention through three main constructs: attitude, subjective norms, and perceived behavioral control.
This research employs a quantitative approach using survey data collected from respondents who have experience with the system under study. The data were analyzed using statistical techniques, including validity and reliability tests, as well as regression analysis to examine the relationships among variables. The findings reveal that perceived ease of use has a significant positive influence on users’ attitudes, which in turn affects their behavioral intention. Furthermore, attitude, subjective norms, and perceived behavioral control simultaneously contribute to shaping user investment intention. These results indicate that ease of use plays an important role in encouraging positive perceptions and strengthening intention to adopt a system. This study provides both theoretical and practical contributions by extending the TPB model with perceived ease of use as an external variable. It also suggests that system developers should focus on improving usability to enhance positive attitudes and increase user adoption.
References
References
[1] N. Januari, “SENTRI : Jurnal Riset Ilmiah,” vol. 3, no. 1, pp. 159–165, 2024.
[2] F. Block, “What counts as investment? Productive and unproductive expenditures,” Theory Soc., vol. 53, no. 3, pp. 701–723, 2024.
[3] W. Widjanarko, H. Hadita, F. Saputra, and D. Y. A. Cahyanto, “Determinasi Kemudahan Akses Informasi Bagi Keputusan Investasi Gen Z,” Digit. Bisnis J. Publ. Ilmu Manaj. dan E-Commerce, vol. 2, no. 4, pp. 248–264, 2023.
[4] Inka Yusgiantoro, Zaafri Ananto Husodo, Ratih Dyah Kusumastuti, Fajar Ayu Pigara, and Usman Arif, “The dynamics of interconnectedness and stability of the Indonesian financial sector: A system dynamics approach,” OJK Work. Pap. Ser., vol. 1, pp. 131–152, 2018.
[5] A. D. Adhi Putra, “Sentiment Analysis on User Reviews of the Bibit and Bareksa Application with the KNN Algorithm,” JATISI (Jurnal Tek. Inform. dan Sist. Informasi), vol. 8, no. 2, pp. 636–646, 2021.
[6] H. Zheng, F. Han, Y. Huang, Y. Wu, and X. Wu, Factors influencing behavioral intention to use e-learning in higher education during the COVID-19 pandemic: A meta-analytic review based on the UTAUT2 model, vol. 30, no. 9. Springer US, 2025.
[7] J. M. M. Fernández-fernández and F. P. Alberto, “Does privacy and ease of use influence user trust in digital banking applications in Spain and Portugal ?,” pp. 781–803, 2023.
[8] M. Christian, F. Fensi, and P. Arifin, “Determinan Intensi Penggunaan dan Advokasi Merek Pada Generasi Z di Jabodetabek: Investigasi Pada Aplikasi Bibit,” J. E-Bis, vol. 7, no. 2, pp. 472–485, 2023.
[9] J. A. Andrea and J. S. Suroso, “Analisis Faktor-Fator yang Mempengaruhi Penggunaan Aplikasi Investasi Reksadana Online pada Generasi Millenial dan Generasi Z,” ITEJ (Information Technol. Eng. Journals), vol. 7, no. 1, pp. 32–52, 2022.
[10] A. Rauf, “Faktor – Faktor Yang Mempengaruhi Perilaku Konsumen Dalam Keputusan Menggunakan Jasa Transportasi Pada Pt. Sumber Jaya Trans,” Dyn. Manag. J., vol. 6, no. 2, p. 102, 2022.
[11] A. Algiffary and T. Sutabri, “Indonesian Journal of Computer Science,” Indones. J. Comput. Sci., vol. 12, no. 2, pp. 284–301, 2023.
[12] H. Siagian, Z. J. H. Tarigan, S. R. Basana, and R. Basuki, “The effect of perceived security, perceived ease of use, and perceived usefulness on consumer behavioral intention through trust in digital payment platform,” Int. J. Data Netw. Sci., vol. 6, no. 3, pp. 861–874, 2022.
[13] S. Ananda and U. D. Lestari, “Use , And Social Influence Terhadap Intention To Use E-Wallet,” J. Cendekia Ilm., vol. 5, no. 1, pp. 731–745, 2025.
[14] S. T. Naskar, J. Maria, and M. Lindahl, Forty years of the theory of planned behavior : a bibliometric analysis ( 1985 – 2024 ), vol. 76, no. 1. Springer International Publishing, 2026.
[15] R. R. P. Roa, V. L. Salahag, and W. T. Saavedra, “Shopping Behaviour Factors and their Relationship on Consumer Preferences Between In-Store and Online Shopping,” Am. J. Econ. Bus. Innov., vol. 4, no. 3, pp. 195–204, 2025.
[16] R. Panjaitan and H. N. Cahya, “A Perspective of Theory of Reasoned Action and Planned Behavior : Purchase Decision,” vol. 29, no. 01, pp. 42–65, 2025.
[17] N. L. Wafiroh, “Jurnal Akuntansi Aktual Theory of Planned Behavior as an Antecedent in Predicting Fraudulent Intentions of Academic Accountants and Non-Academic Accountants,” vol. 11, no. 1, pp. 73–82, 2024.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Agus Sani

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.





