Influence of Trust, Perceived Ease of Use, Perceived Use-fulness to Intention to Use in Users The Tring! App by Pegadaian at UPC Kelapa Dua, West Jakarta

Authors

  • Putri Dwi Maulidya University The world
  • Dewi Murtiningsih University The world

DOI:

https://doi.org/10.61132/epaperbisnis.v3i3.757

Keywords:

Intention to Use, Perceived Ease of Use, Perceived Usefulness, Tring! by Pegadaian, Trust

Abstract

This study aims to examine the effect of trust on intention to use, to examine the effect of perceived ease of use on intention to use, and to examine the effect of perceived usefulness on intention to use in the context of the Tring! by Pegadaian app at UPC Kelapa Dua. This is an associative-causal study. The population in this study consists of customers at UPC Kelapa Dua in West Jakarta. The sample size for this study is 131 respondents, collected through the distribution of a Google Forms questionnaire using purposive sampling. Data analysis was conducted using a Partial Least Squares (PLS)-based Structural Equation Modeling (SEM) approach with the assistance of the SmartPLS 4.1 data analysis tool. The results of this study indicate that trust has a significant effect on intention to use, perceived ease of use has a significant effect on intention to use, and perceived usefulness has a significant effect on intention to use.

Downloads

Download data is not yet available.

References

Adite, K. A., & Pancawati, N. L. (2026). Pengaruh Kemudahan Transaksi dan Kepuasan Nasabah Terhadap Penggunaan Aplikasi Tring By Pegadaian. Journal Economic Resources, 9(1), 537-546. https://doi.org/10.57178/jer.v9i1.2105

Akmal, M., & Nurlaela, S. (2025). Pengaruh Perceived Ease of Use, Perceived Usefulness, Perceived Value terhadap Customer Satisfaction dan Repurchase Intention pada Aplikasi Pesan Antar Makanan. J-CEKI: Jurnal Cendekia Ilmiah, 5(1), 881-896. https://doi.org/10.56799/jceki.v5i1.11959

Ananda, S., & Lestari, U. D. (2025). Pengaruh Perceived Risk, Perceived Usefulness, Perceived Ease Of Use, and Social Influence terhadap Intention to Use E-Wallet. J-CEKI : Jurnal CendekiaIlmiah, 5(1), 731-754. https://doi.org/10.56799/jceki.v5i1.11945

Ariningsih, E. P., Wijayanti, W., & Prasaja, M. G. (2022). Intention to Use E-wallet Dilihat dari Perceived Usefulness, Perceived Ease of Use, Perceived Security, dan Trust. Jurnal Maksipreneur, 11(2). https://doi.org/10.30588/jmp.v11i2.916

Azizah, & Suriyok, K. (2023). Pengaruh Trust, Perceived Risk terhadap Intention to Use dengan Usefulness sebagai Variabel Moderasi pada Layanan E –Wallet (Studi pada Mahasiswa FEB ITB Yadika Pasuruan). Jurnal Transparan, 15(2). https://doi.org/10.53567/jtsyb.v16i1.41

Chen, X., Jiang, L., Zhou, Z., & Li, D. (2025). Impact of Perceived Ease of Use and Perceived Usefulness of Humanoid Robots on Stu-dents' Intention to Use. ELSEVIER: Acta Psychologica, 258. https://doi.org/10.1016/j.actpsy.2025.105217

Destrina, I., & Kusumasari, I. R. (2026). The Impact of Perceived Ease of Use, Perceived Usefulness, and Trust on User's Intention to Use QRIS on BCA Mobile in Surabaya. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 9(1), 326-328. https://doi.org/10.31538/iijse.v9i1.7615

Fadhil, P., Adzikra, D. A., Hermawan, A., & Raisyaputra, R. (2024). Pengaruh Perceived Usefulness dan Social Influence terhadap Inten-tion to Use Layanan Pembayaran Kredit Digital Kredivo pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta Angkatan 2022. Jurnal Bisnis, Manajemen, dan Keuangan, 5(1). https://doi.org/10.21009/jbmk.0501.07

Ghozali, I. (2021). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 26 (10th ed.). Semarang: Badan Penerbit Universitas Diponego-ro.

Hair, J. F., Hult, G. T., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R (8th ed.). Springer Nature Switzerland AG.

Immawati, S. A., Erdawati, L., & Rosyid, R. (2024, September). Edukasi Literasi Keuangan Digital Bagi Masyarakat RW14 Kelurahan Uwung Jaya Kecamatan Cibodas Kota Tangerang. Kegiatan positif: Jurnal Hasil Karya Pengabdian Masyarakat, 2(3), 59-69. https://doi.org/10.61132/kegiatanpositif.v2i3.1220

Indra, T., & Rochman, F. (2025). Pengaruh Perceived Usefulness, Perceived Ease of Use, dan Trust terhadap Intention to Use Digital Banking Wondr By BNI di Kota Malang. JIAGABI, 14(1), 183-193. https://jim.unisma.ac.id/index.php/jiagabi/article/view/27102

Kanaan, A., AL-Hawamleh, A., Abulfaraj, A., Al-Kaseasbeh, H. M., & Alorfi, A. (2023). The Effect of Quality, Security and Privacy Factors on Trust and Intention to Use E-Government Services. International Journal of Data and Network Science, 185–198. https://doi.org/10.5267/j.ijdns.2022.11.004

Kumala, D. C., Pranata, J. W., & Thio, S. (2020). Pengaruh Perceived Usefulness, Perceived Ease of Use, Trust, dan Security terhadap Minat Penggunaan Gopay pada Generasi X di Surabaya. Jurnal Manajemen Perhotelan, 6(1), 19-29. https://doi.org/10.9744/jmp.6.1.19-29

Kurnia, R. A., & Tandijaya, T. N. (2023). Pengaruh Perceived Ease of Use, Perceived Usefulness, Security dan Trust terhadap Intention to Use Aplikasi Jago. Jurnal Manajemen Pemasaran, 17(1), 64-72. https://doi.org/10.9744/jmp.17.1.64-72

Mareta, A. P., Faiyah, L. I., Ridwansyah, Ghani, W. R., Kesuma, M. R., Hasanah, N. A., . . . Setiawan, H. (2025). Pengaruh Perceived Risk, Perceived BenefitdanModerasi Word Of MouthPada Investasi Emas Digital. IJIEB: Indonesian Journal of Islamic Economics and Business, 10(1), 66-80. https://doi.org/10.30631/1nheq727

Margie, L. A., Prihatni, R., & Gurendrawati, E. (2024). Determinan Penggunaan Layanan Perbankan Digital: Systematic Literature Review. INOVASI: Jurnal Ilmiah Ilmu Manajemen, 11(2), 604-614. https://doi.org/10.32493/inovasi.v11i2.p604-614.45249

Migueli, I., Lukitaningsih, A., & Ningrum, N. K. (2024). Pengaruh Perceived Usefulness dan Perceived Ease of Use terhadap Intention to Use dengan Attitude sebagai Variabel Intervening pada E-commerce Tokopedia di Yogyakarta. Journal of Management and Digital Busi-ness, 4(3), 665-680. https://doi.org/10.53088/jmdb.v4i3.1261

Nikmah, R., & Rohana, F. S. (2025). Penggunaan Aplikasi Tring! by Pegadaian dalam Mempermudah Investasi Emas pada Nasabah Pega-daian UPC Segiri Cabang Samarinda. Madaniya, 6(4), 2894-2904. doi:https://doi.org/10.53696/27214834.1518

Nurhinudin, I., & Lastiati, A. (2026). Exploring The Role of Trust and User Experience on Users’ Continuance Intention in DIgital Fund Transfers: A Mediated Model through User Satisfaction. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 9(1), 2255-2267. https://doi.org/10.31538/iijse.v9i1

Padmawidjaja, L. (2023). The Influence of Perceived Usefulness and Perceived Ease of Use on Behavioral Intention with TAM Approach to Users of Research Management Information Systems. Enrichment: Journal of Management, 13(3). https://doi.org/10.35335/enrichment.v13i3.1532

Putri, R. M., Zulkarnian, & Samsir. (2024). Pengaruh E-Trust dan E-Service Quality terhadap E-Satisfaction dan E-Loyality Konsumen Gen Z pada E-Commerce Tokopedia. Jurnal Manajemen Dayasaing, 26(1), 17-35. https://doi.org/10.23917/dayasaing.v26i1.4807

Rohana, F. S., & Khairunnisa, A. (2025). Implementasi Edukasi Digitalisasi Layanan Pegadaian melalui Aplikasi Tring! by Pegadaiandi UPC Biawan Samarinda. Madaniya, 6(4), 2651-2658. https://doi.org/10.53696/27214834.1502

Sari, K., Adelia, S., Yusmini, N. M., Hasmidar, & Nurofik, A. (2023). The Role of Perceived Ease of Use, Trust and Perceived Usefulness on Intention to Use Customer of Tix IdUse Customer of Tix Id. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 9(1), 132-139. https://doi.org/10.35870/jemsi.v9i1.920

Serzya, S. R. (2025). The Influence of Perceived Ease of Use, Social Influence, Trust, Technology Self-Efficacy and Security on Intention to Use One of Digital Bank in D.I. Yogyakarta. International Journal of Social, Economics, and Business, 2(1), 69-79. https://doi.org/10.65688/ijseb.v2i3

Siregar, F. F., Rahman, H. N., Haykal, K. N., Ilyasa, K. W., & Prabowo, M. B. (2025). Pengaruh Perceived Usefulness, Ease of Use, dan Trustworthiness terhadap Intention to Use Digital Payment OVO pada Mahasiswa S1 dan D4 FEB Universitas Negeri Jakarta Peri-ode 2024. JEBI: Jurnal Ekonomi dan Bisnis, 3(1), 103-124. https://j-economics.my.id/index.php/home/article/view/427

Syamilah, F., Sadat, A. M., & Berutu, M. B. (2025). The Influence of Perceived Usefulness, Perceived Ease of Use, and Perceived Value on Intention to Use E-Commerce. Jurnal Riset Manajemen Sains Indonesia, 16(2), 88-99. https://doi.org/10.21009/JRMSI.016.2.7

Waruwu, M., Pu'at, S. N., Utami, P. R., Yanti, E., & Rusydiana, M. (2025). Metode Penelitian Kuantitatif: Konsep, Jenis, Tahapan dan Kelebihan. Jurnal Ilmiah Profesi Pendidikan, 10(1), 917-932. doi:https://doi.org/10.29303/jipp.v10i1.3057

Wijayadne, D. R. (2025). Bridging Innovation and Adoption: The Mediating Role of Trust in The Influence of Personal Innovativeness and Perceived Usefulness on Intention to Use. Jurnal Psikoborneo, 13(2). doi:http://dx.doi.org/10.30872/psikoborneo.v13i2.20786

Zudiah, H. A., Mursityo, Y. T., & Nugraha, D. C. (2024, Agustus). Analisis Faktor-Faktor yang Mempengaruhi Intention to Use pada Ap-likasi Tokopedia Menggunakan Technology Acceptance Model (TAM) Termodifikasi. Jurnal Sistem Informasi, Teknologi Informasi, dan Edukasi Sistem Informasi (JUST-SI), 5(1), 50-61. doi:https://doi.org/10.25126/justsi.v5i1.398

Downloads

Published

2026-09-22

How to Cite

Putri Dwi Maulidya, & Dewi Murtiningsih. (2026). Influence of Trust, Perceived Ease of Use, Perceived Use-fulness to Intention to Use in Users The Tring! App by Pegadaian at UPC Kelapa Dua, West Jakarta. EPaper Bisnis : International Journal of Entrepreneurship and Management , 3(3), 15–25. https://doi.org/10.61132/epaperbisnis.v3i3.757