ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI ACTUAL USAGE MELALUI BEHAVIORAL INTENTION PENGGUNA KARTU PRABAYAR BERBELANJA FLAZZ BCA DI SURABAYA

Abstract

The development of information technology has given many advantages for people to do their activities. So, it increase the intention to use information technology’s products. It is also an opportunity for companies to develop the new information technology’s products. One of the companies that take this opportunity is BCA which launched Flazz BCA card. Since its launched in 2007, the number of Flazz BCA card’s users increased continually. Now, the number of users has reach millions of consumers. However, the percentage of user’s growth is relatively small. Therefore, this study aims to analyze the effects of perceived usefulness, perceived ease of use, compatibility, personal innovativeness and social influence to behavioral intention and the effect of behavioral intention to actual usage. The results of this study can be used by BCA to develop the best strategy in order to increase the number of users and actual usage of Flazz BCA card. This study uses quantitative approach with Structural Equation Modeling (SEM) technique and AMOS 16.0 program. Questionnaires were distributed to 140 respondents who used as a sample in this study using non probability sampling and snowball sampling’s method. The result of this study shows that perceived usefulness, personal innovativeness and social influence have positive and significant effects on behavioral intention. Perceived ease of use and compatibility has positive but insignificant effects on behavioral intention. In addition, this study also found that behavioral intention has positive and significant effects on actual usage of Flazz BCA card in Surabaya.