Pengaruh Perceived Usefulness, Perceived Ease of Use, Perceived Trust, dan Perceived Risk terhadap Digital Gold Investment Intention pada Generasi Z di Surabaya

Akbari, Razzan Ega (2026) Pengaruh Perceived Usefulness, Perceived Ease of Use, Perceived Trust, dan Perceived Risk terhadap Digital Gold Investment Intention pada Generasi Z di Surabaya. Other thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Perkembangan layanan emas digital memperluas akses investasi, tetapi niat pengguna tidak hanya ditentukan oleh ketersediaan teknologi. Penelitian ini bertujuan menganalisis pengaruh perceived usefulness, perceived ease of use, perceived trust, dan perceived risk terhadap digital gold investment intention pada Generasi Z di Surabaya. Penelitian menggunakan pendekatan kuantitatif dengan desain cross-sectional. Data diperoleh melalui kuesioner daring dari 103 responden berusia 18–27 tahun yang dipilih dengan purposive sampling berdasarkan domisili di Surabaya dan paparan terhadap investasi emas digital. Data dianalisis menggunakan PLS-SEM. Pada tahap pengolahan, skor perceived risk dibalik sehingga skor yang lebih tinggi menunjukkan tingkat risiko yang lebih rendah, sedangkan interpretasi hasil tetap mengikuti arah konstruk perceived risk asli. Hasil penelitian menunjukkan bahwa perceived usefulness dan perceived ease of use berpengaruh positif dan signifikan terhadap digital gold investment intention. Perceived trust memiliki arah positif, tetapi pengaruh langsungnya tidak signifikan. Skor perceived risk yang telah dibalik menunjukkan hubungan positif dan signifikan dengan niat investasi. Ketika dikembalikan pada orientasi konstruk asli, hasil tersebut berarti bahwa semakin tinggi risiko yang dirasakan, semakin rendah niat investasi emas digital. Temuan ini menunjukkan bahwa manfaat layanan, kemudahan penggunaan, dan pengendalian risiko merupakan pertimbangan penting yang berkaitan dengan niat investasi. Kepercayaan tetap diperlukan sebagai dasar legalitas, keamanan, dan transparansi layanan, meskipun pengaruh langsungnya belum memperoleh dukungan statistik. Hasil penelitian perlu dibaca sesuai karakteristik sampel dan dengan mempertimbangkan kedekatan empiris antarbeberapa konstruk.
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The expansion of digital gold services has widened access to investment, but users’ investment intention is not determined by technological availability alone. This study examines the relationships of perceived usefulness, perceived ease of use, perceived trust, and perceived risk with digital gold investment intention among Generation Z in Surabaya. A quantitative cross-sectional design was employed. Data were collected through an online questionnaire from 103 respondents aged 18–27 years, selected using purposive sampling based on domicile in Surabaya and prior exposure to digital gold investment. The data were analyzed using PLS-SEM. During data processing, perceived risk scores were reversed so that higher scores represented lower perceived risk, while the final interpretation remained aligned with the original construct direction. The findings indicate that perceived usefulness and perceived ease of use have positive and significant relationships with digital gold investment intention. Perceived trust shows a positive direction, but its direct relationship is not statistically significant. Reverse-scored perceived risk has a positive and significant relationship with investment intention; when interpreted in the original construct direction, higher perceived risk is associated with lower digital gold investment intention. These findings suggest that service usefulness, ease of use, and risk management are important considerations associated with investment intention. Trust remains essential for service legality, security, and transparency, although its direct relationship is not statistically supported. The findings should be interpreted within the characteristics of the sample and in light of the empirical overlap among several constructs.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Digital gold investment intention, perceived usefulness, perceived ease of use, perceived trust, perceived risk, Generasi Z, Generation Z
Subjects:	H Social Sciences > HG Finance > HG4910 Investments
Divisions:	Faculty of Creative Design and Digital Business (CREABIZ) > Business Management > 61205-(S1) Undergraduate Thesis
Depositing User:	Razzan Ega Akbari
Date Deposited:	06 Aug 2026 01:54
Last Modified:	06 Aug 2026 01:54
URI:	http://repository.its.ac.id/id/eprint/144116

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