DETERMINAN ADOPSI DIGITAL BANKING DI KALANGAN MAHASISWA FAKULTAS ILMU SOSIAL DAN ILMU POLITIK UNIVERSITAS DIPONEGORO: PENDEKATAN REGRESI LOGISTIK
Abstract
The development of digital technology has driven a major transformation in the banking sector, enabling various services to be provided online through digital banking platforms. Students, as the digital native generation, are an important segment in the adoption of these services. Although various conveniences and benefits have been offered, the level of digital banking adoption among students remains uneven. This study aims to examine the interest of students from the Faculty of Social and Political Sciences (FISIP) in using digital banking and to explore the factors influencing their preferences. This research employs a quantitative approach using logistic regression analysis. Primary data were collected through questionnaires distributed to active FISIP students at Diponegoro University. Independent variables include age, GPA, semester, region of origin, entrepreneurial status, monthly allowance, and ICT literacy, with digital banking adoption as the dependent variable. The results indicate that the logistic regression model has a satisfactory goodness-of-fit, with a -2 Log Likelihood value of 99.003 and a Nagelkerke R² of 0.154. Hypothesis testing revealed that only age and semester significantly influence digital banking adoption. Age has a positive effect (p = 0.003), while semester has a negative effect (p = 0.005). Other variables—GPA, region of origin, side business, monthly allowance, and ICT literacy—show no significant effect. This study contributes conceptually to understanding technology adoption behavior and offers practical implications for financial institutions and educational bodies to enhance financial literacy and digital inclusion among students.
References
Alkhowaiter, W. A. (2020). Digital payment and banking adoption research in Gulf countries: A systematic literature review. International Journal of Information Management, 53(September 2019), 102102. https://doi.org/10.1016/j.ijinfomgt.2020.102102
Alnemer, H. A. (2022). Determinants of digital banking adoption in the Kingdom of Saudi Arabia: A technology acceptance model approach. Digital Business, 2, 100037. https://doi.org/10.1016/j.digbus.2022.100037
Al-Qeisi, K., & Hegazy, A. (2015). Consumer online behaviour: A perspective on internet banking usage in three non-western countries. Procedia Economics and Finance, 23, 386–390.
Al-Somali, S. A., Gholami, R., & Clegg, B. (2009). An investigation into the acceptance of online banking in Saudi Arabia. Technovation, 29(2), 130–141. https://doi.org/10.1016/j.technovation.2008.07.004
Ayuningtyas, M., & Sufina, L. (2023). Pengaruh Penggunaan Mobile Banking, Internet Banking, dan Atm terhadap Kinerja Keuangan Perbankan (Studi Kasus Sektor Bank Konvensional yang Terdaftar di Bursa Efek Indonesia) Tahun 2017- 2021. Jurnal Keuangan Dan Perbankan, 19(2), 119–130. https://doi.org/10.35384/jkp.v19i2.394
Barjaktarović Rakočević, S., Milosevic, S., & Rakić, N. (2022). Digital Banking Services from Customer Perspective. In Sustainable Business Management and Digital Transformation: Challenges and Opportunities in the Post-COVID Era (pp. 210-227). https://www.researchgate.net/publication/379320915_Digital_Banking_Services_-_Students%27_Perspective/fulltext/66042edd10ca86798715de68/Digital-Banking-Services-Students-Perspective.pdf?origin=publication_detail&_tp=eyJjb250ZXh0Ijp7ImZpcnN0UGFnZSI6InB1YmxpY2F0aW9uIiwicGFnZSI6InB1YmxpY2F0aW9uRG93bmxvYWQiLCJwcmV2aW91c1BhZ2UiOiJwdWJsaWNhdGlvbiJ9fQ
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Dewi Nuril Afifah, & Niniek Imaningsih. (2025). Analisis Pengaruh Laju Pertumbuhan Penduduk, Indeks Pembangunan Manusia, Pertumbuhan Ekonomi, Dan Tingkat Pengangguran Terbuka Terhadap Tingkat Kemiskinan Di Kabupaten Pasuruan Dan Kabupaten Gresik. Curve Elasticity: Jurnal Pendidikan Ekonomi, 6(1), 109-122. https://doi.org/10.57094/jpe.v8i2.3006
Glavee-Geo, R., Shaikh, A. A., & Karjaluoto, H. (2017). Mobile banking services adoption in Pakistan: Are there gender differences? International Journal of Bank Marketing, 35 (7), 1088–1112. https://doi.org/10.1108/IJBM-09-2015-0142
Gombo, M., Ketut Suma, I Made Candiasa, & I Nyoman Jampel. (2025). Implementasi Manajemen Keuangan Sederhana Pada Usaha Pinang Tradisional Di Wamena: Tantangan Dan Peluang Dalam Konteks Pendidikan Kewirausahaan. Curve Elasticity: Jurnal Pendidikan Ekonomi, 6(1), 94-108. https://doi.org/10.57094/jpe.v6i1.2858
Harefa, D. (2025). Innovation In Social Science Learning Based On Local Wisdom: Hombo Batu As A Cultural Education Media In South Nias. Curve Elasticity: Jurnal Pendidikan Ekonomi, 6(1), 15-27. https://doi.org/10.57094/jpe.v6i1.2555
Hendarsyah. (2016). Penggunaan Uang Elektronik dan Uang Virtual Sebagai Pengganti Uang Tunai di Indonesia.
Hosmer, D. W., & Lemeshow, S. (2000). Applied Logistic Regression (Second Edition). John Wiley & Sons, Inc.
Kurniawati, D., & Sutanto, H. T. (2019). Faktor-Faktor yang Mempengaruhi Anemia Remaja Putri Dengan Menggunakan Bayesian Regresi Logistik Dan Algoritma Metropolis-Hasting. Jurnal Ilmiah Matematika, 7(1), 1–6.
Laia, O. Z. (2025). Penerapan Model Pembelajaran Survey, Question, Read, Recite, Review (Sq3r) Terhadap Hasil Belajar . Curve Elasticity: Jurnal Pendidikan Ekonomi, 6(1), 1-14. https://doi.org/10.57094/jpe.v6i1.2266
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://openjournal.unpam.ac.id/index.php/Inovasi/article/download/45249/21618/103618
Nasri, W. (2011). Factors influencing the adoption of internet banking in Tunisia. International Journal of Business and Management, 6(8), 143–160. https://doi.org/10.5539/ijbm.v6n8p143
Otoritas Jasa Keuangan. (2022). Buletin Riset Kebijakan Perbankan (Vol. 3, No. 2). Departemen Penelitian dan Pengaturan Perbankan, OJK. https://www.ojk.go.id/id/Default.aspx
Prayogi, G. D. (2024). Penerapan Sistem Pengendalian Internal Pemerintah sesuai PP 60 Tahun 2008 dan Sistem Informasi Akuntansi Berbasis Artificial Intelligence Terhadap Kecenderungan Fraudulent Financial Reporting:(Studi Kasus pada Organisasi Sektor Publik di Kabupaten Gresik). Jurnal Ilmiah Raflesia Akuntansi, 10(1), 174-184.
Safeena, R., Kammani, A., & Date, H. (2014). Assessment of internet banking adoption: An empirical analysis. Arabian Journal for Science and Engineering, 39(2), 837–849.
Sembiring, K. (2018). Faktor-faktor yang mempengaruhi kesejahteraan rumah tangga di Kabupaten Deli Serdang dengan pendekatan regresi logistik (Skripsi, dipublikasikan). Universitas Sumatera Utara, Medan.
Singh, S., & Dutta, A. (2020). The role of demographics in adoption of digital payment services: Evidence from India. FIIB Business Review, 9(1), 24–36. https://doi.org/10.1177/2319714520903312
Suh, B., & Han, I. (2002). Effect of trust on customer acceptance of Internet banking. Electronic Commerce Research and Applications, 1(3-4), 247–263. https://doi.org/10.1016/S1567-4223(02)00017-0
Tampil, Y., Komaliq, H., & Langi, Y. (2017). Analisis regresi logistik untuk menentukan faktor-faktor yang mempengaruhi indeks prestasi kumulatif (IPK) mahasiswa FMIPA Universitas Sam Ratulangi Manado. Jurnal d’CARTESIAN, 6 (2). 56-62.
Telaumbanua, T., Kaminudin Telaumbanua, Baziduhu Laia, Murnihati Sarumaha, & Fatolosa Hulu. (2025). Factors Contributing To Learning Difficulties Among Grade IX Students At SMP Negeri 1 Toma. Curve Elasticity: Jurnal Pendidikan Ekonomi, 6(1), 78-93. https://doi.org/10.57094/jpe.v6i1.2721
Tulong, M., Mongi, C., & Mananohas, M. (2018). Regresi logistik multinomial untuk menentukan faktor-faktor yang mempengaruhi pilihan perguruan tinggi pada siswa SMA dan SMK di Pulau Karakelang Kabupaten Kepulauan Talaud. Jurnal Matematika dan Aplikasi d’CARTESIAN, 7 (2). 90-94.
Van Hove, L., & Dubus, A. (2019). M-PESA and financial inclusion in Kenya: Of paying comes saving? Sustainability, 11(3), 568. https://doi.org/10.3390/su11030568
Vebiana, V. (2018). Perbankan Digital , Pengalaman Pelanggan, dan Kinerja Keuangan Bank Syariah. Prosiding Industrial Research Workshop and National Seminar, 9, h.747. https://doi.org/10.35313/irwns.v9i0.1145
Yazid, M. S. dan A. (2020). Kompetitif. 3(2), 79–83.
