THE INFLUENCE OF TRUST, WEB QUALITY AND RISK PERCEPTION ON INTEREST IN SAVING BRI DIGITAL SAVING PRODUCTS DURING THE COVID-19 PANDEMIC AT BRI PEKALONGAN BRANCH

Abstrak

Introduction/Main Objectives: The purpose of this study was to determine the effect of trust, product quality (web) and risk perception on the interest in saving BRI digital products during the Covid 19 pandemic. The study was conducted on BRI customers at the Pekalongan branch with a population of 800 people and set a sample of 100 people. The sampling technique used in this study used non-probability sampling with accidental sampling technique, in which the researcher took a sample that he happened to meet at that time. The type of data needed in this research is quantitative data. Quantitative data in this study is data that comes directly from respondents presented in the form of a Likert scale. Data collection techniques used includes observations, interviews and questionnaires. The statistical method used is multiple regression analysis with the WarpPLS 6.0 application. The results of this study did not have a significant effect between trust (X1) and interest in saving (Y). There is a significant influence between web quality (X2) on interest in savings (Y). There is a significant influence between perceived risk (X3) on interest in savings (Y). For the simultaneous test results, trust, web quality and risk perception affect the interest in savings by 74%. This means that 74% of customers' interest in saving in BRI digital saving products during a pandemic was based on customer trust, the quality of the BRI digital saving product website and the guarantee of risk perception provided by BRI in ensuring the safety of BRI digital saving products during the pandemic.