Impact of Perceived Usefulness on User Satisfaction of Fund Applications among Students of the University of North Sumatra

Oct 13, 2025 by talynt.org 31 views

Impact of Perceived Usefulness on User Satisfaction of Fund Applications among Students of the University of North Sumatra

Introduction

In today's digital age, the use of mobile applications has become an integral part of our daily lives. Among the various applications available, fund applications have gained significant popularity, especially among students. These applications offer various financial services such as money transfer, payment, and credit purchases, making it easier for users to manage their finances. However, the success of these applications depends on the user's perception of their usefulness. This study aims to investigate the impact of perceived usefulness on user satisfaction of fund applications among students of the University of North Sumatra.

Background

The Technology Acceptance Model (TAM) is a widely used framework to understand how users accept and use technology. According to TAM, perceived usefulness is a crucial factor that influences user behavior. Perceived usefulness refers to the extent to which users believe that a technology or application helps them achieve their goals. In the context of this research, the application of funds was taken as a case study to explore student views on the use of the application.

Methodology

This study employed a survey method using a questionnaire as a data collection instrument. The research sample consisted of students of the University of North Sumatra who use the application of funds in their daily lives. The data collected was then analyzed using statistical techniques to test the relationship between perceived usefulness and user satisfaction.

Results

The results of this study showed that there was a significant positive relationship between perceived usefulness and user satisfaction among students of the University of North Sumatra. This finding suggests that students who perceive the fund application as useful are more likely to be satisfied with its use. These results have important implications for application developers and financial service providers to improve the quality of their applications to better meet the needs and expectations of users, especially among students.

The Importance of Perceived Usefulness

The importance of perceived usefulness in digital technology, especially mobile applications, cannot be ignored. In this increasingly connected world, users look for applications that can facilitate their lives and help achieve financial goals. Funds applications, which offer various financial services such as money transfer, payment, and credit purchases, play a significant role in meeting these needs.

Student Perception of Fund Applications

Students often become the early users of new technology, so their perception of the use of the application is very influential on the level of satisfaction they feel. In this case, the fund application has succeeded in creating a positive user experience with an easy-to-understand interface and features that are relevant to the needs of students. The active involvement of students in using this application shows that they feel the direct benefits of every feature offered.

Implications for Developers and Financial Service Providers

The results of this study not only provide insight for developers of funds for funds, but also for educational institutions and policy makers. By understanding the perception of user uses and satisfaction, they can create a more supportive environment for students to use financial technology in a more effective and efficient way.

Conclusion

Overall, this research confirms that increasing the perception of the use of an application is a crucial step in building user satisfaction. Thus, application developers and financial service providers need to focus on innovation and increase features that can support user needs, especially among young people such as students, to ensure the sustainability and growth of the future applications.

Recommendations

Based on the findings of this study, the following recommendations are made:

Application developers and financial service providers should focus on increasing the perceived usefulness of their applications by incorporating features that are relevant to the needs of students.
Educational institutions and policy makers should create a more supportive environment for students to use financial technology in a more effective and efficient way.
Further research should be conducted to explore the impact of perceived usefulness on user satisfaction in other contexts, such as business and healthcare.

Limitations

This study has several limitations that should be acknowledged. Firstly, the study was conducted among students of the University of North Sumatra, which may limit the generalizability of the findings to other populations. Secondly, the study relied on self-reported data, which may be subject to biases and limitations. Finally, the study did not explore the impact of other factors, such as user experience and social influence, on user satisfaction.

Future Research Directions

Future research should aim to explore the impact of perceived usefulness on user satisfaction in other contexts, such as business and healthcare. Additionally, research should be conducted to explore the impact of other factors, such as user experience and social influence, on user satisfaction. Furthermore, research should be conducted to explore the impact of perceived usefulness on user behavior, such as intention to use and actual use.

Conclusion

In conclusion, this study provides insight into the impact of perceived usefulness on user satisfaction of fund applications among students of the University of North Sumatra. The findings of this study have important implications for application developers and financial service providers to improve the quality of their applications to better meet the needs and expectations of users, especially among students.
Frequently Asked Questions (FAQs) about the Impact of Perceived Usefulness on User Satisfaction of Fund Applications among Students of the University of North Sumatra

Q: What is the main objective of this study?

A: The main objective of this study is to investigate the impact of perceived usefulness on user satisfaction of fund applications among students of the University of North Sumatra.

Q: What is perceived usefulness?

A: Perceived usefulness refers to the extent to which users believe that a technology or application helps them achieve their goals. In the context of this research, the application of funds was taken as a case study to explore student views on the use of the application.

Q: What is the significance of this study?

A: This study is significant because it provides insight into the impact of perceived usefulness on user satisfaction of fund applications among students of the University of North Sumatra. The findings of this study have important implications for application developers and financial service providers to improve the quality of their applications to better meet the needs and expectations of users, especially among students.

Q: What are the limitations of this study?

A: This study has several limitations that should be acknowledged. Firstly, the study was conducted among students of the University of North Sumatra, which may limit the generalizability of the findings to other populations. Secondly, the study relied on self-reported data, which may be subject to biases and limitations. Finally, the study did not explore the impact of other factors, such as user experience and social influence, on user satisfaction.

Q: What are the recommendations of this study?

A: Based on the findings of this study, the following recommendations are made:

Application developers and financial service providers should focus on increasing the perceived usefulness of their applications by incorporating features that are relevant to the needs of students.
Educational institutions and policy makers should create a more supportive environment for students to use financial technology in a more effective and efficient way.
Further research should be conducted to explore the impact of perceived usefulness on user satisfaction in other contexts, such as business and healthcare.

Q: What are the implications of this study for application developers and financial service providers?

A: The findings of this study have important implications for application developers and financial service providers to improve the quality of their applications to better meet the needs and expectations of users, especially among students. By increasing the perceived usefulness of their applications, application developers and financial service providers can improve user satisfaction and increase the adoption of their applications.

Q: What are the implications of this study for educational institutions and policy makers?

A: The findings of this study have important implications for educational institutions and policy makers to create a more supportive environment for students to use financial technology in a more effective and efficient way. By understanding the perception of user uses and satisfaction, educational institutions and policy makers can develop policies and programs that support the use of financial technology among students.

Q: What are the future research directions of this study?

A: Future research should aim to explore the impact of perceived usefulness on user satisfaction in other contexts, such as business and healthcare. Additionally, research should be conducted to explore the impact of other factors, such as user experience and social influence, on user satisfaction. Furthermore, research should be conducted to explore the impact of perceived usefulness on user behavior, such as intention to use and actual use.

Q: What are the contributions of this study?

A: This study contributes to the existing body of knowledge on the impact of perceived usefulness on user satisfaction of fund applications among students of the University of North Sumatra. The findings of this study provide insight into the importance of perceived usefulness in digital technology, especially mobile applications, and highlight the need for application developers and financial service providers to focus on increasing the perceived usefulness of their applications to improve user satisfaction.