USULAN PENGEMBANGAN APLIKASI HALOFINA BERDASARKAN FAKTOR YANG MEMENGARUHI INTENSI KONSUMEN DALAM MENGGUNAKAN APLIKASI PERENCANAAN KEUANGAN

• Main Author: Andari Fae, Vania
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/50461
• Institution: Institut Teknologi Bandung

Halofina is one of the fintech companies that moves in financial planning. In facing competition with its competitors, currently Halofina is working on its application so that it can acquire more consumers that uses Halofina app in planning their financials. Based on this, the study aims to identify the factors that influences consumer’s intention in using financial planning application so that an improvement can be applied to Halofina’s application. Testing of the factors that influences the intention is done by using partial least squares – structural equation modeling (PLS-SEM) and multi group analysis (MGA) method, using data collected from 268 respondents which has used and has not used financial planning application before. According to the test result, it is known that the consumer’s intention to use the financial planning application is directly influenced by perceived usefulness, where the effect of perceived usefulness on the intentions of consumers who have never used financial planning applications is greater than the intentions of consumers who have never used it. Perceived usefulness itself is directly influenced by task fit. Based on the intention test result, the improvement recommendation for Halofina application is given in the form of feature suggestions that can support task fit factor. Those features are then tested using Kano’s questionnaire to identify which feature affects consumer satisfaction. The test result using 63 respondents stated that there are seven feature suggestions that empirically proven to affect consumer satisfaction. The features are income and expense record feature, financial report display feature, budgeting feature, notification feature when expense exceeds the budget, notification to achieve savings target feature, aggregation feature between bank and e-wallet account, and financial recommendation feature.