Electronic Theses and Dissertation

Perkembangan teknologi digital telah mendorong munculnya berbagai aplikasi edukasi keuangan untuk meningkatkan literasi keuangan masyarakat. salah satu aplikasi yang berkembang di indonesia adalah seeds finance, aplikasi edukasi keuangan berbasis gamifikasi yang telah diunduh lebih dari 70.000 pengguna. penelitian ini bertujuan menganalisis pengaruh gamifikasi terhadap niat keberlanjutan penggunaan aplikasi seeds finance melalui pendekatan technology continuance theory (tct). penelitian menggunakan metode kuantitatif dengan teknik purposive sampling. data diperoleh melalui survei daring terhadap 228 pengguna aktif seeds finance dan dianalisis menggunakan structural equation modeling partial least squares (sem-pls). hasil penelitian menunjukkan bahwa kepuasan, sikap, dan gamifikasi menjadi faktor utama yang mendorong niat keberlanjutan penggunaan aplikasi. selain itu, konfirmasi berperan dalam meningkatkan persepsi manfaat dan kepuasan pengguna, sedangkan persepsi kemudahan penggunaan berkontribusi terhadap persepsi manfaat. temuan lain menunjukkan bahwa persepsi manfaat dan persepsi kemudahan penggunaan belum mampu secara langsung mendorong sikap maupun niat keberlanjutan penggunaan. hasil penelitian mengindikasikan bahwa keberlanjutan penggunaan aplikasi edukasi keuangan lebih dipengaruhi oleh pengalaman penggunaan yang memuaskan, sikap positif terhadap aplikasi, dan keterlibatan pengguna melalui elemen gamifikasi dibandingkan aspek manfaat dan kemudahan penggunaan semata. temuan ini memberikan implikasi bagi pengembang aplikasi edukasi keuangan untuk berfokus pada peningkatan pengalaman pengguna dan penguatan fitur gamifikasi guna mendorong penggunaan aplikasi secara berkelanjutan.

The rapid development of digital technology has encouraged the emergence of various financial education applications aimed at improving public financial literacy. One of the growing applications in Indonesia is Seeds Finance, a gamification-based financial education application that incorporates game elements to create a more interactive and engaging learning experience and has been downloaded by more than 70,000 users. This study aims to analyze the effect of gamification on continuance intention to use the Seeds Finance application through the Technology Continuance Theory (TCT) approach. A quantitative method with purposive sampling was employed in this study. Data were collected through an online survey involving 228 active Seeds Finance users and analyzed using Structural Equation Modeling Partial Least Squares (SEM-PLS). The results indicate that continuance intention is primarily driven by satisfaction, attitude, and gamification. Confirmation contributes to perceived usefulness and satisfaction, while perceived ease of use contributes to perceived usefulness. In addition, satisfaction plays an important role in shaping users’ attitudes toward the application. Conversely, perceived usefulness was not found to directly influence attitude or continuance intention, and perceived ease of use did not influence attitude. These findings suggest that the continued use of financial education applications is influenced more by user satisfaction, positive attitudes, and engagement generated through gamification features than by perceptions of usefulness and ease of use alone. Therefore, enhancing user satisfaction, fostering positive attitudes, and strengthening gamification features are essential to promoting the sustained use of financial education applications.