PENGARUH GAYA HIDUP DAN TEKNOLOGI TERHADAP SIKAP DAN KEPUTUSAN PENGGUNAAN KARTU KREDIT PADA BANK NEGARA INDONESIA CABANG KOTA PEKANBARU

Abstract

This study aims to measure the influence of lifestyle and technology on
attitudes and decisions on the use of credit cards at the Pekanbaru state bank
pekanbaru. The population in this study is the customer of the Pekanbaru branch
of the Negara Indonesia bank by determining the number of samples using the
Slovin formula, and obtained a sample of 100 people from a total population of
243,770 people, using sample probability using the cluster random sampling
method. Data analysis using Partial Keast Square with the help of SmartPLS
version 3.0.
The results of calculations that have been done that the magnitude of the
coefficient of influence of variable X1 (Lifestyle) on the Y2 variable (use decision)
is 0.362 with a t-statistic value of 2.959 greater than the t-table value of 1.290.
While the magnitude of the effect coefficient of variable X2 (Technology) on the
variable Y2 (Use Decision) obtained is 0.793 with a t-statistic value of 5.514
greater than the t-table value of 1.290. The magnitude of the coefficient of
influence of variable Y1 (attitude) on the variable Y2 (Use Decision) obtained is
0.304 with a t-statistic value of 1.587 greater than the t-table value of 1.290.
The results of the study that lifestyle is very influential on the use decisions
in the statement of interest in using a credit card and adding to the pride of pride
in using credit cards and the development of technology is very influential on the
use decision to help pay more effective and efficient and safe in making payments.