ANALISIS USER EXPERIENCE PADA APLIKASI PINJAMAN ONLINE MENGGUNAKAN METODE KNOWLEDGE, ATTITUDE, AND PRACTICE (KAP)

• ALFITO ARDIANSYAH
• 2026

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User Experience (UX) in online applications using the Knowledge, Attitude, and Practice (KAP) method as a means of assessing user perceptions and behavior. This study is a quantitative descriptive study using a survey method through a questionnaire sent to active online loan users in the youth or elderly community. The results of the study indicate that the level of user knowledge is in the high category, which has a positive effect on the attitude of caution in using the application. User attitudes also show a positive perception of the ease and speed of application services. However, in terms of practice, some users still show less wise behavior in utilizing loan features, such as paying less attention to interest and payment tenor. Overall, the results of the analysis show that the knowledge, attitude, and practice factors have a significant influence on the User Experience (UX) of online loan application users. The conclusion of this study is that increasing knowledge and positive attitudes towards online loan applications can improve user experience and encourage wiser usage practices. Researchers recommend that application developers strengthen digital education and information transparency to improve the quality of the user experience

• Knowledge
• Attitude
• and Practice

https://repository.bsi.ac.id/repo/81575/ANALISIS-USER-EXPERIENCE-PADA-APLIKASI-PINJAMAN-ONLINE-MENGGUNAKAN-METODE-KNOWLEDGE,-ATTITUDE,-AND-PRACTICE-(KAP)
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