DETERMINANT  OF THE CUSTOMER INTEREST FACTOR IN USING BSI MOBILE BANKING

Article Sidebar

pdf
Published: Jul 22, 2024
DOI: https://doi.org/10.19109/ttgdjf69
Keywords:
Feature availability, security , customer interest, perceived ease of use, perceived effectiveness

Main Article Content

Dila Reski Wulandari
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Kurniawati Meylianingrum
Universitas Islam Negeri Maulana Malik Ibrahim Malang

Abstract

This study aims to describe and describe the percentage level of perceived ease of use, perceived effectiveness, feature availability, and security in the interest in using mobile banking. The population in this study is customers who use the Bank Syariah Indonesia Mobile Banking application in Malang City.  As for the calculation of the slovin formula, it was found that the number of samples used in this study amounted to 385 people. Sampling in this study uses nonprobability sampling with purposive sampling technique. The data analysis technique used is using multiple regression with hypothesis tests, namely t test and F test through SPSS 25 software. The results of the study showed that based on the results of the t-Test test, the perceived ease of use variable had a significant positive effect on the interest in using, the perceived effectiveness variable had no effect, the feature availability variable had a negative effect, the security variable had a significant positive effect on the interest in using the BSI mobile banking application, and the results of the F-Test showed that simultaneously, the independent variable (perceived ease of use, perceived effectiveness,  feature availability, and security) have a significant effect on interest in using BSI mobile banking. With the conclusion that perceived ease of use significantly increases customer interest in using BSI mobile banking in Malang City, while perceived effectiveness, feature availability, and security do not have a significant influence partially, but simultaneously these four variables significantly increase customer interest.

Article Details

How to Cite
DETERMINANT  OF THE CUSTOMER INTEREST FACTOR IN USING BSI MOBILE BANKING. (2024). I-Finance: A Research Journal on Islamic Finance, 10(1), 170-187. https://doi.org/10.19109/ttgdjf69
Issue
Vol. 10 No. 1 (2024): I-FINANCE: a Research Journal on Islamic Finance
Section
Artikel

Lisensi Creative Commons
I-Finance by http://jurnal.radenfatah.ac.id/index.php/I-Finance is lincensed under a Creative Commons Attribution-ShareAlike 4.0 International Lisence.

How to Cite

DETERMINANT  OF THE CUSTOMER INTEREST FACTOR IN USING BSI MOBILE BANKING. (2024). I-Finance: A Research Journal on Islamic Finance, 10(1), 170-187. https://doi.org/10.19109/ttgdjf69

References

A, Fahrudi, A, Rahimah, N, W. (2023). Pengaruh Persepsi Keamanan, Ketersediaan Fitur, Norma Subjektif Terhadap Loyalitas Melalui Keputusan Penggunaan Mobile Banking. Jurnal Ilmu Manajemen (JIMMU), 8(2), 217-231.

Abdullah, Prof. M. (2015). Living in the world that is fit for habitation : CCI’s ecumenical and religious relationships. In Aswaja Pressindo.

Adi Ahdiyat. (2023). Transaksi Digital Banking di Indonesia Tumbuh 158% dalam 5 Tahun Terakhir. Kata Data Media Nertwork. https://databoks.katadata.co.id/datapublish/2023/07/05/transaksi-digital-banking-di-indonesia-tumbuh-158-dalam-5-tahun-terakhir

Amamilah, Siti; Mulyadi, Dedi; Sandi, S. P. H. (2024). The Effect Of Perception Of Ease Of Use, Perception Of Effectiveness, And Perception Of Benefits On Interest In Use Of Qris As A Payment Transaction Tool For Students Of Buana Perjuangan University Karawang. Journal of Economic, Business and Accounting, 7.

Badan Pusat Statistik. (2023). Indeks Pembangunan Teknologi Informasi dan Komunikasi 2022. Badan Pusat Statistik. https://www.bps.go.id/id/publication/2023/09/29/cfa3a7c9e8b2397799ec6bb3/indeks-pembangunan-teknologi-informasi-dan-komunikasi-2022.html

Bangkara, R. P., Putu, N., & Harta, S. (2016). Pengaruh Perceived Usefulness Dan Perceived Ease Of Use Pada Minat Penggunaan Internet Banking Dengan Attitude Toward Using Sebagai Variabel Intervening .E-Jurnal Akuntansi Universitas Udayana. 16, 2408–2434.

BSI. (2022). Informasi lengkap tentang Tentang Kami perusahaan Bank Syariah Indonesia. Bankbsi.co.id. https://www.bankbsi.co.id/company-information/tentang-kami

CNBC Indonesia. (2023). BSI Diserang Ransomware, Nasib Uang Nasabah Gimana? CNBC Indonesia. https://www.cnbcindonesia.com/tech/20230510174928-37-436279/bsi-diserang-ransomware-nasib-uang-nasabah-gimana

Danuri, M. (2019). Perkembangan Dan Transformasi. Jurnal ilmiah infokam, 15(2).

Fachreza, J. A. et al. (2022). Effect of Perceived Usefulness And Perceived Ease Of Use On Intention To Use Mobile Banking (Brimo) With Attitude As Intervening Variable (Study At Lubuk Basung Sub-Branch Office Of PT. Bank Rakyat Indonesia). Journal of Management.

Faza, A. Z. (2023). Pengaruh Perceived Ease Of Use, Perceived Usefulness, Keamanan Dan Kepercayaan Terhadap Minat Dalam Menggunakan Aplikasi Bibit Di Kota Malang. (Doctoral dissertation, Universitas Islam Negeri Maulana Malik Ibrahim)

Harianto, H. (2021). Pengaruh Persepsi Kemudahan Penggunaan ( Ease Of Use ), Kenyamanan ( Convenience ), Kepercayaan ( Trust ) Dan Ketersediaan Fitur ( Feature Availability ) Terhadap Minat Nasabah Dalam Menggunakan Internet Banking Klik BCA ( Studi Kasus Pada Nasabah PT Bank . Jurnal Ilmiah Bisnis Elektronik, 1(1), 69-80.

Haris, A. (2022). Expanding The Technology Acceptance Model ( TAM ) To Investigate E-Learning Usage Behavior During The COVID-19 Pandemic. Islamic Higher Education Institution ( IHEI ) context. 15(1), 1885–1903. https://doi.org/10.2478/bjlp-2022-00120

Husnayetti; Sestri, E. (2019). Keamanan , Kepercayaan Dan Kemudahan Terhadap Minat Menggunakan Online Banking Generasi X, Y, Dan Z. Jurnal Riset Akuntansi dan Manajemen, 8(2), 175-182.

Indonesia, C. (2022). BSI Masuk Dalam Jajaran 5 Bank Terbaik Indonesia. CNBC Indonesia. https://www.cnbcindonesia.com/market/20220415201557-17-332041/bsi-masuk-dalam-jajaran-5-bank-terbaik-indonesia

Iqbal, J., & Urrahmah, I. (2021). Pengaruh Kemudahan Dan Ketersediaan Fitur terhadap Penggunaan Mobile Banking. Global Financial Accounting Journal, 5(2), 25-36.

Kahar, A., Wardi, Y., & Patrisia, D. (2019). The Influence of Perceived Usefulness , Perceived Ease of Use , and Perceived Security on Repurchase Intention at Tokopedia . com. 64, In 2nd Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-2 2018) (pp. 145-154).

Marisa, O. (2020). Persepsi Kemudahan Penggunaan , Efektivitas , Dan Risiko Berpengaruh Terhadap Minat Bertransaksi Menggunakan Financial Technology. Jurnal Administrasi Kantor, 8(2), 139–152.

Marthauli; R, Mirati; Rahmanita, V. (2021). Pengaruh Ketersediaan Fitur Layanan Dan Kualitas Pelayanan Terhadap Minat Nasabah Dalam Menggunakan BCA Mobile di Wilayah Jabodetabek. Account: Jurnal Akuntansi, Keuangan dan Perbankan, 8(1).

Maulidya, N. (2022). Efektivitas Terhadap Minat Masyarakat Menggunakan Platform Crowdfunding Berbasis QR Code. I, 325–354.

Mustika, N., & Puspita, R. E. (2021). Analysis Of Factors Influencing The Intention To Use Bank Syariah Indonesia Mobile Banking With Trust As Mediation. Dinar : Jurnal Ekonomi Dan Keuangan Islam, 7(2), 14–35. https://doi.org/10.21107/dinar.v7i2.9995

Nisa, Ulfa Khoirun; Solekah, N. A. (2022). The Influence of TAM, Social influence, Security Relationship Toward Intention to Use E Wallet through Attitude and Trust Ulfa. Jurnal Ekonomi dan Bisnis Islam, 18(1), 35-50.

Noviyanti, Akhnes & Erawati, T. (2021). Pengaruh Persepsi Kemudahan, Kepercayaan dan Efektivitas terhadap Minat Menggunakan Financial Technology (Fintech) (Studi Kasus: UMKM di Kabupaten Bantul). Jurnal Ilmiah Akuntansi Dan Finansial Indonesia, 4(2), 65-74.

Nugroho, I. Y., & M.Pudjihardjo. (2022). Pengaruh Persepsi Kemudahan, Persepsi Kegunaan, Ketersediaan Fitur Dan Literasi Keuangan Terhadap Preferensi Konsumen Menggunakan BSI Mobile. Islamic Economics and finance in Focus, 1(2), 135-147.

Nursukma, H., Farida, U., & Widhianingrum, W. (2021). Pengaruh Kepercayaan , Keamanan Data , Kualitas Pelayanan , dan Persepsi Resiko Menggunakan E-Commerce Terhadap Keputusan Pembelian Online ( Survei Pada Pengguna Tokopedia Di Ponorogo ). 5(2), 214–227.

Pambudi, A. R. (2019). Analisa Perceived Ease Of Use Dan Perceived Usefulness Terhadap Behavior Intention Pada Aplikasi OVO. Jurnal Strategi Pemasaran, 6(2), 10.

Prasetya, H & Putra, S. E. (2020). Pengaruh Persepsi Kemudahan , Manfaat Dan Risiko Pada Minat Penggunaan E-Money Di Surabaya. Jurnal Dinamika Ekonomi Dan Bisnis, 17(2), 151-158.

Rohmah, I. L., Ibdalsyah, I., & Kosim, A. M. (2020). Pengaruh Persepsi Kemudahan Berdonasi, Dan Efektifitas Penyaluran Menggunakan Fintech Crowdfunding Terhadap Minat Membayar Zakat, Infaq, Shadaqah. Kasaba: Jurnal Ekonomi Islam, 13(1), 42-51.

Sandy, eko & Firdausy, Carunia, M. (2020). Pengaruh Perceived Usefulness, Perceived Ease Of Use Dan Trust Terhadap Minat Konsumen Dalam Penggunaan Ulang Go-Pay Di Kota Jakarta. Jurnal Manajemen Bisnis Dan Kewirausahaan, 5(1), 22-27.

Sudono, F. S., Adiwijaya, M., & Siagian, H. (2020). The Influence of Perceived Security and Perceived Enjoyment on Intention to Use with Attitude Towards Use as Intervening Variable on Mobile Payment Customer in Surabaya. Petra International Journal of Business Studies, 3(1), 37-46.

Sugiyono. (2016). Metode Penelitian Kuantitatif Kualitatif Dan R&D. Alfabeta, Bandung.

Sujarweni, V. W. (2019). Metodologi Penelitian Bisnis & Ekonomi. Pustaka Baru Press.

Sulmi, A. A. K., Awaluddin, M., Gani, I., & Kara, M. (2021). Pengaruh Persepsi Kegunaan, Kemudahan, Dan Keamanan Terhadap Minat Menggunakan Layanan Mobile Banking (Studi Empiris Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam UIN Alauddin Makassar). Islamic Banking, Economic and Financial Journal, 1(2).

Tamia, P. A. (2023). Pengaruh Kemudahan , Ketersediaan Fitur dan Keamanan terhadap Minat Nasabah dalam Menggunakan Aplikasi Jenius di Wilayah Jabodetabek. In Seminar Nasional Akuntansi dan Manajemen PNJ (Vol. 4, No. 1).

Utami, M. K. (2021). Pengaruh Kepercayaan, Kegunaan, Keamanan Terhadap Minat Menggunakan Mobile Payment Linkaja Dengan Kemudahan Sebagai Variable Mediasi (Studi Pada Mahasiswa di Yogyakarta). Jurnal Ilmiah Manajemen Kesatuan, 9(2), 111-120.

Wicaksono, A. T. S., Mufraini, A., Miranti, T., & Muttaqien, M. K. (2023). Bitcoin Vs Gold: Which One is the Most Powerful in Boosting the Shariah Equity Index? Global Evidence. Studies in Business and Economics, 18(1), 5–36. https://doi.org/10.2478/sbe-2023-0001

Wicaksono, A. T. S., & Trisasmita, R. (2018). Pelayanan Asuransi Jiwa Syariah: Sudahkah Sesuai Harapan?. Kordinat: Jurnal Komunikasi antar Perguruan Tinggi Agama Islam, 17(2), 303-324.