Publisher

POLSRIPOLSRI

Journal International Journal of Advanced Research in Social StudiesInternational Journal of Advanced Research in Social Studies Abstract

This research was motivated by customer interest in mobile banking which is continues to increase, especially during the pandemic Covid 19. The purpose of this research is to find out how the influence of each variable of convenience, benefit and risk either partially or simultaneously on customers interest by using mobile banking. The sample in this research was customers of Bank BNI 46 Musi Palembang, there were totally 100 peoples during took for research samples. This research methods use multiple linear regression. The datas quality testing was done by Validity and Reability tests. The hypothesis tested was done by t test, f test and determinant (R2). The results of this research has indicate that the variables of convenience, benefits and risks either partially or simultaneously affect customer interest by using mobile banking. Based on the validity tested obtained the value of Signifacant (2-tailed) 0.000 is smaller than 0.05, its mean valid, and r count (person correlation) is greater than r tabel (0.1966) so that the item or question was valid. While based on reability, Cronbachs Alpha > 0.60 mean tha the datas was realiabled. The coefficient of Determination (R2) obtained 1s 0.719 mean that 71.9 percent of customer interest was influenced such as convience, benefits and risk variables, while remaining 28.1 percent was explained by other variables. And the R value (correlation coefficient) of 0.848 mean that there were a strong relation between variables.

Conclusion

The research concludes that convenience, benefit, and risk variables significantly and positively influence customer interest in using mobile banking.Simultaneously, these three variables also have a significant positive effect on customer interest.The study highlights the importance of these factors in driving customer adoption and usage of mobile banking services at BNI 46 Musi Palembang Branch.

Future Research

Penelitian lebih lanjut dapat dilakukan untuk mengeksplorasi faktor-faktor lain yang mungkin memengaruhi minat nasabah dalam menggunakan mobile banking, seperti tingkat literasi digital, kepercayaan terhadap keamanan sistem perbankan, dan pengaruh norma sosial. Selain itu, studi komparatif dapat dilakukan dengan membandingkan minat nasabah di berbagai cabang BNI 46 atau bahkan dengan bank lain untuk mengidentifikasi praktik terbaik dan perbedaan regional. Terakhir, penelitian kualitatif, seperti wawancara mendalam dengan nasabah, dapat memberikan wawasan yang lebih mendalam tentang pengalaman dan persepsi mereka terhadap mobile banking, sehingga membantu bank dalam merancang layanan yang lebih sesuai dengan kebutuhan dan harapan nasabah. Penelitian-penelitian ini diharapkan dapat memberikan kontribusi signifikan bagi pengembangan strategi pemasaran dan peningkatan kualitas layanan mobile banking di masa depan, serta memperluas pemahaman tentang perilaku konsumen dalam konteks perbankan digital.

References

1. THE DESCRIPTIVE ANALYSIS OF THE SERVICE QUALITY DIMENSION OF MOBILE BANKING (M-BANKING) ON THE SATISFACTION... e-journal.unair.ac.id/JESTT/article/view/18884THE DESCRIPTIVE ANALYSIS OF THE SERVICE QUALITY DIMENSION OF MOBILE BANKING M BANKING ON THE SATISFACTION e journal unair ac JESTT article view 18884

Metadata

File size	472.62 KB
Pages	16
DMCA	Report