JURNALDIALEKTIKAJURNALDIALEKTIKA

Jurnal Dialektika: Jurnal Ilmu SosialJurnal Dialektika: Jurnal Ilmu Sosial

The development of digital services requires Islamic financial institutions to adapt by providing efficient and customer-oriented services. This study aims to analyze the service quality of the Mobile Maslahah application by Bank BJB Syariah using the Service Performance (SERVPERF) approach. This method assesses service quality through five key dimensions: tangibles, reliability, responsiveness, assurance, and empathy. A quantitative method was employed, using web scraping techniques to collect 2,349 user reviews from the Google Playstore platform. The reviews were processed through preprocessing, sentiment analysis, and keyword filtering to classify them into the SERVPERF dimensions. The results show that the empathy dimension achieved the highest average rating (4.61/5), followed by reliability (3.89/5), assurance (3.06/5), tangibles (2.93/5), and responsiveness (2.05/5). These findings indicate that Mobile Maslahah performs strongly in empathy and reliability, while improvements are needed in interface design and system responsiveness. It is recommended that developers enhance the apps usability, system stability, and user support mechanisms to strengthen customer trust and satisfaction.

Based on the analysis of the five dimensions of Service Performance, it can be concluded that the quality of digital services provided by the Maslahah Mobile application shows varying results, with strengths in empathy and reliability, and weaknesses in responsiveness.Overall, the application demonstrates good service performance in reliability and empathy, key strengths in building user trust and satisfaction.However, significant improvements are needed in responsiveness and tangibles, particularly in response speed, interface design, and user experience.Therefore, by improving these aspects and strengthening the security system, Mobile Maslahah has the potential to improve its overall service quality and solidify its position as a competitive and trusted digital banking application.

Penelitian lebih lanjut dapat dilakukan untuk mengeksplorasi dampak personalisasi layanan terhadap kepuasan dan loyalitas pengguna Mobile Maslahah, mengingat pentingnya aspek ini dalam layanan digital modern. Selain itu, studi komparatif dapat dilakukan dengan membandingkan kualitas layanan Mobile Maslahah dengan aplikasi mobile banking syariah lainnya di Indonesia, untuk mengidentifikasi praktik terbaik dan area yang perlu ditingkatkan. Terakhir, penelitian kualitatif, seperti wawancara mendalam dengan pengguna, dapat memberikan wawasan yang lebih mendalam tentang pengalaman pengguna dan harapan mereka terhadap layanan Mobile Maslahah, sehingga dapat membantu pengembang dalam merancang fitur dan layanan yang lebih relevan dan responsif terhadap kebutuhan pengguna. Penelitian-penelitian ini diharapkan dapat memberikan kontribusi signifikan dalam pengembangan layanan perbankan syariah digital yang lebih berkualitas dan berdaya saing.

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