ANALISIS EFEKTIVITAS PENERAPAN MOBILE BANKING LIVIN DALAM MENARIK MINAT NASABAH (STUDI PADA BANK MANDIRI KCP SOLO SLAMET RIYADI)
Keywords:
mobile banking, livin, customer interestAbstract
This study aims to determine the effect of performance expectancy, effort expectancy, social influence, facilitating conditions and security simultaneously on customer interest (Study at Bank Mandiri KCP Solo Slamet Riyadi). This type of quantitative research with a survey method approach, sampling techniques using purposive sampling, and calculated using the Slovin formula, so that a research sample of 222 customers was obtained. Data collection techniques using questionnaires, and data analysis using multiple linear regression. Performance expectancy, effort expectancy, social influence, facilitating conditions and security have a positive and significant effect both partially and simultaneously on customer interest. The results show that effort expectations are the most important aspect in supporting customer interest, so the ease and convenience of operating e-banking must be improved.
References
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Ghozali, I. (2016). Aplikasi Analisis Multivariate dengan Program IBM SPSS 23. Semarang: Badan Penerbit Universitas Diponegoro.
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Livin by Mandiri. Diakses 04/05/2024 from https://bankmandiri.co.id/
Martínez-Navalón, J-G., María, F-F., & Fernanda, P.A. (2023). Does privacy and ease of use infuence user trust in digital banking applications in Spain and Portugal?. International Entrepreneurship and Management Journal, 19, p. 781–803. https://doi.org/10.1007/s11365-023-00839-4.
Mufarih, M., Riyanto, J., & Yovin, S. (2020). Factors Influencing Customers to Use Digital Banking Application in Yogyakarta, Indonesia. Journal of Asian Finance, Economics and Business, 7(10), p. 897–907. doi:10.13106/jafeb.2020.vol7.no10.897.
Murti, B. (2016). Prinsip dan Metode Riset Epidemiologi. Cetakan I. Surakarta: Yuma Pustaka.
Mutiasari, A.I. (2020). Perkembangan Industri Perbankan di Era Digital. Ekonomi Bisnis dan Kewirausahaan, IX(2), p. 33-41.
Muttaqien., M.K., Moh Khoirul, A., Tajudin, M., & Hamli, S. (2023). Penerimaan Mobile Banking di Kalangan Nasabah Perbankan Syariah. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(5), p. 2643 – 2652. DOI: 10.47467/alkharaj.v5i5.2622.
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Raza, S. A., Shah, N., & Ali, M. (2018). Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), p. 357–376. https://doi.org/10.1108/JIMA-04-2017-0038.
Reddy, A.K., & Megharaja, B. (2021). Impact of E-Banking on Customer Satisfaction. Palarch’s Journal of Archaeology of Egypt/Egyptology, 18(8), p. 4220-4231.
Sarwono, J. (2015). Rumus-rumus Populer dalam SPSS 22 untuk Riset Skripsi. Yogyakarta: Andi.
Satria, D., & Atika. (2023). Strategi Dalam Meningkatkan Kualitas Layanan SMS Banking di PT. Bank Sumut Syariah KC Medan Katamso. Jurnal Manajemen Akuntansi (JUMSI), 3(2), p. 874-883.
Sekaran, U., & Bougie, R, (2017). Metode Penelitian untuk Bisnis: Pendekatan Pengembangan-Keahlian. Edisi 6, Buku 1, Cetakan Kedua. Jakarta Selatan: Salemba Empat.
Souiden, N., Ladhari, R., & Chaouali, W. (2021). Mobile banking adoption: a systematic review. International Journal of Bank Marketing, 39(2), p. 214–241.
Sugiyono. 2020. Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.
Sung, H-N., Dae-Yul, J., Yeon-Su, J., & Jae-Ik, S. (2015). he Relationship among Self-Efficacy, Social Influence, Performance Expectancy, Effort Expectancy, and Behavioral Intention in Mobile Learning Service. International Journal of u- and e- Service, Science and Technology, 8(9), p. 197-206. http://dx.doi.org/10.14257/ijunesst.2015.8.9.21.
Suryaningprang, A. (2023). Finacial Technology. Cetakan Pertama. Bandung: CV. Aksara Global Akademia.
Tarhini, A., El-Masri, M., Ali, M., & Serrano, A. (2016). Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon. Information Technology & People, 29(4), p. 830–849. https://doi.org/10.1108/ITP-02-2014-0034.
Teo, A.-C., Tan, G. W.-H., Ooi, K.-B., Hew, T.-S., & Yew, K.-T. (2015). The effects of convenience and speed in m-payment. Industrial Management & Data Systems, 115(2), p. 311–331. https://doi.org/10.1108/IMDS-08-2014-0231.
Theiri, S., & Alareeni, B. (2021). Perception of the digital transformation as a strategic advantage through the Covid 19 crisis? case of Tunisian banks. Journal of Sustainable Finance & Investment, 1–22. https://doi.org/10.1080/20430795.2021.1964809.
Ulya, F.N., Qoyyimah., Kharis, F.H. (2022). Analysis of Customer Interest and Satisfaction Toward BSI Mobile Banking Service. Al-bank: Journal Islamic Banking and Finance, 2(2), p. 113-128. http://ojs.iainbatusangkar.ac.id/ojs/index.php/Albank.
Umar, H. (2017). Metode Riset Perilaku Konsumen Jasa. Jakarta: Ghalia Indonesia.
Usman, O., Terrylina, A.M., & Marsofiyati. (2020). E-Banking and mobile banking effects on customer satisfaction. Accounting, 6, p. 1117–1128. doi: 10.5267/j.ac.2020.7.006.
Utami, W., Ika, D.R., Trisma, K., Yulia, B., Tasnim, M., Hanifah, A., Rizka, A.N.A., & Niken, S. (2023). Pengaruh Persepsi Risiko, Kepercayaan dan Keamanan Terhadap Minat Menggunakan BSI (Bank Syariah Indonesia) Mobile. Academica: Journal of Multidisciplinary Studies, 7(1), p. 1-22.
Yaseen, S. G., Ali, I., Qirem, E., & Dajani, D. (2021). Islamic mobile banking smart services adoption and use in Jordan adoption. ISRA International Journal of Islamic Finance Emerald Publishing Limited. https://doi.org/10.1108/IJIF-04-2021-0065.
Alawiyah, A., Yana, F.B., & Dian, P. (2023). Efektivitas Pelayanan Online Menggunakan Livin’ by Mandiri di PT Bank Mandiri Area Sukabumi. Decision: Jurnal Administrasi Publik, 5(1), p. 14-21.
Aziz, M.Al., Mukhsinun., & Niken, L. (2022). Analisis terhadap Manfaat Penggunaan Layanan Mobile Banking Bagi Nasabah Bank Syariah Indonesia (BSI) Kcp Gombong Kebumen. Journal of Management, Economics, and Entrepreneur, 1(2), p. 219-242. https://ejournal.iainu-kebumen.ac.id/index.php/maen.
Bank Indonesia. (2019). Blueprint Sistem Pembayaran Indonesia 2025-Bank Indonesia: Menavigasi Sistem Pembayaran Nasional di Era Digital. © Bank Indonesia. Jakarta.
Bank Indonesia. (2020). Kanal dan layanan: QRIS. Diakses 04/05/2024 from https://www.bi.go.id/QRIS/default.aspx.
Bank Indonesia. (2022). Statistik Sistem Pembayaran dan Infrastruktur Pasar Keuangan (SPIP) Januari 2022. © Bank Indonesia. Jakarta.
Connor, N. O., Lowry, P. B., & Treiblmaier, H. (2020). Interorganizational cooperation and supplier performance in high-technology supply chains. Heliyon, 6(3), e03434. https://doi.org/10.1016/j.heliyon.2020.e03434.
Cooper, & Schindler. 2014. Business Research Methods. (12th Ed.). New York, NY, US: McGraw-Hill Irwin.
Dewi, I.GA.R.P. (2021). Attitude of Technology and Their Impact on Interest of Internet Banking. International Journal of Environmental, Sustainability, and Social Sciences, 2(3), p. 184-192. https://journalkeberlanjutan.com/index.php/ijesss.
Evi, T & Widarto, R. (2022). Partial Least Squares (Teori dan Praktek). Cetakan Pertama. CV. Tahta Media Group. Surakarta.
Ghozali, I. (2016). Aplikasi Analisis Multivariate dengan Program IBM SPSS 23. Semarang: Badan Penerbit Universitas Diponegoro.
Hair, J.F, Hult, G.T.M, Ringle, C.M., & Sarstedt, M. 2017. A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (2nd ed.). Thousand Oaks, CA, US: SAGE Publications.
Hajj, R. (2023). Faktor-faktor yang Mempengaruhi Minat Nasabah dalam Menggunakan Mobile Banking (BSI Mobile) KC Diponegoro Banda Aceh. Skripsi. Fakultas Ekonomi dan Bisnis Islam. Universitas Islam Negeri Ar-Raniry. Banda Aceh.
Harahap, Z. (2020). Pengaruh Pelayanan M-Banking Terhadap Kepuasan Nasabah Pada Bank Syariah Mandiri Kota Prabumulih. Islamic Banking: Jurnal Pemikiran dan Pengembangan Perbankan Syariah, 6(1), p. 101-118. DOI. 10.36908/isbank.
Hasanah, A. (2022). Analisis Efektivitas Penerapan Mobile Banking Dalam Menarik Minat Nasabah (Studi Pada BSI KCP Kuala Batee Aceh Barat Daya). Skripsi. Fakultas Ekonomi dan Bisnis Islam. Universitas Islam Negeri Ar-Raniry. Banda Aceh.
Kementerian Koordinator Bidang Perekonomian. (2024). Kerangka Acuan Kerja. Pengadaan Tenaga Pendukung/ Pegawai Tidak Tetap (PTT) Bidang Hukum Kegiatan Koordinasi Percepatan Pengembangan Ekonomi Digital Nasional 2023-2030. Jakarta.
Kholid, M. N. (2019). Determinants of intention to use Islamic mobile banking: Evidence from millennial generation. Jurnal Ekonomi & Keuangan Islam, 5(2), p. 53–62. https://doi.org/10.20885/jeki.vol5.iss2.art2.
Kominfo (Kementerian Komunikasi dan Informatika). (2019). Dinamika Data Aplikasi Informatika 2019. Direktorat Jenderal Aplikasi Informatika. Kementerian Komunikasi dan Informatika. Jakarta Pusat.
Liniarti, S., & Rizky, S.A.N. (2023). Analysis of factors influencing interest in the use of mobile Banking. Enrichment: Journal of Management, 13(3), p. 1945-1951. Journal homepage: www.enrichment.iocspublisher.org.
Livin by Mandiri. Diakses 04/05/2024 from https://bankmandiri.co.id/
Martínez-Navalón, J-G., María, F-F., & Fernanda, P.A. (2023). Does privacy and ease of use infuence user trust in digital banking applications in Spain and Portugal?. International Entrepreneurship and Management Journal, 19, p. 781–803. https://doi.org/10.1007/s11365-023-00839-4.
Mufarih, M., Riyanto, J., & Yovin, S. (2020). Factors Influencing Customers to Use Digital Banking Application in Yogyakarta, Indonesia. Journal of Asian Finance, Economics and Business, 7(10), p. 897–907. doi:10.13106/jafeb.2020.vol7.no10.897.
Murti, B. (2016). Prinsip dan Metode Riset Epidemiologi. Cetakan I. Surakarta: Yuma Pustaka.
Mutiasari, A.I. (2020). Perkembangan Industri Perbankan di Era Digital. Ekonomi Bisnis dan Kewirausahaan, IX(2), p. 33-41.
Muttaqien., M.K., Moh Khoirul, A., Tajudin, M., & Hamli, S. (2023). Penerimaan Mobile Banking di Kalangan Nasabah Perbankan Syariah. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(5), p. 2643 – 2652. DOI: 10.47467/alkharaj.v5i5.2622.
OJK (Otoritas Jasa Keuangan). (2019). Buku 2 Perbankan: Seri Literasi Keuangan Perguruan Tinggi. Anggota Dewan Komisioner Bidang Edukasi dan Perlindungan Konsumen, Otoritas Jasa Keuangan. Menteri Riset, Teknologi, dan Pendidikan Tinggi. Jakarta.
Parmar, N., Nitin, S.K., & Akansh, A.P. (2024). The Rise of Mobile Banking and Its Impact on Traditional Banking Services. Educational Administration: Theory and Practice, 30(4), p. 3945-3955. Doi: 10.53555/kuey.v30i4.2148.
Raza, S. A., Shah, N., & Ali, M. (2018). Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), p. 357–376. https://doi.org/10.1108/JIMA-04-2017-0038.
Reddy, A.K., & Megharaja, B. (2021). Impact of E-Banking on Customer Satisfaction. Palarch’s Journal of Archaeology of Egypt/Egyptology, 18(8), p. 4220-4231.
Sarwono, J. (2015). Rumus-rumus Populer dalam SPSS 22 untuk Riset Skripsi. Yogyakarta: Andi.
Satria, D., & Atika. (2023). Strategi Dalam Meningkatkan Kualitas Layanan SMS Banking di PT. Bank Sumut Syariah KC Medan Katamso. Jurnal Manajemen Akuntansi (JUMSI), 3(2), p. 874-883.
Sekaran, U., & Bougie, R, (2017). Metode Penelitian untuk Bisnis: Pendekatan Pengembangan-Keahlian. Edisi 6, Buku 1, Cetakan Kedua. Jakarta Selatan: Salemba Empat.
Souiden, N., Ladhari, R., & Chaouali, W. (2021). Mobile banking adoption: a systematic review. International Journal of Bank Marketing, 39(2), p. 214–241.
Sugiyono. 2020. Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.
Sung, H-N., Dae-Yul, J., Yeon-Su, J., & Jae-Ik, S. (2015). he Relationship among Self-Efficacy, Social Influence, Performance Expectancy, Effort Expectancy, and Behavioral Intention in Mobile Learning Service. International Journal of u- and e- Service, Science and Technology, 8(9), p. 197-206. http://dx.doi.org/10.14257/ijunesst.2015.8.9.21.
Suryaningprang, A. (2023). Finacial Technology. Cetakan Pertama. Bandung: CV. Aksara Global Akademia.
Tarhini, A., El-Masri, M., Ali, M., & Serrano, A. (2016). Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon. Information Technology & People, 29(4), p. 830–849. https://doi.org/10.1108/ITP-02-2014-0034.
Teo, A.-C., Tan, G. W.-H., Ooi, K.-B., Hew, T.-S., & Yew, K.-T. (2015). The effects of convenience and speed in m-payment. Industrial Management & Data Systems, 115(2), p. 311–331. https://doi.org/10.1108/IMDS-08-2014-0231.
Theiri, S., & Alareeni, B. (2021). Perception of the digital transformation as a strategic advantage through the Covid 19 crisis? case of Tunisian banks. Journal of Sustainable Finance & Investment, 1–22. https://doi.org/10.1080/20430795.2021.1964809.
Ulya, F.N., Qoyyimah., Kharis, F.H. (2022). Analysis of Customer Interest and Satisfaction Toward BSI Mobile Banking Service. Al-bank: Journal Islamic Banking and Finance, 2(2), p. 113-128. http://ojs.iainbatusangkar.ac.id/ojs/index.php/Albank.
Umar, H. (2017). Metode Riset Perilaku Konsumen Jasa. Jakarta: Ghalia Indonesia.
Usman, O., Terrylina, A.M., & Marsofiyati. (2020). E-Banking and mobile banking effects on customer satisfaction. Accounting, 6, p. 1117–1128. doi: 10.5267/j.ac.2020.7.006.
Utami, W., Ika, D.R., Trisma, K., Yulia, B., Tasnim, M., Hanifah, A., Rizka, A.N.A., & Niken, S. (2023). Pengaruh Persepsi Risiko, Kepercayaan dan Keamanan Terhadap Minat Menggunakan BSI (Bank Syariah Indonesia) Mobile. Academica: Journal of Multidisciplinary Studies, 7(1), p. 1-22.
Yaseen, S. G., Ali, I., Qirem, E., & Dajani, D. (2021). Islamic mobile banking smart services adoption and use in Jordan adoption. ISRA International Journal of Islamic Finance Emerald Publishing Limited. https://doi.org/10.1108/IJIF-04-2021-0065.
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ANALISIS EFEKTIVITAS PENERAPAN MOBILE BANKING LIVIN DALAM MENARIK MINAT NASABAH (STUDI PADA BANK MANDIRI KCP SOLO SLAMET RIYADI). (2024). Dinamika: Jurnal Manajemen Sosial Ekonomi, 4(2), 192-206. https://journal.stiestekom.ac.id/index.php/dinamika/article/view/557
