Electronic banking (e-banking) plays an important role in the broader digitalization process in the financial industry. Bank Syariah Indonesia (BSI Mobile) is a mobile banking service created to facilitate customers in making transactions anywhere. This study will discuss the variables that influence customer intentions to use m-banking. The first finding shows that perceived usefulness significantly influences attitudes toward the use of m-banking in Bank Syariah Indonesia. The second finding shows that perceived ease of use significantly influences attitudes toward m-banking in Bank Syariah Indonesia. The third finding shows that security and privacy significantly influence attitudes toward the use of m-banking significantly influence attitudes toward m-banking in Bank Syariah Indonesia. The fourth finding shows that attitudes significantly influence the intention to use m-banking in Bank Syariah Indonesia. The fifth finding shows that the intention to use significantly influences the actual use of m-banking in Bank Syariah Indonesia. The results of this study are believed to be able to help BSI management in formulating strategic policies related to m-banking marketing. This study examines the variables of usability, convenience, security, and privacy in attitudes that will influence the intention to use BSI Mobile users. The data analysis method used in this study is the Structural Equation Modeling (SEM) program with a total of 250 respondents who are active BSI Mobile users who use Google Forms. This study found that usability, convenience, security, and privacy on BSI Mobile influence the continuation of BSI Mobile use by users for banking transactions.

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Determinants of Mobile Banking Users at Bank Syariah Indonesia

  • Rizqi Fajar Adi Nugroho,
  • Anas Hidayat,
  • Lalu Supardin

摘要

Electronic banking (e-banking) plays an important role in the broader digitalization process in the financial industry. Bank Syariah Indonesia (BSI Mobile) is a mobile banking service created to facilitate customers in making transactions anywhere. This study will discuss the variables that influence customer intentions to use m-banking. The first finding shows that perceived usefulness significantly influences attitudes toward the use of m-banking in Bank Syariah Indonesia. The second finding shows that perceived ease of use significantly influences attitudes toward m-banking in Bank Syariah Indonesia. The third finding shows that security and privacy significantly influence attitudes toward the use of m-banking significantly influence attitudes toward m-banking in Bank Syariah Indonesia. The fourth finding shows that attitudes significantly influence the intention to use m-banking in Bank Syariah Indonesia. The fifth finding shows that the intention to use significantly influences the actual use of m-banking in Bank Syariah Indonesia. The results of this study are believed to be able to help BSI management in formulating strategic policies related to m-banking marketing. This study examines the variables of usability, convenience, security, and privacy in attitudes that will influence the intention to use BSI Mobile users. The data analysis method used in this study is the Structural Equation Modeling (SEM) program with a total of 250 respondents who are active BSI Mobile users who use Google Forms. This study found that usability, convenience, security, and privacy on BSI Mobile influence the continuation of BSI Mobile use by users for banking transactions.