Pengaruh Efisiensi, Keamanan dan Kemudahan Terhadap Minat Nasabah Bertransaksi Menggunakan Byond by BSI (BSI KCP Sungai Penuh)
Keywords:
Efficiency, Security, Ease of use, Customer Intention, Byond by BSI.
Abstract
This study aims to analyze the influence of efficiency, security, and ease of use on customers’ intention to conduct transactions using Byond by BSI at BSI KCP Kota Sungai Penuh. The background of this study is based on the relatively low level of interest in using mobile banking services, even though such services are intended to improve the effectiveness of customer transactions. The theoretical framework of this study is based on Consumer Behavior Theory, the Technology Acceptance Model (TAM), and the Theory of Planned Behavior (TPB), and is supported by previous studies showing that efficiency, security, and ease of use are important factors in the adoption of digital banking technology. This study employed a quantitative approach with a descriptive associative method. Data were collected through questionnaires and analyzed using SEM-PLS to test validity, reliability, and the relationships among variables. The results indicate that customers’ perceptions of efficiency, security, and ease of use are at a moderate level, but not yet optimal. These findings suggest that improvements in these three aspects are necessary to encourage customers’ intention to use Byond by BSI more effectively. Thus, efficiency, security, and ease of use are important factors in the development of Islamic mobile banking services.
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Ahmad Hijri Alfian and Dian Essa Nugrahini, “Religiusitas, Pelayanan Terbaik, Dan Promosi Sebagai Faktor Keputusan Nasabah Untuk Saving Money Di Perbankan Syariah,” Jurnal Stie Semarang (Edisi Elektronik) 16, no. 1 (2024): 86–99.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Digital banking adoption: A literature review and research agenda. Journal of Business Research, 70, 13-25.
Al-Qur'an Al-Karim, Surah Al-Baqarah: 282 (terjemahan Kemenag RI).
Anjani, R. (2024). Pengaruh sikap, norma subjektif dan kontrol perilaku terhadap minat penggunaan mobile banking. Jurnal Ilmu Manajemen, 15(1), 45-60.
Badan Siber dan Sandi Negara (BSSN). (2024). Laporan Insiden Siber Nasional 2024. BSSN.
Bersama ID. (2025). Ancaman keamanan mobile banking dan solusi teknologi.
Chawla, D., & Joshi, H. (2019). Factors influencing adoption of mobile banking: An empirical study. International Journal of Bank Marketing, 37(3), 743-765.
Dahiya, K., & Singh, G. (2021). Mobile banking adoption impact of efficiency, security and ease of use. Management Research Review, 44(4), 565-585.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.
Dewi. (2023). Pengaruh kemudahan penggunaan mobile banking saat pandemi.
Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Addison-Wesley.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2018). Multivariate data analysis (Edisi ke-8). Cengage Learning.
Hengky Latan Ghozali, Imam, “Konsep, Teknik, Aplikasi Menggunakan Smart PLS 3.0 Untuk Penelitian Empiris. BP Undip. SemarangHarnanto. 2017. Akuntansi Biaya: Sistem Biaya Historis. Yogyakarta: BPFE.,” 2015.
InfraSec. (2025). Arsitektur zero trust pada mobile banking.
J F Hair Jr. et al., Multivariate Data Analysis, Multivariate Data Analysis, Book, vol. 87, 2019, www.cengage.com/highered.
Jörg Henseler, Christian M Ringle, and Marko Sarstedt, “A New Criterion for Assessing Discriminant Validity in Variance-Based Structural Equation Modeling,” Journal of the Academy of Marketing Science 43 (2015): 115–35.
Junaedi. (2023). Preferensi nasabah terhadap kemudahan akses mobile banking.
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310-322.
Latan and Ghozali.
Laudon, K. C., & Laudon, J. P. (2020). Management information systems: Managing the digital firm (16th ed.). Pearson.
M B A Riduwan, “Metode Dan Teknik Menyusun Tesis,” Bandung: Alfabeta, 2010.
Marko Sarstedt, Christian M Ringle, and Joseph F Hair, “Partial Least Squares Structural Equation Modeling,” in Handbook of Market Research (Springer, 2021), 587– 632.
Marwanto, T. (2019). Model teori perilaku terencana dan technology acceptance model dalam penggunaan mobile banking di Indonesia. Jurnal Teknologi Informasi, 11(2), 98-110.
Maryam. (2023). Persepsi kemudahan dan norma subjektif pada mobile banking.
Nardin. (2024). Sinergi kemudahan dan keamanan mobile banking.
Natalia Ririn Furadantin, “Analisis Data Menggunakan Aplikasi Smartpls v. 3.2.7 2018,” Jurnal Manajemen 1, no. 1 (2018): 1–18.
Otoritas Jasa Keuangan (OJK). (2024). Laporan Statistik Perbankan Syariah 2024. OJK.
Pasartrainer. (2025). Penggunaan kecerdasan buatan dalam keamanan mobile banking. Jurnal Teknologi Keamanan Siber, 3(1), 22-35.
Pendidikan Pendekatan Kuantitatif, “Metode Penelitian Kunatitatif Kualitatif Dan R&D,” Alfabeta, Bandung, 2016.
Prof. Dr Sugiyono., Metode Penelitian Kuantitatif., 2018
Ramadansyah, F. (2023). Pengaruh kontrol perilaku dan norma sosial terhadap minat menggunakan mobile banking. Jurnal Psikologi Industri dan Organisasi, 7(1), 12-25.
Sianturi. (2024). Kepercayaan nasabah pada operasional mobile banking.
Siau, K., & Shen, Z. (2003). Building customer trust in mobile commerce. Communications of the ACM, 46(4), 91-94.
Sitanggang, H. (2024). Metode penelitian kuantitatif dan aplikasi dalam bidang teknologi finansial. Jurnal Metodologi Penelitian, 5(1), 70-85.
Sugiono, METODE PENELITIAN KUANTITATIF (Bandung, 2017).
Sugiyono. (2023). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Sukaria Sinulingga, “Metode Penelitian Edisi 3,” Medan: USU Pres, 2013.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157-178.
Wangsanegara. (2024). Metode survei pada penelitian perbankan.
Waruwu, J. (2025). Teknik purposive sampling dalam penelitian kuantitatif pada layanan perbankan elektronik. Jurnal Statistik dan Metodologi, 8(2), 55-68.
Wulandari, N. (2022). Dampak digitalisasi dan persepsi keamanan terhadap perilaku pengguna mobile banking di Indonesia. Jurnal Keuangan Digital, 4(3), 101-115.
Published
2026-10-16
How to Cite
Hasby Julhadi, M., ., U., & Yunus, M. (2026). Pengaruh Efisiensi, Keamanan dan Kemudahan Terhadap Minat Nasabah Bertransaksi Menggunakan Byond by BSI (BSI KCP Sungai Penuh). JOURNAL OF SHARIA ECONOMICS, 6(1), 127-137. https://doi.org/10.35896/jse.v6i1.1451
Section
Articles
