Pengaruh Manfaat Dan Fitur Terhadap Keputusan Menggunakan Bank Digital Aladin Syariah Pada Mahasiswa

M. Nastian; Hansen Rusliani; Nova Erliyana

doi:10.35896/jse.v7i1.1498

M. Nastian UIN Sulthan Thaha Saifuddin Jambi
Hansen Rusliani UIN Sulthan Thaha Saifuddin Jambi
Nova Erliyana UIN Sulthan Thaha Saifuddin Jambi

DOI: https://doi.org/10.35896/jse.v7i1.1498

Keywords: benefits, features, decision to use, Islamic digital bank, Aladin Syariah.

Abstract

This study aims to analyze the influence of benefits and features on the decision to use the Aladin Syariah digital bank among students of the Faculty of Islamic Economics and Business at the State Islamic University (UIN) Sulthan Thaha Saifuddin Jambi. The study employs a quantitative approach with a causal research design. The sample consists of 94 respondents, selected using a probability sampling technique—specifically, stratified random sampling. Data were collected via questionnaires and analyzed using multiple linear regression with the aid of IBM SPSS version 25. The results indicate that, individually, "benefits" do not have a significant effect on the decision to use the Aladin Syariah digital bank (significance value: 0.298; t-statistic: 1.048). Conversely, "features" have a positive and significant effect on the decision to use the service (significance value: 0.001; t-statistic: 5.110). Simultaneously, both benefits and features significantly influence the decision to use the service (F-statistic: 41.891; significance value: 0.001). The coefficient of determination (R-squared) of 0.479 indicates that benefits and features account for 47.9% of the variation in the decision to use the service, while the remaining 52.1% is explained by factors outside the research model. These findings suggest that service features are a crucial aspect in students' decisions to use the Aladin Syariah digital bank. Therefore, service development should focus on enhancing the quality, comprehensiveness, and relevance of these features to better meet user needs.

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