BAREKENG: Jurnal Ilmu Matematika dan Terapan
Vol 16 No 2 (2022): BAREKENG: Jurnal Ilmu Matematika dan Terapan

ANALYSIS OF THE FACTORS THAT INFLUENCE CUSTOMER INTEREST IN USING MOBILE BANKING AT PT. BANK NTB SYARIAH ALAS SUB-BRANCH

Agusta Hari Sandy (Graduate School, Master in Innovation Management, Universitas Teknologi Sumbawa)
Koko Hermanto (Industrial Engineering, Faculty of Systems Engineering, Universitas Teknologi Sumbawa)



Article Info

Publish Date
01 Jun 2022

Abstract

Many customers prefer ATMs or come directly to bank offices to do banking transactions. It can lead to crowds considering that the pandemic is not over yet. It is one of the considerations of PT. Bank NTB Syariah launched a mobile banking application as a service facility to facilitate customers' transacting. The use of mobile banking is still relatively new to the public. Currently, the number of mobile banking users of Bank NTB Syariah Alas Sub-Branch has not met the number of targets achieved in several quarters. This study aimed to analyze the factors influencing customer interest in mobile banking. The sample in this study amounted to 100, which are customers who are users of mobile banking users of PT. Bank NTB Syariah Alas Sub-Branch. The statistical tool used in this research is Structural Equation Modeling (SEM) with LISREL 8.80 statistical software approach. The results of this study indicate that the factors that influence customer interest are Perception of Information Technology (X1), Ease of Use (X2), Risk (X3), and Service Features (X4). These factors have a significant simultaneous effect. The coefficient of determination obtained is 84%, which means that customer interest in using mobile banking is influenced by elements of information technology perception, risk, trust, and service features, while the remaining 16% is influenced by other variables not discussed in this study.

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Journal Info

Abbrev

barekeng

Publisher

Subject

Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Energy Engineering Mathematics Mechanical Engineering Physics Transportation

Description

BAREKENG: Jurnal ilmu Matematika dan Terapan is one of the scientific publication media, which publish the article related to the result of research or study in the field of Pure Mathematics and Applied Mathematics. Focus and scope of BAREKENG: Jurnal ilmu Matematika dan Terapan, as follows: - Pure ...