Universitas Islam Malang Conference, ECONOMICS, BUSINESS, ENTREPRENEURSHIP & SOCIAL SCIENCES INTERNATIONAL CONFERENCE 2023

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THE INFLUENCE OF EASE, BENEFITS, RISKS, AND TRUST ON BANK SYARIAH INDONESIA CUSTOMERS' INTEREST IN USING MOBILE BANKING
Nawal Eka Susanti, Nonik Baliana Baliana

Last modified: 2024-01-31

Abstract


This research aims to find out how convenience (X), benefits (X2), risk (X3), and trust (X4) influence customer interest (Y) in using mobile banking at IAI Darussalam Blokagung. This research uses quantitative analysis methods with linear regression tests. The results of the partial hypothesis test (t-test) show that convenience has no positive and significant effect on BSI customers' interest in using mobile banking at IAIDA Blokagung Banyuwangi, with a significance probability level of 0.331 which is more significant than 0.05 with a coefficient value of 0.074. Benefits have a positive effect. This is significant to BSI customers' interest in using mobile banking at IAIDA Blokagung Banyuwangi. It has a significant probability level of 0.000, more diminutive than 0.05, with a coefficient value of 0.411. Risk has no positive and insignificant effect on BSI customers' interest in using mobile banking at IAIDA Blokagung Banyuwangi, which has a probability level of 0.072, more significant than 0.05, with a coefficient value of 0.091. Trust has a positive and significant effect on BSI customers' interest in using mobile banking at IAIDA Blokagung Banyuwangi, which has a significant probability level of 0.000, more diminutive than 0.05, with a coefficient value of 0.281. So, from the research results, it can be concluded that Convenience, Benefits, Risk, and Trust influence BSI customers' interest in using mobile banking at IAIDA Blokagung Banyuwangi.

 

Keywords: Ease, Benefit, Risk, Trust, Customer Interest

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