Perspektif Mahasiswa Terhadap Transaksi Digital dalam Penggunaan Mobile Banking
DOI:
https://doi.org/10.29240/disclosure.v3i1.6951Keywords:
Digital Transactions, Banking, Perception, SatisfactionAbstract
Digital banking is a technology application developed to facilitate customer transactions. Currently, millennials are the target market for banking, especially in the use of digital banking, because they prefer something modern and instant. The trend of using mobile banking in the digital era is growing rapidly. Mobile banking is now one of the applications that are widely used by young people including students. This study aims to examine students’ perceptions of digital transactions using mobile banking. This research uses a qualitative descriptive method with data collection techniques that are carried out online through social media and are widespread in various regions in Indonesia using questionnaires, to active students in tertiary institutions, both public and private universities. The data analysis technique used is data reduction, namely by summarizing and sorting the data, presenting the data by describing the information text and paragraphs, and drawing conclusions. So, the research results show that most students who actively use mobile banking are influenced by various perceptions including perceptions of convenience and usability. But even so, there are still students who do not or do not use mobile banking, apart from that the use of mobile banking turns out there are still many deficiencies in it such as limited features and network disturbances.
Downloads
References
Fajriastuti, N., & Arman, A. (2022). Milenial Bank Syariah Indonesia Dalam Menggunakan Layanan Cardless Withdrawal. Dalam Nada Fajriastuti.
Finannafi’ah, K., & Witono, B. (2022). Pengaruh Kemudahan, Risiko, Manfaat Dan Kenyamanan Terhadap Minat Menggunakan Layanan Mobile Banking. Jurnal Ekonomi Dan Bisnis, 10(1), 172–182.
Kholis, N. (2018). Perbankan Dalam Era Baru Digital (Vol. 12, Nomor 1). https://doi.org/https://doi.org/10.47860/economicus.v12i1.149
Kurniawati, H. A., Winarno, W. A., & Akuntansi, A. A. (2017). Analisis Minat Penggunaan Mobile Banking Dengan Pendekatan Technology Acceptance Model (TAM) Yang Telah Dimodifikasi (Analysis Behavioral Intention to Uses of Mobile Banking Technology Acceptance Model (TAM) Approach Modified).
Lestari, K. (2022). Literature Review Determinasi Volume Transaksi Di Masa Pandemi Covid 19: Strategi, Teknologi Dan Mobile Banking. 3(3). Https://Doi.Org/10.31933/jemsi.v3i3
Mawarni, R., Fasa’, M. I., & Suharto. (2021). Penerapan Digital Banking Bank Syariah Sebagai Upaya Customer Retantion Pada Masa Covid-19. AL-IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam, 9(2 Juli), 39–54.
Nirmala Sari, I. (2021, Juni 22). Indonesia Pengguna Fintech Tertinggi Ketiga Di Dunia. katadata.co.id. https://katadata.co.id/intannirmala/digital/60d1c95ea19bb/indonesia-pengguna-fintech-tertinggi-ketiga-di-dunia
Nur Makmuriyah, A., & Marella Vanni, K. (2020). Analisis Faktor-Faktor Yang Mempengaruhi Kepuasan Nasabah Dalam Menggunakan Layanan Mobile Banking (Studi Kasus Pada Nasabah Bank Syariah Mandiri di Kota Semarang).
Nurdin, N., Musyawarah, I., Nurfitriani, N., & Jalil, A. (2020). Pengaruh Pelayanan Mobile Banking Terhadap Kepuasan Nasabah (Studi Pada Mahasiswa Perbankan Syariah IAIN Palu). Jurnal Ilmu Perbankan dan Keuangan Syariah, 2(1), 88–104. https://doi.org/10.24239/jsi.v1
Parera, N. O., Susanti, E., & Artikel, I. (2021). Loyalitas Nasabah Dari Kemudahan Penggunaan Mobile Banking Info Artikel Abstrak. Dalam International Journal Of Digital Entrepreneurship and Business (IDEB) (Vol. 2, Nomor 1). https://ejournal.jic.ac.id/ideb/
Patrik, J. (2022). Faktor yang Mempengaruhi untuk Menggunakan Mobile Banking dari Internet Banking Terhadap Penggunaan Konsumen Perbankan di Indonesia. SEIKO : Journal of Management & Business, 5(1), 2022–2284. https://doi.org/10.37531/sejaman.v5i1.1575
Plekhanov, D., Franke, H., & Netland, T. H. (2022). Digital transformation: A review and research agenda. European Management Journal. https://doi.org/10.1016/j.emj.2022.09.007
Rialdi, M. (2020, Mei 8). Persepsi (Pengertian, Proses, Jenis dan Faktor yang Mempengaruhi). Kajianpustaka. https://www.kajianpustaka.com/2020/05/persepsi-pengertian-proses-jenis-dan-faktor-yang-mempengaruhi.html
Ronny, R., Ilfitriah, A. M., & Nurhadi, M. (2021). Analisis Pengaruh Kualitas Layanan Terhadap Kepuasan Nasabah Menggunakan Electronic Banking. Ekuitas (Jurnal Ekonomi dan Keuangan), 5(3), 389–406. https://doi.org/10.24034/j25485024.y2021.v5.i3.4485
Siadari, K., & Lutfi, A. (2021). Pengaruh Citra Perusahaan, Kualitas Layanan Dan Kepuasan Nasabah Terhadap Loyalitas Penggunaan Bni Mobile Banking Studi Kasus Bni Kantor Cabang Harmoni.
Vebiana, V. (2018). Perbankan Digital , Pengalaman Pelanggan, dan Kinerja Keuangan Bank Syariah.
Zhang, T., Lu, C., & Kizildag, M. (2018). Banking “on-the-goâ€: examining consumers’ adoption of mobile banking services. International Journal of Quality and Service Sciences, 10(3), 279–295. https://doi.org/10.1108/IJQSS-07-2017-0067
Downloads
Published
Issue
Section
License
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-NC-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).