Main Article Content
Abstract
The rapid development of science and technology in the digital era has influenced people's lifestyles when accessing a lot of information in various service functions via electronic means. Banking utilizes information technology in mobile banking services. The aim of this research is to determine and analyze the influence of perceived convenience and service quality on interest in using BCA Mobile Banking through trust as an intervening variable. The research method uses primary data obtained from distributing questionnaires to 100 people aged at least 17 years who have used or are currently using BCA Mobile Banking in Jabodetabek. The analytical tools used are validity test, reliability test, R-Square test, path coefficient test, and indirect effect test (path analysis). The research results show that perceptions of convenience and service quality influence interest in using BCA Mobile Banking through trust. Perceived convenience does not influence interest in using BCA Mobile Banking, while service quality influences interest in using BCA Mobile Banking. Perception of Ease and Quality of Service directly and indirectly influences Interest in Using BCA Mobile Banking through Trust
Keywords
Article Details
This work is licensed under a Creative Commons Attribution 4.0 International License.
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
- Adiwijaya, I. G. B. P. (2018). Ease of Use, Transaction Success Rate, Technology System Capability, Trust and Interest in Transactions Using Mobile Banking. Journal of Management and Business, 15(3), 135–153.
- Alexander, R. (2019). Behavioral Model Of Using Internet Banking Which is Influencer by the Perspective of Perceived Ease of Use, Perceived Usefulness. And Trust, 4(7), 353–360. https://www.ijisrt.com/behavioral-model-of-using-internet-banking-which-is-influenced-by-the-perspective-of-perceived-ease-of-use-perceived-usefulness-and-
- Al-Sharafi, A., M., A., A., R., Alajmi, Q., T., H. A., F., & Qasem, Y. A. (2018). The Influence of Perceived Trust on Understanding Banks’ Customers’ behavior to Accept Internet Banking Services. Indian Journal of Science and Technology, 11(20).
- Amoako, G. K., Caesar, L. D., Dzogbenuku, R. K., & Bonsu, G. A. (2023). Service recovery performance and repurchase intentions: the mediating effect of service quality at KFC. Journal of Hospitality and Tourism Insights, 6(1), 110–130.
- Armaniah, H. (2019). The Influence of Service Quality on Consumer Satisfaction at the AHASS Honda Tangerang Workshop. Managerial Journal of Management Science Research.
- Asmara, I. K. Y., & Kusumadewi, N. M. W. (2022). The Role of Trust in Mediating Ease of Use and Security on Intention to Use BCA Mobile Banking. E-Jurnal of Management, 11(1), 1– 23. https://doi.org/https://ojs.unud.ac.id/index.php/Manajemen/article/view/73734
- Atriani, A., Permadi, L. A., & Rinuastuti, B. H. (2020). The Influence of Perceived Benefits and Ease of Use on Interest in Using the OVO Digital Wallet. Journal of Socioeconomics and Humanities, 6(1), 54–61.
- Bakhtiar, M. R., Kartika, E., & Listyawati, I. (2020). Factors influencing customer interest in Bank Syariah Mandiri internet banking users. Al Tijarah, 6(3), 156–167.
- Chrisna, H., Noviani, & Hernawaty. (2021). Factors that Influence the Interest in Cash Waqf among the Taklim Istiqomah Assembly Congregation, Tanjung Sari Village, Medan. Journal of Business and Public Accounting, 11(2), 70–79. https://doi.org/http://jurnal.pancabudi.ac.id/index.php/akuntansibisnisdanpublik/article/download/1731/1579/
- Fauzi, R. U. A., & Darsono, A. K. (2022). The Influence of Perceived Convenience, Brand Image, and Financial Risk on Trust and Interest. Maker: Journal of Management, 8(2), 211–222.
- Ferdiansyah, A., & Suprapti, N. W. S. (2021). The role of satisfaction and trust mediates the effect of service quality on Indihome customer loyalty in the city of Denpasar. Russian Journal of Agricultural and Socio-Economic Sciences, 8(116).
- Ghozali, I. (2018). Multivariate Analysis Application with the IBM SPSS25 Program. Diponegoro University Publishing Agency.
- Ghozali, I. (2021). Structural Equation Modeling Using the Alternative Partial Least Square (PLS) Method. Diponegoro University Publishing Agency.
- Gunawan, F., Ali, M. M., & Nugroho, A. (2019). Analysis of the effects of perceived ease of use and perceived usefulness on consumer attitude and their impacts on purchase decisions on PT Tokopedia in Jabodetabek. European Journal of Business and Management Research, 4(5).
- Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM. Sage.
- Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203.
- Imanda, N., & Nuridin. (2018). The Influence of Service Quality and Trust on Customer Satisfaction of Fashion Products at the Yellow Facy Jeans Online Shop via Instagram Social Media. Krisnadwipayana Business Management Journal, 6(3), 1–15. https://ojs.economic-http://unkris.ac.id/index
- Juliandi, A. (2018). Structural Equation Model Based Partial Least Square (SEM-PLS): Using Smart PLS. Batam University.
- Kotler, P., & Armstrong, G. (2018). Principles of Marketing Global (Edition 17th). Pearson Education.
- Maharini, A., Winata, H., Fitriandari, M., & Hariguna, T. (2020). Improving the quality of Internet banking services : An implementation of the quality function deployment ( QFD. ) concept, 10, 1121–1128. https://doi.org/10.5267/j.msl.2019.10.029
- Ningwulan, E. P., Widyastuti, S., & Derriawan, D. (2018). Strategy for Developing Purchase Interest by Increasing BCA Customer Trust. Ecobisman-Journal of Business Economics and Management, 2(2), 167–184.
- Omoregie, A., Coffie, A., & Ofori. (2019). Factors influencing consumer loyalty:evidence from the Ghanaian retail banking industry”. International Journal of Bank Marketing.
- Ramadhani, S. M. T. A., Ekanova, A. P., & Putri, R. A. (2022). The Effect Of Perceptions Of Use, Perceptions Of Ease Of Use, And Security On The Intention Of Millenial Customers To Use Bni Mobile Banking Through Customer Trust As Intervening Variabels. International Journal Management and Economic, 1(3), 45–55.
- Ramli, Y., Harwani, Y., Soelton, M., Hariani, S., Usman, F., & Rohman, F. (2021). The implication of trust that influences customers’ intention to use mobile banking. The Journal of Asian Finance, Economics and Business, 8(1), 353–361.
- Ramos, F. L., Ferreira., J. G., Ferreira, A. S., & dan, J. W. R. (2018). The effect of trust in the intention to use m-banking. Brazilian Business Review, 15(2), 175–191. https://doi.org/10.15728/bbr.2018.15.2.5
- Sharma, S. K., & Sharma, M. (2019). Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation. International Journal of Information Management, 44, 65–75. https://doi.org/10.1016/j.ijinfomgt.2018.09.013
- Srinadi, N. L. P., Hermawan, D., & Jaya, A. A. N. A. (2023). Advancement of Banking and Financial Services Employing Artificial Intelligence and the Internet of Things. Journal of Wireless Mobile Networks, Ubiquitous Computing, and Dependable Applications, 14(1), 106–117. https://doi.org/10.58346/JOWUA.2023.I1.009
- Sudarwanto, A. S. (2020). Issues and challenges of local government in industry standardisation in Indonesia. International Journal of Innovation, Creativity and Change, 12(12), 775–788. https://www.scopus.com/inward/record.uri?eid=2-s2.0-85084465314&partnerID=40&md5=2d47e7c6489089db48faf08a61ae235d
- Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alphabet.
- Sugiyono. (2021). Metode Penelitian Kuantitatif, Kualitatif Dan R&D. Alfabeta.