Pengaruh Persepsi Risiko, Kepercayaan Dan Keamanan Terhadap Minat Menggunakan BSI (Bank Syariah Indonesia) Mobile

Authors

  • Wida Utami Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia
  • Ika Dina Rofika Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia
  • Trisma Kamelia Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia
  • Yulia Budiarti Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia
  • Tasnim Mushlihah Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia
  • Hanifah Aminin Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia
  • Rizka Awaliya Nur Azizah Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia
  • Niken Septiani Universitas Islam Negeri Raden Mas Said Surakarta, Indonesia

DOI:

https://doi.org/10.22515/academica.v7i1.7414

Keywords:

Risk Perception, Security, Trust

Abstract

This study aims to examine the interest in using BSI Mobile in terms of perception, trust, and security risks as independent variables. This research applies a quantitative method and involves 100 respondents using BSI Mobile. The research data was obtained by distributing questionnaires online. Processing research data using multiple linear regression analysis in SPSS 23. The results of the study prove that the perceived risk variable (X1) does not affect interest in using mobile BSI with a t-count value of 0.362 < t-table value of 1.984 and a significance value of 0.718 > 0.05. The trust variable (X2) does not affect interest in using BSI Mobile with a t-count value of 1.796 < t-table value of 1.984 and a significance value of 0.080 > 0.05. Security has a positive effect on interest in using BSI Mobile with a t-count value of 6.676 > t-table value of 1.984 and a significance value of 0.00 <0.05. The implication of this research states that security is a factor that greatly influences interest in using BSI Mobile.

References

Anggraini, R. P, Mubyarto, N., & Addiarrahman. (2023). Analisis Technology Acceptance Model Dan Persepsi Risiko Terhadap Minat Bertransaksi Mobile Banking Nasabah Bank Syariah Indonesia Di Kota Jambi. Jurnal Ilmiah Ekonomi Islam, 9(1), 1573-1585. http://dx.doi.org/10.29040/jiei.v9i1.8311

Atieq, M. Q., & Nurpiani, E. (2022). Minat Nasabah Menggunakan Mobile Banking Bank Syariah ( Survey Pada Mahasiswa Perbankan Syariah IAIN Syekh Nurjati Cirebon). Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen Dan Kewirausahaan, 2(1), 401–423. https://doi.org/10.46306/vls.v2i1.109

Dhawani, A. (2023). Pengaruh Manfaat, Kepercayaan, Dan Kemudahan Penggunaan Terhadap Minat Nasabah Menggunakan Mobile Banking Muamalat Digital Islamic Network Pada PT. Bank Muamalat Kantor Cabang Utama Kediri. Skripsi (Tidak Dipublikasikan). Institut Agama Islam Negeri Ponorogo.

Farina, K. (2016). Pengaruh Privasi, Keamanan, Kepercayaan, Dan Pengalaman Terhadap Niat Untuk Bertransaksi Secara Online. Sustainability (Switzerland), 11(1), 1–14.

Fazry. (2023). Kepercayaan Nasabah Meningkat, Transaksi DPK Harian BSI Naik Terus. rm.id Rakyat Merdeka Retrieved Agustus 05, 2023, From: https://rm.id/baca-berita/ekonomi-bisnis/172446/kepercayaan-nasabah-meningkat-transaksi-dpk-harian-bsi-naik-terus

Handinisari, H., Muhlisin, S., & Yono, Y. (2022). Pengaruh Keamanan, Kemudahan Dan Kepercayaan Nasabah Bank Syariah Indonesia Terhadap Minat Bertransaksi Menggunakan Layanan Mobile Banking. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 4(3), 818–828. https://doi.org/10.47467/elmal.v4i3.2076

Hasyim, F. (2021). Statistika Terapan Untuk Bisnis Dan Keuangan. Lintang Pustaka Utama.

Joni, Yulianti, R., & Hamdiah, C. (2022). Pengaruh Persepsi Risiko, Kepercayaan, Dan Kemudahan Penggunaan Terhadap Penggunaan Mobile Banking (Studi Empiris Pada Nasabah Bank Syariah Indonesia Di Kota Banda Aceh). Serambi Konstruktivis, 4(2), 56–63. https://doi.org/10.32672/konstruktivis.v4i2.4615

Junaedi, E. & Neneng. (2023). Pengaruh Persepsi Manfaat, Keamanan Dan Kemudahan Terhadap Minat Nasabah Menggunakan Layanan. I-Best: Islamic Banking & Economic Law Studies, 2(1), 13–32. https://doi.org/10.36769/ibest.v2i1.338

Khoiriyah, U., & Putra, P. (2022). Analisis Jalur Pengaruh Pengambilan Keputusan Bertransaksi Melalui BSI Mobile. Jurnal Ilmiah Ekonomi Islam, 8(3), 2522–2535. http://dx.doi.org/10.29040/jiei.v8i3.6455

Kumparan. (2023, Mei). Viral Data BSI Dibobol Geng Ramsomware LockBit, Komut Pastikan Aman. Retrieved Juli 08, 2023, From: https://kumparan.com/kumparanbisnis/viral-data-bsi-dibobol-geng-ransomware-lockbit-komut-pastikan-aman-20OUOEPVO1

Mcknight, D. H., Carter, M., Thatcher, J. B., & Clay, P. F. (2011). Trust In A Specific Technology: An Investigation Of Its Components And Measures. ACM Transactions On Management Information Systems, 2(2), 1-25. https://doi.org/10.1145/1985347.1985353

Mukhtisar, M., Tarigan, I. R. R., & Evriyenni, E. (2021). Pengaruh Efisiensi, Keamanan Dan Kemudahan Terhadap Minat Nasabah Bertransaksi Menggunakan Mobile Banking (Studi Pada Nasabah Bank Syariah Mandiri Ulee Kareng Banda Aceh). Jihbiz: Global Journal Of Islamic Banking And Finance, 3(1), 56-72. https://doi.org/10.22373/jihbiz.v3i1.9632

Octaviano, A. (2023). Tingkatkan Kepercayaan Nasabah, BSI Beri Promo Biaya BI Fast Rp 5. kontan.co.id. Retrieved Agustus 05, 2023, From:https://amp.kontan.co.id/news/tingkatkan-kepercayaan-nasabah-bsi-beri-promo-biaya-bi-fast-rp-5

Rushadiyati, R. (2021). Analisis Rasio Keuangan Terhadap Harga Saham Pada Perusahaan Yang Terdaftar Di Jakarta Islamic Index (JII) Periode 2015 - 2019. Solusi, 19(1), 83–101. https://doi.org/10.26623/slsi.v19i1.3002

Setiawan, C. K., & Yosepha, S. Y. (2020). Pengaruh Green Marketing Dan Brand Image Terhadap Keputusan Pembelian Produk The Body Shop Indonesia (Studi Kasus Pada Followers Account Twitter @Thebodyshopindo). Jurnal Ilmiah M-Progress, 10(1), 1–9. https://doi.org/10.35968/m-pu.v10i1.371

Shiliha, A. (2022). Keamanan Terhadap Minat Nasabah Untuk Menabung Di Bank Syariah Islam (BSI) Cabang Lahat. Motivasi: Jurnal Manajemen Dan Bisnis, 7(1), 16–24. https://doi.org/10.32502/mti.v7i1.4497

Tabrani, M., Amin, M., & Nizam, A. (2018). Trust, Commitment, Customer Intimacy And Customer Loyalty In Islamic Banking Relationships. International Journal Of Bank Marketing, 36(5), 823–848. https://doi.org/10.1108/IJBM-03-2017-0054

Downloads

Published

2023-09-12

Issue

Vol. 7 No. 1 (2023): January - June 2023

Section

Articles

Citation Check

License

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International 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 that allows others to share the work with an acknowledgement 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 acknowledgement 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.