JMIF THE INFLUENCE OF PERCEPTIONS OF BENEFITS, EASE, AND SPEED OF TRANSACTIONS ON CUSTOMER DECISIONS TO USE MOBILE BANKING FACILITIES AT INDONESIA SHARIA BANK (BSI)

Abstract


INTRODUCTION
Mobile banking is a service application provided by banks to facilitate customers in conducting banking transactions without going to an ATM except for cash withdrawals. The advantages of mobile banking include financial and non-financial transactions, transferring funds, checking balances and paying bills that can be done via a smartphone (Dirwan, 2022

Customer's Decision to Use Mobile Banking Facilities
Decision making is to make an assessment and a choice, this decision is taken after going through some calculations and considerations, before making a decision there are several stages that a decision maker may go through. These stages may include primary identification, compiling alternatives to be selected and arriving at the best decision making. According to Idola, (2018) the decision to use mobile banking facilities is the selection and determination of an alternative to solve the management problems encountered, influenced by the factor of culture, social, personal and psychology. Meanwhile, according to Dirwan, (2022) decision is the process of making a decision to purchase which includes determining what to buy or not, and the decision is obtained from previous activities. Research from Dirwan, (2022) shows that convenience, benefits and convenience affect customers' decisions to use mobile banking at PT Bank Mandiri (Persero) Tbk and the convenience factor has the greatest influence in influencing decisions to use mobile banking facilities. According to Sulkarnain et al., (2022) decisions to use are taken based on needs or desires that must be met through several processes in decision making. After going through these processes, the customer will decide whether to use the product or not. Indicators of a decision to use can be measured in various ways, such as: needing mobile banking, finding out information about mobile banking, considering whether mobile banking effectively meets customer needs.
An empirical study conducted by Ainul et al., (2021) regarding the effect of perceived usefulness, convenience, and security on interest in using Bank BNI's mobile banking services  (2023) Based on Table 2, the results of rcount are greater than rtable. It can be concluded that all of the questionnaire statement items regarding customer decisions to use mobile banking facilities at Indonesia Sharia Bank in this study are valid.

Results of Reliability Test
The reliability test is carried out to see the accuracy of the research instrument. A research instrument is considered to have high reliability or can be trusted if the measuring instrument is stable, reliable and predictable.  (2023) The results of the reliability test in table 6 show that the Cronbach Alpha for the perceived benefits variable has 5 statements, so it can be seen that the perceived benefits variable (X1) can be concluded to be reliable.   (2023) The results of the reliability test in table 8 show that the Cronbach Alpha for the variable perception of transaction speed is 5 statements. Thus, it can be seen that the variable of perception of transaction speed (X3) can be concluded as reliable.  (2023) The results of the reliability test in table 9 show that Cronbach Alpha for the variable of customer decisions using mobile banking facilities at Indonesia Sharia Bank are 5 statements. This can be seen that the variable of customer decisions using mobile banking facilities at Indonesia Sharia Bank (Y) can be concluded as reliable. Data is processed using SPSS 25 (2023) Based on the table, it can be seen that the significance value is 0.200 > 0.05, so it can be concluded that the residual values are normally distributed. Thus, the regression model is feasible to use because it fulfills the assumption of normality.

Results of Heteroscedasticity Test
The results of the heteroscedasticity test for the Islamic Lifestyle and the Hedonic Lifestyle on Buyer's Decisions are as follows:

Results of Multicollinearity Test
The multicollinearity test aims to test whether the regression model found a high correlation between the independent variables. This study tested multicollinearity by looking at the Tolerance and Variance Inflation Factor (VIF) values in the regression model. If the Tolerance value is > 0.10 and VIF < 10.00, it is stated that there is no multicollinearity. Data is processed using SPSS 25 (2023) The results of the multicollinearity test in Table 12  2. Perceived ease of use indicates that there is no significant effect between perceived ease of use on customers' decisions to use mobile banking facilities at Indonesia Sharia Bank.