PENGARUH EFISIENSI, KEPERCAYAAN, DAN KEAMANAN TERHADAP KEPUTUSAN PENGGUNA FITUR MOBILE BANKING CARDLESS WITHDRAWL BANK SYARIAH INDONESIA (STUDI PADA NASABAH BSI GEN Z DI BANDAR LAMPUNG)

ZAULA, PUTRI AYU (2026) PENGARUH EFISIENSI, KEPERCAYAAN, DAN KEAMANAN TERHADAP KEPUTUSAN PENGGUNA FITUR MOBILE BANKING CARDLESS WITHDRAWL BANK SYARIAH INDONESIA (STUDI PADA NASABAH BSI GEN Z DI BANDAR LAMPUNG). Diploma thesis, UIN RADEN INTAN LAMPUNG.

	PDF Download (3MB)
	PDF Restricted to Repository staff only Download (3MB)

Abstract

ABSTRAK Perkembangan teknologi digital mendorong hadirnya layanan mobile banking dengan fitur cardless withdrawl sebagai solusi transaksi yang praktis. Namun, gangguan jaringan, kekhawatiran terhadap keamanan, dan rendahnya kepercayaan nasabah masih mempengaruhi keputusan penggunaan layanan ini. Penelitian ini bertujuan menganalisis pengaruh efisiensi, kepercayaan, dan keamanan terhadap keputusan penggunaan fitur mobile banking cardless withdrawl pada nasabah Generasi Z di Bandar Lampung. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data melalui penyebaran kuesioner kepada nasabah Generasi Z pengguna mobile banking. Populasi dalam penelitian ini adalah Nasabah BSI Gen Z di Kota Bandar Lampung yang menggunakan fitur Mobile Banking Cradless Withdrawl. Sampel dalam penelitian ini yaitu 100 responden. Analisis data dilakukan menggunakan metode Structural Equation Modeling-Partial Least Square (SEM-PLS) dengan bantuan aplikasi SmartPLS. Tahapan analisis meliputi uji validitas, uji reabilitas, uji koefisien determinasi (R-square), serta pengujian hipotesis untuk menguji pengaruh antar variabel penelitian. Hasil penelitian menunjukkan bahwa efisiensi, kepercayaan, dan keamanan berpengaruh positif dan signifikan terhadap keputusan penggunaan fitur mobile banking cardless withdrawl, baik secara parsial maupun simultan. Efisiensi menjadi faktor yang paling dominan karena mampu memberikan kemudahan, kenyamanan, dan menghemat waktu transaksi. Semakin tinggi efisiensi, kepercayaan, dan keamanan yang dirasakan nasabah, semakin tinggi pula keputusan mereka untuk menggunakan fitur tersebut. Oleh karena itu, perbankan perlu terus meningkatkan kualitas layanan digital, keamanan sistem, dan kepercayaan nasabah. Kata Kunci : Efisiensi, Kepercayaan, Keamanan, Keputusan Pengguna, Mobile Banking Cardless Withdrawl ABSTRACT Advances in digital technology have driven the emergence of mobile banking services with cardless withdrawl features as a convenient transaction solution. However, network disruptions, security concerns, and low customer trust continue to influence the decision to use these services. This study aims to analyze the influence of efficiency, trust, and security on Generation Z customers’ decisions to use the cardless withdrawl feature in mobile banking in Bandar Lampung. This study employs a quantitative approach, using a data collection technique that involves distributing questionnaires to Generation Z customers who use mobile banking. The population in this study is BSI Gen Z customers in Bandar Lampung who use the mobile Banking feature Cradless Withdrawl. The sample in this study is 100 respondents. Data analysis was conducted using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method with the assistance of the SmartPLS application. The analysis stages included validity testing, reliability testing, determination coefficient (R square) testing, and hypothesis testing to examine the relationships among the study variables. The results of the study show that efficiency, trust, and security have a positive and significant impact on the decision to use the cardless withdrawl feature in mobile banking, both individually and collectively. Efficiency is the most dominant factor because it offers convenience, comfort, and time savings during transactions. The higher the efficiency, trust, and security perceived by customers, the more likely they are to use this feature. Therefore, banks need to continue improving the quality of their digital services, system security, and customer trust. Keywords: Efficiency, Trust, Security, User Decision, Mobile Banking Cardless Withdrawl

Actions (login required)

View Item