ANALISIS FAKTOR YANG MEMPENGARUHI MINAT NASABAH DALAM MENGGUNAKAN BSI MOBILE PADA BANK SYARIAH INDONESIA KC LUBUK PAKAM

Authors

  • Sofiana Zahara Lubis Universitas Islam Negeri Sumatera Utara
  • Muhammad Faisal Hamdani Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.30651/jms.v10i1.25392

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi minat nasabah dalam menggunakan layanan BSI Mobile di Bank Syariah Indonesia (BSI) KC Lubuk Pakam. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode studi kepustakaan dan wawancara untuk memahami persepsi nasabah terhadap BSI Mobile. Hasil penelitian menunjukkan bahwa meskipun BSI Mobile menawarkan kemudahan dan fleksibilitas transaksi, minat nasabah untuk menggunakannya masih rendah. Hal ini disebabkan oleh berbagai kendala, seperti kurangnya literasi digital, kesulitan teknis, keterbatasan infrastruktur, dan preferensi terhadap metode transaksi tradisional. Namun, nasabah yang telah menggunakan layanan ini merasa terbantu dan puas dengan berbagai manfaat yang ditawarkan, seperti efisiensi waktu dan kemudahan akses. Penelitian ini merekomendasikan peningkatan edukasi, pengembangan antarmuka aplikasi yang lebih ramah pengguna, serta peningkatan keamanan untuk mendorong adopsi layanan BSI Mobile di kalangan nasabah.

Published

2025-01-18

How to Cite

Lubis, S. Z., & Hamdani, M. F. (2025). ANALISIS FAKTOR YANG MEMPENGARUHI MINAT NASABAH DALAM MENGGUNAKAN BSI MOBILE PADA BANK SYARIAH INDONESIA KC LUBUK PAKAM. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(1). https://doi.org/10.30651/jms.v10i1.25392

Issue

Vol. 10 No. 1 (2025)

Section

Artikel

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