PENGARUH PERSEPSI MANFAAT, KEMUDAHAN, DAN KEPERCAYAAN TERHADAP PENGGUNAAN MOBILE BANKING PADA NASABAH BANK SYARIAH KC JAMBI PATIMURA DI KOTA JAMBI

Authors

  • Defriansyah Pratama Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi

DOI:

https://doi.org/10.30651/jms.v11i1.29908

Abstract

Penggunaan layanan mobile banking terus berkembang seiring dengan kemajuan teknologi digital dalam sektor perbankan, termasuk di perbankan syariah. Mobile banking memberikan kemudahan dan efisiensi bagi nasabah dalam melakukan transaksi keuangan sesuai prinsip syariah. Namun, tingkat pemanfaatannya belum optimal di kalangan nasabah Bank Syariah Indonesia KC Jambi Pattimura. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh persepsi manfaat, kemudahan, dan kepercayaan terhadap penggunaan mobile banking pada nasabah Bank Syariah Indonesia KC Jambi Pattimura. Penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptif. Sampel dalam penelitian berjumlah 100 responden yang dipilih menggunakan teknik purposive sampling. Analisis regresi linear berganda digunakan sebagai teknik analisis data. Hasil penelitian menunjukkan bahwa secara parsial, persepsi manfaat dan kepercayaan berpengaruh signifikan terhadap penggunaan mobile banking, sedangkan persepsi kemudahan tidak berpengaruh signifikan. Secara simultan, persepsi manfaat, kemudahan, dan kepercayaan berpengaruh signifikan terhadap penggunaan mobile banking pada nasabah Bank Syariah Indonesia KC Jambi Pattimura. Implikasi penelitian ini menunjukkan bahwa bank perlu meningkatkan nilai manfaat layanan, memperkuat aspek keamanan untuk membangun kepercayaan, serta memastikan aplikasi tetap mudah digunakan agar adopsi mobile banking dapat meningkat secara optimal.

Published

2026-02-14

How to Cite

Pratama, D. (2026). PENGARUH PERSEPSI MANFAAT, KEMUDAHAN, DAN KEPERCAYAAN TERHADAP PENGGUNAAN MOBILE BANKING PADA NASABAH BANK SYARIAH KC JAMBI PATIMURA DI KOTA JAMBI. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(1). https://doi.org/10.30651/jms.v11i1.29908

Issue

Vol. 11 No. 1 (2026)

Section

Artikel

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