The Intention Of Using Mobile Banking During Pandemic

Authors

  • Rahmatika Mahmudah IAIN Salatiga
  • Rosana Eri Puspita IAIN Salatiga

DOI:

https://doi.org/10.30651/jms.v6i2.7121

Abstract

The purpose of this study was to determine the effect of perceived usefulness, ease of use, trustworthiness, service quality, and word of mouth on the interest in using mobile banking as a case study of BRI Syariah KC Semarang customers. Data collection was obtained through primary data by distributing questionnaires. The number of respondents used is 60 customers. The data obtained from the respondents is then processed using statistical applications, namely SPSS 23. The data analysis method includes the research instrument test, classical assumption test, determination coefficient test (R2), F test, and T-test. The results show that the perceived usefulness partially has a positive and significant effect on the interest in using mobile banking. Ease of use partially has a positive and insignificant effect on the interest in using mobile banking. Trust partially has a negative and significant effect on the interest in using mobile banking. Service quality partially has a positive and significant effect on the interest in using mobile banking. Word Of Mouth partially has a negative and insignificant effect on interest in using mobile banking. Recommendations for the bank, namely that the bank can renew mobile banking services' facilities so that customers can easily accept the mobile banking service's usefulness and convenience. The bank must also improve security and service quality to maintain customer confidence in mobile banking. Increasing customer networks in mobile banking by doing word of mouth must also be maintained with good messages to reach the public as a recommendation to use mobile banking. The difference between this study and previous research is that this research was conducted during the Covid-19 pandemic. It is expected that the community's behaviour can increase interest in using mobile banking.

Author Biographies

Rahmatika Mahmudah, IAIN Salatiga

Sharia Banking, IAIN Salatiga

Rosana Eri Puspita, IAIN Salatiga

Sharia Business Management Program, IAIN Salatiga

Downloads

Published

2021-09-05

How to Cite

Mahmudah, R., & Puspita, R. E. (2021). The Intention Of Using Mobile Banking During Pandemic. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 6(2), 456–477. https://doi.org/10.30651/jms.v6i2.7121

Issue

Vol. 6 No. 2 (2021)

Section

Artikel

License

The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.

Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.

Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.

Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:

  • Patent and trademark rights and rights to any process or procedure described in the article.
  • The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
  • The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.