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All Journal EKONOMIS : Journal of Economics and Business
Rindu Kinanti
Universitas Muhammadiyah Sumatera Utara
Economics, Econometrics & Finance

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Pengaruh Kualitas Layanan Digital Bank Syariah terhadap Minat Menggunakan Aplikasi Mobile Banking pada Mahasiswa Fakultas Agama Islam UMSU Syahrul Amsari; Rindu Kinanti
Ekonomis: Journal of Economics and Business Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i2.2840

Abstract

This study aims to analyze the influence of the quality of Islamic banking digital services on the interest in using mobile banking applications among students of the Faculty of Islamic Studies (FAI) at the State Islamic University of North Sumatra (UMSU). This study used an associative quantitative approach, with a sample of 93 students selected through a purposive sampling technique. Data collection was conducted using a questionnaire with a 5-point Likert scale, then analyzed using simple linear regression analysis. The variable of the quality of Islamic banking digital services was measured using several aspects including system reliability, ease of use, speed of service, and response to complaints. Meanwhile, the variable of interest in using mobile banking applications was measured through aspects of attention, interest, desire, and action. The results showed that the quality of Islamic banking digital services had a significant positive influence on the interest of students of the Faculty of Islamic Studies (FAI) at the State Islamic University of North Sumatra (UMSU) in using mobile banking applications. This means that the more optimal the quality of digital services perceived by students, the greater their interest in using mobile banking services. It is hoped that this can provide a reference for Islamic banking institutions in developing the quality of their digital services in accordance with the principles of Islamic teachings.
Co-Authors Syahrul Amsari