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All Journal IQTISHODUNA EL-MUHASABA El Dinar Jurnal Akuntansi Multiparadigma I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Ilmiah Ekonomi Islam Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Bussines and Accounting (COSTING) AFRE Accounting Financial Review Jurnal AKSI (Akuntansi dan Sistem Informasi) JURNAL AKUNIDA Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen EKUITAS (Jurnal Ekonomi dan Keuangan) Iqtishoduna: Jurnal Ekonomi Islam PEDULI: Jurnal Imiah Pengabdian Pada Masyarakat Ulumuna: Jurnal Studi Keislaman BISEI: Jurnal Bisnis dan Ekonomi Islam Keberlanjutan : Jurnal Manajemen dan Jurnal Akuntansi Jurnal Riset Akuntansi Politala Global Financial Accounting Journal Jurnal E-Bis: Ekonomi Bisnis Review of Islamic Economics and Finance EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JPEKBM (Jurnal Pendidikan Ekonomi, Kewirausahaan, Bisnis dan Manajemen) Jurnal Ilmiah Akuntansi Peradaban Jurnal AbdiMas Nusa Mandiri Perspektif Akuntansi JCA (Jurnal Cendekia Akuntansi) ASERSI : Jurnal Akuntansi Terapan dan Bisnis Worksheet : Jurnal Akuntansi Journal of Islamic Economics Lariba Jurnal Nusantara Berbakti Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen Atmosfer: Jurnal Pendidikan, Bahasa, Sastra, Seni, Budaya, Dan Sosial Humaniora IIJSE ASNAF International Journal of Economics, Business and Innovation Research Jurnal Ekonomi, Manajemen, Akuntansi At-Tasharruf: Jurnal Ekonomi dan Bisnis Syariah KARSA: Jurnal Sosial dan Budaya Keislaman (Journal of Social and Islamic Culture)
Nanik Wahyuni ‎
Universitas Islam Negeri Maulana Malik Ibrahim, Malang, Indonesia
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Physics Social Sciences Other

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Journal : asnaf

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UNPACKING THE EFFECTS OF DIGITAL TRANSFORMATION ON CUSTOMERSATISFACTION AND WELL-BEING: INSIGHTS FROM BSI’S PLATFORM TRANSITION TO BYOND Umaimah 'Affaf; Nanik Wahyuni; Meldona; Desi Sari Ayuni
ASNAF : Journal of economic welfare, philantrophy, zakat and waqf Vol. 5 No. 1 (2026): Vol 5, No 1 (2026)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v5i1.14357

Abstract

Abstract (English version) Objective – This study aims to evaluate user satisfaction with the BYOND by BSI application. This research not only aims to assess user satisfaction with the BYOND by BSI application but also to evaluate its contribution to customer welfare, both from a financial aspect (transaction efficiency and accessibility) and a spiritual aspect (value of blessings and ease of worship through prayer time, zakat, and charity features). Methodology – The research method used is a qualitative approach with a case study type. Data were obtained through in-depth interviews, participatory observations, and documentation studies involving eight informants consisting of active BYOND by BSI customers and internal BSI parties. Data analysis was conducted using the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. Research Results – The research results show that the majority of customers welcomed BSI's digital transformation positively due to the ease of access and the The research results show that the majority of customers responded positively to BSI's digital transformation, mainly due to the ease of access and the modern design of the application. The term modern application refers to an intuitive and user-friendly interface, faster navigation, integrated features within a single platform, and enhanced visual design that improves user experience. In addition, BYOND by BSI is considered superior due to its more comprehensive digital services, improved system performance, better security features, and its ability to provide a more seamless and efficient banking experience compared to the previous application. This study also highlights its novelty, as qualitative research exploring user experiences and perceptions of the BYOND by BSI application particularly during the transition from BSI Mobile remains limited and has not been extensively examined in previous studies.However, technical issues such as connection disruptions and slow authentication processes were still found, which impacted user satisfaction perceptions. The factors of perceived ease of use and perceived usefulness have been proven to affect customer satisfaction. Limitations – This study is limited to a qualitative approach involving eight informants, so the findings cannot be broadly generalized. The study also focuses on user experiences during the early transition period to BYOND by BSI without quantitative measurement of user satisfaction levels. Practical Implications – he implications of this research indicate that the success of Islamic banking digital transformation depends not only on technological innovation but also on system reliability and consistent user experience. Theoretically, it reinforces technology acceptance and service quality theories. Institutionally, it provides insights for BSI to enhance digital governance and service quality. Practically, it supports increased public trust and wider adoption of digital banking services. Originality/value - This study extends the Technology Acceptance Model by integrating maqashid sharia to explain digital banking adoption, trust, satisfaction, and multidimensional customer welfare.
Co-Authors AA Sudharmawan, AA Achmad Sani Achmad Sani Supriyanto Adi Nugroho Ahmad Djalaluddin Ahmad Muhtadi Ridwan Aimmatul Qoyyimah Aldi Setiadi Aristi Prita Isywara Arum Prastiwi Atik Purandari AUNUR ROFIQ Baiq Vica Artamevia Boge Triatmanto Daniel Happy Putra Dedy Mardiyansyah Desi Sari Ayuni Doni Yusuf Bagaskara Eko Sudarmanto Eko Suprayitno Elliza Qudrun Nada Faiz Azizah Faiz Azizah Fetris Ika Firdaus Purwanti Firmanda, Alfifa Ayu Fredrika Losu Indah Yuliana Indah Yuliana Isnan Murdiansyah Kartika, Ulfi Kholilah Kholilah Lestari, Nimas Dewi Lutfi Ardhani Masyhuri Masyhuri Masyhuri Masyhuri Meldona Meldona Moch. Mahsun Mochamad Derry Revanza Mohammad Mahbubi Ali Mounadil, Abdelaziz Much Maftuhul Fahmi Muhammad Al Faruq Mustiayu Cahyanti Nevi Danila Nina Dwi Setyaningsih Noer Faizah Afinda Novi Lailiyul Wafiroh Novi Lailiyul Wafiroh Nur Asnawi Nurharibnu Wibisono Nurul Fatikhah R Izzati O, Ulfi Kartika Qanita, Ariza Qorina Lahadi Putri R. Suhaimi Rahman, Ahmad Taufiqur Rahmatika, Dewi Carrisa Ridan Muhtadi Rohmadi S Siswanto Salsa Billa Novitasari Sandra G.J.Tombokan Sari, Indra Mustika Sjenny Olga Tuju Solikhul Hidayat Suryani Suryani Ubaidillah Ubaidillah Ubaidillah Ubaidillah Ulfi Kartika Oktaviana Umaimah 'Affaf Waeno, Mahamadaree Wicaksono, Ahmad Tibrizi Soni Yayuk Sri Rahayu Yeney Widya Prihatiningtias Yona Octiani Lestari Yuniarti Hidayah Suroso Putra Yusuf, Sitti Rabiah Zabidi, Naufal Rifqi Zulzilawati, Zulzilawati