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Journal : Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi)

OPTIMIZING BSI MOBILE BANKING SERVICE THROUGH A THREE-DIMENSIONAL ANALYSIS : SOCIAL MEDIA, EXTERNAL AND INTERNAL Wahyudi, Wahyudi; Wandebori, Harimukti
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.4986

Abstract

The rise of mobile banking in Indonesia underscores the strategic role of platforms like BSI Mobile in meeting customer expectations. This study examines user perceptions of BSI Mobile services using big data from X (formerly Twitter) as a real-time source of public opinion. Sentiment data from X was analyzed using the CRISP-DM framework, employing the Naive Bayes method for category and sentiment classification, which was then mapped onto the Importance-Performance Matrix (IPM). External analysis, using PESTEL, Porter's Five Forces, and competitor analysis, highlighting general, industry and competitor challenges. Internally, resource evaluations conducted through value chain analysis and the VRIO framework revealed that transitioning from BSI Mobile to the BYOND platform is a strategic step to strengthen technical and operational capabilities. The findings indicate an urgent need to enhance the app’s features and functionalities, followed by improvements in speed, reliability, security, and UI/UX. The study underscores the importance of strengthening both offline and online marketing strategies to promote BYOND’s features and functionalities, leveraging its Unique Selling Proposition (USP) as a sustained competitive advantage to drive digital adoption among both existing and new customers. Big data analytics helps identify improvements and track service performance.
Co-Authors A.A. Ketut Agung Cahyawan W Abdul Mutalib Abdul Rahman Saleh Adhytia Pradiktha Darmawan Adnan Faris Sadewo Adrian Adrian Adriatama, Irshad Aliyya, Zalfa Andenko Utama, Andenko Andika Putra Panengah Arthur Simanjuntak Athaya, Neysa Shifra Audya Anindhita, Audya Aziz Laisa, Abdul Azkiya, Salma Calista, Vina Fabiola Chindia Ferdinansari, Chindia Chyntia Ika Ratnapuri, Chyntia Ika Dafid Dafid David CUH Sihotang Diah Armita, Sendika Dina Fadia Dolitua, Arjuna Dyasanti Vidya Saputri Erik Joost de Bruijn Fadhil Fahmi Fikri Rasyidin, Muhammad Firdaus Ghalba Fitri Fitriyani Florentia Anindita Apsari Isthika Harm-Jan Steenhuis Hendra Winata, Hendra Imaduddin, Dani Akhmad Iman Haryanto Irfan Fauzan Rasyad Iskandar, Bachtiar Ivan Gurhananda Izzah, Zulfa Nurul Jihan Syifania Anwar, Jihan Syifania Jumar Jumar Kenny Kenny Khalandara, Khalandara Lubis, Kevin Fachrul Razi M. Rizqi Fabianto, M. Rizqi Martha Yoanita Matahari Kesadaran, Matahari Melvina Pascaline Mohammad Hamsal Muhamamd Falah Haidi, Muhamamd Falah Muhammad Fakhrizal Muhammad Qareza Qualdi Muhammad Sherdian Wilandria Syofrinaldy Wilandria Syofrinaldy Noer Mulya, Tiwi Permata Mustika Sufiati Purwanegara Namira, Shastya Rizka Novika Candra Astuti Nurlia Roza, Innayah Nurul Huda Patrick Marco Andries, Patrick Marco Pidada, Agung Ananda Putera Qinanti, Rizqyani Rachmat Suhadi Raedi Zulfahmi Hanifi Ramadhani, Nabilla Rizky Ratih Ayudyaputri Reza Relen Indriyanto Riandiza, Bima Ricky Febrian, Muhammad Riski Pratama, Riski Rizal Abdullah, Rizal Ronaldo Bagus Putra Rumintjap, Astrid Felicia Rusbagja, Muhammad Zidane Ryan Gulfa Wijaya Sanctita, Mutia Puri Setiawan, Nisa Aulia Nur Shauma, Rena Fazza Simon, Zefanya Ferdinand Sutansyah Marahakim Syukri, Khariful Tama, Widya Teddy Mulyadi Hidayat Tedo Esmu Ziraga, Tedo Esmu Timothy Winata, Hansen Trihandoyo Indroyono Soesilo, Trihandoyo Indroyono Vanya Winona Wahyudi Wahyudi Widodo, Adzkia Salsabilla Yonathan Adiputra Susanto Zulkifli Zulkifli