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All Journal Economics and Digital Business Review Jurnal Ilmiah Niaga Bisnis Elektronik
Harianto, Herry
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN (EASE OF USE), KENYAMANAN (CONVENIENCE), KEPERCAYAAN (TRUST) DAN KETERSEDIAAN FITUR (FEATURE AVAILABILITY) TERHADAP MINAT NASABAH DALAM MENGGUNAKAN INTERNET BANKING KLIKBCA (STUDI KASUS PADA NASABAH PT BANK CENTRAL A Harianto, Herry; Tri Setyo Mulyani, Hendarti; Oktalina, Gayatria
Jurnal Ilmiah Niaga Bisnis Elektronik Vol 1 No 1 (2021): JURNAL ILMIAH NIAGA BISNIS ELEKTRONIK
Publisher : STIE IBEK Pangkalpinang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61533/jinbe.v1i1.159

Abstract

This study aims to analyze and obtain evidence on the influence of perceptions of ease of use, convenience, trust and feature availability of intention to use internet banking KlikBCA. The results of this study are expected to contribute to the Bank in particular BCA in order to provide a service that is faster and easier for its customers. The object of this study is the BCA’s customers who use internet banking. Data used in this study are primary data, and data searching used questionnaires directly. The data used is primary data formed questionnaires that apply to BCA’s costumers who use KlikBCA in Pangkalpinang amount is 97 respondents and using method non probability sampling : purposive sampling. The results showed that perceptions ease of use, convenience, trust and feature availability has positive and significance impact on interest in using internet banking.
The Effect Of Service Quality, Location, And Brand Image On Customer Decisions To Transact At Bank Maybank Kc Pangkalpinang Harianto, Herry
Economics and Digital Business Review Vol. 7 No. 1 (2026)
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v7i1.3649

Abstract

The development of digital banking in Indonesia has significantly changed customer transaction behavior, including at Bank Maybank. Digital services such as M2U and Smart Branch initiatives have encouraged some customers to shift toward online transactions, although many still prefer in-person services at branch offices. This situation requires the bank to identify the factors that influence customers’ decisions to conduct transactions at the branch. This study aims to analyze the influence of service quality, location, and brand image on customer transaction decisions at Bank Maybank KC Pangkalpinang. The population consists of customers who conduct transactions at the branch, and a sample of 100 respondents was selected using a non-probability sampling technique through accidental sampling. Data were processed using quantitative methods, including instrument testing (validity and reliability), classical assumption tests, and multiple linear regression analysis with t-tests and F-tests, using SPSS version 26. The results indicate that: (1) Service quality has a positive and significant effect on customer transaction decisions; (2) Location has no positive and insignificant effect on customer transaction decisions; (3) Brand image has a positive and significant effect on customer transaction decisions; and (4) Service quality, location, and brand image simultaneously have a significant effect on customer transaction decisions at Bank Maybank KC Pangkalpinang.
Co-Authors Oktalina, Gayatria Tri Setyo Mulyani, Hendarti