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All Journal Jurnal Ilmu Perbankan dan Keuangan Syariah Moneta: Jurnal Manajemen & Keuangan Syariah
nizmayavira
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Influence of Digital Financial Literacy and Security on Customer Decisions in Using the Livin by Mandiri Application (A Study at Bank Mandiri KCP Donggala) Ammar; Irham Pakkawaru; Asriyana; Ikmar Masykur; nizmayavira
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 2 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i2.349.277-300

Abstract

The development of digital technology has changed the pattern of banking services, including the use of mobile banking applications such as Livin' by Mandiri. This application offers convenience in transactions, but customer trust in using it is inseparable from the digital financial literacy and security factors of the system offered. Digital financial literacy plays a role in helping customers understand the features, risks, and benefits of the application, while the security aspect determines the customer's sense of security in transactions. This study aims to analyze the influence of digital financial literacy and security on customer decisions in using the Livin' by Mandiri application at Bank Mandiri KCP Donggala. This study uses a quantitative approach with a survey method by distributing questionnaires to Bank Mandiri KCP Donggala customers. The study population is all customers who use the Livin' by Mandiri application, with probability sampling techniques and simple random sampling types. The data obtained were analyzed using multiple linear regression tests, T tests for partial effect testing, and F tests (ANOVA) for simultaneous effect testing with the help of SPSS software. Based on the test results, the digital financial literacy variable (X1) has a positive and significant partial effect on customer decisions with a Tcount value of 2.416 > Ttable 1.985 and a significance of 0.018 < 0.05. The security variable (X2) also has a positive and significant partial effect with a Tcount value of 3.683 > Ttable 1.985 and a significance of 0.000 < 0.05. Simultaneously, digital financial literacy and security have a significant effect on customer decisions with a significance value of 0.000 < 0.05 and Fcount 29.334 > Ftable 3.09. This proves that digital financial literacy and security are important factors in customer decision making to use Livin by Mandiri
PERAN KOMITMEN ORGANISASI DALAM MEMEDIASI PENGARUH KEPEMIMPINAN TRANSFORMASIONAL, KUALITAS SUMBER DAYA MANUSIA, DAN SARANA PRASARANA TERHADAP KINERJA ASN PADA SEKTOR PUBLIK Abdul Jalil; Eni Rahmawati; Nizmayavira
Moneta: Jurnal Manajemen & Keuangan Syariah Vol. 4 No. 2 (2026): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v4i2.16722

Abstract

This study investigates the mediating role of organizational commitment in linking transformational leadership, human resource quality, and infrastructure support to employee performance within the public sector. Drawing on organizational behavior and human resource management perspectives, this research addresses the ongoing debate regarding the relative importance of leadership, structural support, and employee capability in shaping performance outcomes in bureaucratic institutions. A quantitative survey was conducted among civil servants at the Regional Office of the Ministry of Religious Affairs in Central Sulawesi Province. Using purposive sampling, data were collected from 64 respondents out of a population of 175 employees. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The findings reveal that transformational leadership does not exert a significant direct effect on either employee performance or organizational commitment. Human resource quality demonstrates a positive and significant effect on performance, while its influence on organizational commitment is not statistically significant. Infrastructure support significantly enhances organizational commitment but does not directly influence performance. Moreover, organizational commitment neither significantly affects employee performance nor mediates the relationships among the exogenous variables and performance. These results highlight that, in a bureaucratic public sector context, performance is primarily driven by employee capability rather than leadership style, infrastructural support, or affective attachment. The study contributes to the literature by challenging the assumed centrality of leadership and commitment in public sector performance and underscores the need to prioritize competency development and performance-oriented systems.
Co-Authors Abdul Jalil Ammar Asriyana, . Eni Rahmawati Ikmar Masykur IRHAM PAKKAWARU