Journal of Finance and Islamic Banking
Vol. 5 No. 1 (2022)

Digitalization of Sharia Banking: The Influence of Self Service Technology on The Satisfaction of Millenial Customers

Juliana Nasution (UIN Sumatera Utara Medan)
Saparuddin Siregar (UIN Sumatera Utara Medan)
Sugianto Sugianto (UIN Sumatera Utara Medan)



Article Info

Publish Date
31 Mar 2023

Abstract

Digitalization has penetrated the world of Islamic banking for a long time, including in the form of Self Service Technology, including mobile banking. The purpose of this study was to see whether the dimensions of the quality of mobile banking affect customer satisfaction. The author conducted a survey using a questionnaire distributed to the millennial generation in the city of Medan. The collected data was then analyzed using SPSS 25 using the multiple linear regression analysis methods. The results of data analysis show that simultaneously, the quality of SST has an effect on customer satisfaction. The dimensions of security/privacy in mobile banking partially affect the satisfaction of millennial Islamic banking customers. While other dimensions, namely enjoyment, design/aesthetics, sociality, and practicality, partially have no effect. The results of this study indicate that customer satisfaction can be explained by all variables in the study of 69.8%. Based on these results, Islamic banking needs to improve the performance of mobile banking. Banking digitalization must pay attention to the quality dimension, not just converting banking services into digital form.

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Journal Info

Abbrev

jfib

Publisher

Subject

Religion Economics, Econometrics & Finance Social Sciences

Description

Journal of Finance and Islamic Banking is a peer reviewed journal that is published by the Sharia Banking Department of UIN Raden Mas Said Surakarta in collaboration with the scholars association Ikatan Ahli Ekonomi Islam, published biannually in June and December. This journal publishes current, ...