JIHBIZ :Global Journal of Islamic Banking and Finance.
Vol. 7 No. 1 (2025)

Determinants of Customer Perceptions in Utilizing Mobile Banking in Traditional Society: A Lesson from Aceh

Azhary, Riza Aulia (Unknown)
Izar, Shahibul (Unknown)



Article Info

Publish Date
31 Jan 2025

Abstract

This study aims to determine the effect of service quality, products and promotions on customer perceptions of using mobile banking ACTION on PT. Bank Aceh Syariah Jantho Branch. A Quantitative research method with multiple linear regression analysis using IBM SPSS software version 25 was employed. The results showed that service quality, products and promotions variables positively and significantly affected customer perceptions of using mobile banking ACTION. Customer perceptions of mobile banking ACTION variable can be explained by service quality, products and promotions variables 69,5%, while other variables outside the study might influence the effect. This research is expected to provide insights into the use of mobile banking, particularly ACTION Mobile at Bank Aceh Syariah, and the main factors that may influence customers to utilize this service feature.ABSTRAKPenelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan, produk, dan promosi terhadap persepsi nasabah dalam memanfaatkan mobile banking ACTION di PT. Bank Aceh Syariah Cabang Jantho. Metode yang diterapkan adalah kuantitatif dengan analisis regresi linier berganda menggunakan perangkat lunak IBM SPSS versi 25. Hasil penelitian menunjukkan bahwa variabel kualitas layanan, produk, dan promosi memiliki pengaruh positif dan signifikan terhadap persepsi nasabah dalam menggunakan mobile banking ACTION. Persepsi nasabah terhadap variabel mobile banking ACTION dapat dijelaskan oleh variabel kualitas layanan, produk, dan promosi sebesar 69,5%, sementara variabel lain di luar penelitian ini diduga dapat memengaruhi pengaruh tersebut. Penelitian ini diharapkan dapat memberikan pandangan terkait penggunaan mobile banking, khususnya ACTION Mobile di Bank Aceh Syariah, dan faktor utama yang dapat mempengaruhi nasabah untuk menggunakan fitur layanan ini.

Copyrights © 2025






Journal Info

Abbrev

jihbiz

Publisher

Subject

Economics, Econometrics & Finance

Description

Jihbiz : Global Journal of Islamic Banking and Finance publishes research articles of interest to Islamic Banking, Insurance/ Takaful, Islamic Accounting, Business Ethics and Legal Issues, Work Ethics, Islamic Work Ethics, Islamic Corporate Social Responsibility, Islamic Financial management, ...