Jurnal Multidisiplin Sahombu
Vol. 6 No. 02 (2026): Jurnal Multidisiplin Sahombu, 2026

The Effect of M-Banking Use and Transaction Security on Customer Investment Decisions with Financial Behavior as an Intervening Variable at BNI Bank in Bukittinggi City

Suci Nofita Sari (Unknown)
Lusiana, Lusiana (Unknown)
Fitri Yeni (Unknown)

Article Info

Publish Date
09 Mar 2026

Abstract

This study aims to examine the influence of mobile banking usage and transaction security on customer investment decisions, with financial behavior as an intervening variable at Bank BNI in Bukittinggi City. Data collection was conducted through a survey and questionnaire distribution, with a sample of 100 respondents. The analysis method used was structural equation modeling using SmartPLS. The results showed a significant influence of mobile banking on financial behavior. Transaction security significantly impacted financial behavior. M-banking significantly impacted investment decisions. Transaction security significantly impacted investment decisions. Financial behavior significantly impacted investment decisions. Financial behavior mediated the influence of mobile banking on investment decisions. Financial behavior mediated the influence of transaction security on investment decisions.

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Journal Info
Jurnal Multidisiplin Sahombu
Website

Abbrev

JMS

Publisher

SEAN INSTITUTE

Subject

Arts Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice

Description

Jurnal Multidisiplin Sahombu is at the scope of the multidisciplinary intended is only limited to the following points, Economics Politics Public Business Civil society, Finance Culture Arts ...