Sebatik
Vol. 30 No. 1 (2026): June 2026

The Effect of Effectiveness, Accessibility, and Ease of Service of Digitalized Sharia Banking Services from BSI Mobile to BYOND by BSI on CustomerSatisfaction at The Gandapura Branch Office

Wardiyati Wardiyati (Administrasi Publik, Universitas Malikussaleh)
Maryam Maryam (Administrasi Publik, Universitas Malikussaleh)
Cut Sukmawati (Administrasi Publik, Universitas Malikussaleh)
Ferizaldi Ferizaldi (Administrasi Publik, Universitas Malikussaleh)
Teuku Zulkarnaen (Administrasi Publik, Universitas Malikussaleh)



Article Info

Publish Date
30 Jun 2026

Abstract

This study aims to determine how the effectiveness, accessibility, and ease of service affect customer satisfaction with the BYOND by BSI application at BSI KCP Gandapura. This study was motivated by the author's observation that the usage rate of the BYOND by BSI application among KCP Gandapura customers is still low, as reflected in the perception that BYOND is not yet able to provide a better service experience than BSI Mobile. Customers are also reluctant to switch because the BYOND application is considered ineffective, often experiences technical problems, is difficult to access at certain times, and has a display and features that are not yet fully user-friendly. This study used a quantitative method, where the data source used was primary data obtained by distributing questionnaires to Gandapura KCP customers who were BYOND by BSI users. The data analysis technique used was multiple linear regression analysis using SPSS software. The results showed that the effectiveness, accessibility, and ease of service partially had a positive and significant effect on customer satisfaction with the BYOND by BSI application at KCP Gandapura. Then, the simultaneous test results showed that effectiveness, accessibility, and ease of service also had a significant effect on customer satisfaction with the BYOND by BSI application at KCP Gandapura.

Copyrights © 2026






Journal Info

Abbrev

sebatik

Publisher

Subject

Computer Science & IT

Description

SEBATIK merupakan jurnal kumpulan artikel hasil penelitian, karya ilmiah, maupun program pengabdian masyarakat dari seluruh civitas akademik di Indonesia dalam rangka mengitegrasikan informasi. SEBATIK menyediakan layanan publikasi terbuka untuk semua kalangan umum, baik di semua lingkungan ...