IRDH International Journal of Social Sciences & Humanities (IRDH IJSCH)
Vol. 3 No. 2 (2026): June

The Impact of Payment System Digitalization on Customer Satisfaction at PT. Bank Perekonomian Rakyat (BPR) Kawan, Dau District, Malang Regency

Yosefina Jewarus (Management, Faculty of Economics, University of Tribhuwana Tunggadewi , Malang, Indonesia)
Anung Prasetyo Nugroho (Management, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia)
Fitria Setyaningrum (Management, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia)



Article Info

Publish Date
30 Jun 2026

Abstract

The purpose of this study is to find out how the digitization of the payment system has an impact on customer satisfaction of PT. Kawan People's Economic Bank, Dau District, Malang Regency. This research is a quantitative research that uses a causal associative approach. The population uses all active customers at PT Bank Perekonomian Rakyat (BPR) Kawan, Dau District, Malang Regency which uses digital payment system services totaling 325 people. A total of  77 people were determined through purposive sampling methods.  Instructors use surveys.  Data analysis was carried out using simple linear regression analysis. To test the hypothesis, a (partial) t-test is used. The results of multiple linear regression showed a positive regression coefficient value and a long square value (R2) of 0.567, which showed an influence contribution of 56.7%. In addition, the tcal value is greater than the ttable value (9.917 is greater than 1.992), and its significance value is 0.000, which indicates that the p-value < 0.05. Therefore, it is concluded that the digitization of the payment system has a positive and significant effect on customer satisfaction at PT. Kawan People's Economic Bank, Dau District, Malang Regency. The management of PT. Bank Perekonomi Rakyat Kawan is advised to continue to improve the quality and development of payment system digitalization in a sustainable manner, especially in terms of system reliability, transaction security, and ease of use of services, as well as strengthen digital literacy education programs for customers so that the use of digital services can run optimally and evenly.  

Copyrights © 2026






Journal Info

Abbrev

ijsch

Publisher

Subject

Humanities Social Sciences

Description

IRDH International Journal of Social Sciences & Humanities (IRDH IJSCH) is a periodical scientific journal (three times a year) February, June & October. The main purpose of this journal is to disseminate scientific articles in the field of social sciences and humanities, which have a theoretical ...