Jurnal PROFIT: Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Vol. 12 No. 2 (2025): Jurnal PROFIT: Kajian Pendidikan Ekonomi dan Ilmu Ekonomi

Risiko Operasional Layanan Digital BYOND terhadap Kepuasan Nasabah BSI

Putri Cahyaningtyas (UIN Sultan Maulana Hasanudin Banten)
Zakiatun Nufus (UIN Sultan Maulana Hasanuddin Banten)
Yani Aguspriani (UIN Sultan Maulana Hasanuddin Banten)



Article Info

Publish Date
24 Jul 2026

Abstract

This study aims to analyze the effect of BYOND digital service operational risks on Bank Syariah Indonesia customer satisfaction. The research method used is a quantitative approach with a causal associative design. Data were collected through a Likert scale-based questionnaire distributed online to students of the 2023 Sharia Banking Study Program at UIN Sultan Maulana Hasanuddin Banten, with a total of 66 respondents. Data analysis techniques used simple linear regression and t-tests with the help of SPSS version 25. The results showed that the operational risk of BYOND digital services had a positive and significant effect on customer satisfaction, with a regression coefficient value of 0.507 and a significance value of 0.001 < 0.05. The coefficient of determination (R²) value of 0.152 indicates that operational risk can explain 15.2% of the variation in customer satisfaction. This study emphasizes the importance of managing the operational risk of digital services in improving customer satisfaction in Islamic banking.

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Journal Info

Abbrev

JP

Publisher

Subject

Description

The aim of the PROFIT, p-ISSN 2355-7176 dan e-ISSN 2620-8504, is to provide an national forum for the sharing, dissemination and discussion of research, experience and perspectives across a wide range of education, teaching, development, instruction, educational projects and innovations, learning ...