The Role of Perceived Security in BYOND Mobile Banking Customers’ Intention to Use

Bimantoro, Hendwi Putra

Contemporary Studies in Economic, Finance and Banking (CSEFB)
Vol. 5 No. 3 (2026)

This major change to a digital economy triggered tightness competition in mobile banking services which pressures service providers such as the BYOND application from Bank Syariah Indonesia (BSI) to guarantee system security and client data privacy against vulnerable cyber threats. The research intends to analyse the effect of Perceived Security on the Use Intention. The research approach is quantitative and explanatory. The main data were obtained from 385 BYOND users in Bandar Lampung using a Likert scale questionnaire, selected with a purposive sample technique, and analysed with Partial Least Square (PLS) based Structural Equation Modelling (SEM) using the SmartPLS software. The test's results demonstrate that Use Intention is positively and significantly impacted by Perceived Security. The outcomes of this research conclude that the system security is the key basis of customer trust. This is eventually performed into concrete financial transaction decisions.