The growing digitalization of financial services at Pegadaian Syariah has increased the importance of both user-friendly digital platforms and high-quality service delivery in shaping customer experiences. This study examines the effects of digital service convenience through the Tring application and service quality on customer satisfaction at Pegadaian Syariah Ar-Hakim Medan, both individually and jointly. A quantitative approach with an associative research design was employed. Primary data were collected through questionnaires from 120 customers and analyzed using multiple linear regression. The findings indicate that digital service convenience has a positive and statistically significant association with customer satisfaction (B = 0.251, β = 0.407, t = 5.282, p < .001). Service quality likewise exhibits a positive and statistically significant association with customer satisfaction (B = 0.318, β = 0.440, t = 5.708, p < .001). When considered jointly, digital service convenience and service quality significantly explain variations in customer satisfaction (F = 84.180, p < .001), accounting for 59.0% of the variance in customer satisfaction (R² = 0.590; Adjusted R² = 0.583). The findings suggest that customer satisfaction at Pegadaian Syariah is associated with the interaction between technological convenience and service quality. Accordingly, digital transformation should be accompanied by continuous improvements in platform usability and responsive, reliable, and customer-oriented service delivery. The study highlights the importance of integrating digital service development with service-quality enhancement in strengthening customer satisfaction within Islamic financial service institutions.
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