Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Vol. 8 No. 9 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah

Analisis Inovasi Teknologi dan Sistem Keamanan Terhadap Kepercayaan Nasabah dengan Kepuasan Nasabah Sebagai Variabel Intervening

Salsabilla Izzati (Universitas Islam Negeri Raden Intan Lampung, Bandar Lampung, Lampung, Indonesia)
Femei Purnamasari (Universitas Islam Negeri Raden Intan Lampung, Bandar Lampung, Lampung, Indonesia)
Anggun Okta Fitri (Universitas Islam Negeri Raden Intan Lampung, Bandar Lampung, Lampung, Indonesia)



Article Info

Publish Date
03 Sep 2026

Abstract

This study is motivated by the importance of technological innovation and security systems in enhancing customer trust in Islamic mobile banking services. The objective of this study is to analyze the effects of technological innovation and security systems on customer trust, with customer satisfaction serving as a mediating variable among Islamic mobile banking users in Bandar Lampung City. This study employed a quantitative approach using an associative research method. The sample consisted of 100 respondents selected through purposive sampling. Data were collected using a questionnaire and analyzed through Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4.0 software. The findings indicate that technological innovation has a significant positive effect on both customer trust and customer satisfaction. Meanwhile, security systems have a significant positive effect on customer trust but do not have a significant effect on customer satisfaction. Customer satisfaction is also found to have a significant positive effect on customer trust. Furthermore, customer satisfaction does not mediate the relationship between technological innovation and customer trust, but it does mediate the relationship between security systems and customer trust. Based on these findings, it can be concluded that improving customer trust in Islamic mobile banking services requires continuous technological innovation, stronger security systems, and enhanced customer satisfaction.

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Journal Info

Abbrev

alkharaj

Publisher

Subject

Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Description

Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah is a scientific journal published by Pusat Riset dan Kebijakan Strategis PRKS) of  Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor in collaboration with Masyarakat Ekonomi Syariah (MES) and Intelectual Association for Islamic Studies ...