<![CDATA[Mobile banking satisfaction depends on customers’ evaluations of transaction performance and the protection of their financial interactions. This study examines perceived transaction service quality and perceived transaction security as predictors of customer satisfaction among Bima Mobile users at Bank Jateng Surakarta Branch, Indonesia. A quantitative explanatory cross-sectional survey involved 250 customers during January–April 2026. Fifteen indicators measured three constructs on five-point agreement scales, and the reported analysis used covariance-based structural equation modeling with normal-theory maximum likelihood estimation. Standardized factor loadings ranged from 0.717 to 0.803, composite reliability from 0.867 to 0.880, and average variance extracted from 0.566 to 0.594. The model showed satisfactory fit: χ²(87) = 91.382, CFI = 0.998, TLI = 0.997, RMSEA = 0.014, and SRMR = 0.035. Transaction service quality was positively associated with satisfaction (β = 0.533; B = 0.558; 95% CI [0.402, 0.714]), as was perceived security (β = 0.252; B = 0.269; 95% CI [0.126, 0.411]). Together, the predictors explained 46.2% of latent satisfaction variance. These findings support distinguishing transaction execution quality from customers’ security perceptions when evaluating mobile banking satisfaction. Transaction clarity, consistent service delivery, and understandable security communication are relevant areas for managerial attention. The cross-sectional design limits causal interpretation, and perceived security does not establish technical cybersecurity performance.]]>
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