PengaruhTeknologi Informasi, Kualitaas Pelayanan dan Keunggulan Terhadap Minat Generasi Milenial Menggunakan Mobile Banking di Bank Syariah

Authors

  • Divka Adella Cahyana Universitas Islam Negeri Raden Fatah Palembang
  • Peny Cahaya Azwari Universitas Islam Negeri Raden Fatah Palembang

DOI:

https://doi.org/10.61231/mjeec.v1i2.100

Keywords:

Information Technology, Service Quality, Excellence, Mobile Banking, Millennial Generation

Abstract

This study aims to determine whether the relationship between Information Technology, Service Quality, Excellence to the interest of the Millennial Generation using Mobile Banking at Islamic Banks. This type of research is correlation research using a quantitative approach. The sample of this study was 50 respondents, namely students and customers who were registered as mobile banking users at Islamic banks. Data collection techniques using questionnaires. The data analysis method uses multiple linear regression tests, reliability tests, validity tests and hypothesis tests (F test and T test), then the data is processed using the SPSS application. This study suggests that the variables of information technology, service quality and excellence have a significant effect together (simultaneously) on the dependent variable, namely the interest of the millennial generation

References

Afifah, R. (2017). Pengaruh Manfaat, Kemudahan, Kepercayaan dan Ketersediaan Fitur Terhadap Penggunaan Mobile Banking Bank Syariah Mandiri. Jurnal Ekonomi, 32.

Amijaya, G. (2010). Terhadap Minat Ulang Nasabah Bank Dalam Menggunakan Internet Banking ( Studi Pada Nasabah Bank BCA ).

Arianto, N., & Difa, S. A. (2020). Pengaruh kualitas pelayanan dan kualitas produk terhadap minat beli konsumen pada PT Nirwana Gemilang Property. Jurnal Disrupsi Bisnis, 3(2).

CNBC Indonesia. (2020). Ada 2 Masalah Di Balik Literasi Keuangan Digital RI. https://www.cnbcindonesia.com/news/20200824170208-4-181599/ada-2-masalah-di-balik-literasi-keuangan-digital-ri

Fandi, A. (2019). Pengaruh Kualitas Layanan Terhadap Minat Nasabah Menggunakan Mobile Banking PT Bank Syariah Mandiri Surabaya. Jurnal Ekonomi Islam, 2(3), 110–117.

H. Madiistriyatno. (2020). Generasi Milenial. Widina Bhakti Persada Bandung.

Hati, S. W., & Harefa, W. S. (2019). Analisis Faktor-Faktor Yang Mempengaruhi Minat Berinvestasi Di Pasar Modal Bagi Generasi Milenial (Studi Pada Mahasiswi Jurusan Manajemen Bisnis Politeknik Negeri Batam). Business Administration, 3(2), 281–295.

Henard, D. H., & Szymanski, D. M. (2001). Why Some New Products Are More Successful Than Others. XXXVIll.

Hikmah, P. (2023). Peran Teknologi Informasi , Partisipasi Anggaran dan Total Quality Management ( TQM ) dalam Meningkatkan Kinerja Manajerial pada BSI KC Kabanjahe. 9(01), 1404–1410.

Hutagalung, M. A. K. (2017). Pengaruh Pengetahuan Dan Sikap Terhadap Minat Masyarakat Pada Bank Syariah. Jurnal Al-Qasd, 1(66), 407–418.

Juliansya, A. (2018). Pengaruh teknologi informasi kemudahan, risiko dan fitur layanan terhadap minat nasabah menggunakan internet banking. Jakarta: Fakultas Ekonomi dan Bisnis UIN Syarif Hidayatullah.

kompas.com. (2021). Berebut Renyahnya Pasar Milenial Ramai-ramai Jadi Bank Digital. https://amp.kompas.com/money/read/2021/04/11/150900126/berebut-renyahnya-pasar-milenial-ramai-ramai-jadi-bank-digital

Kumar A., & L. H. (2008). Age differences in mobile service perceptions: comparison of generation Y and baby boomers.

Mardalena, N. T., Lubis, A. R., & Utami, S. (2018). Pengaruh Kesadaran Merek, Kepercayaan Merek Dan Keunggulan Produk Terhadap Minat Beli Produk Luxuri Fashion Brand Dengan Gender Sebagai Moderating Pada Pemasaran Media Sosial Di Kota Banda Aceh. Jurnal Magister Manajemen, 2(1), 99–114.

Muhammad Yaumi. (2018). Media Dan Teknologi Pembelajaran. Jakarta?: Prenada Media Group.

Pambudi, B. S. (2014). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Keamanan dan Ketersediaan Fitur terhadap Minat Ulang Nasabah Bank dalam Menggunakan Internet Banking (Studi pada Program Layanan Internet Banking BRI). Competence: Journal of Management Studies, 8(1).

Pangesti, R. (2018). Pengaruh Persepsi Risiko, Kepercayaan Dan Persepsi Teknologi Informasi Terhadap Minat Nasabah Menggunakan Mobile Banking (Studi Kasus Pada Nasabah Bank Bni Syariah Yogyakarta). UIN Sunan Kalijaga Yogyakarta.

Rini, D. M., Hufron, M., & Wahono, B. (2020). Pengaruh Kualitas Pelayanan Dan Keunggulan Produk IB Hasanah Terhadap Kepuasan Nasabah Pada PT Bank BNI Syariah Malang. E-JRM: Elektronik Jurnal Riset Manajemen, 9(22).

Sahir, S. H. (2022). Buku ini di tulis oleh Dosen Universitas Medan Area Hak Cipta di Lindungi oleh Undang-Undang Telah di Deposit ke Repository UMA pada tanggal 27 Januari 2022.

Sugiyono. (2018). Metode Penelitian Kuantitatif. Alfabeta.

Tjiptono, F. (2016). Service, Quality & Satisfaction. Penerbit Andi Yogyakarta.

Tripratiwi, D., Minarsih, M. M., & Hasiholan, L. B. (2016). Analisis Pengaruh Harga, Keunggulan Produk Dan Citra Merek Terhadap Minat Konsumen Dalam Pembelian Mobil Mitsubishi Sport Pada PT Bumen Redja Abadi Semarang. Journal Of Management, 2(2).

Ulum, M. ., & Mun’im, A. . (2023). Leadership and Performance of Teachers and Employees of SMK Sunan Drajat Lamongan. Multidisciplinary Journal of Education , Economic and Culture, 1(1), 1–12. https://doi.org/10.61231/mjeec.v1i1.48

Ulum, M. (2020). Basic Statistic With Statistical Package for Social Sciences. CV Pustaka Ilalang Lamongan.

Ulum, M. (2013). Mahir Analisa Data SPSS Statistical Product, Service Solution. Ghaneswara Yogyakarta.

Wardani, D. (2021). Faktor-Faktor Pengaruh Penggunaan Mobile Banking. Jurnal Sistem Informasi Bisnis (JUNSIBI), 2(1), 15–32. https://doi.org/10.55122/junsibi.v2i1.253

Wibowo, A. (2008). Kajian Tentang Perilaku Pengguna Sistem Informasi.

Downloads

Published

2023-09-25

How to Cite

Cahyana, D. A., & Azwari, P. C. (2023). PengaruhTeknologi Informasi, Kualitaas Pelayanan dan Keunggulan Terhadap Minat Generasi Milenial Menggunakan Mobile Banking di Bank Syariah. Multidisciplinary Journal of Education , Economic and Culture, 1(2), 103–116. https://doi.org/10.61231/mjeec.v1i2.100

Issue

Vol. 1 No. 2 (2023): September 2023

Section

Articles

License

Copyright (c) 2023 Divka Adella Cahyana, Peny Cahaya Azwari

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

You are free to:

  1. Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
  2. Adapt — remix, transform, and build upon the material for any purpose, even commercially.
  3. The licensor cannot revoke these freedoms as long as you follow the license terms.

Under the following terms:

  1. Attribution — You must give appropriate credit , provide a link to the license, and indicate if changes were made . You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
  2. No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.

Notices:

You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation .

No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.