CUSTOMER DECISIONS ON BSI MOBILE: A PERCEIVED RISK PERSPECTIVE
DOI:
https://doi.org/10.29103/icofeb.v1i-.625Keywords:
Mobile Banking, Perceived Risk, Perceived Ease of Use, Perceived Usefulness, Islamic BankingAbstract
This study investigates the factors influencing the decision of Bank Syariah Indonesia (BSI) customers to use the BSI Mobile application, focusing on perceived risk, perceived ease of use, and perceived usefulness. Utilizing a quantitative approach, data were collected from 160 respondents in Lhokseumawe City through a structured questionnaire. The research employs multiple linear regression analysis to examine the relationships between the independent variables (perceived risk, perceived ease of use, and perceived usefulness) and the dependent variable (decision to use BSI Mobile). The findings reveal that all three independent variables significantly influence the decision to use BSI Mobile, with perceived ease of use and perceived usefulness having a more substantial impact compared to perceived risk. The study contributes to the understanding of mobile banking adoption in the context of Islamic banking and provides practical insights for enhancing customer engagement with mobile banking services
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