PENGARUH DIGITALISASI PERBANKAN MELALUI SELF SERVICE TECHNOLOGY TERHADAP KEPUASAN MAHASISWA PENGGUNA LAYANAN DIGITAL BANK SYARIAH

Abstract

Banking has begun to evolve by developing banking services through self-service technology towards customer satisfaction, one of which is students. Self-service technology with the aim of Automated Teller Machine/ATM, Mobile Banking, and Internet Banking which are served electronically and using the internet. Thus, both the bank and the customer will benefit greatly because they do not waste time and energy just waiting in line for the teller or customer service. Therefore, by using self-service technology, students can use it anytime and anywhere. The purpose of this study is to examine how much influence the Automatic Teller Machine (ATM), Mobile Banking, and Internet Banking services have on student satisfaction with Islamic bank digital service users. The technique used in this study is to use multiple linear regression analysis. Simultaneous research results (F test) show that self-service technology (ATM, Mobile Banking, and Internet Banking) affects student satisfaction using Islamic banking digital services. And partially (t-test) shows a) ATM variable partially has a positive and significant effect on student satisfaction using Islamic bank services. b) The Mobile Banking variable partially has a positive and significant effect on student satisfaction using Islamic bank services. c) Internet Banking variable partially has a positive and significant effect on student satisfaction using Islamic banking services