THE EFFECT OF THE PERCEPTION OF SECURITY AND TRUST OF BANK SYARIAH INDONESIA CUSTOMERS ON THE INTEREST IN TRANSACTING USING MOBILE BANKING SERVICES (CASE STUDY OF FAI UMSU STUDENTS)
Keywords:
Perception of Security, Trust, Interest in Transactions, Mobile Banking, Sharia bankingAbstract
The develoment of digital banking services has changed the way people transact, especially the younger generation who are increasingly paying attention to security and trust aspects in the use of mobile banking. Althought Bank Syariah Indonesia (BSI) continues to innovate in BSI Mobile services, the level of interest in transacting among its users is still not optimal, creating a research gap regarding the factors that affect this interest. This study aims to analyze the influence of the perception of security and trust on the interest in transacting using BSI Mobile services among students of the Faculty of Islamic Religion, University of Muhammadiyah North Sumatra (FAI UMSU). The method used in this study is a quantitative approach with primary data collection through questionnaires. The research sample consisted of 100 respondents who were selected using a non-probability sampling technique using the quota sampling method. Data analysis was carried out by multiple linear regression using the SPSS program, accompanied by validity, reliability, classical assumption test, and hypothesis testing. The results of the study show that the perception of security and trust simultaneously have a significant influence on the interest in transacting using BSI Mobile. Partially, the perception of security has a positive and significant influence on the interest in transactions, while trust shows a positive but insignificant influence. These findings confirm that the security factor has a dominant role in increasing students' interest in the use of Islamic mobile banking services
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