Comparative Analysis of STAINIM Student Satisfaction Towards M-Banking Services at Bank Syariah Indonesia and CIMB Niaga Syariah

Nuril Hidayatus Soimah; Moh. Ali Hamdan; Dewi Lisvi Riza Vahlevi

Authors

Nuril Hidayatus Soimah Sekolah Tinggi Agama Islam An Najah Indonesia Mandiri Sidoarjo Author
Moh. Ali Hamdan Sekolah Tinggi Agama Islam An-Najah Indonesia Mandiri Sidoarjo Author
Dewi Lisvi Riza Vahlevi Sekolah Tinggi Agama Islam An-Najah Indonesia Mandiri Sidoarjo Author

Keywords:

Bank Syariah Indonesia, CIMB Niaga Syariah, M-Banking Services, STAINIM Student Satisfaction

Abstract

This research is motivated by technological developments that have led to the emergence of new innovations in the banking industry, namely mobile banking services. The purpose of this study was to compare STAINIM students' satisfaction with the mobile banking services of Bank Syariah Indonesia and CIMB Niaga Syariah. This study used a descriptive qualitative approach with data collection techniques through interviews and documentation. The data validity technique in this study used the source triangulation method by selecting three sources of informants: student service users, CIMB Niaga Syariah KC Darmo Surabaya Hajj marketing staff, and BSI KCP Jenggolo customer service. The results of the study show the results of a comparison of STAINIM student satisfaction using BYOND and Octo Mobile. Where BYOND is considered superior in terms of reliability in terms of promise fulfillment, while Octo Mobile is also superior in terms of reliability in terms of system stability. Byond is also considered superior based on the ease of interface display and navigation. Byond is also considered superior in terms of responsiveness and solutions, while Octo is only superior in terms of responsiveness, but less in terms of responsiveness of solutions. Byond and Octo mobile are both good in terms of security. And Byond and Octo Mobile are both considered to have various additional features and innovations in each service that are different from each other. BYOND is more financial, social, and spiritual integration with complete features for worship needs (such as Hajj savings and gold installments), while Octo Mobile emphasizes the ease of daily digital transactions and comprehensive investment management with modern innovations such as QRIS, NFC

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