Pengaruh E-Service Quality dan Kepercayaan terhadap Kepuasan Nasabah Melalui Perceived Value pada Pengguna Mobile Banking: Studi Survei 100 Responden di Gedung RDTX Square Jakarta Selatan

Muhammad Fardiansyah Hendratama; Osly  Usman

doi:10.4444/jisma.v5i3.1266

Authors

Muhammad Fardiansyah Hendratama Universitas Negeri Jakarta, Indonesia
Osly Usman Universitas Negeri Jakarta, Indonesia

DOI:

https://doi.org/10.4444/jisma.v5i3.1266

Abstract

Perkembangan transformasi digital dalam industri perbankan telah meningkatkan penggunaan layanan mobile banking sebagai sarana transaksi yang cepat, mudah, dan fleksibel. Penelitian ini bertujuan untuk menganalisis pengaruh e-service quality dan kepercayaan terhadap kepuasan nasabah menjadi faktor penting yang mempengaruhi kepuasan nasabah melalui perceived value sebagai variabel mediasi pada pengguna mobile banking. Penelitian menggunakan pendekatan kuantitatif dengan metode explanatory research, serta penelitian dilakukan melalui metode survei melalui kuesioneryang dibagikan kepada 100 responden pengguna mobile banking di Gedung RDTX Square Jakarta Selatan yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) dengan bantuan aplikasi SmartPLS 4.0. Hasil penelitian menunjukkan bahwa e-service quality berpengaruh positif dan signifikan terhadap perceived value dan kepuasan nasabah. Kepercayaan juga terbukti berpengaruh positif dan signifikan terhadap perceived value serta kepuasan nasabah. Selain itu, perceived value memiliki pengaruh positif dan signifikan terhadap kepuasan nasabah serta berperan sebagai variabel mediasi dalam hubungan antara e-service quality dan kepercayaan terhadap kepuasan nasabah. Penelitian mengindikasikan bahwa peningkatan kualitas layanan digital, keamanan transaksi, kehandalan sistem, dan kepercayaan nasabah mampu meningkatkan nilai yang dirasakan serta kepuasan pengguna mobile banking. Penelitian ini memberikan kontribusi teoritis dalam pengembangan literatur pemasaran jasa dan digital banking, serta memberikan implikasi praktis bagi industri perbankan untuk meningkatkan kualitas layanan digital dan membangun kepercayaan nasabah guna menciptakan kepuasan yang berkelanjutan.

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