Efektivitas Fitur Pembayaran BPJS pada Aplikasi BYOND terhadap Loyalitas Digital

Authors

  • Aufa Dhia Rifar Islamic Banking IAIN Bone, Indonesia

DOI:

https://doi.org/10.30863/ibf.v5i2.6065

Keywords:

BPJS, BYOND, Fitur Digital, Loyalitas, m-Banking Syariah

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh efektivitas fitur pembayaran tagihan BPJS pada aplikasi BYOND by BSI terhadap loyalitas digital konsumen mobile banking syariah di Kabupaten Bone. Transformasi digital dalam perbankan syariah menuntut layanan yang efektif, mudah, cepat, aman, dan informatif guna meningkatkan kepuasan serta loyalitas nasabah. Secara teoritis, Technology Acceptance Model menjelaskan bahwa persepsi kemudahan dan kemanfaatan memengaruhi penerimaan teknologi dan penggunaan berkelanjutan, sementara kualitas sistem dan layanan yang baik akan berdampak pada loyalitas pelanggan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 68 responden nasabah aktif BSI yang pernah menggunakan fitur pembayaran BPJS, dengan teknik accidental sampling dan analisis regresi linear sederhana menggunakan SPSS 27. Hasil penelitian menunjukkan bahwa efektivitas fitur pembayaran BPJS berpengaruh positif dan signifikan terhadap loyalitas digital konsumen, dengan nilai t-hitung 18,117 dan signifikansi 0,000 (<0,05). Koefisien determinasi (R Square) sebesar 0,833 menunjukkan bahwa 83,3% variasi loyalitas digital dapat dijelaskan oleh efektivitas fitur, sehingga peningkatan kualitas sistem, keamanan, dan kecepatan layanan menjadi strategi penting dalam memperkuat loyalitas nasabah mobile banking syariah.

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Published

2026-03-25

How to Cite

Rifar, A. D. (2026). Efektivitas Fitur Pembayaran BPJS pada Aplikasi BYOND terhadap Loyalitas Digital. Islamic Banking and Finance, 5(2), 765–781. https://doi.org/10.30863/ibf.v5i2.6065

Issue

Vol. 5 No. 2 (2025)

Section

Articles

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