THE INFLUENCE OF PERCEIVED USEFULNESS AND EASE OF USE ON CUSTOMER LOYALTY OF BANK SYARIAH ON CUSTOMERS OF THE BESTEEKU APPLICATION IN MEDAN SUNGGAL DISTRICT
Keywords:
Perceived Usefulness, Ease of Use, Customer Loyalty
Abstract
The purpose of this research is to find out whether there is an influence of perceived usefulness on customer loyalty, to find out whether there is an influence of ease of use on customer loyalty, and to find out whether there is an influence of perceived usefulness and ease of use on customer loyalty in the Bestee Ku application in Medan District Single. The population in this study was 215 customers of the Bestee Ku application in Medan Sunggal District. The sample in the study was 68 customers of the Bestee Ku application in Medan Sunggal District, taken using the slovin formula. The data collection technique used in this research was carried out by distributing questionnaires. The analysis techniques used in this research are multiple linear regression, partial test (t test), simultaneous significance test (F test) and coefficient of determination. The results of the research show that there is an influence of financial literacy on financial behavior with tcount of the influence of perceived usefulness on customer loyalty which can be seen tcount (2.148) > ttable (1.996) with a significant value of 0.035 < 0.05, there is an influence of ease of use on customer loyalty which can be seen tcount (6.589) > ttable (1.996) with a significant value of 0.000 < 0.05 and there is an influence of perceived usefulness and ease of use on customer loyalty in the Bestee Ku application in Medan Sunggal District, which can be seen Fcount (27,087) > Ftable (3.14) with a significance level of 0.000. Because the significant probability is much smaller than 0.05References
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Scientific Journal of Management and Business (JIMBI) , 2(2), 117–128.
Fahmy, M., & Azhari, M. (2020). The Influence of Perceived Benefits, Perceived Usefulness, and Perceived Risk on Consumer Behavioral Intentions in Using the Ovo-cash Feature in Bandung. eProceedings of Management , 7(1), 1–11.
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Ghozali, I. (2018). Multivariate Analysis Applications with the SPSS Program, Fourth Edition (7th ed.).
Semarang: Diponegoro University.
Guangwei, Bai, Yang, S., & Debayle, J. (2022). A Survey on the Use of Machine Learning in Social Media.
ACM Computing Surveys (CSUR) , 55(1), 1–39.
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Harrigan, M., Feddema, K., Wang, S., Harrigan, P., & Diot, E. (2021). How Trust Leads To Online Purchase Intention Founded In Perceived Usefulness And Peer Communication. Journal of Consumer Behavior , 20(5), 1297–1312.
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Jaya, & Suharto. (2021). The Relationship between Responsiveness and Customer Loyalty (Case Study of Supa Savings Customers of PT. BPR Sumber Pangasean Bandar Jaya). ACQUISITIONS: Journal of Accounting , 12(1), 11–25.
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Lestari, N., & Rahmat. (2018). Factors that influence the decision to use internet banking for BRI Bank customers in Surabaya. Journal of Business & Banking , 8(1), 141–145.
Lim Yi Jin, Abdullah Bin Osman, Mohd Suberi Bin AB. Halim (2018). Perceived Usefulness and Trust towards Consumer Behaviors: A Perspective of Consumer Online Shopping. Journal Title , 541- 546.
Lucyantoro, BI, & Rachmansyah, MR (2018). Implementation of Digital Marketing Strategy, Queuing Theory on Customer Satisfaction Levels (Case Study at MyBCA Ciputra World Surabaya). Ekonomika'45 , 5(1), 1–11.
Maharani, E., & Sari, B. (2019). The Influence of Perceived Ease of Use, Word of Mouth and Service Quality on Decisions to Use Grab. Journal of Social & Humanities , 3(1), 9–18.
Malik, ANA, & Annuar, SNS (2021). The Effect of Perceived Usefulness, Perceived Ease of Use, Reward, and Perceived Risk toward E-Wallet Usage Intention. Eurasian Business and Economics Perspectives , 1(1).
Marlien, R., & Afif, M. (2019). The Influence of Brand Extension, Brand Quality, and Product Quality on Brand Image and Damp
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Sharma, S. (2019). Green Marketing: A Gimmick Or The Real Deal? International Journal of Research in Finance and Marketing, 2(2), 1–11.
Sholihin, AI (2018). Sharia Economics. Jakarta: PT. Gramedia.
Sinaga, B., Adelia, W., & Nasution, H. (2020). International Journal of Multicultural and Multireligious Understanding Analysis of Mathematical Problem Solving Ability of Students Viewed from Creative Thinking Stages in Problem-Based Learning Model. International Electronics of Multicultural and Multireligious Understanding, 7(10), 496–502.
Sugiyono. (2019). Quantitative, Qualitative and R&D Research Methods. Bandung: PT Alfabeta. Sujarweni, V., & Wiratna. (2018). Research Methods: Complete, Practical, and Easy to Understand.
Yogyakarta: Pustaka Baru Press.
Syriac. (2021). Structural Equation Modeling with Lisrel 8.80. Yogyakarta: Kaukaba Dipantara. Suryatenggara, A., & Dahlan, R. (2022). The Influence of Perceived Usefulness, Perceived Ease of Use,
and Perceived Price on Customer Loyalty to Gojek through Customer Satisfaction (Study of Gojek Application Users in Jabodetabek).
Susanti, E., & Parera, NO (2021). Customer Loyalty From the Ease of Using Mobile Banking.
International Journal of Digital Entrepreneurship and Business, 2(1), 39–48.
Tjiptono, F., & Anastasia, D. (2020). Customer Satisfaction-Concept, Measurement, and Strategy.
Yogyakarta: Andi.
Wahyudi, B., & Yanthi, MD (2021). Acceptance of Tam Theory on the Use of Mobile Payment with Compatibility as an External Variable. Accountability, 15(1), 55–72.
Wardana, KW, Radito, & Risangadi. (2019). Governance Risk Management Compliance: Managing Uncertainties With Integrity and Integration. Jakarta.
Wardhana, A., & Yulia, Y. (2020). The Influence of Ease of Use, Irreplaceable Value, System Quality, Technology Awareness and Visual Design on Positive Word of Mouth and Repurchase Intention Mediated by Brand Loyalty. Management Insight: A Scientific Journal, 15(1), 65–77.
Wardhana, Aditya. (2015). Digital Marketing Strategy and Its Implications for the Competitive Advantage of SMEs in Indonesia. Finance and Business Forum, 4(1), 327–334.
Wulandari, OAD, Pradiva, FA, & Aziz. (2020). The Influence of Perceived Ease and Usefulness on Satisfaction in Building OVO User Loyalty. Journal of Management and Business (Performance), 17(2), 1–9.
Xia, C., Zhang, A., Wang, H., & Yeh, AGO (2019). Predicting the Expansion of Urban Boundaries Using Space Syntax and Multivariate Regression Model. Habitat International, 8(6), 126–134.
Zata, G. M., & Daud, R. M. (2020). Comparative Analysis of Financial Performance in General Sharia Before and After Conducting SPIN-OFF (Study at Bank BTPN Syariah). Journal of Management Economics and Accounting, 5(1), 149–158.
Alalwan, AA, Dwivedi, YK, & Rana, NP (2018). Title of the article. International Journal of Bank Marketing , 35(3), 413-430.
Atty, A., Budi, I., & Wibowo, S. (2024). SiPINTAR Mobile Library Application: Perceived Usefulness and Ease of Use. Journal Name , 15(2), 25-40.
Batu, RL, Situngkir, TL, Krisnawati, I., & Halim, S. (2019). The Influence of Digital Marketing on Online Purchase Decisions on the Shopee Online Shopping Platform. Jakarta State Polytechnic Journal of Economics & Business , 18(2), 144–152.
IDX. (2022). List of Sharia Banking . Jakarta.
Budiarno, Udayana, Lukitaningsih, & Ambar. (2022). The Influence of Service Quality, Product Quality on Customer Satisfaction in Forming Customer Loyalty. Equilibrium: Journal of Educational and Economic Research , 19(2), 1–11.
Burhan, F.A. (2023). Relying on the IbuIbu Community, BTPN Syariah (BTPS) Strategy Captures Ultramicro Market Potential. Bisnis.com .
Chole, N., & Dharmik, K. M. (2018). Digital Marketing & Social Media. In International Conference Business Remodeling: Exploring New Initiatives In Key Business Functions (p. 1-1). Nagpur: Tripude Institute of Management Education.
Ding, X., Verma, R., & Iqbal, Z. (2022). Title of the article. Journal of Retailing and Consumer Services , 65, 102859.
Erina, N. (2021). Analysis of the Use of the Linkaja Application Using the Technology Acceptance Model.
Scientific Journal of Management and Business (JIMBI) , 2(2), 117–128.
Fahmy, M., & Azhari, M. (2020). The Influence of Perceived Benefits, Perceived Usefulness, and Perceived Risk on Consumer Behavioral Intentions in Using the Ovo-cash Feature in Bandung. eProceedings of Management , 7(1), 1–11.
Firdaus, MF, & Himawati, D. (2022). The Influence of Price Perception, Service Quality Perception and Ease of Use Perception on Shopee E-Commerce Consumer Satisfaction in Depok City. Scientific Journal of Business Economics , 27(2), 216–230.
Ghozali, I. (2018). Multivariate Analysis Applications with the SPSS Program, Fourth Edition (7th ed.).
Semarang: Diponegoro University.
Guangwei, Bai, Yang, S., & Debayle, J. (2022). A Survey on the Use of Machine Learning in Social Media.
ACM Computing Surveys (CSUR) , 55(1), 1–39.
Hardani, Andriani, H., Ustiawat EF, Istiqomah, RR, Fardani, RA, Sukmana, DJ, et al. (2020). Qualitative & Quantitative Research Methods . Yogyakarta: Pustaka Ilmu Group.
Harrigan, M., Feddema, K., Wang, S., Harrigan, P., & Diot, E. (2021). How Trust Leads To Online Purchase Intention Founded In Perceived Usefulness And Peer Communication. Journal of Consumer Behavior , 20(5), 1297–1312.
Hisam, S. (2018). Digital Marketing: Understanding According to Experts (Benefits-Advantages- Disadvantages) . Jakarta: Salemba Empat.
Isnawati, R. (2020). Creative Ways in the Learning Process (Learning Concentration in Children, Symptoms of Attention Deficit Disorder (ADD) . Jakarta: CV. Jakad Media Publishing.
Jaya, & Suharto. (2021). The Relationship between Responsiveness and Customer Loyalty (Case Study of Supa Savings Customers of PT. BPR Sumber Pangasean Bandar Jaya). ACQUISITIONS: Journal of Accounting , 12(1), 11–25.
Jogiyanto. (2019). Portfolio Theory and Investment Analysis (10th Edition) . Yogyakarta: BPFE Yogyakarta.
Dataword. (2022). Indonesia's Digital Economy Predicted to IDR 1,198 Trillion This Year. Jakarta. Kenyta, C. (2022). Analysis of the Effect of Perceived Usefulness, Perceived Ease of Use, and Trust of
Security on Customer Loyalty through Customer Satisfaction on the OVO Application. Journal Name , 12(3), 45-67.
Kertajaya, H. (2019). Growing Customer Loyalty . Jakarta: PT. Gramedia.
Khoirunnisa, PN, & Arifah, U. (2022). The Influence of Satisfaction, Trust and Ease of Use of the Application on Shopee Online Consumer Loyalty. Journal of Management, Economics, and Entrepreneurship , 1(1), 21–38.
Khotimah, K., & Febriansyah. (2018). The Influence of Ease of Use, Consumer Trust and Advertising Creativity on Online-Shop Consumer Purchase Interest. Journal of Strategic Management and Business Applications , 1(1), 19–26.
Kotler, P., & Keller, K. L. (2018). Marketing Management, 15th Edition . New Jersey: Pearson Education. Laila, N., & Herawati, NT (2021). The Influence of Perceptions of Usefulness, Convenience and Security Related to Electronic Money on Satisfaction with E-Money Use (Study of Users of Ketapang- Gilimanuk Sea Transportation Services). JIMAT: Scientific Journal of Accounting Students at
Ganesha Education University , 12(2), 403–412.
Laluyan, GI, Wibowo, I., & Setiorini, A. (2019). Implementation of Digital Marketing on JD.id Jakarta Consumer Purchasing Decisions. Krisnadwipayana Business Management Journal , 7(3).
Lestari, N., & Rahmat. (2018). Factors that influence the decision to use internet banking for BRI Bank customers in Surabaya. Journal of Business & Banking , 8(1), 141–145.
Lim Yi Jin, Abdullah Bin Osman, Mohd Suberi Bin AB. Halim (2018). Perceived Usefulness and Trust towards Consumer Behaviors: A Perspective of Consumer Online Shopping. Journal Title , 541- 546.
Lucyantoro, BI, & Rachmansyah, MR (2018). Implementation of Digital Marketing Strategy, Queuing Theory on Customer Satisfaction Levels (Case Study at MyBCA Ciputra World Surabaya). Ekonomika'45 , 5(1), 1–11.
Maharani, E., & Sari, B. (2019). The Influence of Perceived Ease of Use, Word of Mouth and Service Quality on Decisions to Use Grab. Journal of Social & Humanities , 3(1), 9–18.
Malik, ANA, & Annuar, SNS (2021). The Effect of Perceived Usefulness, Perceived Ease of Use, Reward, and Perceived Risk toward E-Wallet Usage Intention. Eurasian Business and Economics Perspectives , 1(1).
Marlien, R., & Afif, M. (2019). The Influence of Brand Extension, Brand Quality, and Product Quality on Brand Image and Damp
Salsabilla, N., Novel, NJA, & Syentia, L. (2023). BTPN Syariah Customer Assistance Through the Sahabat Daya Program by Introducing the Right Daya Application on MMS Tilatang Kamang. Kumawula: Journal of Community Service, 6(2), 500–507. https://journal.feb.unmul.ac.id/index.php/JURNALMANAJEMEN/article/view/10130
Sharma, S. (2019). Green Marketing: A Gimmick Or The Real Deal? International Journal of Research in Finance and Marketing, 2(2), 1–11.
Sholihin, AI (2018). Sharia Economics. Jakarta: PT. Gramedia.
Sinaga, B., Adelia, W., & Nasution, H. (2020). International Journal of Multicultural and Multireligious Understanding Analysis of Mathematical Problem Solving Ability of Students Viewed from Creative Thinking Stages in Problem-Based Learning Model. International Electronics of Multicultural and Multireligious Understanding, 7(10), 496–502.
Sugiyono. (2019). Quantitative, Qualitative and R&D Research Methods. Bandung: PT Alfabeta. Sujarweni, V., & Wiratna. (2018). Research Methods: Complete, Practical, and Easy to Understand.
Yogyakarta: Pustaka Baru Press.
Syriac. (2021). Structural Equation Modeling with Lisrel 8.80. Yogyakarta: Kaukaba Dipantara. Suryatenggara, A., & Dahlan, R. (2022). The Influence of Perceived Usefulness, Perceived Ease of Use,
and Perceived Price on Customer Loyalty to Gojek through Customer Satisfaction (Study of Gojek Application Users in Jabodetabek).
Susanti, E., & Parera, NO (2021). Customer Loyalty From the Ease of Using Mobile Banking.
International Journal of Digital Entrepreneurship and Business, 2(1), 39–48.
Tjiptono, F., & Anastasia, D. (2020). Customer Satisfaction-Concept, Measurement, and Strategy.
Yogyakarta: Andi.
Wahyudi, B., & Yanthi, MD (2021). Acceptance of Tam Theory on the Use of Mobile Payment with Compatibility as an External Variable. Accountability, 15(1), 55–72.
Wardana, KW, Radito, & Risangadi. (2019). Governance Risk Management Compliance: Managing Uncertainties With Integrity and Integration. Jakarta.
Wardhana, A., & Yulia, Y. (2020). The Influence of Ease of Use, Irreplaceable Value, System Quality, Technology Awareness and Visual Design on Positive Word of Mouth and Repurchase Intention Mediated by Brand Loyalty. Management Insight: A Scientific Journal, 15(1), 65–77.
Wardhana, Aditya. (2015). Digital Marketing Strategy and Its Implications for the Competitive Advantage of SMEs in Indonesia. Finance and Business Forum, 4(1), 327–334.
Wulandari, OAD, Pradiva, FA, & Aziz. (2020). The Influence of Perceived Ease and Usefulness on Satisfaction in Building OVO User Loyalty. Journal of Management and Business (Performance), 17(2), 1–9.
Xia, C., Zhang, A., Wang, H., & Yeh, AGO (2019). Predicting the Expansion of Urban Boundaries Using Space Syntax and Multivariate Regression Model. Habitat International, 8(6), 126–134.
Zata, G. M., & Daud, R. M. (2020). Comparative Analysis of Financial Performance in General Sharia Before and After Conducting SPIN-OFF (Study at Bank BTPN Syariah). Journal of Management Economics and Accounting, 5(1), 149–158.
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