Abstract :
BSI Mobile is a mobile banking application provided by Bank Syariah Indonesia to provide convenience in transactions, worship, and sharing through various features in one application that is easy to do anytime and anywhere. This study aims to analyze the direct and indirect effect of trust, security, and ease of decision making through interest as an intervening variable on the use of BSI Mobile.
The method used in this study is a quantitative method, namely the data used in this study in the form of numbers. Data collection was carried out using a questionnaire/questionnaire with a sampling technique using purposive sampling on 100 customers of Bank Syariah Indonesia using BSI Mobile and domiciled in Bekasi City. The data analysis technique uses path analysis to examine the effect of the independent variable on the dependent variable directly and indirectly through the intervening variable.
The results of this study indicate that trust has a positive and significant effect on interest, while security and convenience have no and no significant effect on interest. Furthermore, trust, security, and convenience have no and no significant effect on decision making, but interest has a positive and significant effect on decision making. Based on the results of path analysis shows that interest can mediate the variables of trust, security and ease of decision making.
Keywords: Islamic Bank, Path Analysis, Mobile Banking