Analisis Penggunaan Berkelanjutan Digital Banking Dengan Fitur Layanan Sebagai Variabel Moderasi Pada Nasabah PT. Bank Syariah Indonesia KC Batusangkar

Habil Febrian, Asyari Asyari, Dila Anggraini, Nurul Fadhila Hasanah, Anwar Sholihin

Abstract

This study aims to determine the use of sustainable digital banking with service features as a moderation variable for customers of PT. Bank Syariah Indonesia KC Batusangkar data analysis technique uses PLS (Partial Least Square) with processing using Software Warp-PLS 8.0. The test results using the SEM-PLS approach show that, Moderation effect of service features in the relationship between perceived usefulness and continuance intention in using digital banking during the Covid 19 period. Perceived usefulness of X1 is positive and significant, meaning that service features are able to moderate the relationship between perceived usefulness and use sustainable so that the hypothesis (H4) is accepted. Service features significantly moderate the relationship between perceived usefulness and sustainable use with a p-value <0.001 which means <0.05, which has a positive effect with a path coefficient (Path Coefficien) β 1.221. This suggests that service features moderate the relationship between perceived usefulness and continued use. The moderating effect of service features on the relationship between perceived ease of use and continuance intention in using digital banking during the Covid 19 period. Significant service features moderate the relationship between perceived ease of use and continued use with a p-value < 0.001, which means < 0.05, which has a positive effect on the path coefficient (Path Coefficient) β 1.005. This shows that service features positively moderate or strengthen the relationship between perceived ease of use and continued use. The moderating effect of service features on the relationship between perceived trust and continuance intention in using digital banking during the Covid 19 period. Service features do not significantly affect the relationship between perceived trust in use sustainable with p-value = 0.141 which means > 0.05, which has a negative effect with the path coefficient (Path Coefficien) β -0.0833. So with the service features provided by digital banking, Indonesian Islamic banks will not affect sustainable use for customers. This is because trust is more influenced by privacy and security systems in digital banking.

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