Analisis Jalur Pengaruh Pengambilan Keputusan Bertransaksi Melalui BSI Mobile

Abstract

This study aims to analyze the direct and indirect effects of trust, security, and ease of decision making through interest as an intervening variable on the use of BSI Mobile. The method used is a quantitative method with data collection using a questionnaire with a sampling technique using purposive sampling of 100 BSI customers who use BSI Mobile and are domiciled in Bekasi City. The data analysis technique uses path analysis to examine the direct and indirect effects of the independent variable on the dependent variable 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 significant effect on interest. Furthermore, trust, security, and convenience do not have a significant effect on decisions, but interest has a positive and significant effect on decision making. Based on the results of the path analysis, it shows that interest can mediate the variables of trust, security and ease of making transaction decisions through BSI Mobile. This research has implications for Bank Syariah Indonesia in knowing and improving the performance of BSI Mobile services so as to increase the trust and interest of users of these services.