Manfaat Dan Risiko Penggunaan Layanan Perbankan Melalui Aplikasi Mobile Banking

Abstract

Mobile Banking or commonly known as m-banking is treated as one of the most important banking information system services capable of producing financial information, which includes balance checks, fund transfers, credit card bill information, bill payments, and so on through a capable tool. Wireless internet. It is important for customers to have facilities in obtaining financial information and making transactions online, without having to visit the bank where they are customers. When customers feel satisfied by two things, namely the speed in obtaining financial information as well as the accuracy and ease in carrying out mobile banking transaction activities, the purpose of m-banking services as a value-added banking information system will be achieved. Conversely, if customers do not feel satisfied in terms of the privacy security of the mobile banking application, it can lead to negative perceptions of customers about the services that are available, so that it can be said to be one of the risks of using mobile banking services. Therefore, it is important to maintain and improve the confidentiality of customers through the privacy of the mobile banking application so that customers can remain calm in using the service.

Pengaruh Keuntungan Relatif, Fitur Layanan, Risiko, Dan Kepatuhan Syariah Terhadap Minat Transaksi Menggunakan Bsi Mobile Di Kota Banda Aceh

“…Menurut Sari et al (2021) saat ini layanan perbankan sudah menjadi kebutuhan masyarakat, mobile banking menjadi layanan yang memudahkan transaksi dan mendukung berbagai kegiatan nasabah. Menurut Musthofa & Lindiawati (2018), penggunaan m-banking dapat memunculkan keuntungan relatif bagi nasabah.…”

“…Secara umum risiko diartikan sebagai kemungkinan terjadi sesuatu yang mengakibatkan kerugian serta berkaitan dengan perkiraan hasil yang negatif (Laksana et al, 2015). Risiko menggunakan m-banking menjadi pertimbangan nasabah untuk melakukan atau tidak melakukan transaksi online (Sari et al, 2021).…”

Student Interest in the Use of M-Banking in Single Tuition Payment

“…This m-Banking facility is a mobile communication facility and is accessed via a Global System for Mobile Communication (GSM)-based cell phone.(D. M. Sari et al, 2021). M-Banking is used with a menu that is already available on the SIM Card, which currently uses the Short Message Service media.…”

Peran Kepercayaan Dalam Memediasi Persepsi Kemudahan dan Persepsi Risiko Terhadap Minat Pengguna BNI Mobile Banking Untuk Membayar UKT Pada Mahasiswa FEB UNRI

“…Transaksi online berisiko dikarenakan pelanggan tidak dapat melakukan transaksi secara tatap muka dan memastikan apakah transaksi yang mereka lakukan telah diproses tepat waktu. Sebelum melakukan transaksi menggunakan layanan Mobile Banking, nasabah pasti telah mempertimbangkan berbagai risiko (Sari, et. al., 2021).…”