Pengaruh Kepercayaan, Kualitas Pelayanan, dan Nilai, Terhadap Minat Nasabah Menggunakan Mobile Banking Muamalat DIN (Digital Islamic Network)

Abstract

This study aims to analyze the influence of trust, service quality, and customer value on customers’ interest in using Muamalat DIN (Digital Islamic Network) Mobile Banking at Bank Muamalat Padang Branch Office. This study employed a quantitative method with an associative approach. The population of this study consisted of all customers of Bank Muamalat Padang Branch Office who use Muamalat DIN Mobile Banking, totaling 1,075 customers. The research sample consisted of 92 respondents, determined using the Yamane formula with a probability sampling technique. Data were collected through the distribution of questionnaires and analyzed using multiple linear regression analysis with the assistance of SPSS software. The results of the study indicate that trust has a positive and significant influence on customers’ interest in using Muamalat DIN Mobile Banking, service quality has a positive and significant influence on customers’ interest in using Muamalat DIN Mobile Banking, and customer value also has a positive and significant influence on customers’ interest in using Muamalat DIN Mobile Banking. These findings indicate that the higher the level of trust, the better the service quality, and the higher the perceived value experienced by customers, the greater their interest in using Muamalat DIN Mobile Banking.