Strategi Digitalisasi untuk Mendorong Inklusi Keuangan Nasabah Bank Syariah: Pendekatan Technology Acceptance Model (TAM)
Keywords:
Banking Digitalization, Technology Acceptance Model (TAM), Financial Inclusion, Sharia Bank CustomersAbstract
The purpose of this study is to investigate the influence of banking digitalization via the Technology Acceptance Model (TAM) at Bank Syariah Indonesia (BSI) KC Kediri Hayam Wuruk on sharia bank customers' financial inclusion. A qualitative technique, including case studies, was used in the investigation. Data was gathered through interviews, observation, and documentation, and it was supplemented with relevant literature. According to the findings of the study, banking digitalization at BSI Kediri KC Hayam Wuruk via BSI Mobile has met the TAM criteria of convenience and utility. The TAM model has three critical elements: attitude toward behavior, behavioral intention, and behavior, which describe consumer interest and behavior in using BSI Mobile. This strategy likewise emphasizes trust and security guarantees as major benefits. With considerable user growth from 2021 to 2022, BSI Mobile was able to increase financial inclusion clients. This demonstrates that an increasing number of clients are gaining access to financial services through this platform. Financial inclusion is achieved by enhancing service accessibility, availability, and utilization, with an emphasis on customer and community involvement, as well as by providing uniform amenities across offices and BSI Mobile. Overall, the digitalization of banking through BSI Mobile has resulted in favorable outcomes in terms of enhancing the reach of financial services and increasing the financial inclusion of Bank Syariah Indonesia clients in the Kediri Hayam Wuruk KC area.
References
Alfandi, M., Ribie, M. F., Fitria, M. L., Wahyuni, M. T., Zunaidi, A., Mochamad Alvido Zakaria, & Hidayah, I. (2023). Pemanfaatan Canva Sebagai e-Katalog Dalam Meningkatkan Visibilitas Dan Kehadiran Toko Zaidan di Dunia Digital. Welfare : Jurnal Pengabdian Masyarakat, 1(3), 567–573. https://doi.org/10.30762/welfare.v1i3.725
Abdallah. (2016). Consumer Adoption of Mobile Banking Examining the Role of Usefulness, Ease of Use, Perceived Risk, and Self Efficacy. Journal of Information Management, 1 (1). https://doi.org/10.34755/jim.v1i1.265.
Afidah, B. N., & Zunaidi, A. (2022). Sharia Bank’s Directing Management Strategy for Improving Employee Performance. Proceedings of Islamic Economics, Business, and Philanthropy, 1(2), 642–655. Retrieved from https://jurnalfebi.iainkediri.ac.id/index.php/proceedings/article/view/290
Anggoro, A., Rohmah, I. Y. A., Irawan, N. C., Utomo, P., Putra, R. B., Tubarad, Y. P., Zulianto, M., Susanto, D., Metris, D., Musthopa, A., Zunaidi, A., & Miranda, M. (2023). Ekonomi Indonesia Pasca Pandemi: Peluang dan Tantangan. Pustaka Peradaban.
Ana, D. E., & Zunaidi, A. (2022). Strategi Perbankan Syariah Dalam Memenangkan Persaingan Di Masa Pandemi Covid-19. Proceedings of Islamic Economics, Business, and Philanthropy, 1(1), 167–188. Retrieved from https://jurnalfebi.iainkediri.ac.id/index.php/proceedings/article/view/216
Aripin, Nasir Tajul, Nur Fatwa dan Mulawarman Hannase. Layanan Digital Bank Syariah Sebagai Faktor Pendorong Indeks Literasi Dan Inklusi Keuangan Syariah. Syarikat: Jurnal Rumpun Ekonomi Syariah, 5 (1). https://doi.org/10.25299/syarikat.2022.vol5(1).9362.
Asymadi, Evi. (2019). Pengaruh Keuangan Inklusif Terhadap Kredit yang Disalurkan Pada Sektor Usaha Mikro, Kecil, dan Menengah di Indonesia. Jurnal Ekonomi Bisnis dan Kewirausahaan, 5 (2). https://doi.org/10.21845/jebk.v5i2.56.
Bank Indonesia. (2021). Digitalisasi Banking Perkembangan dan Respons Kebijakan Bank Indonesia. Jakarta: Bank Indonesia Official.
Endang, Sri. (2020). Inklusi Keuangan Pada Era Digital Ekonomi terhadap Pertumbuhan Ekonomi Indonesia. Journal of Social Sciences Engineering & Humaniora, 2 (1). https://doi.org/10.13572/jsse.v2i1.25.
Fatihudin, Didin. (2015). Metode Penelitian: Untuk Ilmu Ekonomi, Manajemen, dan Akuntansi. Sidoarjo: Zilfatama Publishing.
Gultom, Mardia Shintia Devi dan Mustapa Khamal Rokan. (2022). Problematika Perbankan Syariah: Solusi dan Strategi Digitalisasi dalam Meningkatkan Kualitas Produk dan Layanan Perbankan. Alexandria: Journal of Economics, Business & Entrepreneurship, 3 (1). https://doi.org/10.29303/alexandria.v3i1.175.
Hakim, L., Asghori, A. A., Khusnun, M. S., Zunaidi, A., & Yanto, R. D. (2023). Pendampingan Penyaluran Dana Ziswaf Lembaga Kotak Amal Indonesia pada Program Roadshow Sekolah Bakat di Desa Blimbing, Mojo, Kediri . Welfare : Jurnal Pengabdian Masyarakat, 1(2), 228–234. https://doi.org/10.30762/welfare.v1i2.514
Hobvi, A. L. J., & Zunaidi, A. (2022). Implementation Of Compliance Management In The Sharia Banking Sector. Proceedings of Islamic Economics, Business, and Philanthropy, 1(2), 346–362. Retrieved from https://jurnalfebi.iainkediri.ac.id/index.php/proceedings/article/view/260
Iriani, Annisa Fitri. (2018). Minat Nasabah dalam Penggunaan Mobile Banking Pada Nasabah Bank Syariah Mandiri Kota Palopo. Dinamis: Journal of Islamic Management and Business, 2 (2). https://doi.org/10.24256/dinamis.v2i2.125.
Kurniasari, R., & Zunaidi, A. (2022). Analisa Pengaruh Capital Adequacy Ratio (CAR) Terhadap Return On Asset (ROA). Proceedings of Islamic Economics, Business, and Philanthropy, 1(2), 708–742. Retrieved from https://jurnalfebi.iainkediri.ac.id/index.php/proceedings/article/view/305
Latifah, E., Masyhuri, M., Pahlevi, R. W., Mulyani, S., Hasanah, N., Fidiana, F., Zunaidi, A., Nurjanah, N., Yulianti, M. L., & Yunus, A. R. (2022). Manajemen Keuangan Syariah.
Leni, I. M., & Zunaidi, A. (2022). Indonesia’s Islamic Banking Strategy For Sustaining Financial Operations During The Pandemic. Proceedings of Islamic Economics, Business, and Philanthropy, 1(1), 40–49. Retrieved from https://jurnalfebi.iainkediri.ac.id/index.php/proceedings/article/view/214
Maharani. (2021). Ekonomi Digital: Peluang dan Tantangan masa Depan Terhadap Ekonomi Syariah di Indonesia. Bandung: Alfabeta.
Moridu. (2020). Pengaruh Digital Banking Terhadap Nilai Perusahaan Perbankan. Jurnal Riset Akuntansi Politala, 3 (2). https://doi.org/10.24556/jra.v3i2.150.
Noor, Lisa. (2017). Analisis Faktor Penerimaan Penggunaan Quipper Menggunakan Pendekatan TAM dan Theory of Plannes Behaviour. Jurnal Manajemen, 1 (2). https://doi.org/10.32556/jm.v1i2.110.
Nur, Wahyuni. (2019). Penggunaan TAM dalam Analisis Minat Penggunaan E-Money pada Mahasiswa Universtias Telkom. Junral Mitra Manajemen, 3 (3). https://doi.org/10.13472/jmm.v3i3.112.
Nyoman, I Gede. (2021). Technology Acceptance Model (TAM) untuk Menganalisis Penggunaan Online Banking di PT. Bank Rakyat Indonesia, Cabang Gianyar. Warmadewa Management and Business Journal, 3 (1). https://doi.org/10.42135/wmbj.v3i1.245.
Prihatiningsih, Diah. (2015). Mudahnya Belajar Statistik Deskriptif. Semarang: Saru Untung.
Priyanti, E. D., Zunaidi, A. ., & Maghfiroh, F. L. . (2022). The Significance of Risk Management in Reducing Losses and Strengthening The Institutional Structure of Islamic Financial Institutions. Proceedings of Islamic Economics, Business, and Philanthropy, 1(1), 1–24. Retrieved from https://jurnalfebi.iainkediri.ac.id/index.php/proceedings/article/view/234
Pusat Penelitian Badan Keahlian DPR RI Bidang Ekonomi Dan Kebijakan Publik. (2021). Bank Syariah Indonesia: Tantangan Dan Strategi Dalam Mendorong Perekonomian Nasional. Kajian Singkat Isu Aktual Dan Strategis, 13 (3).
Puspitadewi, Ira. (2019). Pengaruh Digitalisasi Perbankan Terhadap Efektivitas dan Produktivitas Kerja Pegawai. Jurnal Manajemen dan Bisnis Indonesia, 5 (2). https://doi.org/10.32528/jmbi.v5i2.2925.
Rahayu, Imam Sugih. (2015). Minat Nasabah Menggunakan Mobile Banking Dengan Menggunakan Kerangka Technology Acceptance Model (TAM) (Studi Kasus PT Bank Syariah Indonesia Cabang Yogyakarta. JESI: Jurnal Ekonomi Syariah Indonesia, 5 (2). https://doi.org/10.21927/jesi.v5i2.137.
Rachmalia, G., Zunaidi, A., & Maghfiroh, F. L. (2022). Analysis Of Sharia Banking’s Strategy In Facing Technology In The Digital Era. Proceedings of Islamic Economics, Business, and Philanthropy, 1(2), 422–435. Retrieved from https://jurnalfebi.iainkediri.ac.id/index.php/proceedings/article/view/262
Restu. (2021). Metode Penelitian. Jakarta: Gramedia Pustaka Utama.
Rochaty, Eti. (2017). Sistem Informasi Manajemen. Jakarta: Mitra Wacana Media.
Rukin. (2016). Metode Penelitian Kualitatif. Surabaya: Jakad Media Publishing.
Salam, Abdus. (2018). Inklusi Keuangan Perbankan Syariah Berbasis Digital-Banking: Optimalisasi dan Tantangan. Al-Amwal: Jurnal Ekonomi dan Perbankan Syari'ah, 10 (1). https://doi.org10.24235/amwal.v10i1.2813.
Septiana, P., Zunaidi, A., & Lailatul Maghfiroh, F. (2022). The Sharia Supervisory Board’s (DPS) Role in Sharia Compliance in Sharia Banking. Proceedings of Islamic Economics, Business, and Philanthropy, 1(1), 124–134. Retrieved from https://jurnalfebi.iainkediri.ac.id/index.php/proceedings/article/view/227
Sriani. (2020). Peluang dan Tantangan Bank Syariah di Era Indsutri. Transformasi: Jurnal Studi Agama Islam, 12 (1). https://doi.org/10.45267/jsai.v12i1.155.
Subagyo, Ahmad. (2016). Strategi Nasional Kebijakan Keunagan Inklusif. Bandung: Mizan Pustaka.
Syawali, Andi Zhilian, dkk. (2023). Analisis Penggunaan Aplikasi BJB Digi Mobile Banking dengan Menggunakan Pendekatan Technology Acceptance Model (TAM). KLIK: Kajian Ilmiah Informatika dan Komputer, 4 (1). https://doi.org/10.30865/klik.v4i1.1205.
Tiana, R. Z., & Zunaidi, A. (2022). Kualitas Portofolio Pembiayaan : Analisa Tentang Pengaruh Pembiayaan Pada Perubahan Laba Bank Syariah. Proceedings of Islamic Economics, Business, and Philanthropy, 1(2), 604–627. Retrieved from https://jurnalfebi.iainkediri.ac.id/index.php/proceedings/article/view/276
Utama, Andrew Shandy. (2021). Digitalisasi Produk Bank Konvensional Dan Bank Syariah Di Indonesia. Jurnal Justisia: Jurnal Ilmu Hukum, Perundang-Undangan Dan Pranata Sosial, 6 (2). http://dx.doi.org/10.22373/justisia.v6i2.11532.
Wibowo, Budi. (2018). Analisa reulasi Finansical Technology dalam membangun perekonomian di Indonesia. Jakarta: Erlangga.
Widyastuti. (2020). Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Manfaat, Kepercayaan Konsumen Terhadap Pengaplikasian Layanan Mobile Banking. Jakarta: Salemba.
Winasis. (2020). Digital Transformation in The Indonesian Banking Industry: Impact on Employee Engagement. International Journal of Innovation Creativity and Change, 12 (4). https://doi.org/10.25662/ijicc.v12i4.145.
Wulandari, Widya, Edwin Japarianto dan Trixie Nova Bella Tandijaya. (2022). Penerapan technology acceptance model (tam) terhadap perilaku konsumen mobile banking di Surabaya. Jurnal Manajemen Pemasaran, 16 (2). https://doi.org/10.9744/pemasaran.16.2.126-132.
Yudaruddin, Rizky. (2020). Mobile Banking, Kinerja dan Stabilitas Keuangan: Studi Empiris di Perbankan Indonesia. Buletin Riset Kebijakan Perbankan, 2 (1).
