Determinan Perilaku Penggunaan Aplikasi BYOND by BSI: Peran Literasi Keuangan Digital, Kegunaan, dan Persepsi Biaya
-
Rizky Zulkarnain
*
Universitas Muhammadiyah Prof. DR. HAMKA.,
Indonesia
- Andi Amri Universitas Muhammadiyah Prof. DR. HAMKA., Indonesia (*) Corresponding Author
Keywords:
BYOND by BSI; Digital Financial Literacy; Mobile Usefulness; Mobile Perceived Cost; Behavior Intention; Use Behavior.
Abstract
Digital transformation in the Sharia banking industry currently requires actual technology adoption by customers to maintain organizational competitiveness. This study aims to analyze the determinants of actual usage behavior regarding the BYOND by BSI application by integrating cognitive and economic factors within the Mobile Technology Acceptance Model (MTAM) framework. Utilizing a quantitative approach, data were gathered from 100 respondents in the Jabodetabek area through purposive sampling techniques. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that Mobile Usefulness significantly influences Behavior Intention. Furthermore, Behavior Intention acts as a full mediator in the relationship between perceived usefulness and actual usage behavior. Within the urban Jabodetabek sample, Digital Financial Literacy does not exert a significant impact on application adoption. Conversely, Mobile Perceived Cost shows a significant direct effect on Use Behavior. These results offer implications for Sharia banking management regarding the importance of utility value and cost transparency in maintaining customer retention within the digital ecosystem.
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References
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Schermelleh-Engel, C., Moosbrugger, H., & Müller, H. (2003). Evaluating the Fit of Structural Equation Models: Tests of Significance and Descriptive Goodness-of-Fit Measures. Methods of Psychological Research Online, 8(2), 23–74.
Statistik, B. P. (2024). Statistik Telekomunikasi Indonesia 2024. Badan Pusat Statistik. https://www.bps.go.id
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157–178. https://doi.org/10.2307/41410412
Yamin, S. (2022). Partial Least Squares: Konsep, Teknik, dan Aplikasi SmartPLS 4. Mitra Wacana Media.
Yang, Y., Liu, Y., Li, H., & Yu, B. (2023). Digital financial inclusion and sustainable growth of small and micro enterprises. Sustainability, 15(6), 4692.
Al-Saedi, K., Al-Emran, M., Ramayah, T., & Abusham, E. (2020). Developing a general extended UTAUT model for M-payment adoption. Technology in Society, 62, 101293.
Ashoer, M., Jebarajakirthy, C., Lim, X.-J., Mas’ud, M., & Sahabuddin, Z. A. (2024). Mobile fintech, digital financial inclusion, and gender gap at the bottom of the pyramid: An extension of mobile technology acceptance model. Procedia Computer Science, 234, 1253–1260. https://doi.org/10.1016/j.procs.2024.03.123
Chhillar, R., Arora, S., & Chawla, D. (2024). Role of digital financial literacy in determining digital financial inclusion. Review of Economics and Finance, 22(1), 1187–1198.
Cohen, L., Manion, L., & Morrison, K. (2018). Research Methods in Education (8th ed.). Routledge.
Creswell, J. W., & Creswell, J. D. (2018). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches (5th ed.). SAGE Publications.
Damayanti, M. P. S. M., Rahadi, R. A., & Mandra, A. (2024). Digital financial literacy in Indonesia: A literature review. Jurnal Manajemen Dan Kewirausahaan, 26(2), 318–332.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008
Farah, M. F., Hasni, M. J. S., & Abbas, A. K. (2018). Mobile-banking adoption: empirical evidence from the banking sector in Pakistan. International Journal of Bank Marketing, 36(7), 1386–1405. https://doi.org/10.1108/IJBM-10-2017-0215
Fornell, C., & Larcker, D. F. (1981). Evaluating Structural Equation Models with Unobservable Variables and Measurement Error. Journal of Marketing Research, 18(1), 39–50. https://doi.org/10.2307/3151312
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2021). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (3 (ed.)). SAGE Publications.
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203
Henseler, J., Ringle, C. M., & Sarstedt, M. (2015). A New Criterion for Assessing Discriminant Validity in Variance-Based Structural Equation Modeling. Journal of the Academy of Marketing Science, 43(1), 115–135. https://doi.org/10.1007/s11747-014-0403-8
Idris, I., & Adetoro, A. A. (2025). Mobile banking adoption: A multi-factorial study on social influence, compatibility, digital self-efficacy, and perceived cost among Generation Z consumers in the United States. Journal of Technology and Systems, 20(3), 192. https://doi.org/10.3390/jtands20030192
Indonesia, B. S. (2024). Transaksi Digital Banking Naik 45%, BSI Apresiasi Nasabah Lewat Hujan Rezeki BSI Mobile. Bank Syariah Indonesia. https://www.bankbsi.co.id/news-update/berita/transaksi-digital-banking-naik-45-bsi-apreasiasi-nasabah-lewat-hujan-rezeki-bsi-mobile
Lemeshow, S., Hosmer, D. W., Klar, J., & Lwanga, S. K. (1990). Sample Size Determination in Health Studies: A Practical Manual. World Health Organization. https://apps.who.int/iris/handle/10665/40062
Lew, S. N., Ab Hamid, S. N., & Zainudin, M. N. S. (2024). Navigating trust in mobile payments: Using necessary condition analysis to identify must-have factors for user acceptance. International Journal of Human-Computer Interaction. https://doi.org/10.1080/10447318.2024.2338319
Liu, Y., Wang, S., & Wang, Y. (2019). Understanding the adoption of mobile payment in China. Industrial Management & Data Systems, 119(8), 1671–1689.
Ooi, K. B., & Tan, G. W. H. (2016). Mobile technology acceptance model: An investigation using mobile users to explore smartphone credit card. Expert Systems with Applications, 59, 33–46. https://doi.org/10.1016/j.eswa.2016.04.015
Sarstedt, M., Ringle, C. M., & Hair, J. F. (2022). Partial Least Squares Structural Equation Modeling. Handbook of Market Research. https://doi.org/10.1007/978-3-319-05542-8_15-2
Saunders, M., Lewis, P., & Thornhill, A. (2023). Research Methods for Business Students (9 (ed.)). Pearson Education.
Schermelleh-Engel, C., Moosbrugger, H., & Müller, H. (2003). Evaluating the Fit of Structural Equation Models: Tests of Significance and Descriptive Goodness-of-Fit Measures. Methods of Psychological Research Online, 8(2), 23–74.
Statistik, B. P. (2024). Statistik Telekomunikasi Indonesia 2024. Badan Pusat Statistik. https://www.bps.go.id
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157–178. https://doi.org/10.2307/41410412
Yamin, S. (2022). Partial Least Squares: Konsep, Teknik, dan Aplikasi SmartPLS 4. Mitra Wacana Media.
Yang, Y., Liu, Y., Li, H., & Yu, B. (2023). Digital financial inclusion and sustainable growth of small and micro enterprises. Sustainability, 15(6), 4692.
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Article History
Submitted: 2026-01-04
Published: 2026-02-03
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How to Cite
Zulkarnain, R., & Amri, A. (2026). Determinan Perilaku Penggunaan Aplikasi BYOND by BSI: Peran Literasi Keuangan Digital, Kegunaan, dan Persepsi Biaya. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 7(3), 762-775. https://doi.org/10.47065/ekuitas.v7i3.9100
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Vol 7 No 3 (2026): February 2026
Pages: 762-775
Pages: 762-775
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Articles
Copyright (c) 2026 Rizky Zulkarnain, Andi Amri
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