The Impact Of Customer Satisfaction On Customer Loyalty Of BCA Mobile Banking
DOI:
https://doi.org/10.24912/jm.v27i1.1121Abstract
In order to meet the demands of customers who seek quick, simple, and affordable services, including banking services, businesses must adapt their methods of operation to the rapid growth of information and communication technology. This study seeks to ascertain what variables may directly affect customer loyalty in the usage of BCA mobile banking in Indonesia for millennials, as well as what factors can directly influence customer satisfaction to develop customer loyalty. Purposive sampling was used in this study's quantitative methodology, with a total sample size of 605, which was then analyzed using PLS-SEM. The results of the study stated that convenience had the greatest influence on increasing customer satisfaction. While the cost factor has no effect on increasing customer satisfaction in the use of BCA mobile banking, and responsive factor only has an effect on increasing satisfaction but does not affect customer loyalty. This provides benefits for developing BCA mobile banking.
References
Abdus Salam, M., Saha, T., Habibur Rahman, M., and Mutsuddi, P. (2021). Challenges to Mobile Banking Adaptation in COVID-19 Pandemic. Journal of Business and Management Sciences, 9(3), 101–113. https://doi.org/10.12691/jbms-9-3-2.
Afthanorhan, A., Awang, Z., Rashid, N., Foziah, H., and Ghazali, P. L. (2019). Assessing The Effects Of Service Quality On Customer Satisfaction. Management Science Letters, 9(1), 13–24. https://doi.org/10.5267/j.msl.2018.11.004.
Aldiabat, K., Al-Gasaymeh, A., and Rashid, A. S. K. (2019). The Effect Of Mobile Banking Applications On Customer Interaction In The Jordanian Banking Industry. International Journal of Interactive Mobile Technologies, 13(2), 37–48. https://doi.org/10.3991/ijim.v13i02.9262.
Alonso-Dos-Santos, M., Soto-Fuentes, Y., and Valderrama-Palma, V. A. (2020). Determinants of Mobile Banking Users’ Loyalty. Journal of Promotion Management, 26(5), 615–633. https://doi.org/10.1080/10496491.2020.1729312.
Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., and Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44(August 2018), 38–52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002.
Changchit, C., Klaus, T., Lonkani, R., and Sampet, J. (2020). A Cultural Comparative Study of Mobile Banking Adoption Factors. Journal of Computer Information Systems, 60(5), 484–494. https://doi.org/10.1080/08874417.2018.1541724.
Changchit, C., Klaus, T., Lonkani, R., and Sampet, J. (2020). A Cultural Comparative Study of Mobile Banking Adoption Factors. Journal of Computer Information Systems, 60(5), 484–494. https://doi.org/10.1080/08874417.2018.1541724.
Cheng, B. L., Gaur, S. S., and Rahim, R. A. (2020). Factors Leading To Customer Retention In The High Volume-Low Volume Service Context: Evidence From The Mobile Service Industry. Asian Journal of Business Research, 10(1), 68–103. https://doi.org/10.14707/ajbr.200076.
Donni, R., Dastane, O., Haba, H. F., and Selvaraj, K. (2018). Consumer Perception Factors for Fashion M-Commerce and its Impact on Loyalty among Working Adults. Business and Economic Research, 8(2), 168. https://doi.org/10.5296/ber.v8i2.13044.
Esmaeili, A., Haghgoo, I., Davidaviciene, V., and Meidute-Kavaliauskiene, I. (2021). Customer Loyalty In Mobile Banking: Evaluation Of Perceived Risk, Relative Advantages, And Usability Factors. Engineering Economics, 32(1), 70–81. https://doi.org/10.5755/j01.ee.32.1.25286.
Febrianta, A., and Indrawati. (2016). Influence of Mobile Banking Service Quality To Customer Satisfaction Bank BCA in Bandung. E-Proceeding of Management, 3(3), 2879–2885.
Giovanis, A., Athanasopoulou, P., Assimakopoulos, C., and Sarmaniotis, C. (2019). Adoption Of Mobile Banking Services: A Comparative Analysis Of Four Competing Theoretical Models. International Journal of Bank Marketing, 37(5), 1165–1189. https://doi.org/10.1108/IJBM-08-2018-0200.
Guruwo, P. (2020). Impact of Customer Satisfaction on Customer Loyalty in the Banking Sector. Theoretical & Applied Science, 86(06), 372–375. https://doi.org/10.15863/tas.2020.06.86.71.
Hamidi, H., and Safareeyeh, M. (2019). A Model To Analyze The Effect Of Mobile Banking Adoption On Customer Interaction And Satisfaction: A Case Study Of M-Banking In Iran. Telematics and Informatics, 38, 166–181. https://doi.org/10.1016/j.tele.2018.09.008.
Hung, D. N., Tham, J., Azam, S. M. F., and Khatibi, A. A. (2019). An Empirical Analysis of Perceived Transaction Convenience, Performance Expectancy, Effort Expectancy and Behavior Intention to Mobile Payment of Cambodian Users. International Journal of Marketing Studies, 11(4), 77. https://doi.org/10.5539/ijms.v11n4p77.
Islam, R., Ahmed, S., Rahman, M., and Al Asheq, A. (2021). Determinants Of Service Quality And Its Effect On Customer Satisfaction And Loyalty: An Empirical Study Of The Private Banking Sector. TQM Journal, 33(6), 1163–1182. https://doi.org/10.1108/TQM-05-2020-0119.
Jahan, N. (2021). Factors Affecting Customer Satisfaction Of Mobile Banking In Bangladesh: A Study On Young Users' Perspective. https://doi.org/10.1108/SAJM-02-2021-0018
Jayantari, I. A. A. U., and Seminari, N. K. (2018). Peran Kepercayaan Memediasi Persepsi Risiko Terhadap Niat Menggunakan Mandiri Mobile Banking Di Kota Denpasar. E-Jurnal Manajemen Universitas Udayana, 7(5), 2621. https://doi.org/10.24843/ejmunud.2018.v07.i05.p13.
Jiang, H., and Zhang, Y. (2016). An Investigation Of Service Quality, Customer Satisfaction And Loyalty In China’s Airline Market. Journal of Air Transport Management, 57, 80–88. https://doi.org/10.1016/j.jairtraman.2016.07.008.
Kant, R., and Jaiswal, D. (2017). The Impact Of Perceived Service Quality Dimensions On Customer Satisfaction: An Empirical Study On Public Sector Banks In India. International Journal of Bank Marketing, 35(3), 411–430. https://doi.org/10.1108/IJBM-04-2016-0051.
Khan, A. G., Lima, R. P., and Mahmud, M. S. (2021). Understanding the Service Quality and Customer Satisfaction of Mobile Banking in Bangladesh: Using a Structural Equation Model. Global Business Review, 22(1), 85–100. https://doi.org/10.1177/0972150918795551.
Khoa, B. T. (2020). The Impact of the Personal Data Disclosure’s Tradeoff on the Trust and Attitude Loyalty in Mobile Banking Services. Journal of Promotion Management, 27(4), 585–608. https://doi.org/10.1080/10496491.2020.1838028.
Lee, C. Y. (2019). Does Corporate Social Responsibility Influence Customer Loyalty in the Taiwan Insurance Sector? The role of Corporate Image and Customer Satisfaction. Journal of Promotion Management, 25(1), 43–64. https://doi.org/10.1080/10496491.2018.1427651.
Liempepas, I., Meichael, and Siihombing, S. O. (2019). Analisis Faktor – Faktor Yang Mempengaruhi Niat Penggunaan Berkelanjutan: Studi Empiris Pada Mobile Banking Bca. Jurnal Riset Manajemen Sains Indonesia (JRMSI ), 10(2), 306–336.
Makanyeza, C. (2017). Determinants Of Consumers’ Intention To Adopt Mobile Banking Services In Zimbabwe. International Journal of Bank Marketing, 35(6), 997–1017. https://doi.org/10.1108/IJBM-07-2016-0099.
Manser Payne, E., Peltier, J. W., and Barger, V. A. (2018). Mobile Banking And AI-Enabled Mobile Banking: The Differential Effects Of Technological And Non-Technological Factors On Digital Natives' Perceptions And Behaviour. Journal of Research in Interactive Marketing, 12(3), 328–346. https://doi.org/10.1108/JRIM-07-2018-0087.
Merhi, M., Hone, K., and Tarhini, A. (2019). A Cross-Cultural Study Of The Intention To Use Mobile Banking Between Lebanese And British Consumers: Extending UTAUT2 with security, privacy and trust. Technology in Society, 59, 101151. https://doi.org/10.1016/j.techsoc.2019.101151.
Mostafa, R. B. (2020). Mobile Banking Service Quality: A New Avenue For Customer Value Co-Creation. International Journal of Bank Marketing, 38(5), 1107–1132. https://doi.org/10.1108/IJBM-11-2019-0421.
Muslim, H. (2021). Factors Affecting Customer Loyalty in the Use of Mobile Banking Sharia Bank “ X ” In Jakarta. 4925–4941.
Nuruzzaman, N., Singh, D., and Pattnaik, C. (2019). Competing To Be Innovative: Foreign Competition And Imitative Innovation Of Emerging Economy Firms. International Business Review, 28(5). https://doi.org/10.1016/j.ibusrev.2018.03.005.
Owusu, G. M. Y., Bekoe, R. A., Addo-Yobo, A. A., and Otieku, J. (2021). Mobile Banking Adoption Among The Ghanaian Youth. Journal of African Business, 22(3), 339–360. https://doi.org/10.1080/15228916.2020.1753003.
Puriwat, W., and Tripopsakul, S. (2017). The Impact Of E-Service Quality on Customer Satisfaction and Loyalty in Mobile Banking Usage: Case Study of Thailand. Polish Journal of Management Studies, 15(2), 183–193. https://doi.org/10.17512/pjms.2017.15.2.17.
Rahman, A., Muhamudul Hasan, and Mia, A. (2017). Mobile Banking Service Quality And Customer Relationships. International Journal of Bank Marketing, 35(7), 1066–1087. https://doi.org/10.1108/IJBM-10-2015-0150.
Rithmaya, C. L. (2016). Pengaruh Kemudahan Penggunaan, Kemanfaatan, Sikap, Risiko Dan Fitur Layanan Terhadap Minat Ulang Nasabah Bank Bca Dalam Menggunakan Initernet Banking. Jurnal Riset Ekonomi Dan Manajemen, 16(1), 160. https://doi.org/10.17970/jrem.16.160110.id.
Rivaldo, Y., Kamanda, S. V., and Yusman, E. (2022). The Influence Of Brand Image, Promotion And Trust On Customer Loyalty At Bank BSI Nagoya Batam Branch. 6(36), 2385–2392.
Roy, S. K., Shekhar, V., Lassar, W. M., and Chen, T. (2018). Customer Engagement Behaviours: The Role Of Service Convenience, Fairness And Quality. Journal of Retailing and Consumer Services, 44(December 2017), 293–304. https://doi.org/10.1016/j.jretconser.2018.07.018.
S, S. J., and Kavitha, P. D. M. (2019). A Study On Mobile Banking And Customer Loyalty. 8(10), 405–410.
Shankar, A., and Rishi, B. (2020). Convenience Matters In Mobile Banking Adoption Intention? Australasian Marketing Journal, 28(4), 273–285. https://doi.org/10.1016/j.ausmj.2020.06.008.
Singh, S., and Srivastava, R. K. (2018). Predicting The Intention To Use Mobile Banking In India. International Journal of Bank Marketing, 36(2), 357–378. https://doi.org/10.1108/IJBM-12-2016-0186.
Son, Y., Kwon, H. E., Tayi, G. K., & Oh, W. (2020). Impact Of Customers’ Digital Banking Adoption On Hidden Defection: A Combined Analytical–Empirical Approach. Journal of Operations Management, 66(4), 418–440. https://doi.org/10.1002/joom.1066.
Suariedewi, I. G. A. A. M. (2020). Effect Of Mobile Service Quality To E-Trust To Develop E-Satisfaction And E-Loyalty Mobile Banking Services. International Research Journal of Management, IT and Social Sciences, 7(1), 185–196. https://doi.org/10.21744/irjmis.v7n1.836.
Top Brand Awards. (2021). Mobile Banking Fase 1 2021. https://www.topbrand-award.com/en/2021/02/mobile-banking-fase-1-2021/.
Walfajri, M., and Wahyu T. Rahmawati. (2021). Nilai Transaksi Digital Banking Meningkat. Keuangan Kontan. https://keuangan.kontan.co.id/news/nilai-transaksi-digital-banking-meningkat-4672-di-september#:~:text=Adapun jumlah transaksi mobile banking, triliun hingga kuartal ketiga 2021.
Zhang, L. L., and Kim, H. K. (2020). The Influence Of Financial Service Characteristics On Use Intention Through Customer Satisfaction With Mobile Fintech. Journal of System and Management Sciences, 10(2), 82–94. https://doi.org/10.33168/jsms.2020.0206.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2022 Jurnal Manajemen
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
This journal provides immediate open access to its content on the principle that making research freely available to the public supports a greater global exchange of knowledge.
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License