Research Paper
Year: 2023 | Month: February | Volume: 10 | Issue: 2 | Pages: 177-190
DOI: https://doi.org/10.52403/ijrr.20230223
The Effect of The Pandemic of Covid-19 On Changes in Behaviour of Transactions Using Digital Banking at Customers of Bank Syariah Indonesia KCP Padang Bulan Medan
Ermadayani1, Firman Syarif2, Yeni Absah3
1,2,3Department of Accounting, Faculty of Economics and Business Universitas Sumatera Utara, Indonesia
Corresponding Author: Ermadayani
ABSTRACT
The purpose of this study aims to determine the effect of customer transaction behaviour on using digital banking during the Covid-19 Pandemic, where the impact of transaction behaviour is assessed based on the influence of Perception of Trust, Perception of security, Perception of convenience, and Perception of benefits on the use of Digital Banking with Availability of Features as a variable moderation. The population used in this study were customers of PT Bank Syariah Indonesia (Bank BSI) KCP Padang Bulan Medan. The research sample based on multivariate analysis was 102 respondents. The method of data analysis in this study is the Instrument Test, Classical Assumption Test, Hypothesis Test in the form of a Determination Coefficient Test (R2 Test), Individual Parameter Significant Test (t-test), and Multiple Linear Regression Test, and the last is to perform Moderation Test in the form of Moderated Regression Analysis. The research data was processed using the Statistical Package for Social Science (SPSS) 23 program. The results of this study indicate that Perception of security does not affect the use of digital banking. After Moderation with the Availability of Features, the Perception of trust and the Perception of security still does not influence the use of digital banking during the Covid-19 Pandemic. However, things are different in the Perception of convenience and the Perception of benefit, which affects the usage of digital banking¸ as well. After moderation with the Availability of Features, the Perception of convenience and benefits also affects the use of digital banking during the Covid-19 Pandemic.
Keywords: Perception of trust, Perception of security, Perception of convenience, Perception of benefits, Feature Availability, Digital Banking¸ Covid-19 Pandemic.
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