Main Article Content
Abstract
This study aims to determine the perceived ease of use and perceived usefulness on customer satisfaction of mobile banking application users at BRI Manokwari, partially and simultaneously. The study uses a quantitative approach; the research sample is 100 respondents (Lemeshow approach), the data analysis technique uses multiple linear regression, while the data collection technique uses Google Form, and the data processing uses the SPSS IMB 26 application. The results of the study show that ease of use has a positive and significant effect on customer satisfaction. Perceived usefulness does not have a positive and significant effect on customer satisfaction. Ease of use and perceived usefulness simultaneously have a significant effect on customer satisfaction. This shows that the easier banking services are to use and the greater the benefits perceived by customers, the level of customer satisfaction with BRI Bank services will also increase.
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References
- Adelia, N., Vitasari, R. R., Azmy, N., Romadhoni, R. I. B., & Arum, D. P. (2023). Pelatihan dan Pendampingan Digital Marketing Bagi Pelaku UMKM di Kelurahan Kepanjenlor Kota Blitar. Jurnal Informasi Pengabdian Masyarakat, 1(2), 19-23. https://doi.org/10.47861/jipm-nalanda.v1i2.169
- Ahmad, A. (2025). Traditional Clothing to Increase the Competitiveness of MSEMs in the Tourism Sector in South Sulawesi Province. International Journal of Commerce and Finance, 11(2), 33-52.
- Baan, S. (2022). Spatial Distribution of Trace Elements in Rice Field at Prafi District Manokwari. Indonesian Journal of Geography.
- Bahtiar, A. S., & Karim, A. (2021). The Role of BUMDes in Sustainable Economic Development at Enrekang Regency. Journal of Logistics, Informatics and Service Science, 1, 117-132. https://doi.org/10.33168/LISS.2021.0108
- Chahyono, Azis, M., & Karim, A. (2025). Production, innovation, and creativity management model of MSMEs F&B service in Makassar City, Indonesia. Asian Economic and Financial Review, 15(5), 811–844. https://doi.org/10.55493/5002.v15i5.5396
- Chahyono., Karim, A., Ruslan, M., & Idris, M. (2024). Work Engagement and Person-Job Fit as Catalysts for Employee Performance Excellence in Indonesia’s Agricultural Domain. Journal of Logistics, Informatics and Service Science, 11(10), 86-113. https://doi.org/10.33168/JLISS.2024.1006
- Daga, R., Karim, A., Nawir, F., Lutfi, A., & Jumady, E. (2024). Analysis of Social Media Marketing Technology and Online-Based Consumer Purchase Interest in South Sulawesi. Quality–Access to Success, 25(199), 330-337. https://doi.org/10.47750/QAS/25.199.36
- Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 13(3), 319-340. https://doi.org/10.2307/249008
- Ghozali, I. (2014). Structural Equation Modeling, Metode Alternatif dengan. Partial Least Square (PLS). Edisi, 4.
- Ghozali, I. (2016). Aplikasi Analisis Multivariate dengan Program IBM SPSS 23. Semarang: UniversitasDiponegoro. Aplikasi Analisis Multivariate Dengan Program IBM SPSS. 24. Semarang: Universitas Diponegoro.
- Hasniati, H., Indriasari, D. P., Sirajuddin, A., & Karim, A. (2023). The decision of women in Makassar City to be entrepreneurs. Binus Business Review, 14(1), 85-98. https://doi.org/10.21512/bbr.v14i1.8936
- Hawing, H., Hamrun, H., Karim, A., & Wibowo, Y. A. (2026). BUMDes as an Arena for Contesting Local Economic Policies: A Review of Village Government Politics in Enrekang Regency. Amkop Management Accounting Review (AMAR), 6(1), 688–694. https://doi.org/10.37531/amar.v6i1.3684
- Hidayah, N., Andriyati, S., Rismayani, V., & Victoria, V. (2022). Pengaruh kualitas pelayanan, ketersediaan fitur layanan terhadap loyalitas nasabah penggunaan bsi mobile. Jurnal Ekonomi Syariah, 4(2), 139-159.
- Karim, A., Ahmad, A., & Hawing, H. (2025). Perceived Risk and Purchase Intention of Fashion Products Through Social Media Platforms in Makassar City. Buletin Poltanesa, 26(2). https://doi.org/10.51967/tanesa.v26i2.3525
- Karim, A., Ahmad, A., & Syamsuddin, I. (2024). An empirical study on the impact of village fund on economic growth and poverty alleviation. Journal of Logistics, Informatics and Service Science, 11(9), 333-352. https://doi.org/10.33168/JLISS.2024.0921
- Karim, A., Ahmad, A., Remmang, H., & Chahyono. (2025). Implementation of green marketing, quality brand consumer behavior, and impact purchase decisions for precious metal products. International Journal of Management and Sustainability, 14(2), 374–391. https://doi.org/10.18488/11.v14i2.4192
- Karim, A., Asrianto, A., Ruslan, M., & Said, M. (2023). Gojek accelerate economic recovery through the digitalization of MSMEs in Makassar. Journal The Winners, 24(1), 23-31. https://doi.org/10.21512/tw.v24i1.9388
- Karim, A., Musa, C. I., Sahabuddin, R., & Azis, M. (2021). The Increase of Rural Economy at Baraka Sub-District through Village Funds. Journal The Winners, 22(1), 89-95. https://doi.org/10.21512/tw.v22i1.7013
- Karim, A., Ruslan, M. ., Chahyono, C., Yunus, M. K. ., & Ahmad, A. . (2024). Fintech P2P Lending in Increasing People’s Purchasing Power in South Sulawesi Province. Journal The Winners, 25(2), 113–123. https://doi.org/10.21512/tw.v25i2.12059
- Karim, A., Ruslan, M., Chahyono, C., Yunus, M. K., & Ahmad, A. (2024). Fintech P2P lending in increasing people's purchasing power in South Sulawesi Province. Journal The Winners, 25(2), 113-123. https://doi.org/10.21512/tw.v25i2.12059
- Karyawan, K. T. K. U. K., & Wijaya, P. M. Ghoz Ali.(2011). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 19, Semarang: Badan Penerbit Universitas Diponegoro. Gibson. 2001. Organisasi Perilaku-Struktur-Proses, Terjemahan Agus Dharma. Edisi 5. Jakarta: Penerbit Erlangga Haryanto, Danny. 20. E-Jurnal Manajemen Universitas Udayana, 5(9).
- Kurnia, D. (2020). Pengaruh Fitur, Kemudahan Penggunaan, Keamanan, Dan Promosi, Terhadap Keputusan Penggunaan Digital Banking Jenius Pt. Bank Tabungan Pensiun Nasional. UG Journal, 14(8).
- Kurnia, D. (2020). Pengaruh Fitur, Kemudahan Penggunaan, Keamanan, Dan Promosi, Terhadap Keputusan Penggunaan Digital Banking Jenius Pt. Bank Tabungan Pensiun Nasional. UG Journal, 14(8).
- Laloan, W., Wenas, R., & Loindong, S. (2023). Pengaruh Kemudahan Penggunaan, Persepsi Manfaat, dan Risiko Terhadap Minat apengguna E-Payment QRIS pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Sam Ratulangi Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 11(02), 375-386.
- Marwan, M. P., Konadi, W., Kamaruddin, S. P., & Sufi, I. (2023). Analisis Jalur dan Aplikasi SPSS Versi 25: Edisi Kedua. Merdeka Kreasi Group.
- Marwan, M. P., Konadi, W., Kamaruddin, S. P., & Sufi, I. (2023). Analisis Jalur dan Aplikasi SPSS Versi 25: Edisi Kedua. Merdeka Kreasi Group.
- Nurdien, F. G., & Galuh, A. K. (2023). Pengaruh Literasi Keuangan dan Literasi Digital terhadap Preferensi Menggunakan QRIS BSI Mobile (Studi Kasus Gen Z di Kota Malang). Islamic Economics and finance in Focus, 2(4), 588-601. https://doi.org/10.21776/ieff.2023.02.04.02
- Pattiselanno, F., Saragih, D. T., Lekitoo, M. N., & Iyai, D. A. (2021). Nutrient Values of Utilization of Crops Wastes as Alternative Pig Feeding Ingredient in The Coastal Agro-Ecological Area of Manokwari, West Papua. Jurnal Ilmiah Peternakan Terpadu, 9(2), 170-185. https://doi.org/10.23960/jipt.v9i2.p170-185
- Rahmi, P. P., Aryanti, A. N., & Aziz, D. A. (2023). Pengaruh Kualitas Layanan Mobile Banking Terhadap Kepuasan Nasabah Bank BCA. ARBITRASE: Journal of Economics and Accounting, 3(3), 710-722. https://doi.org/10.47065/arbitrase.v3i3.660
- Rosmasari, R., Agus, F., & Alfirama, D. N. (2023). Analisis Penerimaan Aplikasi Mobile Banking Bankaltimtara Menggunakan Metode Technology Acceptance Model. Jurnal Rekayasa Teknologi Informasi (JURTI), 7(2), 135-144. https://doi.org/10.30872/jurti.v7i2.11267
- Ruslan, M., Menne, F., Yusuf, M., Abubakar, H., & Karim, A. (2025). The Resilience of Small and Medium Businesses in Gowa District During the Covid-19 Pandemic. Calitatea, 26(207), 117-125. https://doi.org/10.47750/QAS/26.207.14
- Safitri, R. M. F., & Badjuri, A. (2022). Determinan Faktor Yang Mempengaruhi Kinerja UMKM di Kota Semarang. E-Bisnis: Jurnal Ilmiah Ekonomi Dan Bisnis, 15(1), 123-134. https://doi.org/10.51903/e-bisnis.v15i1.710
- Sholikhah, A. (2016). Statistik deskriptif dalam penelitian kualitatif. KOMUNIKA: Jurnal Dakwah Dan Komunikasi, 10(2), 342-362.
- Siswoyo, A., & Irianto, B. S. (2023). Analisis Technology Acceptance Model (TAM) Terhadap Pengguna Aplikasi Mobile Banking. Owner: Riset dan Jurnal Akuntansi, 7(2), 1196-1205. https://doi.org/10.33395/owner.v7i2.1440
- Sugiyono, M. R. (2020). METODE PENELITIAN KUALITATIF. Untuk Penelitian yang Bersifat Eksploratif, Enterpretif, interaktif, dan konstruktif. Cocok untuk 1. Mahasiswa SI, S2, dan S3. 2. Dosen dan peneliti Ed. 3 Cet. 3 Thn. 2020.
- Sukmawati,. Suriani, S., Karim, A., Setiawan, L., & Yunus, M. K. (2025). Building sustainable human resource work meaning: A case study of Generation Z. International Journal of Management and Sustainability, 14(3), 787–802. https://doi.org/10.18488/11.v14i3.4367
- Suriani, S., Nur, I., Mardjuni, S., Baharuddin, S. M., & Karim, A. (2024). Budget participation and financial information asymmetry: Behavior of budget users and financial report fraud. Asian Economic and Financial Review, 14(10), 748. https://doi.org/10.55493/5002.v14i10.5201
- Susanti, K. T. P. (2020). Pengaruh Literasi Keuangan, Literasi Digital, Dan Kemudahan Penggunaan Terhadap Penggunaan Mobile Banking BCA, BNI, BRI. Sumber, 6(420.412), 942. https://doi.org/10.24843/eeb.2021.v10.i10.p04
- Wahyuni, N., Kahfi, Z., Karim, A., & Rahim, S. (2025). Disclosure of sustainability reports of financial performance of textile and garment manufacturing companies on the Indonesia stock exchange. International Journal of Management and Sustainability, 14(2), 464–480. https://doi.org/10.18488/11.v14i2.4198
- Wahyuni, N., Kalsum, U., Asmara, Y., & Karim, A. (2022). Activity-Based Costing Method as an Effort to Increase Profitability. Jurnal ASET (Akuntansi Riset), 14(2), 297-312. https://doi.org/10.17509/jaset.v14i2.45642
- Waruwu, M. (2023). Pendekatan penelitian pendidikan: metode penelitian kualitatif, metode penelitian kuantitatif dan metode penelitian kombinasi (Mixed Method). Jurnal pendidikan tambusai, 7(1), 2896-2910.
- Widyaputri, F. F., & Gunanto, E. Y. A. (2023). Shariah mobile banking Adoption Trends: Analysis Mob Mentality, Reputation, Perceived Risk, and Islamic Financial Literacy. Jurnal Ekonomi Syariah Teori Dan Terapan, 10(5). https://doi.org/10.20473/vol10iss20235pp482-495
References
Adelia, N., Vitasari, R. R., Azmy, N., Romadhoni, R. I. B., & Arum, D. P. (2023). Pelatihan dan Pendampingan Digital Marketing Bagi Pelaku UMKM di Kelurahan Kepanjenlor Kota Blitar. Jurnal Informasi Pengabdian Masyarakat, 1(2), 19-23. https://doi.org/10.47861/jipm-nalanda.v1i2.169
Ahmad, A. (2025). Traditional Clothing to Increase the Competitiveness of MSEMs in the Tourism Sector in South Sulawesi Province. International Journal of Commerce and Finance, 11(2), 33-52.
Baan, S. (2022). Spatial Distribution of Trace Elements in Rice Field at Prafi District Manokwari. Indonesian Journal of Geography.
Bahtiar, A. S., & Karim, A. (2021). The Role of BUMDes in Sustainable Economic Development at Enrekang Regency. Journal of Logistics, Informatics and Service Science, 1, 117-132. https://doi.org/10.33168/LISS.2021.0108
Chahyono, Azis, M., & Karim, A. (2025). Production, innovation, and creativity management model of MSMEs F&B service in Makassar City, Indonesia. Asian Economic and Financial Review, 15(5), 811–844. https://doi.org/10.55493/5002.v15i5.5396
Chahyono., Karim, A., Ruslan, M., & Idris, M. (2024). Work Engagement and Person-Job Fit as Catalysts for Employee Performance Excellence in Indonesia’s Agricultural Domain. Journal of Logistics, Informatics and Service Science, 11(10), 86-113. https://doi.org/10.33168/JLISS.2024.1006
Daga, R., Karim, A., Nawir, F., Lutfi, A., & Jumady, E. (2024). Analysis of Social Media Marketing Technology and Online-Based Consumer Purchase Interest in South Sulawesi. Quality–Access to Success, 25(199), 330-337. https://doi.org/10.47750/QAS/25.199.36
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 13(3), 319-340. https://doi.org/10.2307/249008
Ghozali, I. (2014). Structural Equation Modeling, Metode Alternatif dengan. Partial Least Square (PLS). Edisi, 4.
Ghozali, I. (2016). Aplikasi Analisis Multivariate dengan Program IBM SPSS 23. Semarang: UniversitasDiponegoro. Aplikasi Analisis Multivariate Dengan Program IBM SPSS. 24. Semarang: Universitas Diponegoro.
Hasniati, H., Indriasari, D. P., Sirajuddin, A., & Karim, A. (2023). The decision of women in Makassar City to be entrepreneurs. Binus Business Review, 14(1), 85-98. https://doi.org/10.21512/bbr.v14i1.8936
Hawing, H., Hamrun, H., Karim, A., & Wibowo, Y. A. (2026). BUMDes as an Arena for Contesting Local Economic Policies: A Review of Village Government Politics in Enrekang Regency. Amkop Management Accounting Review (AMAR), 6(1), 688–694. https://doi.org/10.37531/amar.v6i1.3684
Hidayah, N., Andriyati, S., Rismayani, V., & Victoria, V. (2022). Pengaruh kualitas pelayanan, ketersediaan fitur layanan terhadap loyalitas nasabah penggunaan bsi mobile. Jurnal Ekonomi Syariah, 4(2), 139-159.
Karim, A., Ahmad, A., & Hawing, H. (2025). Perceived Risk and Purchase Intention of Fashion Products Through Social Media Platforms in Makassar City. Buletin Poltanesa, 26(2). https://doi.org/10.51967/tanesa.v26i2.3525
Karim, A., Ahmad, A., & Syamsuddin, I. (2024). An empirical study on the impact of village fund on economic growth and poverty alleviation. Journal of Logistics, Informatics and Service Science, 11(9), 333-352. https://doi.org/10.33168/JLISS.2024.0921
Karim, A., Ahmad, A., Remmang, H., & Chahyono. (2025). Implementation of green marketing, quality brand consumer behavior, and impact purchase decisions for precious metal products. International Journal of Management and Sustainability, 14(2), 374–391. https://doi.org/10.18488/11.v14i2.4192
Karim, A., Asrianto, A., Ruslan, M., & Said, M. (2023). Gojek accelerate economic recovery through the digitalization of MSMEs in Makassar. Journal The Winners, 24(1), 23-31. https://doi.org/10.21512/tw.v24i1.9388
Karim, A., Musa, C. I., Sahabuddin, R., & Azis, M. (2021). The Increase of Rural Economy at Baraka Sub-District through Village Funds. Journal The Winners, 22(1), 89-95. https://doi.org/10.21512/tw.v22i1.7013
Karim, A., Ruslan, M. ., Chahyono, C., Yunus, M. K. ., & Ahmad, A. . (2024). Fintech P2P Lending in Increasing People’s Purchasing Power in South Sulawesi Province. Journal The Winners, 25(2), 113–123. https://doi.org/10.21512/tw.v25i2.12059
Karim, A., Ruslan, M., Chahyono, C., Yunus, M. K., & Ahmad, A. (2024). Fintech P2P lending in increasing people's purchasing power in South Sulawesi Province. Journal The Winners, 25(2), 113-123. https://doi.org/10.21512/tw.v25i2.12059
Karyawan, K. T. K. U. K., & Wijaya, P. M. Ghoz Ali.(2011). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 19, Semarang: Badan Penerbit Universitas Diponegoro. Gibson. 2001. Organisasi Perilaku-Struktur-Proses, Terjemahan Agus Dharma. Edisi 5. Jakarta: Penerbit Erlangga Haryanto, Danny. 20. E-Jurnal Manajemen Universitas Udayana, 5(9).
Kurnia, D. (2020). Pengaruh Fitur, Kemudahan Penggunaan, Keamanan, Dan Promosi, Terhadap Keputusan Penggunaan Digital Banking Jenius Pt. Bank Tabungan Pensiun Nasional. UG Journal, 14(8).
Kurnia, D. (2020). Pengaruh Fitur, Kemudahan Penggunaan, Keamanan, Dan Promosi, Terhadap Keputusan Penggunaan Digital Banking Jenius Pt. Bank Tabungan Pensiun Nasional. UG Journal, 14(8).
Laloan, W., Wenas, R., & Loindong, S. (2023). Pengaruh Kemudahan Penggunaan, Persepsi Manfaat, dan Risiko Terhadap Minat apengguna E-Payment QRIS pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Sam Ratulangi Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 11(02), 375-386.
Marwan, M. P., Konadi, W., Kamaruddin, S. P., & Sufi, I. (2023). Analisis Jalur dan Aplikasi SPSS Versi 25: Edisi Kedua. Merdeka Kreasi Group.
Marwan, M. P., Konadi, W., Kamaruddin, S. P., & Sufi, I. (2023). Analisis Jalur dan Aplikasi SPSS Versi 25: Edisi Kedua. Merdeka Kreasi Group.
Nurdien, F. G., & Galuh, A. K. (2023). Pengaruh Literasi Keuangan dan Literasi Digital terhadap Preferensi Menggunakan QRIS BSI Mobile (Studi Kasus Gen Z di Kota Malang). Islamic Economics and finance in Focus, 2(4), 588-601. https://doi.org/10.21776/ieff.2023.02.04.02
Pattiselanno, F., Saragih, D. T., Lekitoo, M. N., & Iyai, D. A. (2021). Nutrient Values of Utilization of Crops Wastes as Alternative Pig Feeding Ingredient in The Coastal Agro-Ecological Area of Manokwari, West Papua. Jurnal Ilmiah Peternakan Terpadu, 9(2), 170-185. https://doi.org/10.23960/jipt.v9i2.p170-185
Rahmi, P. P., Aryanti, A. N., & Aziz, D. A. (2023). Pengaruh Kualitas Layanan Mobile Banking Terhadap Kepuasan Nasabah Bank BCA. ARBITRASE: Journal of Economics and Accounting, 3(3), 710-722. https://doi.org/10.47065/arbitrase.v3i3.660
Rosmasari, R., Agus, F., & Alfirama, D. N. (2023). Analisis Penerimaan Aplikasi Mobile Banking Bankaltimtara Menggunakan Metode Technology Acceptance Model. Jurnal Rekayasa Teknologi Informasi (JURTI), 7(2), 135-144. https://doi.org/10.30872/jurti.v7i2.11267
Ruslan, M., Menne, F., Yusuf, M., Abubakar, H., & Karim, A. (2025). The Resilience of Small and Medium Businesses in Gowa District During the Covid-19 Pandemic. Calitatea, 26(207), 117-125. https://doi.org/10.47750/QAS/26.207.14
Safitri, R. M. F., & Badjuri, A. (2022). Determinan Faktor Yang Mempengaruhi Kinerja UMKM di Kota Semarang. E-Bisnis: Jurnal Ilmiah Ekonomi Dan Bisnis, 15(1), 123-134. https://doi.org/10.51903/e-bisnis.v15i1.710
Sholikhah, A. (2016). Statistik deskriptif dalam penelitian kualitatif. KOMUNIKA: Jurnal Dakwah Dan Komunikasi, 10(2), 342-362.
Siswoyo, A., & Irianto, B. S. (2023). Analisis Technology Acceptance Model (TAM) Terhadap Pengguna Aplikasi Mobile Banking. Owner: Riset dan Jurnal Akuntansi, 7(2), 1196-1205. https://doi.org/10.33395/owner.v7i2.1440
Sugiyono, M. R. (2020). METODE PENELITIAN KUALITATIF. Untuk Penelitian yang Bersifat Eksploratif, Enterpretif, interaktif, dan konstruktif. Cocok untuk 1. Mahasiswa SI, S2, dan S3. 2. Dosen dan peneliti Ed. 3 Cet. 3 Thn. 2020.
Sukmawati,. Suriani, S., Karim, A., Setiawan, L., & Yunus, M. K. (2025). Building sustainable human resource work meaning: A case study of Generation Z. International Journal of Management and Sustainability, 14(3), 787–802. https://doi.org/10.18488/11.v14i3.4367
Suriani, S., Nur, I., Mardjuni, S., Baharuddin, S. M., & Karim, A. (2024). Budget participation and financial information asymmetry: Behavior of budget users and financial report fraud. Asian Economic and Financial Review, 14(10), 748. https://doi.org/10.55493/5002.v14i10.5201
Susanti, K. T. P. (2020). Pengaruh Literasi Keuangan, Literasi Digital, Dan Kemudahan Penggunaan Terhadap Penggunaan Mobile Banking BCA, BNI, BRI. Sumber, 6(420.412), 942. https://doi.org/10.24843/eeb.2021.v10.i10.p04
Wahyuni, N., Kahfi, Z., Karim, A., & Rahim, S. (2025). Disclosure of sustainability reports of financial performance of textile and garment manufacturing companies on the Indonesia stock exchange. International Journal of Management and Sustainability, 14(2), 464–480. https://doi.org/10.18488/11.v14i2.4198
Wahyuni, N., Kalsum, U., Asmara, Y., & Karim, A. (2022). Activity-Based Costing Method as an Effort to Increase Profitability. Jurnal ASET (Akuntansi Riset), 14(2), 297-312. https://doi.org/10.17509/jaset.v14i2.45642
Waruwu, M. (2023). Pendekatan penelitian pendidikan: metode penelitian kualitatif, metode penelitian kuantitatif dan metode penelitian kombinasi (Mixed Method). Jurnal pendidikan tambusai, 7(1), 2896-2910.
Widyaputri, F. F., & Gunanto, E. Y. A. (2023). Shariah mobile banking Adoption Trends: Analysis Mob Mentality, Reputation, Perceived Risk, and Islamic Financial Literacy. Jurnal Ekonomi Syariah Teori Dan Terapan, 10(5). https://doi.org/10.20473/vol10iss20235pp482-495