ac

Enhancing Transaction Smoothness with QRIS Technology: The Role of DIGI by Bank BJB in Optimizing Customer Experience at the Banjar Branch

Authors

  • Riza Faizal Politeknik Triguna Tasikmalaya, Indonesia
  • Lina Marlina Triguna Tasikmlaya Polytechnic, Indonesia
  • Ati S Setiawan Triguna Tasikmalaya Polytechnic, Indonesia

DOI:

10.47709/brilliance.v4i2.4928

Keywords:

QRIS, DIGI bank bjb, Digital transaction flow, Customer satisfaction

Dimension Badge Record



Abstract

The implementation of the Quick Response Code Indonesian Standard (QRIS) in the DIGI by bank bjb application faces challenges in enhancing the transaction flow for customers at the Banjar Branch. The primary issue is the demand for ease, speed, and efficiency in digital transactions, while aspects such as promotions and QRIS scanning capability across various merchants remain suboptimal. This study aims to examine the impact of QRIS usage within the DIGI application on the transaction flow for bank bjb customers. A quantitative research method with an explanatory survey approach was employed, involving 100 respondents who are bank bjb customers in the Banjar area. Data was collected using a Likert-scale questionnaire and analyzed using simple linear regression. The results indicate a significant positive influence of QRIS usage on transaction flow, with a t-value that demonstrates a strong correlation. The average customer satisfaction score indicated a “Very Good” criterion. These findings imply that the QRIS feature in the DIGI by bank bjb application can enhance customer transaction experiences; however, the bank needs to improve promotional features and expand QRIS scanning capabilities to further increase customer satisfaction and the competitiveness of its digital services.

Google Scholar Cite Analysis
Abstract viewed = 23 times

References

Alicia, E., Gede, L., & Dewi, K. (2024). Implementasi Transaksi Payment Gateaway Berbasis QRIS pada Aplikasi Mobile Banking BRI Terhadap Kelancaran Bertransaksi bagi Para Pelaku UMKM di Pantai Penimbangan. Jurnal Ilmiah Akuntansi Dan Humanika, 14(1), 66–77.

Alifia, N., Permana, E., & Harnovinsah, D. (2024). Analisis Penggunaan Qris Terhadap Peningkatan Pendapatan UMKM. In Jurnal Ekonomi Manajemen dan Bisnis (Vol. 25, Issue 1).

Avornyo, P., Feng, Z., Liu, L., Boadi, E. A., Azamela, J. C., & Opata, C. N. (2024). The role of OSL in mobile banking application discontinuance: A technological innovation dilemma. Technovation, 131, 102946. https://doi.org/https://doi.org/10.1016/j.technovation.2023.102946

Bahar Agung Pambudi, L., Rahagiyanto, A., Eko Julianto Suyoso, G., Kesehatan, J., & Negeri Jember, P. (2020). Implementasi QR Code untuk Efisiensi Waktu Pemesanan Menu Makanan dan Minuman di Restoran maupun Kafe. In BIOS?: Jurnal Teknologi Informasi dan Rekayasa Komputer (Vol. 1, Issue 1).

Dz., A. S. (2018). Inklusi Keuangan Perbankan Syariah Berbasis Digital-Banking: Optimalisasi dan Tantangan. Al-Amwal?: Jurnal Ekonomi Dan Perbankan Syari’ah, 10(1), 63. https://doi.org/10.24235/amwal.v10i1.2813

Ferozi Ramdana Irsyad, Filja Azkiah Siregar, Jonatan Marbun, & Hasyim Hasyim. (2024). Menghadapi Era Baru?: Strategi Perbankan Dalam Menghadapi Perubahan Pasar Dan Teknologi Di Indonesia. Transformasi: Journal of Economics and Business Management, 3(2), 29–46. https://doi.org/10.56444/transformasi.v3i2.1594

Fidat, F., Rolianah, W. S., Tinggi, S., Islam, E., & Gresik, K. S. (2023). Strategi Penanganan Pembiayaan Bermasalah Pada Kspps Mitra Usaha Ideal Cabang Dukun. Jurnal Perbankan Syariah Darussalam (JPSDa), 3(1), 2775–6084. https://doi.org/10.30739/jpsda.v2i1.1956

Hair Jr, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2023). Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R: A Workbook. In Structural Equation Modeling: A Multidisciplinary Journal (Vol. 30, Issue 1). https://doi.org/10.1080/10705511.2022.2108813

Hernandez-de-Menendez, M. (2020). Educational experiences with Generation Z. International Journal on Interactive Design and Manufacturing, 14(3), 847–859. https://doi.org/10.1007/s12008-020-00674-9

Ibrahim, M., & Thawil, S. M. (2019). Pengaruh Kualitas Produk Dan Kualitas Pelayanan Terhadap Kepuasan Konsumen. Jurnal Riset Manajemen Dan Bisnis (JRMB) Fakultas Ekonomi UNIAT, 4(1), 175–182. https://doi.org/10.36226/jrmb.v4i1.251

Infopriangan. (2023). Bank Indonesia Tasikmalaya Sosialisasikan Qris. https://infopriangan.com/bank-indonesia-tasikmalaya-sosialisasikan-qris/

Iqbal, J., & Isroq Urrahmah, dan. (2021). PENGARUH KEMUDAHAN DAN KETERSEDIAAN FITUR TERHADAP PENGGUNAAN MOBILE BANKING. Global Financial Accounting Journal, 05(02).

Lukitaningsih, A. (2013). Iklan Yang Efektif Sebagai Strategi Komunikasi Pemasaran. Jurnal Ekonomi Dan Kewirausahaan, 13(2), 116–129. http://ejurnal.unisri.ac.id/index.php/Ekonomi/article/view/670/576

Marlina, L., Mundzir, A., & Pratama, H. (2020). CASHLESS DAN CARDLESS SEBAGAI PERILAKU TRANSAKSI. Co-management, 2, 533–538.

Mustagfiroh, L., Supriyadi, A., & Kudus, I. (2024). Efektivitas Penggunaan QRIS sebagai Media Pembayaran dalam Meningkatkan Perkembangan UMKM di Jepara. JEBISKU: Jurnal Ekonomi Dan Bisnis Islam IAIN Kudus, 2(2). http://jim.ac.id/index.php/JEBISKU/

Mutiasari, A. I. (2020). PERKEMBANGAN INDUSTRI PERBANKAN DI ERA DIGITAL. EKONOMI BISNIS DAN KEWIRAUSAHAAN, IX(2). www.aptika.kominfo.go.id,

Natalia Kristanty, D. (2024). Tren dan Tantangan Keamanan Bertransaksi dengan Qris dalam Era Transformasi Sistem Pembayaran Digital. In Syntax Admiration (Vol. 5, Issue 10).

Nur Aziz, T., Purnomo, M., & Purbasari, R. (2022). Corporate Entrepreaneurship dan Innovation PT. Bank Jawa Barat (BJB) pada system digital banking untuk mengejar keunggulan kompetitif. Entrepreneur: Jurnal Bisnis Manajemen Dan Kewirausahaan, 1. http://ejournal.unma.ac.id/index.php/entrepreneur

Nursaid Nursaid, & Nurul Qomariah. (2023). Peningkatan Loyalitas Pelanggan di Industri Perbankan (1st ed.). Divapustaka.

Perdana, I. K., & Sinarwati, N. K. (2022). Penerapan Transaksi Payment Gatway Berbasis QRIS pada UMKM ( Study Empiris Pada Pedangang di Pantai Penimbangan ). Bisma: Jurnal Manajemen, 8(2), 331–337.

Sarstedt, M., Hair, J. F., Cheah, J., Becker, J., & Ringle, C. M. (2019). How to specify, estimate, and validate higher-order constructs in. Australasian Marketing Journal (AMJ), 27(3), 197–211. https://doi.org/10.1016/j.ausmj.2019.05.003

Sava, A. A., Mas’ud Mizoguchi, K., Hardika, R. A., Luthfyardy, R. N., & Rakhmawati, N. A. (2024). Pengaruh Penggunaan Metode Pembayaran QRIS Terhadap Keputusan Pembelian Mahasiswa ITS: Studi Kasus Kantin Pusat ITS. Jurnal Sistem Informasi Dan Ilmu Komputer, 2(1), 98–111. https://doi.org/10.59581/jusiik-widyakarya.v2i1.2302

Sera Fauzela, D., Budi, A. A., Pemanfaatan, A., Balitbangda, T., Lampung, P., Ahli, P., & Balitbangda, P. (2023). PERANAN PERBANKAN DALAM MENGHADAPI PENGARUH GLOBALISASI EKONOMI THE ROLE OF BANKING IN DEALING WITH THE EFFECTS OF ECONOMIC GLOBALIZATION. Jurnal.Balitbangda.Lampungprov, 11(3).

Setiawan, I. W. A., & Mahyuni, L. P. (2020). Qris Di Mata Umkm: Eksplorasi Persepsi Dan Intensi Umkm Menggunakan Qris. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 10, 921. https://doi.org/10.24843/eeb.2020.v09.i10.p01

Tio, W. A., & Budiman, J. (2021). Analisis Sistem Pembayaran Digital Pada Era Globalisasi. Conference on Management, Business, Innovation, Education and Social Science, 1(1), 1917. https://journal.uib.ac.id/index.php/combines

Tirtawijaya, Y. K., & Wagiman, W. (2023). Analisis Penguatan Sistem Perbankan Digital Di Indonesia Berdasarkan Asas-Asas Perbankan. Jurnal Ilmiah Ecosystem, 23(1), 172–186. https://doi.org/10.35965/eco.v23i1.2493

Wiwesa, N. R. (2021). USER INTERFACE DAN USER EXPERIENCE UNTUK MENGELOLA KEPUASAN PELANGGAN. Jurnal Sosial Humaniora Terapan, 3(2).

Yuniastuti, R. M., Nasyaroeka, J., & Lestari, F. W. (2012). The Effect of Quality Costs on Damaged Product Minimization: Case Study on Food Industry Home Products. GEMA: Jurnal Gentiaras Manajemen Dan Akuntansi, 16(1), 58–65. https://doi.org/10.47768/gema.v16i1.202404

Zhillan Sabtina Syawali, A., Syahadat Harahap, A., Aditya Pradesa, H., & Aditya Tri Andikaputra, F. (2023). Analisis Penggunaan Aplikasi BJB DIGI Mobile Banking dengan Menggunakan Pendekatan Technology Acceptance Model (TAM). Media Online, 4(1), 624–633. https://doi.org/10.30865/klik.v4i1.1205

Downloads

ARTICLE Published HISTORY

Submitted Date: 2024-11-07
Accepted Date: 2024-11-19
Published Date: 2024-11-30

How to Cite

Faizal, R. ., Marlina, L., & Setiawan, A. S. . (2024). Enhancing Transaction Smoothness with QRIS Technology: The Role of DIGI by Bank BJB in Optimizing Customer Experience at the Banjar Branch. Brilliance: Research of Artificial Intelligence, 4(2), 722-729. https://doi.org/10.47709/brilliance.v4i2.4928