Pengaruh Kemudahan Penggunaan dan Kualitas Layanan Elektronik terhadap Kepuasan Pengguna Aplikasi Wondr By BNI pada Mahasiswa Jurusan Administrasi Bisnis Politeknik Negeri Manado

Authors

  • Virginia Syalomita Politeknik Negeri Manado
  • Precylia Ribka Rambing Politeknik Negeri Manado
  • Rolyke Tulangow Politeknik Negeri Manado
  • Efendy Rasjid Politeknik Negeri Manado

DOI:

https://doi.org/10.61132/lokawati.v4i5.2716

Keywords:

Electronic Service Quality, Perceived Ease of Use, User Experience, User Satisfaction, Wondr by BNI

Abstract

This study aims to examine and analyze the influence of perceived ease of use and electronic service quality on user satisfaction with the Wondr by BNI application among students of the Business Administration Department at Manado State Polytechnic. The study was motivated by the existence of several issues in using the application, including features that are not yet fully easy to understand, system disruptions during transactions, and electronic service quality that has not fully met users' expectations. These conditions are assumed to affect the level of user satisfaction with the Wondr by BNI application. This study employed a quantitative approach using a descriptive research method. The sample consisted of 50 respondents selected through Probability Sampling using the Simple Random Sampling technique. Data were collected through questionnaires based on a five-point Likert scale and analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with SmartPLS version 4.1.1.8. The analysis included the evaluation of the outer model and inner model, followed by hypothesis testing using the bootstrapping technique. The results indicate that perceived ease of use and electronic service quality have a positive and significant effect on user satisfaction with the Wondr by BNI application. Simultaneously, both variables also have a significant influence on improving user satisfaction. Therefore, PT Bank Negara Indonesia (Persero) Tbk. is expected to continuously enhance the application's ease of use and the quality of its electronic services in order to provide a better user experience and improve overall user satisfaction.

Downloads

Download data is not yet available.

References

Angga Lawang Sani, A., Muhajirin, M., & Ovriadin, O. (2024). Pengaruh keamanan, kenyamanan, kualitas, dan fitur aplikasi terhadap kepuasan pengguna Bank BPRS Dinar Ashri pengguna mobile banking. Sammajiva: Jurnal Penelitian Bisnis dan Manajemen, 2(3), 283–309. https://doi.org/10.47861/sammajiva.v2i3.1257

Ardianto, R., Ramdhani, R. F., Dewi, L. O. A., Prabowo, A., Saputri, Y. W., Lestari, A. S., & Hadi, N. (2024). Transformasi digital dan antisipasi perubahan ekonomi global dalam dunia perbankan. MARAS: Jurnal Penelitian Multidisiplin, 2(1), 80–88. https://doi.org/10.60126/maras.v2i1.114

Atieq, M. Q., & Nurpiani, E. (2022). Pengaruh kemudahan penggunaan, manfaat, dan risiko terhadap minat pengguna menggunakan mobile banking bank syariah. Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen, 2(1).* https://doi.org/10.46306/vls.v2i1.109

Atmaja, J. (2018). Kualitas pelayanan dan kepuasan pengguna terhadap loyalitas pada Bank BJB. Jurnal Ecodemica, 2(1), 49–63. https://doi.org/10.24912/jmbk.v2i1.4812

Bahrudin, M., & Zuhro, S. (2015). Pengaruh kepercayaan dan kepuasan pelanggan terhadap loyalitas pelanggan. BISNIS: Jurnal Bisnis dan Manajemen Islam, 3(1), 1–17. https://doi.org/10.21043/bisnis.v3i1.1463

Bankuoru Egala, S., Boateng, D., & Aboagye Mensah, S. (2021). To leave or retain? An interplay between quality digital banking services and customer satisfaction. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-02-2021-0072

Chin, W. W. (1998). The partial least squares approach to structural equation modeling. In G. A. Marcoulides (Ed.), Modern methods for business research. Lawrence Erlbaum Associates.

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

Dina Nudia Ahsanah, D., Muhammad Syahbudi, M., & Ahmad Syakir, A. (2024). Pengaruh kualitas layanan, kepercayaan, dan kemudahan mobile banking Muamalat DIN terhadap kepuasan pengguna pada Bank Muamalat Indonesia KCU Medan Baru. Jurnal Inovasi Ekonomi Syariah dan Akuntansi, 1(5), 1–17. https://doi.org/10.61132/jiesa.v1i5.404

Ghozali, I. (2021). Aplikasi analisis multivariate dengan program IBM SPSS 26 (Edisi ke-10). Badan Penerbit Universitas Diponegoro.

Giswandhani, M., & Hilmi, A. Z. (2020). Pengaruh kemudahan transaksi non-tunai terhadap sikap konsumtif masyarakat Kota Makassar. Jurnal Ilmu Komunikasi, 9(2), 239–250.

Hair, J., & Alamer, A. (2022). Partial least squares structural equation modeling (PLS-SEM) in second language and education research: Guidelines using an applied example. Research Methods in Applied Linguistics, 1(3), 100027. https://doi.org/10.1016/j.rmal.2022.100027

Hamzah, M., Shofi, A., Paulia, D. E., & Efendi, J. (2024). Analisis kualitas layanan aplikasi Wondr by BNI terhadap kepuasan pengguna (Studi kasus: Bank BNI KCP Paiton). Jurnal Manajemen Perbankan Keuangan Nitro, 8(1), 5–38. https://doi.org/10.56858/jmpkn.v8i1.400

Hartono, J. (2008). Sistem informasi keperilakuan. Andi Offset.

Hasibuan, M. S. P. (2016). Manajemen sumber daya manusia (Edisi revisi). Bumi Aksara.

Indrasari, M. (2019). Pemasaran dan kepuasan pelanggan. Unitomo Press.

Kamarudin, K., Nursiah, N., & Novianti, N. (2022). Pengaruh faktor kemudahan, keamanan, dan risiko terhadap kepuasan pengguna dalam menggunakan mobile banking (Studi kasus pada pengguna BRI Kabupaten Mamuju). Jurnal Ilmiah Ilmu Manajemen, 1(2), 11–18.

Kane, G. C., Palmer, D., Phillips, A. N., Kiron, D., & Buckley, N. (2015). Strategy, not technology, drives digital transformation. MIT Sloan Management Review & Deloitte University Press.

Khadka, K., & Maharjan, S. (2017). Customer satisfaction and customer loyalty: Case Trivsel Städtjänster (Trivsel Siivouspalvelut) [Bachelor's thesis, Centria University of Applied Sciences].

Kotler, P., & Keller, K. L. (2016). Marketing management (15th ed.). Pearson Education.

Lai, P. C. (2017). The literature review of technology adoption models and theories for the novelty technology. JISTEM: Journal of Information Systems and Technology Management, 14(1), 21–38. https://doi.org/10.4301/S1807-17752017000100002

Lee, Y.-H., Hsieh, Y.-C., & Chen, Y.-H. (2013). An investigation of employees' use of e-learning systems: Applying the Technology Acceptance Model. Behaviour & Information Technology, 32(2), 173–189. https://doi.org/10.1080/0144929X.2011.577190

Mastarida, F., et al. (2019). Service management. Yayasan Kita Menulis.

Oktopia, T., & Supriatna, U. (2025). Pengaruh kualitas layanan dan fitur aplikasi mobile banking Digi terhadap kepuasan pengguna. Jurnal Ekonomi dan Bisnis, 1(3), 797–804. https://doi.org/10.62567/ijosse.v1i3.1351

Onsardi, O., Finthariasari, M., & Irwanto, T. (2020). Manajemen sumber daya manusia. CV Pustaka Alpha. https://doi.org/10.31219/osf.io/yq85t

Persepsi, D. A. N., Nugraha, D., Putra, G., & Raharjo, S. T. (2021). Analisis pengaruh kemudahan penggunaan, kualitas layanan, dan persepsi manfaat terhadap loyalitas pengguna dengan kepuasan pengguna sebagai variabel intervening. Diponegoro Journal of Management, 10, 1–15.

Putri Amalia, P., & Hastriana, A. Z. (2022). Pengaruh kemanfaatan, kemudahan, keamanan, dan fitur m-banking terhadap kepuasan pengguna dalam bertransaksi pada Bank Syariah Indonesia (Studi kasus BSI KCP Sumenep). Alkasb: Journal of Islamic Economics, 1(1), 70–89. https://doi.org/10.59005/alkasb.v1i1.163

Razak, I., & Rasmansyah. (2018). Pengaruh kualitas layanan terhadap kepuasan pengguna. Jurnal Manajemen Bisnis Krisnadwipayana, 6(3), 1–14. https://doi.org/10.35137/jmbk.v6i3.217

Riduwan, & Akdon. (2015). Rumus dan data dalam analisis statistika. Alfabeta.

Shafira, A. S., Aris Sunindyo, A., & Septian Yudha Kusuma, S. (2023). Pengaruh kemudahan, keamanan, manfaat, dan kepercayaan terhadap kepuasan pengguna dalam menggunakan BRImo di Kota Semarang. Jurnal Ilmiah Research and Development Student, 1(2), 62–74. https://doi.org/10.59024/jis.v1i2.318

Siregar, N. (2010). Pengaruh motivasi berprestasi dan disiplin kerja terhadap kinerja pegawai PDAM Tirtanadi Provinsi Sumatera Utara. Analitika, 2(1), 18–26.

Sugiyono. (2013). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.

Sugiyono. (2017). Statistika untuk penelitian (Cetakan ke-29). Alfabeta.

Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R&D (Edisi ke-2). Alfabeta.

Suryani. (2017). Manajemen strategik bank di era global: Menciptakan nilai unggul untuk kepuasan pengguna. Prenadamedia Group.

Suteja, K. B., & Ariasih, M. P. (2025). Pengaruh kualitas layanan dan kemudahan penggunaan terhadap kepuasan pengguna mobile banking BCA. Jurnal Ilmiah Manajemen, 7(1), 344–350. https://doi.org/10.23887/pjmb.v7i1.83299

Venkatesh, V., Thong, J. Y. L., & Xu, X. (2016). Unified theory of acceptance and use of technology. Journal of the Association for Information Systems, 17(5), 328–376. https://doi.org/10.17705/1jais.00428

Wawan Ruswandi, R. M., & R. R. (2019). Citra merek, kualitas produk, dan kualitas pelayanan dalam meningkatkan kepuasan konsumen bengkel motor yang ada di Sukabumi. Jurnal Ekonomak, 5(3), 108–118.

Xu, X., Peak, D., & Prybutok, V. R. (2015). A customer value, satisfaction, and loyalty perspective of mobile application recommendations. Decision Support Systems, 79, 171–183. https://doi.org/10.1016/j.dss.2015.08.008

Yuliani, L. A., & Gunawan, H. (2023). Pengaruh kualitas layanan, kemudahan, dan keamanan terhadap kepuasan pengguna mobile banking. Jurnal Ekonomi dan Bisnis Digital, 5(1), 55–68.

Downloads

Published

2026-09-01

How to Cite

Virginia Syalomita, Precylia Ribka Rambing, Rolyke Tulangow, & Efendy Rasjid. (2026). Pengaruh Kemudahan Penggunaan dan Kualitas Layanan Elektronik terhadap Kepuasan Pengguna Aplikasi Wondr By BNI pada Mahasiswa Jurusan Administrasi Bisnis Politeknik Negeri Manado. Lokawati : Jurnal Penelitian Manajemen Dan Inovasi Riset, 4(5), 91–110. https://doi.org/10.61132/lokawati.v4i5.2716

Similar Articles

1 2 3 4 5 6 7 8 9 10 > >> 

You may also start an advanced similarity search for this article.

Most read articles by the same author(s)