Bank Rakyat Indonesia’s Mobile Banking Services Customers in Jember Sub-Branch Office

Bank Rakyat Indonesia’s Mobile Banking Services Customers in Jember Sub-Branch Office

  • tsiqoh billah billah mobile banking
Keywords: E-commerce, m-Banking, Service Characteristics, Service Quality, Banking Services.


This study is a qualitative study aimed at explaining Bank Rakyat Indonesia's mobile banking (m-Banking) services the Jember Sub-Branch Office and to find out BRI's strategy in improving m-Banking service as a reliable product for customers. The progress of the business system with the e-commerce system makes consumers switch ways by using non-cash payment methods (cashless). Technological advancements in the banking sector have encouraged the banking sector to be more innovative in providing non-cash payment services in the form of a transfer system and payment instruments in the form of electronic card, because they are secure, fast, efficient, and global. The study found that there are obstacles, namely an easy network error so that transactions can be hampered, high SMS costs for business people, can be easily accessed by others if customers forget to log off. The conclusions of using the TASS (Trust, Accuracy, Speed, Scurity) method from these five aspects are scurity and speed that need to be considered by the BRI bank, because the are several case of cyber crime and old repairs / maintence.


Budi Agus, Riswandi. (2005).Aspek Hukum Internet Banking, Jakarta : Raja Grafindo Persada.
Kurniawan, D., Semuel. H, dan Japarianto. E. (2013). Analisis Penerimaan Nasabah Terhadap Layanan Mobile Banking dengan Menggunakan Pendekatan Technology Acceptance Model dan Theory Of Reasoned Action. Jurnal Strategi Pemasaran.
Sandy, Kunthi Fahmar. (2015). Pengguna Mobile Banking Melebihi Target. access 30 Desember 2017.
Kusuma, Hendra (2015). Transaksi Mobile Banking BRI Tembus Rp62 Triliun. accses 30 Desember 2017
Keban, Y. (2008). Enam Dimensi Strategi Administrasi Publik, Konsep, Teori, Dan Isu. Cetakan Kedua. Yogyakarta: Gava Media.
Alghifari. (2015). Analisis Regresi Untuk Bisnis dan Ekonomi. Yogyakarta: BPFEYogyakarta.
Hanif, A., Winarno. W,dan Arif. A.(2017). Analisis Minat Penggunaan Mobile Banking Dengan PendekatanTechnology Acceptance Model (TAM) Yang Telah Dimodifikasi(Analysis Behavioral Intention to Uses of Mobile Banking TechnologyAcceptance Model (TAM) Approach Modified).e-JournalEkonomi Bisnis dan Akuntansi. IV (1) : 24-29
Salehi, M., and Alipour, M., . (2010). “E-Banking in Emerging Economy: EmpiricalEvidence of Iran”. International Journal of Economic and finance Vol.2 , No.1.
Gummesson, E. andLovelock. C. (2004). Whither Service Marketing. In Search of a New Pradigm and Fresh Perspective.Journal of Service Research, 7 (1). 20-41.
Rianto, N.A.A. (2010).Dasar-Dasar Pemasaran Bank Syariah, Bandung: Alfabeta.
Wiratna.(2014). Metode Penelitian, Yogyakrta: Pustaka Baru Press.
Matthew, M. B. dan Michael. H. (2014).Analisis Data Kualitatif.Jakarta: UI Press.
Lupiyoadi, R.dan A. Hamdani.(2006).Manajemen Pemasaran Jasa. Edisi: kedua. Jakarta: Penerbit Salemba Empat.
How to Cite
billah, tsiqoh billah. (2020). Bank Rakyat Indonesia’s Mobile Banking Services Customers in Jember Sub-Branch Office. Archives of Business Research, 8(4), 146-154.