PENGARUH KEMUDAHAN DAN KEAMANAN TERHADAP KEPUTUSAN MENABUNG PADA BANK DIGITAL DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERATING (Studi Kasus Mahasiswa UIN Prof. K.H. Saifuddin Zuhri Purwokerto)

Amelia, Kartika (2025) PENGARUH KEMUDAHAN DAN KEAMANAN TERHADAP KEPUTUSAN MENABUNG PADA BANK DIGITAL DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERATING (Studi Kasus Mahasiswa UIN Prof. K.H. Saifuddin Zuhri Purwokerto). Skripsi thesis, UIN Prof. K.H. Saifuddin Zuhri Purwokerto.

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Abstract

This study aims to analyze the effect of convenience and security on saving decisions at digital banks with religiosity as a moderating variable. The development of digital financial technology has changed the behavior patterns of customers, especially students, in choosing banking services. Ease of access and transaction security are the main factors in determining the decision to save at a digital bank. In addition, religiosity can play a role in strengthening or weakening the influence of these two factors on saving decisions, especially in the context of Islamic banking. This study uses quantitative methods with multiple linear regression approaches and Moderated Regression Analysis (MRA) techniques to test the role of moderating variables. The research sample consists of students of Prof. K.H. Saifuddin Zuhri Purwokerto State Islamic University who are digital bank customers. Data were collected through questionnaires and analyzed using statistical software. The results showed that convenience and security have a positive effect on saving decisions. In addition, religiosity is not proven to moderate the relationship between convenience and security on saving decisions, where individuals with higher levels of religiosity do not always tend to consider religious aspects in the use of digital banking services. These findings provide implications for the digital banking industry to improve technology-based services that are not only practical and secure but also incompatible with customers' religious values.

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