Customer Satisfaction Perception in Application Use Mobile Banking JConnect Bank East Java in Surabaya City

Authors

  • Reyhan Ananda Ganda Hayam Wuruk University of Perbanas
  • Herwin Ardianto Hayam Wuruk University of Perbanas

DOI:

https://doi.org/10.9744/jremb.3.1.39-45

Keywords:

Perception, Customer Satisfaction, Digital Service

Abstract

The development of information technology has encouraged banks to transform towards digital services, particularly through mobile banking applications. This study aims to examine customer satisfaction with the Bank Jatim JConnect Mobile application in Surabaya. This study uses a qualitative descriptive approach, including interviews, questionnaires, and observations of JConnect mobile banking customers. The research results show that most respondents were satisfied with the mobile banking platform Jconnect. The highest user satisfaction was in aspects of service quality (68%), feature relevance (62%), transaction security (55%), and ease of use (50%). Respondents also provided suggestions for feature development, such as adding real-time notifications, video tutorials, credit due reminders, and double security. The findings of this study are expected to provide input for application service providers, namely Bank Jatim, to improve the quality of digital services to meet customer needs and expectations, and to strengthen competitiveness in the digital banking era.

References

Aprilia, F. P., & Rithmaya, C. L. (2025). Formulation of standard operating procedures for tickets for Sumber Gempong tourism management. Jurnal Riset Ekonomi, Manajemen, Dan Bisnis, 2(2), 59–66. https://doi.org/10.9744/jremb.2.2.59-66

Ayu, L. P., & Fasa, M. I. (2025). Transformasi digital banking: manfaat dan resiko transaksi online modern (internet banking & mobile banking). Jurnal Media Akademik, 3(4), 1-14, DOI: 10.62281

Badan Pusat Statistik. (2025). Statistik Telekomunikasi Indonesia 2024. https://www.bps.go.id/id/publication/2025/08/29/beaa2be400eda6ce6c636ef8/statistik-telekomunikasi-indonesia-2024.html

Budi, A. P., & Tarigan, Z. J. H. (2025). The effect of brand image, promotion effectiveness, and product quality on consumer buying interest. Jurnal Riset Ekonomi, Manajemen, Dan Bisnis, 2(2), 67–77. https://doi.org/10.9744/jremb.2.2.67-77

Daiva. (2023, March 13). Mobile Banking Adalah: Pengertian, Fitur, dan Contohnya. https://Universalbpr.Co.Id/Blog/Mobile-Banking-Adalah/.

Fransisko Paniroi, H., Hardiyanti Kusuma Dewi, E., & Irsad, M. (2024). M-Banking: Salah satu layanan jasa bank yang menjadi faktor penting dalam mendapatkan kepuasan nasabah. Pajak Dan Manajemen Keuangan, 1, 63–70.

Herco Digital. (2025, January 1). Trend Peningkatan Internet di Indonesia Hingga Tahun 2025. Https://Www.Hercodigital.Id/Trend-Peningkatan-Internet-Di-Indonesia-Hingga-Tahun-2025-Analisis-Mendalam-Berbasis-Data/.

Herwin Ardianto, Chitra Laksmi Rithmaya, & Larasati Ayu Sekarsari. (2025). biometric technology in digital banking: Insights from generation z and millennials. Journal of Business & Banking, 15(01). https://doi.org/10.14414/jbb.v15i1.5378

Manthofani, M.S. (2022). Efektivitas JConnect Mobile guna meningkatkan kualitas pelayanan nasabah dalam perspektif teknologi informasi perbankan (Studi pada Bank Jatim Syariah Kantor Cabang Kediri). Skripsi, IAIN Kediri.

Meirizka Sasikirana. (2025). Transformasi Digital banking, kemudahan layanan perbankan: Cepat, efektif, dan efisien. https://harian.disway.id/read/847774/transformasi-digital-banking-kemudahan-layanan-perbankan-cepat-efektif-dan-efisien?utm_source=chatgpt.com

Mukhra, U. H., Makruf, J. J., Kesuma, T. M., Nizam, A. N., & Siregar, M. R. (2024). Mobile banking dalam persepsi privasi nasabah. Syiah Kuala University Press.

Nisa, A. H., Hasna, H., & Yarni, L. (2023). Persepsi. Koloni, 2(4), 213–226. https://doi.org/10.31004/koloni.v2i4.568,

Oktaviana Vivi P, Tantri Widiastuti, & Suhaji. (2021). Faktor-faktor yang mempengaruhi kepuasan nasabah (Studi kasus pada nasabah PT. Asuransi Sequis Life Semarang). Jurnal Ilmiah Aset, 23(1), 53-62, DOI: 10.37470/1.23.1.177

Pradini, K. T., & Susanti, S. (2021). Pengaruh literasi keuangan, literasi digital, dan kemudahan penggunaan terhadap penggunaan mobile banking BCA, BNI, BRI. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana. https://doi.org/10.24843/eeb.2021.v10.i10.p04

Pratama, R. Y., & Harsono, S. (2025). The Influence of Perceived Risk on Trust, E-WOM, and Purchase Intention in Shopee Users. Jurnal Riset Ekonomi, Manajemen, Dan Bisnis, 2(1), 1–5. https://doi.org/10.9744/jremb.2.1.1-5

Qholisa, S. N., & Nudin, S. R. (2023). Analisis kepuasan pengguna aplikasi jconnect mobile menggunakan metode End User Computing Satisfaction (EUCS) dan Importance Performance Analysis (IPA). Journal of Emerging Information System and Business Intelligence, 4(2), https://doi.org/10.26740/jeisbi.v4i2.54974

Rianita, G., & Iqbal Fasa, M. (2024). Analisis manfaat penggunaan mobile banking sebagai alat pembayaran digital analysis of the benefits of using mobile banking as a digital payment tool. Jurnal Intelek Dan Cendikiawan Nusantara, 1(5), 7647-7652

Rizieq, M. (2024). Transformasi layanan perbankan dari antrian panjang menuju banking in your pocket. Jurnal Perbankan Dan Keuangan, 5(2), 291-299 https://doi.org/10.37058/banku.v5i2.13217

Sandy Romualdus. (2021, May 28). Hati-hati risiko pasca digitalisasi. https://www.Stabilitas.Id/Hati-Hati-Risiko-Pasca-Digitalisasi/.

Tjiptono, F., & Diana, A. (2019). Kepuasan pelanggan : konsep, pengukuran, dan strategi. Yogyakarta: Andi, 2(2).

Wahyuningsih, E., Bambang. S.W.A, & Sudarmawan. (2021). Evaluasi penerimaan mobile aplikasi mandiri online terhadap minat nasabah menggunakan metode UTAUT II (Studi kasus: Bank Mandiri Cabang Solo). Jurnal Penelitian Dan Surabaya, 7(1), 8-14, DOI: https://doi.org/10.46808/informa.v7i1.193

Downloads

Published

2026-05-29

How to Cite

Ganda, R. A., & Ardianto, H. (2026). Customer Satisfaction Perception in Application Use Mobile Banking JConnect Bank East Java in Surabaya City. Jurnal Riset Ekonomi, Manajemen, Dan Bisnis, 3(1), 39–45. https://doi.org/10.9744/jremb.3.1.39-45

Issue

Section

Articles