Determination of Customer Loyalty Through Customer Satisfaction in Using Mobile Banking
Abstract
This study aims to analyze the determinants that influence customer loyalty through customer satisfaction in using mobile banking . The method used in this study is a quantitative descriptive approach using path analysis to test the direct relationship between variables and indirect relationships between variables using structural equation modeling - partial least square (sem-pls). Data collection used is a questionnaire distributed via google form. The number of samples is 90 Aceh Tamiang customers. Determination of the sample uses a nonprobability sampling technique where sampling does not provide equal opportunities for each member of the population selected as a sample and uses SmartPLS 4.0 software. The results of the study showed that the customer experience variable on customer satisfaction has a positive and significant effect, the service quality variable on customer satisfaction has a negative and insignificant effect, the service feature variable on customer satisfaction has a positive and significant effect, the customer experience variable on customer loyalty has a negative and insignificant effect, the service quality variable on customer loyalty has a negative and insignificant effect, the service feature variable on customer loyalty has a positive and significant effect, the customer satisfaction variable on customer loyalty has a positive and significant effect, customer satisfaction can mediate customer experience on customer loyalty, customer satisfaction cannot mediate service quality on customer loyalty, customer satisfaction can mediate service features on customer loyalty.
References
Dewi, PS, & Ika, PN (2024). The Effect of Mobile Banking Service Quality and Trust on Customer Loyalty Mediated by Customer Satisfaction at PT Bank Syariah Indonesia KCP Medan Pulo Brayan. Journal of Economics, Business, Management and Accounting (Jebma) , 4 , 2154–2162. Retrieved from doi.org/jebma.v4n3.4993
Elisa Emeliya Sihombing, & Kartini Harahap. (2024). The Effect of the Effectiveness of Ease of Use and Customer Satisfaction on Customer Loyalty of Bank Sumut Mobile Banking Users in Medan City. Journal of Finance and Business Digital , 2 (4), 601–614. Retrieved from https://doi.org/10.55927/jfbd.v2i4.6676
Fitri Lestari, Ahmad Indarta, Supriyanto, TW (2024). Determination of Generation Z Loyalty Towards the Use of Sharia Mobile Banking Based on Artificial Intelligence. Scientific Islamic Economics , 10 (03), 3001–3012. Retrieved from https://jurnal.stie-aas.ac.id/index.php/jie
Ismulyaty, S., Nurmaini, & Roni, M. (2022). The Influence of Service Quality and Internet Banking User Satisfaction on Customer Loyalty of Bank Syariah Indonesia (Bsi Kalirejo). NISBAH: Journal of Islamic Banking , 8 (1), 66–75.
Oktariani, F., Panorama, M., & Bayumi, R. (2024). The Influence of Service Features and Security on Customer Satisfaction Using Mobile Banking at Bank Syariah Indonesia Kc Palembang Demang with Trust as an Intervening Variable. Journal of Economics and Digital Business , 01 (03), 618–626. Retrieved from https://jurnal.ittc.web.id/index.php/jebd/index
Polontalo, MA, Umar, ZA, & Isa, RA (2025). Customer Loyalty in Using Bri Mobile Application Services (Case Study of Bank Rakyat Indonesia KC Kota Gorontalo). Scientific Management and Business , 7 (3), 1280–1288. Retrieved from http://ejurnal.ung.ac.id/index.php/JIMB
Qibtiyana, M., Ali, H., Hendayana, Y., Jocrien, JM, & Rianto, MR (2025). Determination of Customer Loyalty Through Customer Satisfaction on the Lazada E-Commerce Platform in Bekasi City. Economics of Information Systems Management , 6 (4), 2178–2194. Retrieved from https://doi.org/10.38035/jemsi.v6i4
Rahmansyah Rahmansyah, Marliyah Marliyah, & Atika Atika. (2023). The Influence of Customer Perceived Value and Trust on Mobile Banking User Loyalty with Satisfaction as an Intervening Variable at Indonesian Sharia Banks. MUQADDIMAH: Journal of Economics, Management, Accounting and Business , 2 (1), 208–226. Retrieved from https://doi.org/10.59246/muqaddimah.v2i1.593
Samuel Jolin, & Blasius Manggu. (2023). The Influence of Mobile Banking Utilization and Service Quality at BRI Bank Bengkayang Branch on Customer Satisfaction. Manuhara Journal: Center for Management and Business Science Research , 1 (4), 11–25. Retrieved from https://doi.org/10.61132/manuhara.v1i4.163
Santalia, A., Adha, MA, & Adi, SP (2024). The Influence of Automatic Teller Machine (ATM), Mobile Banking, Security and Trust on Customer Loyalty of Indonesian Islamic Banks. Pelita Bangsa Islamic Economy , 09 (02), 327–340. Retrieved from https://journal.lppmpelitabangsa.id/index.php/jespb
Setyani, I., Farida, U., & Rapini, T. (2024). The Effect of Ease of Access and Application Benefits on Loyalty Through Customer Satisfaction as an Intervening Variable in Using BRI Mobile Banking Applications in Ponorogo. INNOVATIVE: Journal of Social Science Research , 4 (4), 3581–3600. Retrieved from https://j-innovative.org/index.php/Innovative
Copyright (c) 2025 Jurnal Manajemen dan Keuangan

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Menyataakan bahwa :
- Saya menyatakan bahwa artikel (judul artikel) adalah asli dan tidak pernah dipublikasikan sebelumnya atau akan dipublikasikan di tempat lain.
- Dengan publikasi, saya kirimkan hak cipta kepada Jurnal Manajemen dan Keuangan. Transfer Hak Cipta termasuk dalam hak untuk mereproduksi fotografi untuk artikel sejenis dan terjemahannya. Hal ini juga termasuk dalam hak untuk memasukkan artikel dalam sistem computer untuk disebarluaskan dalam jaringan tersebut.
Declare that :
- I hereby declare that I have submitted to the Jurnal Manajemen dan Keuangan for the above manuscript in origininal no part has been plagiarized and willing to pay a journal management fee.
- I, in consideration of the acceptance of the above work for publication, do hereby assign and transfer to the Jurnal Manajemen dan Keuangan, Management Department Universitas Samudra all of the rights, title, and interest in and to the copyright of the above titled work in its current form, including online supporting material (data supplements) submitted with the work, and in any form subsequently revised for publication and/or electronic dissemination, including translations to another language. I agree to the fact that any attempt to reproduce the text or figures may require their kind permission.

.png)
.png)
