THE EFFECT OF SERVICE DIGITALIZATION, SERVICE FEATURES, CUSTOMER RELATIONSHIP MANAGEMENT, AND SECURITY ON THE USE OF SYARIAH MOBILE BANKING

This study aims to be an analyst and to find out how the influence of service digitalization, service features, customer relationship management, and security on the people of Blitar City who use sharia mobile banking. This study is a quantitative and correlation study that is explained with numbers and has a relationship. This study has a sample of 100 sharia mobile banking users in Blitar City. The data collection process begins with the distribution of questionnaires, the data analysis process begins by using the content and criteria validity testing process. Furthermore, various classical assumption tests were conducted including normality test, multicollinearity test, heteroscedasticity test, R2 determination coefficient test and partial t hypothesis test and simultaneous F using SPSS 25 software. The results of this study indicate that service digitalization, service features, customer relationship management, and security simultaneously and significantly affect the use of Islamic mobile banking in Blitar City. They have their own influences, namely: 1) Service Digitalization has a significant effect on the use of Islamic mobile banking, 2) Service Features have a significant effect on the use of Islamic mobile banking, 3) Customer Relationship Management has a significant effect on the use of Islamic mobile banking, 4) Security has a significant effect on the use of Islamic mobile banking.