The Effect of the use of the National Payment Gateway (Gpn) Card on the Level of Customer Satisfaction of Islamic Banks in Indonesia

Abstract

Various new innovations through the use of technology were created to face competition in the financial industry. The purpose of this study was to determine the effect of the use of National Payment Gateway (GPN) debit cards on the level of customer satisfaction of Bank Mega Syari’ah (Mega Sharia Bank), Lampung Branch. The sampling technique uses accidental sampling. The data analysis method used is a simple linear regression analysis. The originality of the research lies in the novelty of tolerating Islamic economic theory and empirical evidence about the use of the GPN payment system to increase consumer satisfaction with Islamic financial institutions. The discovery contributes to provide new knowledge about the use of technology for people and islamic financial institutions. The results of data analysis showed that the value of R2 = 0.780. So, 0 <0.780 <1 and it can be stated that 78.0% of customer satisfaction is influenced by the variable adjustment of the use of GPN debit cards, while the remaining 22.0% is influenced by other factors. These results state that between the adjustment variables using the GPN debit card have a strong relationship with a positive direction on the variable customer satisfaction. Based on a review of Islamic economics revealed that the use of credit cards can be one of the strategic indicators in increasing the potential for customer satisfaction at Islamic Banks.