Articles
Vol. 1 No. 7 (2026): AGUSTUS : MUJAHADAH JURNAL ILMU MULTIDISIPLIN
OPTIMASI SELF-SERVICE TECHNOLOGY (SST) PERBANKAN SYARIAH DALAM MENINGKATKAN KEPUASAN MAHASISWA DI YOGYAKARTA
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Submitted
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August 13, 2026
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Published
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2026-08-01
Abstract
The transformation of the banking world to adapt continues to be carried out. Technological developments have an influence on customer satisfaction. It cannot be denied that students are a group that uses banking services a lot. This is supported by the fact that many students migrate to various regions to study. This fact shows that banking has become a very important part of student life.Variable students. The criteria for respondents are as follows: First, students in Yogyakarta. Second, students who use at least one Self-Service Technology service at a Sharia Bank (ATM, M-banking, and I-Banking).The number of research samples that will be taken is 100 respondents. The independent variables (ATM, M-Banking, and I-Banking) together have a positive influence of 44% on student satisfaction. The remaining 56% is influenced by other variables not included in research. Apart from that, this research also proves that ATM, I-Banking, and M-Banking have a partially significant effect on student satisfaction, where every one unit increase in each variable will increase student satisfaction positively. Therefore banking needs to continue to improve the quality of self-service technology services to increase customer satisfaction.
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