Persepsi Masyarakat Urban dan Rural terhadap Penggunaan BYOND by BSI di Kota Sungai Penuh
DOI:
https://doi.org/10.31851/jmwe.v22i4.19568Keywords:
BYOND by BSI, perbankan digital syariah, persepsi pengguna, masyarakat urban dan rural.Abstract
ABSTRAK
Penelitian ini bertujuan menggali persepsi masyarakat urban dan rural terhadap penggunaan aplikasi BYOND by BSI sebagai layanan perbankan digital syariah di Kota Sungai Penuh. Metode yang digunakan adalah kualitatif deskriptif dengan teknik wawancara mendalam terhadap 20 responden terpilih, serta dilengkapi observasi non-partisipatif. Hasil penelitian menunjukkan bahwa masyarakat urban lebih cepat mengadopsi aplikasi karena menilai BYOND efisien, mudah digunakan, dan sesuai dengan prinsip syariah. Sebaliknya, masyarakat rural masih menghadapi kendala seperti keterbatasan literasi digital, koneksi internet tidak stabil, serta ketergantungan pada bantuan keluarga. Kepercayaan terhadap keamanan sistem, kemudahan antarmuka, dan nilai religius menjadi faktor penting dalam membentuk persepsi positif. Penelitian ini menyimpulkan bahwa keberhasilan digitalisasi layanan perbankan syariah seperti BYOND memerlukan strategi edukasi, peningkatan infrastruktur, dan pendekatan berbasis nilai lokal agar dapat diterima secara luas oleh masyarakat dengan kondisi sosial dan geografis yang berbeda.
Kata Kunci: : BYOND by BSI, Perbankan Digital Syariah, Persepsi Pengguna, Masyarakat Urban dan Rural.
ABSTRACT
This study aims to explore the perceptions of urban and rural communities toward the use of the BYOND by BSI application as a digital Islamic banking service in Sungai Penuh City. A descriptive qualitative approach was used, with data collected through in-depth interviews with 20 purposively selected respondents, supported by non-participant observation. The results show that urban communities adopt the application more quickly, viewing BYOND as efficient, easy to use, and aligned with Islamic principles. In contrast, rural communities still face challenges such as limited digital literacy, unstable internet access, and reliance on family assistance. Trust in system security, user-friendly interfaces, and religious values are key factors shaping positive perceptions. The study concludes that the success of Islamic digital banking services like BYOND requires educational strategies, infrastructure improvement, and culturally rooted approaches to ensure broader acceptance across communities with diverse social and geographical conditions.
Keywords : Byond by BSI, Islamic Digital Banking,User Perception, Urban and Rural Communities.
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