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Abstract
ABSTRACT
This study aimed to discover and investigate the implementation of financial technology with
QR Code-based payment system and its effect on customers’ satisfaction at NTB Syariah
Bank Pejanggik Main Branch. This descriptive qualitative study gathered data from interviews
with key informants to the likes of management and officers of the bank, the development
team of the technology division, Customers, and merchants/partners who have collaborated
with the bank QRIS merchant services. The study concluded that the implementation of
financial technology has run well, and further development plans were needed to provide
QRIS CPM (Customer Presented Mode) services, QRIS TTS (Tarik Transfer Deposit), and
QRIS Issuer Cross Border. Customer satisfaction was measured through customers and
merchants who found it easier and safe payments as their reason for sustainably using and
recommending this feature to others. In addition, qualitative research enriched the knowledge
and perspectives of customers regarding the benefits and challenges faced using fintech, a
QR Code-based payment system. Hence, the bank needed to improve socialization and
literacy for both customers and merchants to remain using cash transactions with the QRIS
of NTB Syariah Bank.
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References
- Fandy Tjiptono, Strategi Pemasaran ed 3, Yogyakarta:Andi Publisher, 2012.
- Fatwa DSN-MUI No.116/DSN-MUI/IX/2017
- Ginantra, N. L. W. S. R., Simarmata, J., Purba, R. A., Tojiri, M. Y., Duwila, A. A., Siregar, M. N. H., ... & Siswanti, I., Teknologi Finansial: Sistem Finansial Berbasis Teknologi di Era Digital. Yayasan Kita Menulis, 2020
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- Kotler, Philip, Manajemen Pemasaran.Edisi Kesebelas Jilid 2, PT. Intan Sejati, 2006
- Laporan Tahunan Bank NTB Syariah, 2021
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- Lomi, M. D. S., & Darma, G. S., Jalan Terjal Implementasi QR Code Bank BCA di Bali, Jurnal Akuntansi dan Pajak, 22(2), 816-823, 2022
- Lovelock, C. & Wirtz, J., Services marketing : People, technology, and strategy (6th ed.). New Jersey: Pearson Education, Inc., 2007
- Lupiyoadi Rambat, Manajemen Pemasaran Jasa , Jakarta: Salemba Empat, 2001
- M. Umer Chapra, Al-Qur’an Menuju Sistem Moneter Yang Adil, Diterjemahkan Oleh Lukman Hakim, Yogyakarta, Dana Bhakti Prima Yasa, 1997
- Mangeswuri, D. R., Wuryandani, D., Purwanto, N. P., Hendra, S. P., Meilani, H., Sayekti, N. W., & Rivani, E., Industri Kreatif, Fintech dan UMKM dalam Era Digital, 2018
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- Miles, Matthew B. dan A. Michael Huberman, Analisis Data Kualitatif, Jakarta : UIPress. 1992
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- Miswan Ansori, Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Industri Keuangan Syariah Di Jawa Tengah , Wahana Islamika : Jurnal Studi Keislaman, Vol.5 No.1 April 2019
- Miswan Ansori, Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Industri Keuangan Syariah Di Jawa Tengah, Wahana Islamika: Jurnal Studi Keislaman, Vol.5 No.1 April 2019
- Muhammad Syafi`i Antonio, Bank Syariah, Jakarta: Gema Insani Press, 2001
- Muhammad, Manajemen Bank Syari’ah, Yogyakarta: Unit Penerbit dan Percetakan, 2011
References
Fandy Tjiptono, Strategi Pemasaran ed 3, Yogyakarta:Andi Publisher, 2012.
Fatwa DSN-MUI No.116/DSN-MUI/IX/2017
Ginantra, N. L. W. S. R., Simarmata, J., Purba, R. A., Tojiri, M. Y., Duwila, A. A., Siregar, M. N. H., ... & Siswanti, I., Teknologi Finansial: Sistem Finansial Berbasis Teknologi di Era Digital. Yayasan Kita Menulis, 2020
Hananto Agung Baskoro, “Analisa Multi Perspektif dari Faktor-Faktor Yang Mempegaruhi Niatan Pengguna Atas Fitur Mobile Paymnet berbasis QR Code pada Sektor Layanan Mobile Payment Indonesia”.Tesis, Universitas Indonesia,Jakarta:2019
Kotler, Philip, Manajemen Pemasaran: Analisis, Perencanaan, Implementasi, dan Kontrol, Jakarta : PT. Prehallindo, 2001
Kotler, Philip, Manajemen Pemasaran.Edisi Kesebelas Jilid 2, PT. Intan Sejati, 2006
Laporan Tahunan Bank NTB Syariah, 2021
Lexy J Moleong, Metode Penelitian Kualitatif, Bandung: Remaja Rosda Karya, 2011
Lomi, M. D. S., & Darma, G. S., Jalan Terjal Implementasi QR Code Bank BCA di Bali, Jurnal Akuntansi dan Pajak, 22(2), 816-823, 2022
Lovelock, C. & Wirtz, J., Services marketing : People, technology, and strategy (6th ed.). New Jersey: Pearson Education, Inc., 2007
Lupiyoadi Rambat, Manajemen Pemasaran Jasa , Jakarta: Salemba Empat, 2001
M. Umer Chapra, Al-Qur’an Menuju Sistem Moneter Yang Adil, Diterjemahkan Oleh Lukman Hakim, Yogyakarta, Dana Bhakti Prima Yasa, 1997
Mangeswuri, D. R., Wuryandani, D., Purwanto, N. P., Hendra, S. P., Meilani, H., Sayekti, N. W., & Rivani, E., Industri Kreatif, Fintech dan UMKM dalam Era Digital, 2018
Mardalis, Metode Penelitian Suatu Pendekatan Proposal, Jakarta: PT Bumi Aksara, cet-4, 2004
Miles, Matthew B. dan A. Michael Huberman, Analisis Data Kualitatif, Jakarta : UIPress. 1992
Miswan Ansori, Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Industri Keuangan Syariah Di Jawa Tengah, (Wahana Islamika: Jurnal Studi Keislaman Vol.5 No.1 April 2019)
Miswan Ansori, Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Industri Keuangan Syariah Di Jawa Tengah , Wahana Islamika : Jurnal Studi Keislaman, Vol.5 No.1 April 2019
Miswan Ansori, Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Industri Keuangan Syariah Di Jawa Tengah, Wahana Islamika: Jurnal Studi Keislaman, Vol.5 No.1 April 2019
Muhammad Syafi`i Antonio, Bank Syariah, Jakarta: Gema Insani Press, 2001
Muhammad, Manajemen Bank Syari’ah, Yogyakarta: Unit Penerbit dan Percetakan, 2011