ANALYSIS OF USER SATISFACTION WITH THE BANK JAGO DIGITAL BANKING APPLICATION USING THE END USER COMPUTING SATISFACTION(EUCS) METHOD

Authors

DOI:

https://doi.org/10.33480/pilar.v22i2.9025

Keywords:

Bank Jago, digital banking, end user computing satisfaction (EUCS), SPSS, user satisfaction

Abstract

The development of information technology has driven the transformation of banking services into digital systems that are more practical, efficient, and accessible. One of the digital banking applications that has developed in Indonesia is Bank Jago. This study aims to analyze user satisfaction with the Bank Jago application using the End User Computing Satisfaction (EUCS) method, which consists of five dimensions: content, accuracy, format, ease of use, and timeliness. This study employed a quantitative approach using purposive sampling. Data were collected through questionnaires distributed to 110 Bank Jago application users in the Greater Jakarta (Jabodetabek) area. The data were analyzed using IBM SPSS Statistics version 22 through validity testing, reliability testing, normality testing, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R²). The results indicate that all research instruments were valid and reliable. Partially, the ease of use and timeliness variables had a positive and significant effect on user satisfaction, while content, accuracy, and format did not have a significant effect on user satisfaction. Simultaneously, all EUCS variables had a significant effect on user satisfaction with the Bank Jago application. The coefficient of determination (R²) of 0.867 indicates that content, accuracy, format, ease of use, and timeliness collectively explained 86.7% of the variation in user satisfaction, while the remaining 13.3% was explained by other factors outside the research model.

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Author Biographies

  • Zihar Firosya Askaria, Universitas Bina Sarana Informatika

    Faculty of Engineering and Informatics, Department of Information Systems

  • Salwa Aulia, Universitas Bina Sarana Informatika

    Faculty of Engineering and Informatics, Department of Information Systems

  • Sri Hardani, Universitas Bina Sarana Informatika

    Department of Information Systems, Bina Sarana Informatics University, Indonesia

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Published

2026-09-30

Issue

Vol. 22 No. 2 (2026): Pilar Nusa Mandiri : Journal of Computing and Information System Publishing Period for September 2026

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Articles

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Copyright (c) 2026 Zihar Firosya Askaria, Salwa Aulia, Sri Hardani

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How to Cite

ANALYSIS OF USER SATISFACTION WITH THE BANK JAGO DIGITAL BANKING APPLICATION USING THE END USER COMPUTING SATISFACTION(EUCS) METHOD. (2026). Jurnal Pilar Nusa Mandiri, 22(2), 146-155. https://doi.org/10.33480/pilar.v22i2.9025