TRANSFORMASI KEUANGAN SYARI’AH BERBASIS KEAGENAN DIGITAL: EKSPLORASI DAMPAK BYOND BY BSI DI LINGKUNGAN PESANTREN
DOI:
https://doi.org/10.24252/iqtishaduna.v7i4.69278Abstract
Abstrak
Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan aplikasi BYOND by BSI terhadap efisiensi dan aksesibilitas layanan keuangan pada mahasiswa Universitas Al-Amien Prenduan dan Universitas Annuqayah. Permasalahan penelitian ini berangkat dari masih adanya keterbatasan akses teknologi, penggunaan smartphone, akses internet, serta tingkat literasi digital yang beragam sehingga dapat memengaruhi pemanfaatan layanan digital banking syariah. Penelitian ini berargumen bahwa aplikasi BYOND by BSI sebagai inovasi fintech syariah mampu meningkatkan kualitas layanan keuangan melalui kemudahan transaksi, efisiensi waktu, dan perluasan akses layanan perbankan bagi mahasiswa pesantren. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 149 responden yang dipilih menggunakan teknik purposive sampling, dengan analisis data menggunakan regresi linear sederhana melalui aplikasi SPSS. Hasil penelitian menunjukkan bahwa penggunaan aplikasi BYOND by BSI berpengaruh positif dan signifikan terhadap efisiensi layanan keuangan (t = 17,184; sig. = 0,000) dan aksesibilitas layanan keuangan (t = 14,311; sig. = 0,000), sehingga dapat disimpulkan bahwa BYOND by BSI mampu meningkatkan kemudahan, kecepatan, dan fleksibilitas layanan keuangan bagi mahasiswa di lingkungan pesantren.
Kata Kunci: aksesibilitas, BYOND by BSI, digital banking syariah, efisiensi, mahasiswa pesantren.
Abstract
This study aims to analyze the effect of using the BYOND by BSI application on the efficiency and accessibility of financial services among students of Universitas Al-Amien Prenduan and Universitas Annuqayah. The research problem arises from limitations in technology access, smartphone usage, internet connectivity, and varying levels of digital literacy that may affect the utilization of Islamic digital banking services. This study argues that BYOND by BSI, as an Islamic fintech innovation, can improve financial service quality through transaction convenience, time efficiency, and wider access to banking services for students. This research employed a quantitative approach using a survey method involving 149 respondents selected through purposive sampling, and the data were analyzed using simple linear regression with SPSS. The results indicate that BYOND by BSI has a positive and significant effect on financial service efficiency (t = 17.184; sig. = 0.000) and accessibility (t = 14.311; sig. = 0.000), indicating that the application enhances convenience, speed, and flexibility of financial services for students in Islamic boarding school environments.
Keywords: accessibility, BYOND by BSI, efficiency, Islamic digital banking, students in Islamic boarding school environments.
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Copyright (c) 2026 Holilur Rahman, Hel Yatunnaqiyah
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