Implementasi Fitur Pembayaran Tagihan dan Transfer Antar Rekening Syariah BSB Mobile Dalam Meningkatkan Efisiensi Operasional di Bank Sumsel Babel Syariah KC Palembang

Hilaliyah, Hilal (2025) Implementasi Fitur Pembayaran Tagihan dan Transfer Antar Rekening Syariah BSB Mobile Dalam Meningkatkan Efisiensi Operasional di Bank Sumsel Babel Syariah KC Palembang. Undergraduate Thesis thesis, UIN Raden Fatah Palembang.

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Abstract

ABSTRAK Penelitian ini bertujuan untuk mengkaji implementasi fitur pembayaran tagihan dan transfer antar rekeing syariah melalui aplikasi BSB Mobile di Bank Sumsel Babel Syariah Kantor Cabang Palembang, serta dampaknya terhadap efisiensi operasional. Studi ini menggunakan pendekatan kualitatif dengan metode deskriptif, dengan data yang diperoleh melalui wawancara, observasi dan dokumentasi. Hasil penelitian mengindikasikan bahwa implementasi fitur pembayaran tagihan dan transfer antar rekening syariah pada BSB Mobile memberikan kontribusi signifikan terhadap peningkatan efisiensi operasional. Nasabah dapat melakukan transaksi secara lebih cepat, mudah, dan fleksibel tanpa harus mengunjungi kantor cabang, sehingga mengurangi beban kerja pegawai bank. Kendala teknis, seperti bug aplikasi dan gangguan jaringan, serta kurangnya pemahaman nasabah terhadap fitur digital, menjadi tantangan utama dalam optimalisasi layanan ini. Studi ini merekomendasikan peningkatan fitur teknis aplikasi, edukasi kepada nasabah, dan penguatan sistem keamanan untuk mendorong adopsi yang lebih luas. Dengan demikian, BSB Mobile diharapkan mampu meningkatkan kepuasan nasabah sekaligus mendukung transformasi digital Bank Sumsel Babel Syariah. Kata kunci: BSB Mobile, pembayaran tagihan, transfer antar rekening, efisiensi operasional. ABSTRACT This study aims to analyze the implementation of bill payment and inter-Islamic account transfer features through the BSB Mobile application at Bank Sumsel Babel Syariah Palembang Branch Office and its impact on operational efficiency. This qualitative research employs a descriptive method, gathering data through interviews, observations, and documentation. The findings indicate that the implementation of bill payment and inter-Islamic account transfer features on BSB Mobile significantly enhances operational efficiency. Customers can perform transactions more quickly, easily, and flexibly without visiting branch offices, thereby reducing the workload of bank employees. However, technical issues such as application bugs and network disruptions, along with customers' limited understanding of digital features, pose major challenges to service optimization. The study recommends improving the application’s technical features, educating customers, and strengthening security systems to promote broader adoption. Consequently, BSB Mobile is expected to enhance customer satisfaction while supporting Bank Sumsel Babel Syariah’s digital transformation. Keywords: BSB Mobile, bill payment, inter-account transfer, operational efficiency.

Item Type:	Thesis (Undergraduate Thesis)
Uncontrolled Keywords:	Kata kunci: BSB Mobile, pembayaran tagihan, transfer antar rekening, efisiensi operasional. Keywords: BSB Mobile, bill payment, inter-account transfer, operational efficiency.
Subjects:	Ekonomi dan Bisnis Islam > Perbankan Syariah
Divisions:	Fakultas Ekonomi dan Bisnis Islam > 61206 - Perbankan Syariah (S1)
Depositing User:	Hilaliyah 2110603020
Date Deposited:	02 Jun 2025 08:21
Last Modified:	02 Jun 2025 08:21
URI:	http://repository.radenfatah.ac.id/id/eprint/46880

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