Main Article Content
Abstract
Purpose: This study aims to determine the relationship between service quality and trust in customer satisfaction of Livin Mandiri users in Jayapura City.
Research Design and Methodology: This research methodology uses a quantitative approach. Customers were distributed questionnaires, and the collected data was analyzed using statistical techniques.
Findings and Discussion: The research findings show that the main components of service quality—reliability, responsiveness, assurance, empathy, and physical evidence—and elements of trust, such as honesty, credibility, and reliability, significantly affect customer satisfaction. Good service quality creates a solid basis for building confidence, while high trust strengthens customers' perceptions of service quality.
Implications: This study's practical implications are that digital banking companies must holistically integrate service quality improvement and trust-building strategies to increase customer satisfaction and loyalty. This research contributes to science by offering a comprehensive framework for analyzing customer satisfaction and demonstrating originality in ana integrated service quality and trust approach.
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This work is licensed under a Creative Commons Attribution 4.0 International License.
References
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- Anam, M. Y. (2023). Enhancing cybersecurity in Bank Syariah Indonesia. Maliki Interdisciplinary Journal, 1(5), 154–160.
- Astriyanti, N. L. D., Giantari, I. G. A. K., Rastini, N. M., & Wardana, I. M. (2023). Kepuasan Nasabah Pada Lembaga Keuangan Non Bank: Lembaga Perkreditan Desa. CV. Intelektual Manifes Media.
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- Dam, S. M., & Dam, T. C. (2021). Relationships between service quality, brand image, customer satisfaction, and customer loyalty. The Journal of Asian Finance, Economics and Business, 8(3), 585–593. https://doi.org/10.13106/jafeb.2021.vol8.no3.0585
- Dea, S. (2022). PENGARUH PENERAPAN ETIKA BISNIS ISLAM TERHADAP KEPUASAN KONSUMEN (Studi Pada Camera Station di Bandar Lampung). UIN RADEN INTAN LAMPUNG. http://repository.radenintan.ac.id/id/eprint/18036
- Duc, P. M. (2022). CUSTOMER SATISFACTION IN DIGITAL BANKING SECTOR IN VIETNAM : A META-CASE APPROACH. 24(3), 819–836. https://doi.org/10.36390/telos243.22
- Fatmawati, W. N. (2021). Analisis Strategi Pelayanan Prima Dalam Complain Handling Sebagai Upaya Meningkatkan Kepuasan Nasabah (Studi Kasus Pada Bank Muamalat Kcp Madiun). IAIN Ponorogo. http://etheses.iainponorogo.ac.id/id/eprint/13043
- Febriend, S. D., & Qastharin, A. R. (2024). The Impact of Service Quality and Electronic Service Quality on Customer Satisfaction and Customer Loyalty: A Study on The Customers of Bank Central Asia. Mandalika Journal of Business and Management Studies, 3(1), 167–188. https://doi.org/10.59613/mjbms.v3i1.135
- Fernandes, T., & Pinto, T. (2019). Relationship quality determinants and outcomes in retail banking services: The role of customer experience. Journal of Retailing and Consumer Services, 50, 30–41. https://doi.org/10.1016/j.jretconser.2019.01.018
- Garbo, A. G. (2024). Optimasi Pelayanan Nasabah Bank Syariah Indonesia Melalui Penggunaan Kecerdasan Buatan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(2). https://doi.org/10.30651/jms.v9i2.22128
- Hadid, K. I., Soon, N. K., & Amreeghah, A. A. E. (2020). The Effect of Digital Banking Service Quality on Customer Satisfaction: A Case Study on the Malaysian Banks. Asian Journal of Applied Science and Technology, 04(01), 06–29. https://doi.org/10.38177/ajast.2020.4102
- Ibe-enwo, G., Igbudu, N., & Garanti, Z. (2019). Assessing the Relevance of Green Banking Practice on Bank Loyalty : The Mediating Effect of Green Image and Bank Trust. https://doi.org/10.3390/su11174651
- Khan, R. U., Salamzadeh, Y., Iqbal, Q., & Yang, S. (2022). The Impact of Customer Relationship Management and Company Reputation on Customer Loyalty: The Mediating Role of Customer Satisfaction. Journal of Relationship Marketing, 21(1), 1–26. https://doi.org/10.1080/15332667.2020.1840904
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- Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An integrative model of organizational trust. Academy of Management Review, 20(3), 709–734. https://doi.org/10.5465/amr.1995.9508080335
- Mirella, N. N. R., Nurlela, R., Erviana, H., & Farrel, M. H. (2022). Faktor Yang Mempengaruhi: Kepuasan Pelanggan Dan Minat Pembelian: Kualitas Produk, Dan Persepsi Harga (Literatur Review Manajemen Pemasaran). Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 3(1), 350–363. https://doi.org/10.38035/jmpis.v3i1.880
- Ngamal, Y., & Perajaka, M. A. (2022). Penerapan Model Manajemen Risiko Teknologi Digital Di Lembaga Perbankan Berkaca Pada Cetak Biru Transformasi Digital Perbankan Indonesia. Jurnal Manajemen Risiko, 2(2), 59–74. https://doi.org/10.33541/mr.v2iIV.4099
- Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1988). Servqual: A multiple-item scale for measuring consumer perc. Journal of Retailing, 64(1), 12. https://www.proquest.com/openview/7d007e04d78261295e5524f15bef6837/1?pq-origsite=gscholar&cbl=41988
- Pramesworo, S., Yustisia, N., & Evi, T. (2024). Transformasi Usaha Mikro Kecil dan Menengah: Menuju Bisnis Kreatif dan Inovatif. Jurnal Abdimas Perbanas, 5(1), 8–20. https://doi.org/10.56174/jap.v5i1.571
- Purwati, A. A., & Hamzah, Z. (2019). Pengaruh Kualitas Pelayanan terhadap Kepuasan Nasabah Perbankan Syariah. Journal of Economic, Bussines and Accounting (COSTING), 3(1), 98–105. https://doi.org/10.31539/costing.v3i1.846
- Putri, O. E. (2024). Peran Badan Pengelola Wakaf dalam Manajemen Aset Wakaf Produktif Berdasarkan Waqf Core Principles (Studi pada Perguruan Islam Ar Risalah Padang). Universitas Islam Indonesia. https://dspace.uii.ac.id/handle/123456789/dspace.uii.ac.id/123456789/49225
- Rahayu, S., & Harsono, M. (2023). Loyalitas Konsumen: Konseptualisasi, Anteseden dan Konsekuensi. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 6(2), 1581–1594. https://doi.org/10.36778/jesya.v6i2.1196
- Ratiwi, R., Anggriani, R. A., Mawati, W. A., & Hasan, Z. (2024). PENGARUH KEPERCAYAAN KONSUMEN DAN TRANSPARANSI TRANSAKSI DALAM JUAL BELI SYARIAH TERHADAP KEPUASAN PELANGGAN. Musytari: Neraca Manajemen, Akuntansi, Dan Ekonomi, 5(9), 137–147. https://doi.org/10.8734/musytari.v5i9.3606
- Samudro, A., Sumarwan, U., Simanjuntak, M., & Yusuf, E. (2020). Assessing the effects of perceived quality and perceived value on customer satisfaction. Management Science Letters, 10(5), 1077–1084. https://doi.org/10.5267/j.msl.2019.11.001
- Saputri, N. D. (2018). Pengaruh Relationship Marketing Terhadap Kepuasan Dan Dampak Loyalitas Nasabah(Studi pada Bank BRISyariah Kantor Cabang Kedaton Bandar Lampung). UIN Raden Intan Lampung. http://repository.radenintan.ac.id/id/eprint/4949
- Simatupang, S., Sinaga, O. S., Manurung, S., Ambarita, M. H., & Mokodongan, E. N. (2024). BANK DIGITAL DAN KEPERCAYAAN KONSUMEN. Jurnal Ilmiah Satyagraha, 7(2), 156–164. https://doi.org/10.47532/jis.v7i2.1090
- Singh, S. (2019). Measuring E-service quality and customer satisfaction with internet banking in India. Theoretical Economics Letters, 9(2), 308–326. https://doi.org/10.4236/tel.2019.92023
- Suhma, P. N., & Milla, H. (2024). Studi Komparatif Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah (Bank Muamalat Indonesia Cabang Probolinggo dan BSI KCP Probolinggo Sudirman). Journal of Islamic Contemporary Accounting and Business, 2(1), 73–89. https://doi.org/10.30993/jicab.v2i1.326
- Susanto, S. A., Manek, M. V., Setiawan, R. A., & Mustikasari, F. (2023). Customer Experience in Digital Banking: The Influence of Convenience, Security, and Usefulness on Customer Satisfaction and Customer Loyalty in Indonesia. Devotion: Journal of Research and Community Service, 4(8), 1671–1685. https://doi.org/10.59188/devotion.v4i8.544
References
Amin, N. H. M., Lanonci, L. A., & Ningsih, K. (2024). Pengaruh Kualitas Pelayanan Terhadap Kepuasan Konsumen Laundry Center Di Kelurahan Siranindi Kecamatan Palu Barat. AL-MASHADIR: Jurnal Ilmu Hukum Dan Ekonomi Islam, 6(1), 28–36. https://doi.org/10.31970/almashadir.v6i1.178
Anam, M. Y. (2023). Enhancing cybersecurity in Bank Syariah Indonesia. Maliki Interdisciplinary Journal, 1(5), 154–160.
Astriyanti, N. L. D., Giantari, I. G. A. K., Rastini, N. M., & Wardana, I. M. (2023). Kepuasan Nasabah Pada Lembaga Keuangan Non Bank: Lembaga Perkreditan Desa. CV. Intelektual Manifes Media.
Ayuningtyas, K. A. (2021). Pengaruh Kualitas Pelayanan dan Kepercayaan Terhadap Kepuasan Nasabah (Studi Pada Bank Mandiri Cabang Alam Sutera Tangerang). Jurnal Manajemen, 11(1), 63–76. https://doi.org/10.30656/jm.v11i1.3032
Bolton, R. N., McColl-Kennedy, J. R., Cheung, L., Gallan, A., Orsingher, C., Witell, L., & Zaki, M. (2018). Customer experience challenges: bringing together digital, physical and social realms. Journal of Service Management, 29(5), 776–808. https://doi.org/10.1108/JOSM-04-2018-0113
Dam, S. M., & Dam, T. C. (2021). Relationships between service quality, brand image, customer satisfaction, and customer loyalty. The Journal of Asian Finance, Economics and Business, 8(3), 585–593. https://doi.org/10.13106/jafeb.2021.vol8.no3.0585
Dea, S. (2022). PENGARUH PENERAPAN ETIKA BISNIS ISLAM TERHADAP KEPUASAN KONSUMEN (Studi Pada Camera Station di Bandar Lampung). UIN RADEN INTAN LAMPUNG. http://repository.radenintan.ac.id/id/eprint/18036
Duc, P. M. (2022). CUSTOMER SATISFACTION IN DIGITAL BANKING SECTOR IN VIETNAM : A META-CASE APPROACH. 24(3), 819–836. https://doi.org/10.36390/telos243.22
Fatmawati, W. N. (2021). Analisis Strategi Pelayanan Prima Dalam Complain Handling Sebagai Upaya Meningkatkan Kepuasan Nasabah (Studi Kasus Pada Bank Muamalat Kcp Madiun). IAIN Ponorogo. http://etheses.iainponorogo.ac.id/id/eprint/13043
Febriend, S. D., & Qastharin, A. R. (2024). The Impact of Service Quality and Electronic Service Quality on Customer Satisfaction and Customer Loyalty: A Study on The Customers of Bank Central Asia. Mandalika Journal of Business and Management Studies, 3(1), 167–188. https://doi.org/10.59613/mjbms.v3i1.135
Fernandes, T., & Pinto, T. (2019). Relationship quality determinants and outcomes in retail banking services: The role of customer experience. Journal of Retailing and Consumer Services, 50, 30–41. https://doi.org/10.1016/j.jretconser.2019.01.018
Garbo, A. G. (2024). Optimasi Pelayanan Nasabah Bank Syariah Indonesia Melalui Penggunaan Kecerdasan Buatan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(2). https://doi.org/10.30651/jms.v9i2.22128
Hadid, K. I., Soon, N. K., & Amreeghah, A. A. E. (2020). The Effect of Digital Banking Service Quality on Customer Satisfaction: A Case Study on the Malaysian Banks. Asian Journal of Applied Science and Technology, 04(01), 06–29. https://doi.org/10.38177/ajast.2020.4102
Ibe-enwo, G., Igbudu, N., & Garanti, Z. (2019). Assessing the Relevance of Green Banking Practice on Bank Loyalty : The Mediating Effect of Green Image and Bank Trust. https://doi.org/10.3390/su11174651
Khan, R. U., Salamzadeh, Y., Iqbal, Q., & Yang, S. (2022). The Impact of Customer Relationship Management and Company Reputation on Customer Loyalty: The Mediating Role of Customer Satisfaction. Journal of Relationship Marketing, 21(1), 1–26. https://doi.org/10.1080/15332667.2020.1840904
Lee, G., & Lin, H. (2005). Customer perceptions of e‐service quality in online shopping. International Journal of Retail & Distribution Management, 33(2), 161–176. https://www.emerald.com/insight/content/doi/10.1108/09590550510581485/full/full/html
Li, F., Lu, H., Hou, M., Cui, K., & Darbandi, M. (2021). Customer satisfaction with bank services: The role of cloud services, security, e-learning and service quality. Technology in Society, 64, 101487. https://doi.org/10.1016/j.techsoc.2020.101487
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An integrative model of organizational trust. Academy of Management Review, 20(3), 709–734. https://doi.org/10.5465/amr.1995.9508080335
Mirella, N. N. R., Nurlela, R., Erviana, H., & Farrel, M. H. (2022). Faktor Yang Mempengaruhi: Kepuasan Pelanggan Dan Minat Pembelian: Kualitas Produk, Dan Persepsi Harga (Literatur Review Manajemen Pemasaran). Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 3(1), 350–363. https://doi.org/10.38035/jmpis.v3i1.880
Ngamal, Y., & Perajaka, M. A. (2022). Penerapan Model Manajemen Risiko Teknologi Digital Di Lembaga Perbankan Berkaca Pada Cetak Biru Transformasi Digital Perbankan Indonesia. Jurnal Manajemen Risiko, 2(2), 59–74. https://doi.org/10.33541/mr.v2iIV.4099
Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1988). Servqual: A multiple-item scale for measuring consumer perc. Journal of Retailing, 64(1), 12. https://www.proquest.com/openview/7d007e04d78261295e5524f15bef6837/1?pq-origsite=gscholar&cbl=41988
Pramesworo, S., Yustisia, N., & Evi, T. (2024). Transformasi Usaha Mikro Kecil dan Menengah: Menuju Bisnis Kreatif dan Inovatif. Jurnal Abdimas Perbanas, 5(1), 8–20. https://doi.org/10.56174/jap.v5i1.571
Purwati, A. A., & Hamzah, Z. (2019). Pengaruh Kualitas Pelayanan terhadap Kepuasan Nasabah Perbankan Syariah. Journal of Economic, Bussines and Accounting (COSTING), 3(1), 98–105. https://doi.org/10.31539/costing.v3i1.846
Putri, O. E. (2024). Peran Badan Pengelola Wakaf dalam Manajemen Aset Wakaf Produktif Berdasarkan Waqf Core Principles (Studi pada Perguruan Islam Ar Risalah Padang). Universitas Islam Indonesia. https://dspace.uii.ac.id/handle/123456789/dspace.uii.ac.id/123456789/49225
Rahayu, S., & Harsono, M. (2023). Loyalitas Konsumen: Konseptualisasi, Anteseden dan Konsekuensi. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 6(2), 1581–1594. https://doi.org/10.36778/jesya.v6i2.1196
Ratiwi, R., Anggriani, R. A., Mawati, W. A., & Hasan, Z. (2024). PENGARUH KEPERCAYAAN KONSUMEN DAN TRANSPARANSI TRANSAKSI DALAM JUAL BELI SYARIAH TERHADAP KEPUASAN PELANGGAN. Musytari: Neraca Manajemen, Akuntansi, Dan Ekonomi, 5(9), 137–147. https://doi.org/10.8734/musytari.v5i9.3606
Samudro, A., Sumarwan, U., Simanjuntak, M., & Yusuf, E. (2020). Assessing the effects of perceived quality and perceived value on customer satisfaction. Management Science Letters, 10(5), 1077–1084. https://doi.org/10.5267/j.msl.2019.11.001
Saputri, N. D. (2018). Pengaruh Relationship Marketing Terhadap Kepuasan Dan Dampak Loyalitas Nasabah(Studi pada Bank BRISyariah Kantor Cabang Kedaton Bandar Lampung). UIN Raden Intan Lampung. http://repository.radenintan.ac.id/id/eprint/4949
Simatupang, S., Sinaga, O. S., Manurung, S., Ambarita, M. H., & Mokodongan, E. N. (2024). BANK DIGITAL DAN KEPERCAYAAN KONSUMEN. Jurnal Ilmiah Satyagraha, 7(2), 156–164. https://doi.org/10.47532/jis.v7i2.1090
Singh, S. (2019). Measuring E-service quality and customer satisfaction with internet banking in India. Theoretical Economics Letters, 9(2), 308–326. https://doi.org/10.4236/tel.2019.92023
Suhma, P. N., & Milla, H. (2024). Studi Komparatif Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah (Bank Muamalat Indonesia Cabang Probolinggo dan BSI KCP Probolinggo Sudirman). Journal of Islamic Contemporary Accounting and Business, 2(1), 73–89. https://doi.org/10.30993/jicab.v2i1.326
Susanto, S. A., Manek, M. V., Setiawan, R. A., & Mustikasari, F. (2023). Customer Experience in Digital Banking: The Influence of Convenience, Security, and Usefulness on Customer Satisfaction and Customer Loyalty in Indonesia. Devotion: Journal of Research and Community Service, 4(8), 1671–1685. https://doi.org/10.59188/devotion.v4i8.544