Inovasi Produk Perbankan Syariah dalam Meningkatkan Daya Saing di Era Digital
DOI:
https://doi.org/10.38035/jemsi.v8i1.9957Keywords:
Perbankan Syariah, Inovasi Produk, Kepercayaan Nasabah, Kepuasan Nasabah, Era DigitalAbstract
Perbankan syariah menghadapi tuntutan untuk menyesuaikan produk dan layanan dengan perkembangan digital sekaligus mempertahankan kepercayaan nasabah dan kepatuhan terhadap prinsip syariah. Penelitian terdahulu telah membahas kepercayaan, layanan digital, dan inovasi produk, tetapi kajian empiris yang menguji keterkaitan kepercayaan dan inovasi produk secara bersama-sama dengan kepuasan nasabah masih terbatas. Penelitian ini bertujuan menganalisis pengaruh kepercayaan dan inovasi produk terhadap kepuasan nasabah pada perbankan syariah. Penelitian menggunakan pendekatan kuantitatif dengan desain survei terhadap 100 responden. Data dianalisis melalui statistik deskriptif, uji validitas dan reliabilitas, analisis korelasi, serta regresi linear berganda. Hasil penelitian menunjukkan bahwa kepercayaan berpengaruh positif dan signifikan terhadap kepuasan nasabah dengan koefisien regresi 0,413 (p < 0,001), sedangkan inovasi produk berpengaruh positif dan signifikan dengan koefisien 0,470 (p < 0,001). Kedua variabel secara bersama-sama menjelaskan 38,1% variasi kepuasan nasabah. Kebaruan penelitian terletak pada pengujian empiris kepercayaan dan inovasi produk secara simultan dalam menjelaskan kepuasan nasabah pada perbankan syariah di era digital.
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