ANALISIS PENGGUNAAN TEKNOLOGI APLIKASI BYOND MOBILE BANKING BSI PADA PEDAGANG KELONTONG DI PASAR ANGSO DUO

Abstrak

Penelitian ini bertujuan untuk menganalisis pemanfaatan aplikasi BYOND Mobile Banking Bank Syariah Indonesia (BSI) oleh pedagang kelontong di Pasar Angso Duo, Kota Jambi. Perkembangan teknologi perbankan digital mendorong pelaku usaha mikro untuk beradaptasi dalam pengelolaan transaksi keuangan secara efektif dan efisien. Namun, pemanfaatan layanan perbankan digital di kalangan pedagang tradisional masih terbatas sehingga perlu dikaji secara mendalam. Penelitian ini menggunakan metode kualitatif deskriptif dengan melibatkan 35 informan yang dipilih secara purposive, yaitu pedagang kelontong pengguna layanan perbankan BSI. Pengumpulan data dilakukan melalui wawancara mendalam, observasi, dan dokumentasi. Keabsahan data diuji melalui triangulasi sumber, teknik, dan waktu guna memastikan validitas dan keandalan data penelitian. Pendekatan kualitatif digunakan untuk memahami pengalaman, persepsi, serta praktik pedagang dalam memanfaatkan teknologi perbankan digital. Hasil penelitian menunjukkan bahwa tingkat pemanfaatan aplikasi BYOND Mobile Banking BSI oleh pedagang kelontong di Pasar Angso Duo masih tergolong rendah. Sebagian besar pedagang hanya menggunakan fitur dasar, seperti pengecekan saldo dan transfer dana, sedangkan fitur lanjutan, seperti penggunaan QRIS dan pencatatan transaksi, belum dimanfaatkan secara optimal. Rendahnya pemanfaatan tersebut dipengaruhi oleh keterbatasan literasi digital, kurangnya sosialisasi dan edukasi dari pihak bank, serta kekhawatiran pedagang terhadap keamanan transaksi digital. Penelitian ini menegaskan pentingnya peningkatan edukasi digital, sosialisasi, dan pendampingan berkelanjutan dari pihak Bank Syariah Indonesia. Optimalisasi pemanfaatan BYOND Mobile Banking diharapkan dapat meningkatkan efisiensi transaksi, transparansi pengelolaan keuangan, memperluas inklusi keuangan syariah, serta mendukung keberlanjutan ekonomi mikro di Pasar Angso Duo secara berkelanjutan di lingkungan pasar tradisional dan inklusif syariah.

This study aims to analyze the utilization of the BYOND Mobile Banking application of Bank Syariah Indonesia (BSI) by grocery traders at Pasar Angso Duo, Jambi City. The development of digital banking technology encourages micro-enterprises to adapt in managing financial transactions more effectively and efficiently. However, the use of digital banking services among traditional traders remains limited and therefore requires in-depth examination. This study employs a descriptive qualitative method involving 35 informants selected through purposive sampling, namely grocery traders who use BSI banking services. Data were collected through in-depth interviews, observation, and documentation. Data validity was ensured through triangulation of sources, techniques, and time to maintain the reliability and credibility of the findings. The qualitative approach was applied to understand traders’ experiences, perceptions, and practices in utilizing digital banking technology. The results indicate that the level of utilization of the BYOND Mobile Banking application among grocery traders at Pasar Angso Duo remains relatively low. Most traders only use basic features such as balance inquiries and fund transfers, while advanced features, including QRIS payments and transaction recording, have not been optimally utilized. This low level of utilization is influenced by limited digital literacy, insufficient socialization and education from the bank, and traders’ concerns regarding digital transaction security. This study emphasizes the importance of enhancing digital education, socialization, and continuous assistance from Bank Syariah Indonesia. Optimizing the use of BYOND Mobile Banking is expected to improve transaction efficiency, financial transparency, expand Islamic financial inclusion, and support sustainable microeconomic development in Pasar Angso Duo within a traditional market environment that is inclusive and aligned with sharia principles.