ANALISIS PENGGUNAAN TEKNOLOGI MOBILE BANKING BANK BCA SEBAGAI METODE PEMBAYARAN DIGITAL PADA LAYANAN TRANSAKSI UMKM TOKO DAGING KAMBING PASAR KEMIRI DEPOK
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Abstract
Perkembangan teknologi digital telah mendorong perubahan sistem pembayaran pada sektor Usaha Mikro, Kecil, dan Menengah (UMKM), salah satunya melalui penggunaan Mobile Banking Bank BCA sebagai metode pembayaran digital. Penelitian ini bertujuan untuk menganalisis penerapan Mobile Banking BCA pada UMKM Toko Daging Kambing Pasar Kemiri Depok serta dampaknya terhadap kemudahan transaksi, keamanan, dan kepuasan pelanggan. Penelitian menggunakan metode kualitatif deskriptif dengan teknik pengumpulan data berupa observasi, wawancara, studi literatur, dan dokumentasi. Hasil penelitian menunjukkan bahwa penggunaan Mobile Banking BCA mampu mempercepat proses pembayaran, meningkatkan efisiensi transaksi, mengurangi ketergantungan terhadap uang tunai, serta membantu pencatatan keuangan secara lebih akurat. Meskipun demikian, implementasinya masih menghadapi kendala berupa rendahnya literasi digital sebagian pelanggan, keterbatasan jaringan internet, dan masih adanya kekhawatiran terhadap keamanan transaksi digital. Secara keseluruhan, Mobile Banking BCA memberikan kontribusi positif dalam mendukung transformasi digital UMKM serta meningkatkan kualitas pelayanan kepada pelanggan.
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