User Experience Analysis of Mobile Banking Applications in Indonesia Using Usability Testing and the User Experience Questionnaire (UEQ): A Case Study of Bank Syariah Indonesia

Authors

  • Cherina Pancha Resyita
  • Najma Nur Maulida
  • Sucik Lestari

Keywords:

user experience, usability testing, mobile banking applications

Abstract

This study aims to explore user experiences in utilizing mobile banking applications in Indonesia through usability testing and the User Experience Questionnaire (UEQ). The rapid growth of mobile banking technology necessitates a focused approach to understanding user experiences to ensure applications are both efficient and satisfying to use. Usability testing is employed to evaluate how well mobile banking applications meet user needs and expectations. Users perform a series of tasks designed to cover the core features of the application, while researchers observe and record responses, difficulties, and the time required to complete each task. The results of the usability testing provide detailed insights into specific issues encountered by users when interacting with mobile banking applications. These findings offer an in-depth perspective on the strengths and weaknesses of existing mobile banking applications in Indonesia. This information can guide application developers in implementing necessary improvements and enhancements, ensuring that users have a more satisfying and efficient experience when using mobile banking services. Furthermore, this study contributes to raising awareness and understanding of user-centered development practices in mobile banking application design in Indonesia.

References

Ali, Q., Parveen, S., Aspiranti, T., Nurhayati, N., & Rusgianto, S. (2024). Barriers to the adoption of Islamic banking: a bibliometric analysis. International Journal of Ethics and Systems, 40(3), 628–650. https://doi.org/10.1108/IJOES-01-2023-0001

Alshamari, M. A., & Althobaiti, M. M. (2024). Usability Evaluation of Wearable Smartwatches Using Customized Heuristics and System Usability Scale Score. Future Internet, 16(6). https://doi.org/10.3390/fi16060204

Chen, M., He, S., & Fu, X. (2024). A Case Study Exploring the Applicability of Heuristic Evaluation in Smart Home Systems. Conference on Human Factors in Computing Systems - Proceedings. https://doi.org/10.1145/3613905.3637131

Diwani, A. H. A., Hussein, J. M., & Ibrahim, A. A. (2024). Assessing the Effect of Mobile Banking Adoption on Customer Contentment in Handpicked Commercial Banks in Mogadishu Somalia. Pakistan Journal of Life and Social Sciences, 22(1), 6748–6753. https://doi.org/10.57239/PJLSS-2024-22.1.00491

Elbadrawy, R., & Aziz, R. A. (2012). Mobile banking contexts and prospects in Egypt: A framework. 2012 International Conference for Internet Technology and Secured Transactions, ICITST 2012, 766–771. https://www.scopus.com/inward/record.uri?eid=2-s2.0-84876190615&partnerID=40&md5=e92b6747742221c965083f355ec1243c

Hamidi, H., & Mohammadi, M. (2024). A Model for Analysis of Social Media in Adoption of Mobile Banking. International Journal of Engineering, Transactions A: Basics, 37(7), 1384–1394. https://doi.org/10.5829/ije.2024.37.07a.16

Hardi, A. B., Simorangkir, E., Hutagaol, I., & Saputra, W. J. W. (2023). User Experience Analysis on Mobile Banking Applications with System Usability Scale and Usability Testing. 2023 IEEE 9th International Conference on Computing, Engineering and Design, ICCED 2023. https://doi.org/10.1109/ICCED60214.2023.10424703

Mgiba, F. M., & Shukla, S. (2024). Invasiveness, privacy concerns and mobile banking services technology adoption by millennials: Emerging economy perspective. South African Journal of Business Management, 55(1). https://doi.org/10.4102/sajbm.v55i1.4174

Ooi, K.-B., & Tan, G. W.-H. (2016). Mobile technology acceptance model: An investigation using mobile users to explore smartphone credit card. Expert Systems with Applications, 59, 33–46. https://doi.org/10.1016/j.eswa.2016.04.015

Qatawneh, A. M., & Makhlouf, M. H. (2023). Influence of smart mobile banking services on senior banks’ clients intention to use: moderating role of digital accounting. Global Knowledge, Memory and Communication. https://doi.org/10.1108/GKMC-01-2023-0018

Rohmiyati, Y., Wook, T. S. M. T., Sahari, N., Hanawi, S. A., & Abadi, S. (2024). Enhancing Accessibility: A Heuristic Evaluation of Social Presence Interface Design for E-Resources in University Libraries. TEM Journal, 13(3), 2025–2035. https://doi.org/10.18421/TEM133-30

Sandhiyasa, I. M. S., Gunadi, I. G. A., & Indrawan, G. (2022). The Evaluation of the Academic Progress Information System SIsKA-NG Mobile Based on Heuristic and User Experience. International Journal of Modern Education and Computer Science, 14(2), 55–64. https://doi.org/10.5815/ijmecs.2022.02.05

Statista. (2023). Mobile banking adoption in Indonesia. https://www.statista.com/statistics/1448429/mobile-payments-adoption-in-pos-in-indonesia/

Suganya, R. V, & Vetrivel, M. (2024). Market drivers for banking transformation. In Banktech 4.0: The Next Wave of Transformative Banking (pp. 97–108). https://www.scopus.com/inward/record.uri?eid=2-s2.0-85199845158&partnerID=40&md5=633fbfaeef15f98da1320e781e206bd6

Talero-Sarmiento, L., Gonzalez-Capdevila, M., Granollers, A., Lamos-Diaz, H., & Pistili-Rodrigues, K. (2024). Towards a Refined Heuristic Evaluation: Incorporating Hierarchical Analysis for Weighted Usability Assessment. Big Data and Cognitive Computing, 8(6). https://doi.org/10.3390/bdcc8060069

Tomasi, M., & Ilankadhir, M. (2024). Mobile Banking Adoption: A Closer Look at the Role of Online Convenience Dimensions. International Journal of Business Science and Applied Management, 19(1), 47–58. https://www.scopus.com/inward/record.uri?eid=2-s2.0-85192162339&partnerID=40&md5=754cfcc95c6d5453f75c460abd1fafe9

Triana, Y., & Zulaiha, D. (2022). Possible features of learning management system to improve writing skill. Journal of Islamic Studies and Education (JISE), 01(01), 19–22.

Widharto, P., Pandesenda, A. I., Yahya, A. N., Sukma, E. A., Shihab, M. R., & Ranti, B. (2020). Digital Transformation of Indonesia Banking Institution: Case Study of PT. BRI Syariah. 2020 International Conference on Information Technology Systems and Innovation (ICITSI), 44–50. https://doi.org/10.1109/ICITSI50517.2020.9264935

Zulaiha, D., & Triana, Y. (2021). A Hermeneutical Study of Using Mobile Phone in 4.0 in Writing Skills. ELE Reviews: English Language Education Reviews, 1(1), 54–60. https://doi.org/10.22515/ele-reviews.v1i1.3588

Downloads

Published

2024-02-29

How to Cite

Cherina Pancha Resyita, Najma Nur Maulida, & Sucik Lestari. (2024). User Experience Analysis of Mobile Banking Applications in Indonesia Using Usability Testing and the User Experience Questionnaire (UEQ): A Case Study of Bank Syariah Indonesia. Journal of Islamic Studies and Education, 3(1), 13–22. Retrieved from https://journal.presscience.org/index.php/jise/article/view/37