DAMPAK SHORT MESSAGE SERVICE BANKING DAN MOBILE BANKING TERHADAP PERTUMBUHAN TABUNGAN PADA BANK NEGARA INDONESIA CABANG MATTOANGIN
This research aim to anlaysis the effect of SMS banking and mobile banking toward the saving growth on BNI Branch Mattoangin and anlaysis the dominant effect toward the saving growth on BNI Branch Mattoangin. This type of research is quantitative designed to answer the problem that have been formulated and the objectives to be achieved and test the hypothesis. The sample size was chosen as amount 90 respondent from the purposive sampling technique. Data analysis used descriptive analysis and multiple linier regression analysis. The result of the study found that the SMS banking have positive and significant toward the saving growths. SMS banking as the innovative service which to access from the celular phone and internet by customer to transaction. The more frequent customers make transactions through SMS banking, the more they contribute to savings growth on BNI Branch Mattoangin. Mobile banking has a positive and significant effect toward the saving growth on BNI Branch Mattoangin. Mobile banking as an innovation service from internet banking that enables individual customers to use banking transactions through smartphone, makes customer take the decision to use mobile banking because it is practiceal and efficient in its use. SMS banking which dominant has a positive and significant effect toward the saving growth on BNI Branch Mattoangin. SMS is the dominant choice for customers because this service to be easy of customer in transaction such as the check of bill, transfer, bill mutation and service promotion which contribution toward the development of saving volume which increased the profitability by BNI Branch Mattoangin.