E-Service Quality at Livin' by Mandiri Users: The Mediating Role of E-Customer Satifaction on E-Customer Loyalty
Abstract
Currently, the banking world is competing fiercely to provide the best service to customers, especially in the realm of Mobile Banking. The purpose of this study was to determine the effect of e-service quality on e-customer loyalty through e-customer satisfaction as a mediating variable in m-banking users, especially livin' by Mandiri users. This study uses quantitative research methods with sampling techniques using a purposive sampling approach; the samples taken in this research were 400 respondents of livin’ by mandiri users. The data obtained will be processed through Microsoft Excel, and then continued data analysis using Smart-PLS.The results of this study show that e-service quality affects Livin'by Mandiri user e-customer satisfaction, e-service quality affects Livin' by Mandiri user e-customer loyalty, e-customer satisfaction affects Livin'by Mandiri user e-customer loyalty, and e-customer satisfaction mediates the relationship between e-service qualty and the e-customer loyalty of Livin'by Mandiri users.
Downloads
References
Akhmadi, M. D. D., & Martini, E. (2020). Jurnal Mitra Manajemen ( JMM Online ). 4(5), 708–720.
Alamsyah, L., & Safitri, F. (2024). The Influence of Service Quality, Promotions, and Ease of Use of BSI Mobile on the Interest of Generation Z Students at The Faculty of Sharia IKHAC Mojokerto. Danadyaksa: Post Modern Economy Journal, 1(2), 94–109. https://doi.org/10.69965/danadyaksa.v1i2.27
Berlianto, M. P. (2019). Identifying Antecedents and Consequences of Customer Satisfaction in the Full-Service Airline Industry. Jurnal Manajemen, 23(3), 496. https://doi.org/10.24912/jm.v23i3.586
Budiman, A., Yulianto, E., & Saifi, M. (2020). Pengaruh E-Service Quality Terhadap E-Satisfaction Dan E-Loyalty Nasabah Pengguna Mandiri Online [Influencia De La Calidad Del Servicio Electrónico En La Satisfacción Electrónica Y La Lealtad Electrónica De Los Usuarios En Línea De Mandiri]. Jurnal Profit|, 14(1), 1–11. https://doi.org/10.21776/ub.profit.2020.014.01.1
Farisal Abid, M. M., & Purbawati, D. (2020). Pengaruh E-Security dan E-Service Quality Terhadap E-Repurchase Intention Dengan E-Satisfaction Sebagai Variabel Intervening Pada Konsumen E-Commerce Lazada di Fisip Undip. Jurnal Ilmu Administrasi Bisnis, 9(1), 93–100. https://doi.org/10.14710/jiab.2020.26227
Fathi, S., Ranjbarian, B., & rezaei, zeinab. (2012). Factors Influencing on Customers’ E-Satisfaction: A case Study from Iran. 3, 1496–1511.
Harahap, W. R. (2021). Penerapan Strategi Promosi Perpustakaan. JIPI (Jurnal Ilmu Perpustakaan Dan Informasi), 6(1), 103. https://doi.org/10.30829/jipi.v6i1.9314
Hartono, M. E. M., & Setyaningrum, R. P. (2025). The Effect of Electronic Word of Mouth and Celebrity Endorsement on Customer Loyalty Through TikTok Application on Sasha Vitamin Products with Brand Image as a Mediation Variable in Mega Regency, Bekasi. Majapahit Journal of Islamic Finance and Management, 5(1), 569–598. https://doi.org/10.31538/mjifm.v5i1.394
Indrasari, A., Nadjmie, N., & Endri, E. (2022). Determinants of satisfaction and loyalty of e-banking users during the COVID-19 pandemic. International Journal of Data and Network Science, 6(2), 497–508. https://doi.org/10.5267/j.ijdns.2021.12.004
Ismulyaty, S., Nurmaini, & Roni, M. (2022). Pengaruh Kualitas Layanan Dan Kepuasan Pengguna Internet Banking Terhadap Loyalitas Nasabah Bank Syariah Indonesia (Bsi Kalirejo). NISBAH: Jurnal Perbanka Syariah, 8(1), 66–75. https://doi.org/10.30997/jn.v8i1.6117
Juwaini, A., Chidir, G., Novitasari, D., Iskandar, J., Hutagalung, D., Pramono, T., Maulana, A., Safitri, K., Fahlevi, M., Sulistyo, A. B., & Purwanto, A. (2022). The role of customer e-trust, customer e-service quality and customer e-satisfaction on customer e-loyalty. International Journal of Data and Network Science, 6(2), 477–486. https://doi.org/10.5267/j.ijdns.2021.12.006
Kewirausahaan, D. A. N., Medan, K., Sari, M., & Prayogi, M. A. (2020). Membangun Loyalitas Pelanggan Berbasis E-Service Quality Dengan Mediasi Kepuasan Pelanggan (Studi pada Transportasi Online Grab-Car di Kota Medan). Matrik : Jurnal Manajemen, Strategi Bisnis Dan Kewirausahaan, 14(2), 218–238.
Liani, A. M., & Yusuf, A. (2021). Pengaruh E-Trust terhadap E-Loyalty Dimediasi oleh E-Satisfaction pada Pengguna Dompet Digital Gopay. YUME : Journal of Management, 4(1), 138–149. https://doi.org/10.37531/yume.vxix.445
Lin, Y., Luo, J., Cai, S., Ma, S., & Rong, K. (2016). Exploring the service quality in the e-commerce context: A triadic view. Industrial Management and Data Systems, 116(3), 388–415. https://doi.org/10.1108/IMDS-04-2015-0116
Mariana, Y., & Aidil Fadli, J. (2022). Pengaruh E- Service Quality, E-Trust, E-Satisfaction Terhadap E-Loyalitas Nasabah Perbankan Indonesia. Jurnal Multidisiplin Indonesia, 1(1), 186–200. https://doi.org/10.58344/jmi.v1i1.21
Murhadi, W. R., Reski, E. C., Nurjanah, P., Ikhsan, N. El, Maskanah, A. N. A., Studi, P., Bisnis, M., Ekonomi, F., Bisnis, D. A. N., Islam, U., Raden, N., Said, M. A. S., Perkembangani, L. B., Shop, T., Tower, S., Hidayat, I., Askar, A., Zaitun, Z., Andika, A., … Badruzaman, J. (2022). Murhadi. Muslim Heritage, 2(2), 456–460. https://doi.org/10.32812/jibeka.v16i2.471
Nafiah, K. L., & Trihudiyatmanto, M. (2021). Nafiah & Trihudiyatmo (2021). Ekobis: Jurnal Ilmu Manajemen Dan Akuntansi, 9(1).
Novyantri, R., & Setiawardani, M. (2021). The Effect Of E-Service Quality On Customer Loyalty With Customer Satisfaction As A Mediation Variable On Dana’s Digital Wallet (Study On Dana Users) Pengaruh E-Service Quality Terhadap Loyalitas Pelanggan Dengan Kepuasan Pelanggan Sebagai Variabel Medias. International Journal Administration, Business and Organization (IJABO) |, 2(3), 49–58. https://ijabo.a3i.or.id
Parasuraman, A., Zeithaml, V. A., & Malhotra, A. (2005). E-S-QUAL a multiple-item scale for assessing electronic service quality. Journal of Service Research, 7(3), 213–233. https://doi.org/10.1177/1094670504271156
Pratama, R. A., Prasetyo, W. B., & Ramli, A. H. (2024). E-Service Quality, E-Trust, E-Satisfaction And E-Loyalty In Online Shopping. Jurnal Ilmiah Manajemen Kesatuan, 11(3). https://doi.org/10.37641/jimkes.v11i3.2313
Salehzadeh, R., Adelpanah, A., & Mirmehdi, S. M. (2023). Factors Influencing Electronic Brand Love and E-Loyalty. Journal of Information Technology Management, 15(2), 138–163. https://doi.org/10.22059/jitm.2022.326875.2853
Saputro, A. W. (2023). Pengaruh E-Service Quality Terhadap E-loyalty dengan Brand Image dan E-Satisfcation Sebagai Variabel Mediasi. Jurnal Ilmiah Manajemen Kesatuan, 11(2), 203–212. https://doi.org/10.37641/jimkes.v11i2.1750
Sasono, I., Jubaedi, A. D., Novitasari, D., Wiyono, N., Riyanto, R., Oktabrianto, O., Jainuri, J., & Waruwu, H. (2021). The Impact of E-Service Quality and Satisfaction on Customer Loyalty: Empirical Evidence from Internet Banking Users in Indonesia. Journal of Asian Finance, Economics and Business, 8(4), 465–473. https://doi.org/10.13106/jafeb.2021.vol8.no4.0465
Septiani, R., & Nurhadi. (2020). Peran Mediasi Kepuasan Pelanggan Pada Pengaruh E-Service Quality,. Jurnal Fokus, 10(2), 249–268.
Shankar, V., Smith, A. K., & Rangaswamy, A. (2003). Customer Satisfaction and Loyalty in Online and Offline Environments. E.Jurnal Internasional Penelitian Pemasaran.
Singh, N. N., Lancioni, G. E., Hwang, Y. S., Myers, R. E., Townshend, K., & Medvedev, O. N. (2023). Using Mindfulness to Improve Quality of Life in Caregivers of Individuals with Intellectual Disabilities and Autism Spectrum Disorder: Agency Outcomes for Caregivers and Clients. Advances in Neurodevelopmental Disorders, 7(4), 604–615. https://doi.org/10.1007/s41252-023-00353-2
Srinivasan, S. S., Anderson, R., & Ponnavolu, K. (2002). Customer loyalty in e-commerce: An exploration of its antecedents and consequences. Journal of Retailing, 78(1), 41–50. https://doi.org/10.1016/S0022-4359(01)00065-3
Sugiharto, Sugiono, R. A. W. (2020). Pengaruh Kualitas Layanan Terhadap Loyalitas Pelanggan Dengan Kepuasan Pelanggan Sebagai Variabel Mediasi Di Kafe One Eighteenth, Siwalankerto – Surabaya. Jurnal Strategi Pemasaran, 7(1), 11. https://publication.petra.ac.id/index.php/manajemen-pemasaran/article/view/10194
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&B.
Syahidah, A. A., & Aransyah, M. F. (2023). Pengaruh E-Service Quality dan E-Trust Terhadap E-Customer Loyalty Pada Pengguna Dompet Digital DANA Melalui E-Satisfaction Sebagai Variabel Intervening. Jurnal Sisfokom (Sistem Informasi Dan Komputer), 12(1), 36–44. https://doi.org/10.32736/sisfokom.v12i1.1593
Tirtayasa, S., Jufrizen, J., Pirari, W. S., & Sari, M. (2024). E-Satisfaction and E-Loyalty: the Role of Brand Image and E-Service Quality. EKUITAS (Jurnal Ekonomi Dan Keuangan), 8(1), 1–26. https://doi.org/10.24034/j25485024.y2024.v8.i1.5677
Ul Haq, I., & Awan, T. M. (2020). Impact of e-banking service quality on e-loyalty in pandemic times through interplay of e-satisfaction. Vilakshan - XIMB Journal of Management, 17(1/2), 39–55. https://doi.org/10.1108/xjm-07-2020-0039
Widiaputri, Y. S., Brawijaya, U., Administrasi, F. I., Ilmu, J., Bisnis, A., & Pemasaran, K. (2018). Pengaruh E-Service Quality Terhadap Perceived Value Dan E-Customer Satisfaction.
Wina Almayanti, & Chaerudin, C. (2022). Pengaruh Mobile Banking E-Service Terhadap E-Loyalty Dimediasi Oleh E-Satisfaction Studi Kasus Pada Nasabah Pengguna Mobile Banking BCA di Wilayah Karawang. Jurnal Sinar Manajemen, 9(2), 241–249. https://doi.org/10.56338/jsm.v9i2.2612
Yucha, N., & Hwihanus, H. (2024). Examining the Impact of Promotions, CRM, and Consumer Trust on Customer Loyalty Through Consumer Satisfaction: A Path Analysis Study on English Center Students. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 7(3), 7163-7178. https://doi.org/10.31538/iijse.v7i3.5259
Yulfis Wandi, V. R. Z., Arafah, W., Subagja, I. K., & Ram Al Jaffri Saad. (2020). THE EFFECT OF SERVICE AND PRODUCT QUALITY ON CUSTOMER SATISFACTION THROUGH CUSTOMER AWARENESS OF ISLAMIC BANKS IN WEST SUMATERA, INDONESIA. Humanities & Social Sciences Reviews, 8.cc
Copyright (c) 2025 Fitriyah Nurjanah, Ela Anatasya Hutabarat, Lis Tatin Hernidatiatin

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.















