An Effort to Increase Public Financial Literacy through the Use of M-Banking: Case Study of Bank Mandiri Surabaya Branch
DOI:
10.29303/ujcs.v6i1.851Published:
2025-03-31Downloads
Abstract
Improving people's financial literacy using m-banking is crucial in today's digital era, where around 70% of Indonesians still have a low level of financial literacy. This research focuses on Bank Mandiri Surabaya Branch, where more than 60% of customers do not fully understand the use of digital banking services, especially m-banking. This community service activity aims to improve customers' understanding of m-banking and its benefits in financial management. Using training modules and hands-on demonstrations, participants were taught how to download applications, conduct transactions, and understand important features in m-banking. Results showed that the education significantly improved customers' understanding and confidence in using the m-banking application. Participants reported an increased interest in applying the new knowledge in their daily financial management. This program not only contributes to the improvement of individual financial literacy but also promotes broader financial inclusion in the community. Thus, this activity confirms the importance of structured and practical education to improve financial literacy and utilize digital banking technology effectively.
Keywords:
Financial Literacy M-Banking Education Financial Inclusion Bank MandiriReferences
Ariawan, A., & Herawati, H. (2025). Pelatihan Penyusunan Laporan Keuangan Sederhana bagi Pelaku Usaha Mikro Desa Brangjan Kecamatan Ungaran Barat Semarang. Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat, 3(1), 59–68. https://doi.org/10.61132/kegiatanpositif.v3i1.1669
Darnawati, Jamiludin, Batia, L., Irawaty, & Salim. (2023). Pendampingan Guru-Guru SMP Dalam Melaksanakan Open Kelas Melalui Pendekatan Lesson Study Di Sekolah, Amal Ilmiah : Jurnal Pengabdian Kepada Masyarakat. 1(1), 245–252.
Fahrudin, M. F., & Yulianti, E. (2015). Pengaruh promosi, lokasi, dan kualitas layanan terhadap keputusan pembelian nasabah Bank Mandiri Surabaya. Journal of Business &Amp; Banking, 5(1), 149–162. https://doi.org/10.14414/jbb.v5i1.478
Hayat, N., & Busman, S. A. (2023). Pengaruh Kemudahan, Kualitas Layanan, Fitur Produk Terhadap Kepuasan Penggunaan Mobile Banking Livin By Mandiri (Studi Kasus Pt Bank Mandiri Kcp Sumbawa Besar). Jurnal Terapan Ilmu Manajemen Dan Bisnis, 6(1), 1–16. https://doi.org/10.58303/jtimb.v6i1.3070
Hidayat, S. (2020). Literasi Keuangan Untuk Pengelolaan Keuangan Pribadi. Jurnal Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 1(2), 130–133. Retrieved from http://ejurnal.seminar-id.com/index.php/ekuitas/article/view/115
Rahayu. R. (2022). Analisis Faktor-Faktor yang Mempengaruhi Tingkat Literasi Keuangan Digital- Studi pada Generasi Z di Indonesia. Reviu Akuntansi Dan Bisnis Indonesia, 6(1), 73–87. https://doi.org/10.18196/rabin.v6i1.142682
Rochendi, T., Rita, R., & Dhyanasaridewi, I. D. (2022). Pentingnya Literasi Keuangan Bagi Masyarakat. Kompleksitas: Jurnal Ilmiah Manajemen, Organisasi Dan Bisnis, 11(1), 27–35. https://doi.org/10.56486/kompleksitas.vol11no1.200
Widiawati, K. (2018). Peran Standar Kompetensi Karyawan Sebagai Upaya Meningkatkan Pelayanan Prima Pada Bisnis Perbankan Di Indonesia. Jurnal Ilmiah Administrasi Dan Sekretari, 1(2), 17–31.
Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal, Barometer Riset Akuntansi Dan Manajemen, 6(1). https://doi.org/10.21831/nominal.v6i1.14330
License
Copyright (c) 2025 Dita Rohmatul Ilmi, Muhammad Taufiq, Anisa Fitria Utami
This work is licensed under a Creative Commons Attribution 4.0 International License.
You are free to:
- Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
- Adapt — remix, transform, and build upon the material for any purpose, even commercially.
The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
- Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation.
No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
