STUDENTS' PERCEPTIONS ON FACTORS CONSIDERED BY CUSTOMERS IN MEETING THE NEEDS OF BANKING SERVICES: A SURVEY ON ACCOUNTING STUDENTS IN BANDUNG

Abstract

This study aims to determine the perceptions of students majoring in Accounting in Bandung on the factors that customers consider in meeting the needs of banking services. Purposive sampling technique was used for the research sample, namely sampling based on the ease of data collection. The data were taken from respondents, namely students, from the Department of Accounting at Maranatha Christian University and Telkom University, with a total sample size of 77 people. The results showed that students majoring in accounting in Bandung perceived that the factors of transaction facilities and ease, services and service facilities, burdens and benefits and security were considered by customers in meeting the needs of banking services. The results of this study also show that there is no difference in perceptions between students with a GPA ≥ 3.0 and those with a GPA. 3.0. From the findings, it can be identified that respondents interpreted customers as individuals. Based on the analysis of the questions / statements for each item of the questionnaire, it shows that the security factor, as represented by the presence of CCTV or an alert security guard, timeliness of service, the number of branch offices owned and the bank can accept salary payments. The first factor to be considered in meeting the needs for banking services. The most recent factors to consider are banks operating on weekend, being able to use shared ATMs, competitive interest rates for savings or satisfactory profit sharing and the ease of obtaining loans.