Abstract :
This study examines how service quality, ease of use, and convenience influence satisfaction, with
customer loyalty as a mediator, in the context of BNI Mobile Banking usage in Semarang City.
Using a quantitative approach, the research targets BNI Mobile Banking users in Semarang City
and nearby areas with a sample of 100 respondents selected through Purposive Sampling. Findings
indicate that users tend to experience positive effects from satisfaction and service quality. While
service quality positively contributes to loyalty, the impact is not significant. Ease of use has a
positive impact on loyalty but does not significantly affect satisfaction. Comfort in using the
application has a positive, albeit insignificant, effect on satisfaction and loyalty. Customer
satisfaction mediates the relationship between service quality and loyalty but does not mediate
between ease of use and comfort with customer loyalty.