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The growth of digital banking services has led to increased competition among banks, so the quality of service and security of transactions have become important factors in creating customer satisfaction and keeping them loyal. This study aims to analysis the effect of service quality and transaction security on customer loyalty, with customer satisfaction acting as the intervening variable among BCA Mobileusers in Semarang city. This study uses a quantitative appproach with a sample size of 100 respondents who use BCA Mobilein Semarang city. The sampling technique used is non-probability sampling. Data collection was done by distributing questionnaires, and then the data was analysis using SPSS 27 with t test and sobel test. The study shows that service quality has a positive and signficant effect on customer satisfaction, and transaction security also has a a positive and signficant effect on customer satisfaction, and service quality and transaction security have a positive but not significant effect on customer loyalty. Customer satisfaction has a positive and significant effect on customer loyalyty. The sobel test result show that customer satisfaction can act as a bridge between the effect of service quality and transaction security and customer loyalty. This study shows that customer satisfaction plays an impostant role in building user loyalyty for BCA Mobile. Therefore, improving service quality and transaction security should continue to enhance customer satisfaction and maintain their loyalyty.