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Abstract
The rapid development of information technology has encouraged the transformation of banking services into digital platforms through the use of mobile banking applications. One of these services is Livin' by Mandiri, which was developed to provide convenience, security, and comfort in conducting financial transactions. Customer satisfaction as an application user is influenced by various factors, including perceived ease of use and trust. Therefore, this study aims to examine the influence of Perceived Ease of Use and Trust on Customer Satisfaction among Livin' by Mandiri users in Semarang City. This study employed a quantitative approach using a survey method. The population consisted of Livin' by Mandiri users in Semarang City. A total of 100 respondents were selected using a purposive sampling technique. Data were collected through a Likert-scale questionnaire and analyzed using IBM SPSS Statistics Version 31, including validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, partial hypothesis testing (t-test), simultaneous hypothesis testing (F-test), and coefficient of determination. The findings indicate that Perceived Ease of Use does not have a significant effect on Customer Satisfaction. In contrast, Trust has a positive and significant effect on Customer Satisfaction. Furthermore, perceived ease of use and trust simultaneously explain customer satisfaction, indicating that the proposed research model is appropriate. These findings suggest that trust is a more dominant factor in improving customer satisfaction among Livin' by Mandiri users than perceived ease of use.