THE ROLE OF SATISFACTION ON MEDIATING THE EFFECTS OF EASIER USAGE AND BENEFIT PERCEPTIONS TO THE LOYALTY OF BRILINK AGENTS IN DENPASAR CITY

: Seeing the unequal conditions of establishing access to bank services in certain areas, the Financial Services Authority (OJK) issued a program entitled Laku Pandai. BRI has the largest number of Laku Pandai agents, known as BRILink agents, compared to other bank agents. The purpose of this research is to discuss the role of satisfaction in mediating the influence of perceived ease of use and benefit perceptions on BRILink Agent loyalty. The theories used are Technology Acceptance Model (TAM) and Expectation Disconfirmation Theory. Perceived ease of use is defined as a measure of a person's trust in technology that is easy to understand and use. Benefit perception is the condition of a person who believes that using a certain technological system can improve his or her performance. Satisfaction is defined as the feeling of pleasure or disappointment that a person feels when obtaining performance results from a product or service. Loyalty can be described as a continuous process of establishing repeat purchasing relationships over the long term. This research is a type of quantitative research that is associative


INTRODUCTION
and infrastructure that can be used to assist operational processes (Nurcaya et al., 2022).The ease of use of technology means no difficulty or without requiring great effort.The perception of ease in understanding information, the use of applications, and services provided can influence the decision to use a technology (Iriani & Andjarwati, 2020).
Customers who perceive a technology to be useful for themselves such as faster payment processing, improving their performance and useful in daily activities, then the customer's intention to use the technology tends to increase (Sigar, 2016).
The ease of use of technology in BRILink services can provide benefits when the number of transactions obtained increases, thus also having an impact on BRILink Agents who are still able to survive as BRILink service providers with existing technology.Such ability to endure can be attributed to the concept of loyalty, since loyalty can be influenced by the perception of ease and the perception of benefits.According to (Putra & Raharjo, 2022), it is stated that the perceived ease of use and perception of benefits have a positive and significant influence on loyalty and satisfaction.Research conducted by (Nurhidayati & Cahyani, 2021) is inverse, because it states that the ease of use of applications does not have a significant effect on loyalty.(Rahmadhania & Sari, 2018) also stated that the perception of benefits did not have a significant effect on satisfaction and loyalty.
The misalignment of the results of the study allows there to be a mediating variable that can bridge between the variable of perceived ease of use and perception of benefits to the variable of

RESULT AND DISCUSSION
The indicator on the research instrument is said to be valid when the calculated r value > the r value of the  This study used a sample of 100 so that the table t was 1.96.Based on the results of testing the direct influence between these variables, it can be explained as follows.
1) The effect of perceived ease on loyalty with an original sample value of 0.236 means that it can have a positive influence.The results of statistical t values of 2.294 > t table 1.96 and p values of 0.022 < α 0.05 show that the perceived ease of use has a positive and significant effect on loyalty, so that H1 can be accepted.
2) The effect of benefit perceptions on loyalty obtained a positive original sample value of 0.223.The statistical t value is 2.041 > the table t value is 1.96 and the p value is 0.041 < α 0.05.These results show that the perception of benefits has a positive and significant effect on loyalty, so that H2 can be accepted.
3) The effect of perceived ease of use on satisfaction obtained a positive original sample value of 0.476.This positive influence is also supported by the statistical t values of 4.032 > t table 1.96 and p values of 0.000 < α 0.05.These results show that H3 Perceptions to The Loyalty of Brilink Agents in Denpasar City which states the perception of ease has a positive and significant effect on satisfaction can be received.
4) The effect of benefit perceptions on satisfaction obtained a value of 0.396 in the original sample.This value is also supported by the statistical t value of 3.355 > t table 1.96 and the p value of 0.001 < α 0.05.The test results were able to show that the perception of benefits had a positive and significant effect on satisfaction, so that H4 in this study was acceptable.Based on the results of indirect influence testing or mediation in this study, it can be explained as follows.

5)
1) The effect of perceived ease on loyalty through satisfaction as of benefit perceptions on loyalty, so that H7 can be accepted.of this study, which states that there is a significant influence on the perception of ease of loyalty.

The effect of benefit perceptions on loyalty
The results of variable testing The effect of perceived ease of use on satisfaction The results of the variable test show that the perceived ease of use has a positive and significant effect on the satisfaction of BRILink Agents in Denpasar City.This influence means that the better the perceived ease of use felt by BRILink Agents when using BRILink Mini ATM EDC machine technology, the more satisfied the customer will become a BRILink Agent.(Nurhidayati & Cahyani, 2021) support this study by stating that ease of use variables has an influence on customer satisfaction of e-channel users.

The effect of satisfaction on loyalty
The results of the direct influence test between variables show that satisfaction has a positive and significant effect on the loyalty of BRILink Agents in Denpasar City.This can be interpreted that BRILink Agents who feel satisfied when using technology in serving financial transactions, then these customers can be loyal to become BRILink Agents.
These results are also in line with (Octavia, 2019) which states that customer satisfaction has a significant effect on customer loyalty.(Octavia, 2019) proves that the higher customer satisfaction, the higher customer loyalty to the Bank Index of Lampung Branch Offices.
The role of satisfaction mediates the influence of perceived ease of use on loyalty.
Satisfaction can mediate positively and significantly the influence of perceived ease of use on BRILink Agent loyalty in Denpasar City.Satisfaction is involved in the perception of perceived ease of use so that the customer can be loyal to become a BRILink Agent.The results of the VAF test found that satisfaction acts as a partial mediation, which is only able to partially mediate the influence of perceived ease of use on This means that satisfaction is felt in the benefits obtained so that the customer can survive as a BRILink Agent.
In line with the results of this study, Nugroho (2022) also found that satisfaction was able to partially mediate the dimensions of relational benefits with the loyalty of BPR Sinararta Sejahtera credit customers.

CONCLUSION
This study identifies several important conclusions related to factors that influence the loyalty of BRILink Agents in Denpasar City.The results show that the perceived ease of use and benefits of BRI Mini ATM EDC machine technology has a positive and significant impact on BRILink Agent loyalty and satisfaction.In addition, BRILink Agent satisfaction also serves as a strong mediation between the perceived ease of use and benefits and their loyalty.
of its services, several banks, such as PT Bank Rakyat Indonesia Tbk.(BRI), implement service innovation through the BRILink program which offers transaction services without branch offices through bank agents.Although there are still challenges in the deployment of services in some regions, BRILink services have received a positive response from the public, proving the need for more inclusive and accessible banking access.A successful company requires not only capabilities in corporate, business, and functional planning and strategy, comprehensive financial projections, and resource allocation, but also information technology (IT) resources and capabilities.Capabilities in the IT field include technical skills, knowledge,

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Then the calculation of Variance Accounted For (VAF) is obtained as follows.mediatingvalue on the influence of perceived ease on loyalty through satisfaction.VAF2 value in the model of the effect of benefit perceptions on loyalty through satisfaction.Based on Perceptions to The Loyalty of Brilink Agents in Denpasar City the calculation of the two indirect influences through the VAF method, it can be concluded that the satisfaction variable plays a role as a partial mediation in this study.That is, the satisfaction variable is only partially responsible for the relationship between exogenous and endogenous variables.The effect of perceived ease of use on loyaltyThe results of the t test show that the perceived ease of use has a positive and significant effect on the loyalty of BRILink Agents in Denpasar City.This means that BRILink Agents continue to provide BRILink product services because they have the perception that BRI Mini ATM EDC machine technology is easy to use sustainably.The analysis of the TAM model explained by(Wicaksono, 2022)  states that the perceived ease of use is very important in influencing user interest in adopting technology.The easier the perception of the use of technology felt by BRILink Agents, the higher the loyalty of these customers to survive as BRILink Agents.(Dirnaeniet al., 2021)  and(Oktaviani, 2014) also support the results using PLS analysis show that the perception of benefits has a positive and significant effect on the loyalty of BRILink Agents in Denpasar City.BRILink Agents who feel the benefits obtained while providing transaction services on BRILink products to other customers, can continue to survive as BRILink Agents.The perception of usability can be influenced by the usefulness of technology to meet the needs of its users (Wicaksono, 2022).The better the perception of benefits obtained by BRILink Agents when using technology to serve other customers, the higher the desire of BRILink Agents to remain loyal and survive doing the job.This result is also supported by the research of (Natalia & Ginting, 2018) which obtained the results of research that are in line because there is a simultaneous influence (together) between the perception of benefits on the loyalty of application or technology users.
The easier it is to use e-channel, the higher the customer satisfaction of e-Putu Arina Hermarani 1 Ni Wayan Ekawati 2 I Putu Gede Sukaatmadja 3 Putu Saroyini Piartrini 4 | 1582 channel users on BSI KCP Ponorogo customers.Like this study, which proves that the easier it is to use the BRI Mini ATM EDC machine that provides financial transactions through BRILink, the higher the satisfaction of BRILink Agents in their work area.The effect of benefit perceptions on satisfaction The results of the variable test with t statistic show that the perception of benefits has a positive and significant effect on the satisfaction of BRILink Agents in Denpasar City.BRILink Agents who have felt the benefits when using BRI Mini ATM EDC machines in serving customer transactions, the more satisfied the BRILink Agent is because it is able to increase the effectiveness of its work.The satisfaction felt depends on the expected benefits obtained by BRILink Agents on the effectiveness and relevance of BRI Mini ATM EDC machine technology used to increase productivity while being able to obtain on these results, it can be concluded that the BRI Mini ATM EDC machine technology provides good benefits so that BRILink Agents who use it are satisfied.
perception of the use of technology for BRILink Agents that can cause satisfaction, the higher the level of loyalty of BRILink Agents.Perceptions to The Loyalty of Brilink Agents in Denpasar City These results are also supported by research by (Rofiah & Wahyuni, 2017the mediation test in this study showed that satisfaction was able to mediate positively and significantly the effect of benefit perceptions on the loyalty of BRILink Agents in Denpasar City.Significant values on the influence between variables suggest that satisfaction partially mediates the effect of benefit perceptions on loyalty.
Putu Arina Hermarani 1 Ni Wayan Ekawati 2 I Putu Gede Sukaatmadja 3 Putu Saroyini Modeling (SEM) approach based onPartial Least Square (PLS) to test relationships between variables.The results of data analysis are interpreted in the discussion to obtain conclusions that become research results in accordance with the research objectives that have been formulated.

Table 1 . Research Variable Validity Test Results Variable Indicators Pearson Correlation Information
Ni Wayan Ekawati 2 I Putu Gede Sukaatmadja 3 Putu Saroyini table.The results obtained from this validity test show that all indicators in this research variable are declared valid because the value of pearson correlation or r count of each indicator is greater than 0.361.Based on the validity test, all indicators in each research variable obtained valid results.This means that the indicator is used as a measuring tool for each research variable, which is then expressed in the form of a statement item on the questionnaire.

Table 2 . Reliability Test Results
The effect of the satisfaction variable on loyalty obtained a positive original