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Exploring The Determinants of Sustainable Interest To Use E-Wallet: The Mediating Role of Customer Satisfaction Masaalah Marasabessy; Achmad Sani Supriyanto; Vivin Maharani Ekowati; Setiani Setiani; Siswanto Siswanto; Ahmad Tibrizi Soni Wicaksono; Kurniawati Meylianingrum; Titis Miranti; Forbis Ahamed
Jurnal Aplikasi Bisnis dan Manajemen Vol. 11 No. 3 (2025): JABM Vol. 11 No. 3, September 2025
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.11.3.789

Abstract

Background: The current rapid development of the times has created the birth of the evolution of payment instruments such as e-wallets. The evolution of this means of payment facilitates human activities in terms of transactions. The ease, convenience, speed, and benefits offered by Payment System Service Providers (PJSP) such as e-wallets can attract people's interest in adopting this system. Purpose: This study examines the direct effects of perceived ease of use, perceived usefulness, and e-service quality on sustained e-wallet use in Jayapura City, with customer satisfaction as a mediator. Design/methodology/approach: The research method adopted is quantitative, with an explanatory approach. The population in this study was the residents of Jayapura City, and the sampling technique was purposive, resulting in a sample size of 200 respondents. Data were collected via a questionnaire and then evaluated using SmartPLS v.4.1.0.6. Findings/Result: The findings show that perceived convenience does not affect long-term interest in using e-wallets. Meanwhile, perceived benefits, e-service quality, and customer satisfaction favourably and significantly impact sustained e-wallet usage. These findings also demonstrate that customer satisfaction can mediate the relationship between perceived convenience, perceived benefits, and e-service quality regarding Jayapura City residents' sustained interest in utilizing e-wallets. Conclusion: This study shows that the e-wallet payment system service provider can improve the services provided, increase the literacy of the people of Jayapura City regarding the operation of e-wallets and the urgency of using technology so that the people of Jayapura City are technology literate. In addition, the e-wallet should also be able to provide various promos that can attract the interest of the people of Jayapura City. Originality/Value (State of The Art): The findings of this research are intended as evaluation material and a basis for decision-making by e-wallet applications regarding interest in adopting e-wallets. Keywords: perceived benefits, e-service quality, customer satisfaction, sustainable interest, e-wallet
The Role of Economic Growth and Economic Freedom in Moderating the Influence of Bank Health Performance on Profitability Siti Nabila Zida Sabrina; Titis Miranti
Islamic Economics Journal Vol. 11 No. 02 (2025): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v11i02.20

Abstract

This study aims to analyze the effect of bank soundness on the profitability of Islamic Banks in Indonesia, with economic growth and economic freedom as moderating variables. Bank soundness is measured using the RGEC approach. This study adopts a quantitative approach, employing panel data regression analysis and Moderated Regression Analysis (MRA). The data used consist of annual secondary data from 2011 to 2024, including financial ratios from the annual reports of Islamic commercial banks in Indonesia, as well as data on Indonesia’s economic growth and economic freedom. The results show that bank soundness has a significant effect on profitability, except for GCG. Economic growth and economic freedom moderate the relationship between all independent variables and the dependent variable, except for GCG. These findings emphasize the importance of strengthening internal bank factors and macroeconomic support to enhance the profitability of Islamic banking in Indonesia.