Garuda - Garba Rujukan Digital

Faktor-Faktor yang Memengaruhi Continuance Intention Penggunaan QRIS BRI Merchant oleh Pelaku UMKM di Jakarta Daril Fajar Ardiyansyah; Diena Noviarini; Ringga Sentagi Asa
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/82yav816

This study aims to analyze the effects of perceived ease of use, perceived usefulness, and trust on the continuance intention to use QRIS BRI Merchant among Micro, Small, and Medium Enterprises (MSMEs) in DKI Jakarta, partially. This research employs a quantitative approach using a survey method and Structural Equation Modeling with a Partial Least Squares (SEM-PLS) technique. The sample consists of 160 MSME owners who use QRIS BRI Merchant in DKI Jakarta, selected through purposive sampling. The data were analyzed using SmartPLS software. The results indicate that: (1) perceived ease of use has a positive and significant effect on the continuance intention to use QRIS BRI Merchant; (2) perceived usefulness has a positive and significant effect on the continuance intention to use QRIS BRI Merchant; and (3) trust has a positive and significant effect on the continuance intention to use QRIS BRI Merchant. These findings highlight the importance of system usability, perceived benefits, and user trust in encouraging the sustained use of digital payment systems. This study is expected to provide practical insights for banking institutions to enhance the quality and reliability of QRIS services in order to support the long-term adoption of digital payment systems among MSMEs.

Analysis Of Factors Influencing Willingness to Pay for Premium Subscription Features E-Commerce Aulia Febrianti; Corry Yohana; Ringga Sentagi Asa
Manajemen: Jurnal Ekonomi Vol. 8 No. 1 (2026): Manajemen: Jurnal Ekonomi Vol 8 No 1 Maret 2026
Publisher : Fakultas Ekonomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/yt9sd333

This study was conducted to analyze the influence of electronic word of mouth, perceived value, brand awareness, and attitude on consumers' willingness to pay for Shopee VIP features. This study uses a quantitative approach with data collection through an online survey. Data was collected from 230 respondents who were Generation Z born between 1997 and 2012, residing in DKI Jakarta, having active Shopee accounts, and knowing about and intending/willing to subscribe to the Shopee VIP premium feature. Data analysis was conducted using Structural Equation Modeling (SEM) with a Partial Least Square (PLS) approach. The findings of this study indicate that all hypotheses were accepted. Electronic word of mouth, perceived value, brand awareness, and attitude were proven to have a positive and significant effect on willingness to pay

Pemanfaatan Teknologi Digital Tepat Guna untuk Menunjang Ekonomi UMKM di Kabupaten Indramayu Ringga Sentagi Asa; Fildzah Shabrina; Adnan Kasofi; Adin Nanda Choerunisa; M. Hafiyyan Sudiharjo
Aksi Kita: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 2 (2026): MARET-APRIL
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/5nqpsk15

UMKM di Desa Karangsong Kabupaten Indramayu memiliki peran strategis dalam perekonomian daerah, terutama dalam menciptakan lapangan kerja dan meningkatkan kesejahteraan masyarakat. Namun, banyak UMKM yang masih menghadapi kendala dalam mengadopsi teknologi digital, baik karena keterbatasan pengetahuan, akses terhadap infrastruktur digital, maupun kurangnya keterampilan dalam memanfaatkan teknologi secara optimal. Pemanfaatan teknologi yang tepat guna, seperti e-commerce, digital marketing, sistem pembayaran elektronik, dan aplikasi manajemen bisnis, dapat membantu UMKM meningkatkan produktivitas, memperluas pasar, serta mengelola usaha dengan lebih efisien. Oleh karena itu, diharapkan pelatihan ini dapat membantu UMKM dalam mengadopsi teknologi digital secara efektif dan berkelanjutan guna mendorong perekonomian secara berkelanjutan.

Pengaruh Perceived Ease of Use dan Perceived Risk Terhadap Customer Loyalty Melalui Customer Satisfaction pada Aplikasi E-Wallet Julius Adi Wiratama; Munawaroh Munawaroh; Ringga Sentagi Asa
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/6y1g3t85

The increasing use of digital wallet (e-wallet) services in Indonesia highlights the need for a deeper understanding of the factors that influence user loyalty. This research is conducted to examine the influence of perceived ease of use and perceived risk on customer loyalty, with customer satisfaction positioned as a mediating variable within the context of the LinkAja e-wallet application. A quantitative research design is employed by distributing structured questionnaires to 190 active LinkAja users across Indonesia. The collected data are analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS version 4.0. The findings indicate that perceived ease of use exerts a positive and statistically significant impact on customer satisfaction, whereas perceived risk demonstrates a negative and significant effect on customer satisfaction. In addition, customer satisfaction is found to positively influence customer loyalty and to significantly mediate the relationship between perceived ease of use and perceived risk on customer loyalty. These results imply that optimizing system usability and effectively managing perceived risks are crucial in improving user satisfaction and fostering long-term loyalty toward e-wallet services.

The Influence of Digital Financial Literacy, Perceived Usefulness, Perceived Ease of Use, and Perceived Security on Behavioral Intention to Use QRIS among Campus MSMEs Santi Setriyani; Diena Noviarini; Ringga Sentagi Asa
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/e4t4ns36

This study examines the influence of digital financial literacy, perceived usefulness, perceived ease of use, and perceived security on behavioral intention to use the Quick Response Code Indonesian Standard (QRIS) among micro, small, and medium enterprises (MSMEs) operating in a university canteen. A quantitative survey was conducted with 69 respondents selected through purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The measurement model met the recommended thresholds for convergent validity, discriminant validity, and reliability. The structural model shows that perceived usefulness (β = 0.308; t = 2.296; p = 0.022) and perceived security (β = 0.320; t = 2.354; p = 0.019) have a positive and significant effect on behavioral intention, whereas digital financial literacy (β = 0.039; t = 0.515; p = 0.607) and perceived ease of use (β = 0.273; t = 1.847; p = 0.065) show no significant effect. The model explains 75.2% of the variance in behavioral intention (R² = 0.752; Q²predict = 0.750). These findings indicate that campus canteen MSMEs are driven to adopt QRIS primarily by perceived benefits and transaction security, rather than by financial literacy or ease of use alone. As an implementation of these findings, a “Kantin Pinter” digital platform prototype was developed, integrating QRIS education, transaction monitoring, ease-of-use, and digital transaction security features.

Analisis Aspek Gamifikasi Terhadap User Enjoyment pada Aplikasi Produktivitas Adelia Tiara Andani; Diena Noviarini; Ringga Sentagi Asa
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 2 (2026): MARET 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/yyzz3h28

Perkembangan teknologi digital telah mendorong Generasi Z untuk menuntut pengalaman produktivitas yang tidak hanya efisien tetapi juga menyenangkan (enjoyable productivity). Namun, tantangan muncul ketika penerapan gamifikasi pada aplikasi produktivitas sering kali bersifat dangkal sehingga gagal mempertahankan motivasi pengguna dalam jangka panjang. Penelitian ini bertujuan untuk menganalisis pengaruh elemen gamifikasi (rewards, immersion, social) terhadap pemenuhan kebutuhan psikologis dasar (competence, autonomy, relatedness) dan dampaknya terhadap user enjoyment pada pengguna aplikasi Forest, menggunakan pendekatan Self-Determination Theory (SDT). Sampel penelitian ini terdiri dari 300 pengguna aplikasi Forest dari kalangan Generasi Z yang berdomisili di wilayah Jabodetabek, yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner berskala Likert enam poin dan dianalisis menggunakan software SmartPLS 3.0. Hasil penelitian menunjukkan bahwa rewards berpengaruh positif dan signifikan terhadap competence, serta social berpengaruh positif dan signifikan terhadap relatedness. Namun, immersion tidak berpengaruh signifikan terhadap autonomy. Selanjutnya, competence terbukti berpengaruh positif dan signifikan terhadap user enjoyment. Sebaliknya, autonomy tidak berpengaruh signifikan terhadap user enjoyment, sedangkan relatedness memiliki pengaruh yang signifikan namun negatif terhadap user enjoyment, mengindikasikan adanya fenomena tekanan sosial.

Pengaruh AI-Driven Hyper-Personalization dan Social Media Advertising terhadap Purchase Intention dengan Mediasi Customer Trust Andi Muhammad Syawqi; Corry Yohana; Ringga Sentagi Asa
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/mscx5f43

This study aims to analyze the effect of AI-Driven Hyper-Personalization and Social Media Advertising on Purchase Intention, with Customer Trust as a mediating variable, among TikTok Shop Generation Z users in DKI Jakarta. This study employs a quantitative approach using a survey method and Partial Least Squares Structural Equation Modeling (PLS-SEM) as the analytical technique. The sample consists of 240 respondents, all Generation Z TikTok Shop users in Jakarta, selected through purposive sampling. The data were analyzed using SmartPLS 4.0 software. The results of the analysis indicate that: (1) AI-Driven Hyper-Personalization has a positive and significant effect on Purchase Intention. (2) Social Media Advertising has a positive and significant effect on Purchase Intention. (3) Customer Trust has a positive and significant effect on Purchase Intention. (4) AI-Driven Hyper-Personalization has a positive and significant effect on Customer Trust. (5) Social Media Advertising has a positive and significant effect on Customer Trust. (6) Customer Trust partially mediates the effect of AI-Driven Hyper-Personalization on Purchase Intention. (7) Customer Trust partially mediates the effect of Social Media Advertising on Purchase Intention. These findings indicate that the accuracy of algorithmic personalization, the quality of social media advertising, and the level of user trust in the platform play an important role in driving purchase intention within the social commerce ecosystem. The results of this study are expected to serve as a basis for platform managers and digital marketers in enhancing algorithmic transparency and advertising credibility to support the growth of TikTok Shop among Generation Z.

Pengaruh AI-Driven Personalized Financial Services dan Mobile Banking Security terhadap Continuance Intention dengan Customer Trust Sebagai Mediasi Aimar Rafli Marzuki; Munawaroh Munawaroh; Ringga Sentagi Asa
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/tyfkf759

This study aims to analyze the influence of AI-Driven Personalized Financial Services and Mobile Banking Security on Continuance Intention, with Customer Trust as a mediating variable, among Generation Z users of Bank Jago in Jabodetabek. This research employs a quantitative approach using a survey method and PLS-SEM analysis based on the Stimulus-Organism-Response framework. The sample consists of 300 respondents selected through purposive sampling and analyzed using SmartPLS. The results show that both stimulus variables have a positive and significant effect on Continuance Intention and Customer Trust, and Customer Trust has a positive and significant effect on Continuance Intention while partially mediating both relationships. AI-Driven Personalized Financial Services is the strongest predictor of trust, while Customer Trust is the strongest predictor of Continuance Intention, explaining 39.3% of its variance. These findings highlight the importance of AI-based personalization, security, and trust-building in sustaining neobank usage among Generation Z.

Perancangan UI/UX Prototipe Reservasi Kelas Olahraga Melalui Pendekatan Human Centered Design Desma Noor Putri; Diena Noviarini; Ringga Sentagi Asa
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 5 (2026): AGUSTUS-SEPTEMBER
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/dv31s879

The rapid growth of the digital fitness application industry has encouraged the emergence of various sportstech platforms to meet public demand for flexible and practical access to sports services. However, existing sports class reservation platforms still face several issues related to user interface and user experience aspects, particularly unclear cancellation policies, limited rescheduling features, and lack of transparency regarding class availability information. This study aims to identify user needs and obstacles in the sports class booking process, as well as to design the Go-FIT website prototype as a user-oriented solution. The approach used in this study is Human-Centered Design (HCD), implemented through five stages of design thinking: empathize, define, ideate, prototype, and testing. Data were collected through pre-surveys, literature studies, and observation of user reviews on existing sports class reservation platforms. The prototype was developed using Figma and Loveable as an AI-assisted development platform. Evaluation was conducted with 30 respondents using the System Usability Scale (SUS) instrument. The test results showed an average SUS score of 82,5, which falls into the Excellent category, indicating that the Go-FIT prototype has a very high level of usability in terms of effectiveness, efficiency, and overall ease of use. The results of this study are expected to serve as a foundation for developing a more transparent, flexible, and user-oriented digital sports class reservation system.

Faktor-Faktor yang Memengaruhi Adopsi Teknologi Pembayaran Kode QR pada Pelaku UMKM Dzaki Hanif; Diena Noviarini; Ringga Sentagi Asa
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 5 (2026): AGUSTUS-SEPTEMBER
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/2jn1jn34

This study aims to analyze the factors influencing Behavioral Intention to Use QRIS among culinary micro, small, and medium enterprises (MSMEs) in DKI Jakarta using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model extended with Perceived Security and Perceived Trust variables. This study employed a quantitative approach with a survey method involving 214 MSME respondents who have used QRIS. Data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results indicate that Performance Expectancy, Effort Expectancy, Price Value, Perceived Security, and Perceived Trust have a positive and significant effect on Behavioral Intention to Use QRIS, with Perceived Trust being the most influential factor. Meanwhile, Social Influence was found to have no significant effect. The R² value of 0.578 indicates that the model explains 57.8% of the variation in behavioral intention to use QRIS. These findings suggest that increasing QRIS adoption among MSMEs should be supported by providing beneficial and easy-to-use services, costs commensurate with benefits, robust security systems, and efforts to build MSME owners' trust in QRIS as a digital payment method. This study contributes to the development of UTAUT2 literature by extending the model in the context of digital payment adoption in the MSME sector.

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