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All Journal Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Journal of International Accounting, Taxation and Information Systems
Heri Pratikto
Universitas Negeri Malang, Malang, Indonesia
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Effect of Customer Experience, Shopping Motivation and Electronic Word of Mouth on Purchase Decisions Mediated by Online Trust (Study on Shopee E-commerce Users in Malang City) Fian Arifiona Faradila; Heri Pratikto; Wening Patmi Rahayu
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 2 : Al Qalam (March 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i2.6414

Abstract

This study aims to analyze the mediation of trust on the influence of customer experience, shopping motivation, and electronic word of mouth (e-WOM) on purchase decisions among Shopee e-commerce users from generation Z in Malang City. This research approach is quantitative with descriptive and explanatory research methods. The data sample consisted of 174 respondents with a purposive sampling technique who had the criteria of being 17–29 years old, domiciled in Malang City, having the Shopee application, and having made a transaction in the last three months. Data processing was carried out using the Partial Least Square (PLS) method through SmartPLS 4 software. The results showed that customer experience, shopping motivation, and e-WOM had a significant effect on purchase decisions. In addition, trust was proven to significantly mediate the relationship between the three variables on purchase decisions. The R-Square value of 0.900 for trust and 0.905 for purchase decisions indicates that the research model has very strong explanatory power. These findings strengthen the relevance of the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) theories in explaining the online purchasing behavior of Generation Z.
Exploring Financial Behaviour in MSME’s Sector: a Sytematic Review of Literacy, Attitude, and Gender Perspective Achmad Murdiono; Fajar Azmi Kurniawan; Heri Pratikto; Agus Hermawan
Journal of International Accounting, Taxation and Information Systems Vol. 2 No. 3 (2025): August
Publisher : CV. Proaksara Global Transeduka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70865/jiatis.v2i3.120

Abstract

Financial behavior is a critical aspect of economic life, particularly for actors in the micro, small, and medium enterprises (MSMEs) sector. This study aims to systematically review academic literature on the influence of financial literacy, financial attitudes, and gender role on financial behavior, utilizing a Systematic Literature Review (SLR) approach guided by the PRISMA protocol. This study was arranged to review in a systematic literature review approach, focusing on the influence of academic literature related to literacy finance, attitude finance, and gender roles in behavior finance, using a Systematic Literature Review (SLR) approach based on the PRISMA protocol. Sixty articles were selected from five academic databases (Scopus, ScienceDirect, Google Scholar, Emerald, and ProQuest), published between 2015 and 2025, and analyzed through thematic coding techniques. The results are relevant that financial literacy affects financial behavior directly and indirectly, mediated by attitude and intentions. Financial attitude is a key moderator in fostering responsible financial behavior. At the same time, gender is a moderate variable that influences the strength of the relationships among the variables. Moreover, behavioral characteristics differ among MSME actors, indicating the need for demographically contextualized interventions. This review emphasizes integrating financial literacy, attitude, and gender in shaping financial behavior. It supports the necessity for targeted financial education policies, including gender- and community-based approaches. The findings further affirm the relevance of theories such as the theory of planned behavior and mental accounting in understanding financial behavior in the digital era.
Co-Authors Achmad Murdiono Agus Hermawan Fajar Azmi Kurniawan Fian Arifiona Faradila Wening Patmi Rahayu