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All Journal Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Muhammad Iqbal
Universitas Islam Negeri Raden Intan Lampung, Lampung, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Perceptions of Convenience, Benefits, and Risks on Interest in Using Financial Technology (Gopay) in Gen Z in Bandar Lampung City Lusiana Putri; Muhammad Iqbal; Rahmat Fajar Ramdani
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.552

Abstract

This study aims to determine the effect of perceptions of convenience, benefits, and risks to the interest of Generation Z in using financial technology (GoPay) in the city of Bandar Lampung. This study uses a descriptive quantitative approach with sampling techniques through the Slovin formula, which resulted in 100 respondents from Generation Z in the region. Data analysis was conducted using PLS-SEM method through SmartPLS 4 application, covering validity, reliability, hypothesis test, and coefficient of determination. Overall, this study consistently shows that perceptions of ease, benefit, and risk have a positive and significant influence on Gen Z's interest in using GoPay fintech in Bandar Lampung City. The three proposed hypotheses proved to be accepted, with benefit perception and risk perception showed a stronger influence than the perception of ease based on the value of T-statistics and f-square. Specifically, the R-Square value of 0.673 confirms that this model is very good at explaining the 67.3% variation in interest in GoPay use by Gen Z. These results support the validity of the Technology Acceptance Model (TAM) and provide practical implications for fintech service providers to prioritize improving perceived benefits and effective risk management, while maintaining ease of use, to drive continued adoption and interest among the Gen Z segment.
The Influence of Green Marketing, Brand Image, Product Quality on Customer Loyalty Reviewed on Islamic Business Perspective Samsul Maarif; Muhammad Iqbal; Okta Supriyaningsih
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.630

Abstract

This study aims to analyze the influence of Green Marketing, Brand Image, Product Quality on customer loyalty reviewed in the Islamic business perspective of the study on consumers MS Glow in Bandar Lampung. The approach in this study is to use quantitative research methods. The population in this study is all customers in Bandar Lampung MS Glow unknown number (unknown population). The number of samples used in this study was 96. The results of this study show that Brand Image and Product Quality individually have a positive and significant impact on customer loyalty. Although Green Marketing does not have a significant individual influence, the three variables of Green Marketing, Brand Image, and Product Quality simultaneously contribute to customer loyalty, implying a complex interaction in which brand image plays an important role when combined with green initiatives and guaranteed product quality.
The Influence of Perceptions of Convenience, Benefits, and Risks on Interest in Using Financial Technology (Gopay) in Gen Z in Bandar Lampung City Lusiana Putri; Muhammad Iqbal; Rahmat Fajar Ramdani
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.552

Abstract

This study aims to determine the effect of perceptions of convenience, benefits, and risks to the interest of Generation Z in using financial technology (GoPay) in the city of Bandar Lampung. This study uses a descriptive quantitative approach with sampling techniques through the Slovin formula, which resulted in 100 respondents from Generation Z in the region. Data analysis was conducted using PLS-SEM method through SmartPLS 4 application, covering validity, reliability, hypothesis test, and coefficient of determination. Overall, this study consistently shows that perceptions of ease, benefit, and risk have a positive and significant influence on Gen Z's interest in using GoPay fintech in Bandar Lampung City. The three proposed hypotheses proved to be accepted, with benefit perception and risk perception showed a stronger influence than the perception of ease based on the value of T-statistics and f-square. Specifically, the R-Square value of 0.673 confirms that this model is very good at explaining the 67.3% variation in interest in GoPay use by Gen Z. These results support the validity of the Technology Acceptance Model (TAM) and provide practical implications for fintech service providers to prioritize improving perceived benefits and effective risk management, while maintaining ease of use, to drive continued adoption and interest among the Gen Z segment.
The Influence of Green Marketing, Brand Image, Product Quality on Customer Loyalty Reviewed on Islamic Business Perspective Samsul Maarif; Muhammad Iqbal; Okta Supriyaningsih
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.630

Abstract

This study aims to analyze the influence of Green Marketing, Brand Image, Product Quality on customer loyalty reviewed in the Islamic business perspective of the study on consumers MS Glow in Bandar Lampung. The approach in this study is to use quantitative research methods. The population in this study is all customers in Bandar Lampung MS Glow unknown number (unknown population). The number of samples used in this study was 96. The results of this study show that Brand Image and Product Quality individually have a positive and significant impact on customer loyalty. Although Green Marketing does not have a significant individual influence, the three variables of Green Marketing, Brand Image, and Product Quality simultaneously contribute to customer loyalty, implying a complex interaction in which brand image plays an important role when combined with green initiatives and guaranteed product quality.
Co-Authors Lusiana Putri Okta Supriyaningsih Rahmat Fajar Ramdani Samsul Maarif