Article Per Year (5 Year)
p-Index From 2021 - 2026
0.778
P-Index
This Author published in this journals
All Journal JTIULM (Jurnal Teknologi Informasi Universitas Lambung Mangkurat) Journal of Economics and Social Sciences Jurnal Pengabdian Bakti Akademisi Jejak digital: Jurnal Ilmiah Multidisiplin
Hardini, Inkreswari Retno
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
The Role of Optimism, Innovativeness, Discomfort, and Insecurity in the Acceptance of Bank Jago’s Mobile Application: A TRI–TAM Approach Rehatta, Stanny Dewanty; Hardini, Inkreswari Retno; Berutu, Meta Bara
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.921

Abstract

The development of digital banks in Indonesia, such as Bank Jago, has transformed the way people access financial services. The success of adopting these services is influenced not only by technology availability but also by users' psychological readiness. This study combines TRI and TAM to analyze how innovativeness, optimism, insecurity, and discomfort affect PEOU, PU, and ITU among Indonesia's digital generation. The research uses a quantitative survey and PLS-SEM analysis. Results indicate that optimism significantly boosts PEOU but does not significantly affect PU or ITU. Innovativeness significantly enhances PU and PEOU but does not influence ITU. Contrary to expectations, discomfort demonstrates a significant positive relationship with PU but has no notable impact on PEOU or ITU. Insecurity shows no significant effect on any variables. Moreover, PEOU significantly increases PU but negatively influences ITU, PU does not significantly impact ITU. These findings suggest that ease of use and PU are not always the main factors driving the intention to adopt technology, particularly among users familiar with digital tools. This research contributes to the literature on TRI and TAM integration and offers practical insights for digital financial service developers to consider psychological readiness when designing technology adoption strategies.
AI-Powered Branding by Utilizing ChatGPT for the Promotion of Competitive MSMEs (SDGs9) Hardini, Inkreswari Retno; Rehatta, Stanny Dewanty; Purba, Regina Humaningtyas; Novianti, Ariska
Jurnal Pengabdian Bakti Akademisi Vol 2, No 3 (2025): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v2i3.47846

Abstract

Karangsong Village in Indramayu Regency holds substantial economic potential in the fisheries, tourism, and creative industry sectors. However, more than 70% of Micro, Small, and Medium Enterprises (MSMEs) in the village still rely on conventional marketing methods. Only around 30% utilize social media, and less than 10% have adopted digital branding strategies effectively. The main challenges faced by these MSMEs lie in the areas of production, business management, and marketing particularly in terms of product quality standardization, financial recordkeeping, inventory management, and the implementation of effective digital promotion strategies. This community engagement program aims to enhance the competitiveness of MSMEs through the application of Artificial Intelligence (AI), particularly by utilizing the ChatGPT platform as a tool to improve the efficiency and quality of digital branding. The program is conducted in four stages: socialization to introduce the concept of AI and ChatGPT, technical training and mentoring, monitoring and evaluation of AI implementation outcomes, and the preparation of a final report along with sustainability recommendations. The solutions offered include using ChatGPT to recommend product innovations, develop business plans, generate promotional content, write social media copy, and create customer engagement chatbots. University students are actively involved in the implementation of the program, in alignment with the Merdeka Belajar Kampus Merdeka (MBKM) initiative. Additionally, the program supports the achievement of Sustainable Development Goal (SDG) 9, which focuses on Industry, Innovation, and Infrastructure. The expected outcomes include AI-based marketing strategies that are practical and implementable for MSMEs, as well as enhanced customer engagement through digital media. This initiative is expected to strengthen the digital capacity of Karangsong's MSMEs in facing the challenges of the digital economy.
Pengaruh Perceived Ease of Use dan Perceived Security Terhadap Customer Loyalty Melalui Customer Trust pada Aplikasi Bank Digital Mulia, Hendryawan Cipta; Parlyna, Ryna; Hardini, Inkreswari Retno
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/fr22dh84

Abstract

Customers use of banking services is changing as a result of the growth of digital banking in Indonesia. Customer loyalty is essential to the long-term viability of digital banking use due to the increasingly intense competition. The purpose of this study is to examine how customer loyalty is impacted by perceived security and perceived ease of use, using customer trust as a mediating factor among users of the XYZ Bank application. Data were collected through questionnaires distributed to 150 university students in East Jakarta who are active users of the XYZ Bank application. Structural Equation Modeling based on Partial Least Squares (SEM-PLS) was the data analysis method employed. The findings demonstrate that customer loyalty and customer trust are positively and significantly impacted by perceived security and perceived ease of use. Furthermore, it has been demonstrated that customer trust increases customer loyalty and can moderate the impact of perceived security and perceived ease of use on customer loyalty.
Digital Innovation Capability in MSME Information Systems and Its Impact on Digital Service Quality and Consumer Loyalty in Indonesia Hardini, Inkreswari Retno; Fadlullah, Fauzan; Shabrina, Fildzah; Atmadja, Ferry Setyadi
Jurnal Teknologi Informasi Universitas Lambung Mangkurat (JTIULM) Vol. 11 No. 1 (2026)
Publisher : Fakultas Teknik Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jtiulm.v11i1.513

Abstract

This research looks at the digital innovation capability as part of the structural element of the Micro, Small, and Medium Enterprise (MSME) information systems and its impacts on the quality of digital services and consumer loyalty in the Indonesian Smart Economy environment. Digital innovation is theorized as the system-level potential, which entails the alignment of online ordering frameworks, online payment gateways, platform interoperability, and responsiveness of online services to MSME digital platforms. This study is partaking that instead of digitalization being a marketing program, digitalization is an information systems capability within operational architecture. The quantitative survey methodology was used in this study, where 50 consumers that had completed transactions with technology-based MSMEs participated in the survey. The relationship between digital innovation capability and consumer loyalty was assessed by simple linear regression analysis. The results show that the impact of digital innovation capability on loyalty behavior is highly significant (R² = 0.536, p < 0.05) and that it explains 53.6 percent of the loyalty behavior. These findings indicate that improved system integration leads to perceived quality of digital service, which subsequently intensifies user retention and repeat purchase intentions. This study contributes to information systems research by empirically validating digital innovation capability as a measurable construct in MSME digital platforms and by supporting the development of capability-based digital transformation models within emerging digital ecosystems.
Co-Authors Berutu, Meta Bara Fadlullah, Fauzan Ferry Setyadi Atmadja Mulia, Hendryawan Cipta Novianti, Ariska Purba, Regina Humaningtyas Rehatta, Stanny Dewanty Ryna Parlyna, Ryna Shabrina, Fildzah