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Journal : Journal of Economics, Business,

Consumers’ Perspectives toward Car Financing Application: The Case of MIKA Application Diva, Muhammad Fadel; Aprianingsih, Atik
Journal of Economics, Business, and Accountancy Ventura Vol. 25 No. 3 (2022): December 2022 - March 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v25i3.3105

Abstract

Considering that critical factors driving consumer intention to use car financing applications are still unclear, we empirically aim to investigate how substantial perceived usefulness, perceived ease of use, perceived trust, perceived risk, social influence, and attitude influence consumer intention to use car financing. We involved 101 active car financing application users in estimating our proposed research framework and analyzed it through a two-stage PLS-SEM approach using SmartPLS software. We revealed that perceived ease of use has the strongest correlation with attitude toward using car financing applications, and perceived trust has the most substantial influence on the intention to use car financing applications. However, perceived risk is the most determinant factor that should be improved because consumers felt a moderate level of risk when using a car financing application. Practically, this research recommends that car financing providers focus on increasing consumers’ trust and decreasing the risk consumers feel about their application services.
Cashless Society in Progress: Capturing Different Generations’ Perspectives toward External Influence in E-Wallet Usage Adiani, Widyoretno; Aprianingsih, Atik; Purwanegara, Mustika Sufiati
Journal of Economics, Business, and Accountancy Ventura Vol. 24 No. 2 (2021): August - November 2021
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v24i2.2677

Abstract

The use of non-cash transaction, which is currently popular in the public, has made the topic of a cashless society discussed more often. A cashless society is a condition where people transact without using cash money so that it leads to the process from the conventional into the cashless society. In this condition, the involvement of each generation is needed. This study tries to investigate how each generation's perspective—both the younger generation and the older generation, toward the external factors, namely social influence, government support, and network externalities—affect their use of non-cash transactions in the form of e-wallet. The data were collected using focus group discussion (FGD) and a survey of 489 respondents. The data were analyzed using PLS-SEM. This research reveals how different generations have a different perspective on e-wallet and the government support has a more significant influence on the older generation than the younger generation, who tend to be more influenced by peers or family. However, both generations emphasized how the network externalities influenced the continuance usage in this service. This result implies the importance of e-wallet service providers to expand the network and collaborating with various actors to retain customers.
Consumers’ Perspectives toward Car Financing Application: The Case of MIKA Application Diva, Muhammad Fadel; Aprianingsih, Atik
Journal of Economics, Business, and Accountancy Ventura Vol. 25 No. 3 (2022): December 2022 - March 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v25i3.3105

Abstract

Considering that critical factors driving consumer intention to use car financing applications are still unclear, we empirically aim to investigate how substantial perceived usefulness, perceived ease of use, perceived trust, perceived risk, social influence, and attitude influence consumer intention to use car financing. We involved 101 active car financing application users in estimating our proposed research framework and analyzed it through a two-stage PLS-SEM approach using SmartPLS software. We revealed that perceived ease of use has the strongest correlation with attitude toward using car financing applications, and perceived trust has the most substantial influence on the intention to use car financing applications. However, perceived risk is the most determinant factor that should be improved because consumers felt a moderate level of risk when using a car financing application. Practically, this research recommends that car financing providers focus on increasing consumers’ trust and decreasing the risk consumers feel about their application services.
Co-Authors Abdurrahman, Vidi Adhipradana Syafii, Ardiman Adiani, Widyoretno Agus Santoso Amalia, Rizkia Aminuddin, Rahmat Ridlo Anggawidjaja, Agus Hasan Pura Anggini, Devia Mahartika Anggun Siwi Murwati Ardicho Rahman Fatonny Art’sera Esti Widiyastuti Budiyono, Eric Angga Bustaman, Muhammad Khairil Chandra, William Alden Dalzi R. Danil, Dalzi R. Debby, Teresia Diva, Muhammad Fadel Eliandri Shintani Wulandari, Eliandri Shintani Fabilia, Safira Fadhil Ghalib Agam, Fadhil Ghalib Faishal Tanjung Maoludyo, Faishal Tanjung Fathia Rachmah, Amalia Febiya Anggayesti Handayani Gina Nurfitriani, Gina Hakim, An Nahl Akmal Harimukti Wandebori Hidayat, Malvin Ichsan Muhammad Nurjaman, Ichsan Muhammad Ida Farida Imran, Jovanska Arfianda Ira Fachira Kartika, Kristi Ka’bah, Indi Rafiyal Koconingrahayu, Dewi Wahyu Limawan, Alvin Nathanael Maharatie, Andhiny Puspa Mangngalle, Riska Indriyani Mohamad Toha Mustika Sufiati Purwanegara Nabila Syahputri, Nabila Nabilah Setiawan, Adelia Natawiria, Nikolas Dalle Bimo Noorfazia Indriani, Delvina Nurfatiasari, Safrani Nusantara, Bambang D.A. Pardede, Bonita Praditya Dwi Wicaksono, Praditya Dwi Pratiwi, Lintang Primadana, Ligasyah Arnanda Putri, Marsha Rachmanda Putri, Nadila Vedania Rachmanda Putri, Marsha Raden Roro Shafira Meisy Sudarsono Rahmandi*, Dwinan Ramadhany, Fitri Ramdani, Muhammad Abdilah Rasyida, Reyna Aszzura Renaldo Wijaya, Renaldo Reza Ashari Nasution Rima Elya Dasuki Sadri, Ilman Sahara, Shifa Hustima Salsabila, Regina Setiawan, Margareth Shubhi, Kannida Puspa Siara, Sabina Sihotang, Davy Andriansyah H Sofyan, Mahardhika Dwi Ananta Sunanta, Grace Rosaline Syafira Rachmat, Shifa Tarigan, Renalta Thalib, Karimah V. J. Wisnu Wardhono Virkar, Kaustubh Wahyu Apriyantopo Wahyudi, Setto Lintang Agung Wardhono, VJ Wisnu Wenty Gafrina Martin, Wenty Gafrina Wibowo, Annisha Ananda Putri Widyaputri, Naja Ghassani Widyasthana, G.N. Sandhy Yuliana, Putri Dewi