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All Journal Jurnal Ilmu Sosial dan Humaniora Jurnal Teknologi dan Manajemen Industri Terapan
Tita Safitriawati
Universitas Islam Syekh Yusuf
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Engineering Industrial & Manufacturing Engineering

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The Influence Of Non-Cash Payment Systems On Financial Behavior With Digital Culture As A Moderating Variable Kusiyah; Tita Safitriawati; Dian Indah Sari; Andalia; Endi Rustendi
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 1 No. 3 (2022): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i3.1680

Abstract

This study aims to analyze the influence of cashless payment systems on individual financial behavior, with digital culture as a moderating variable. In an era of rapid technological transformation, the shift from cash-based transactions to digital platforms has changed the way consumers perceive and manage the value of money. Using a quantitative approach, this study evaluates how ease of access and digital payment features trigger different consumption behaviors. The results show that cashless payment systems have a positive and significant influence on financial behavior that tends to be consumptive, but can improve financial record-keeping efficiency if managed properly. Furthermore, digital culture was found to strengthen this influence: individuals with high levels of digital literacy and adaptation were more likely to adopt this payment technology, but were also more prone to impulsive spending. These findings provide important implications for regulators and financial service providers to improve digital financial literacy education to mitigate the risk of negative financial behavior in society.
Pengaruh Kualitas Produk, Electronic Word of Mouth dan Media Sosial terhadap Kepuasan Konsumen Kemeja Muslim Pria Merek Bababita Bandung Alvino Daffa Aryaputra; Imas Sukaesih; Tita Safitriawati
SOSMANIORA: Jurnal Ilmu Sosial dan Humaniora Vol. 4 No. 4 (2025): Desember 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/sosmaniora.v4i4.6235

Abstract

This study aims to evaluate the extent to which product quality, electronic word of mouth (e-WOM), and social media usage influence customer satisfaction of Bababita brand Muslim men's shirts in Bandung. Problems faced by Bababita include suboptimal social media management and minimal e-WOM activity, which has the potential to reduce customer engagement and satisfaction. The approach used is quantitative with the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The research sample consisted of 95 respondents who are Bababita consumers, with data collected through a Likert scale questionnaire and analyzed using SmartPLS 4.0 software. The analysis results show that product quality (path coefficient = 0.45), e-WOM (0.30), and social media (0.20) have a positive and significant effect on customer satisfaction. Simultaneously, these three variables explain 68% of the variation in customer satisfaction (R² = 0.68). This study recommends improving product quality, strengthening e-WOM strategies, and optimizing the use of social media to strengthen customer satisfaction and loyalty in the competitive modest fashion industry in Bandung.
Co-Authors Alvino Daffa Aryaputra Andalia Dian Indah Sari Endi Rustendi Kusiyah Sukaesih, Imas