Garuda - Garba Rujukan Digital

The Factors Influencing Intention To Use Mobile Banking Among Generation Y And Z Sabilla, Anisa Moza; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Moneter: Jurnal Keuangan dan Perbankan Vol. 12 No. 2 (2024): JULI
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Advancements in information technology have accelerated the global expansion of the internet, proceed the financial sector to have a major shift. The mobile banking apps growth is one of the most significant advances that is transforming the business. While these digital services provide several benefits to customers, they are also vulnerable to possible cyber threats. The digital transformation of banking has highlighted various key challenges, including cyberattacks, banking fraud, hacking, phishing, and the significance of security awareness. SEM PLS is used in data analysis, and 400 respondents from Generation Y and Z. Identifying the factores affecting the intention to use mobile banking is the purporse of this study. Therefore, this study found that perceived security, perceived privacy, security awareness, and trust are key factor in influencing the intention to use. Moreover, trust also plays a big role that has significacnt and positive impact on the intention of using mobile banking, with perceived usefulness as a moderator.

Factor affecting islamic fintech adoption by Gen Z in West Java with religion as moderating variable Br Siregar, Kristina Valentina; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Keynesia : International Journal of Economy and Business Vol. 3 No. 2 (2024): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v3i2.1277

In the age of fast digitalization, it’s crucial to comprehend the consumer behavior of the younger generation, particularly in relation to the acceptance of Islamic fintech. This research aims to study the factors that influence Gen Z in adopting Islamic fintech and investigate the potential impact of Religious Orientation. The study uses a questionnaire to collect data from 311 Gen Z in West Java, using SEM-PLS to evaluate the research model and test hypotheses. The results of Smart PLS path analysis revealed that several factors significantly influenced the adoption of Islamic fintech. In particular, perceived risk, financial literacy, perceived benefits and trust, were identified as very important determinants in shaping Gen Z's decision to adopt Islamic fintech. In addition, this study also reveals the important role of religious orientation as a moderator that influences the relationship between perceived risk, perceived benefit, and trust towards the adoption of Islamic fintech by Gen Z in West Java. This study adds to the existing literature on Islamic Fintech adoption and improves understanding of the key drivers in this domain. In addition, this study emphasizes how religious orientation can influence individual attitudes and behaviors regarding the adoption of Islamic Fintech.

Design Analysis to Enhance Financial Education for Student Entrepreneurs in University Iradianty, Aldilla; Sitorus, Palti Marulitua
Asia Pacific Journal of Management and Education (APJME) Vol 7, No 2 (2024): July 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v7i2.2998

Telkom University organizes an entrepreneurship program that serves entire students who want to start a business with a selection method to be incubated for one semester or more. Doing business for Student Entrepreneurship (SE) requires financial management expertise because it is very important to ensure that products are in line with expectations and efficient use of resources to maximize business profits. Financial skills are also important in running businesses. From that, the university holds learning finance management in the process of business incubation, but SE feels learning financial management is not interesting. Therefore, this research aims to discuss the needs of financial management for SE, lecturers, and universities with a qualitative approach through focus group discussion. The study's key findings are that SE needs to learn about financial statements. They also expect this to be done automatically on a digital basis that is easy to use, so entrepreneurial students can take advantage of the automatically generated data for proper decision-making and can focus on the creative and innovative aspects of the product. Financial apps for financial statements could potentially be made by digital software developers.

The Influence of attitude, subjective norm, awareness, knowledge, and trust of Millennial and Gen Z on the adoption of fintech services in the sharia banking sector with facilitating conditions as a moderating variable Kusbiantara, Elvara Hana Salsabila; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Keynesia : International Journal of Economy and Business Vol. 4 No. 1 (2025): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v4i1.1288

Financial Technology (FinTech) has become a major innovation that influences people's financial behavior, changing the way payments are made easier. This research aims to study the factors that influence Millennials and Gen Z in Bandung in adopting FinTech services in the Sharia banking sector. These factors include attitudes, subjective norms, awareness, knowledge, trust and facilitating conditions. The data used in this research was collected through a questionnaire surveying 400 Sharia banking customers, limited to Millennials and Gen Z in Bandung. Data analysis carried out in this research using Partial Least Square Structural Equation Modeling (PLS-SEM). The findings of this study reveals that attitude, subjective norms, awareness, knowledge, and trust significantly influence consumer’s intention to adopt FinTech services. This study also identifies that facilitating conditions, as a moderating factor, have a significant impact on both attitudes and awareness with regard to consumers' intentions to adopt FinTech services. However, facilitating conditions does not moderate the influence of subjective norms, knowledge, or trust on intention to adopt FinTech services. Fundamentally, this study investigates the factors influencing Sharia bank consumer's intentions to adopt FinTech services. The findings aim to provide valuable insights for FinTech and Sharia banking companies, as well as policymakers, in designing marketing strategies and product development that better align with the needs and preferences of Millennials and Gen Z.

Relationship between peer-to-peer lending model improvement and customer satisfaction for company reputation Fasha, Muhamamd Aderaka; Soma, AM; Sitorus, Palti Marulitua
Jurnal Ekonomi dan Bisnis Vol. 28 No. 1 (2025)
Publisher : Fakultas Ekonomika dan Bisnis Universitas Kristen Satya Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24914/jeb.v28i1.13137

This research examines the importance of company reputation for business growth, sustainability and success, because corporate reputation is an intangible asset for the management of all companies. Facing the challenges posed by the traditional banking system, SMEs are often prevented from obtaining the financing they need to grow and develop. This research aims to analyze the relationship between improving the peer-to-peer (P2P) lending model and customer satisfaction in order to maintain the company's reputation, with a case study at PT Amartha. Through a quantitative analysis approach, this research uses measurements that utilize a Likert scale with the population being users of the Amartha Peer to Peer (P2P) lending platform. This research uses the Structural Equation Modeling (SEM) data analysis method processed with SmartPLS. Based on the analysis carried out, the findings in this research show that operational efficiency, service innovation and process speed have a positive effect on the company's reputation. Apart from that, it is hoped that PT Amartha will continue to maintain customer satisfaction by adding new innovations or breakthroughs and improving service performance so that satisfaction levels increase and encourage a good company reputation.

The influence of using fintech P2P Lending and QRIS on MSME performance with e-commerce as an intervening variable Driana, Thasania Fitri; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Keynesia : International Journal of Economy and Business Vol. 4 No. 1 (2025): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v4i1.1263

The growth of Financial Technology (Fintech) in Indonesia, particularly Peer-to-Peer (P2P) lending services, has significantly impacted financing access for Small and Medium Enterprises (SMEs) by facilitating loans through digital platforms. This serves as a vital alternative amid traditional financial constraints, promoting the development of Microfinance Institutions (MFIs). Concurrently, e-commerce transformation and Quick Response Code Indonesian Standard (QRIS) implementation have accelerated digital economy growth, enabling SMEs to expand their businesses and reach broader markets. Nonetheless, challenges such as enhanced governance, risk management, and regulatory adaptation remain crucial for supporting sustainable SME growth. This study investigates the effect of P2P Lending and QRIS on SME performance via e-commerce in Bandung City. Using quantitative research methods and a Likert scale, the study surveyed a population of 523,584 SMEs, targeting 300 respondents. Data analysis was conducted using Structural Equation Modeling (SEM) with SmartPLS. Results indicate a significant impact of P2P Lending and QRIS on SME performance through e-commerce, with P2P Lending contributing an influence of 0.109, QRIS 0.121, and e-commerce 0.329. These findings aim to enhance understanding of how P2P Lending and QRIS affect SME performance via e-commerce.

Factors Influencing Fintech Adoption Among MSME’s in Bandung West Java Indonesia Jimmy Julio Ratu Edo; Abdul Mukti Soma; Palti Marulitua Sitorus
JASF: Journal of Accounting and Strategic Finance Vol. 7 No. 2 (2024): JASF (Journal of Accounting and Strategic Finance) - December 2024
Publisher : Accounting Department, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jasf.v7i2.486

The purpose of this study was to identify and quantify the factors impacting the adoption of fintech by micro, small, and medium-sized enterprises (MSMEs) in Bandung. The factors are perceived ease of use, perceived utility, financial literacy, user innovation, government assistance, and trust. Based on the data gathered, this study comprised 356 participants who are either performers or owners of Micro, Small, and Medium Enterprises (MSMEs) in Bandung. The correlation between variables is investigated in this study utilising the Partial Least Squares (PLS) data analysis approaches and SmartPLS v 3.2.9 software. The results of the study show that perceived simplicity of use, perceived usefulness, user innovativeness, and trust all have a major impact on Fintech acceptance. In contrast, financial literacy and government backing have no substantial impact on fintech uptake. This study emphasizes the importance of fintech service providers to prioritize ease of service and build trust..Then the government ought to accelerate the development of information and communication technology (ICT) infrastructure, such as expanding mobile broadband coverage and promoting Fintech companies through advantageous laws. Incorporating financial literacy into the school curriculum may help to reduce information asymmetry and improve financial accessibility, hence promoting the growth of MSMEs.

Factor affecting islamic fintech adoption by Gen Z in West Java with religion as moderating variable Br Siregar, Kristina Valentina; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Keynesia : International Journal of Economy and Business Vol. 3 No. 2 (2024): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v3i2.1277

In the age of fast digitalization, it’s crucial to comprehend the consumer behavior of the younger generation, particularly in relation to the acceptance of Islamic fintech. This research aims to study the factors that influence Gen Z in adopting Islamic fintech and investigate the potential impact of Religious Orientation. The study uses a questionnaire to collect data from 311 Gen Z in West Java, using SEM-PLS to evaluate the research model and test hypotheses. The results of Smart PLS path analysis revealed that several factors significantly influenced the adoption of Islamic fintech. In particular, perceived risk, financial literacy, perceived benefits and trust, were identified as very important determinants in shaping Gen Z's decision to adopt Islamic fintech. In addition, this study also reveals the important role of religious orientation as a moderator that influences the relationship between perceived risk, perceived benefit, and trust towards the adoption of Islamic fintech by Gen Z in West Java. This study adds to the existing literature on Islamic Fintech adoption and improves understanding of the key drivers in this domain. In addition, this study emphasizes how religious orientation can influence individual attitudes and behaviors regarding the adoption of Islamic Fintech.

The Influence of attitude, subjective norm, awareness, knowledge, and trust of Millennial and Gen Z on the adoption of fintech services in the sharia banking sector with facilitating conditions as a moderating variable Kusbiantara, Elvara Hana Salsabila; Soma, Abdul Mukti; Sitorus, Palti Marulitua
Keynesia : International Journal of Economy and Business Vol. 4 No. 1 (2025): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v4i1.1288

Financial Technology (FinTech) has become a major innovation that influences people's financial behavior, changing the way payments are made easier. This research aims to study the factors that influence Millennials and Gen Z in Bandung in adopting FinTech services in the Sharia banking sector. These factors include attitudes, subjective norms, awareness, knowledge, trust and facilitating conditions. The data used in this research was collected through a questionnaire surveying 400 Sharia banking customers, limited to Millennials and Gen Z in Bandung. Data analysis carried out in this research using Partial Least Square Structural Equation Modeling (PLS-SEM). The findings of this study reveals that attitude, subjective norms, awareness, knowledge, and trust significantly influence consumer’s intention to adopt FinTech services. This study also identifies that facilitating conditions, as a moderating factor, have a significant impact on both attitudes and awareness with regard to consumers' intentions to adopt FinTech services. However, facilitating conditions does not moderate the influence of subjective norms, knowledge, or trust on intention to adopt FinTech services. Fundamentally, this study investigates the factors influencing Sharia bank consumer's intentions to adopt FinTech services. The findings aim to provide valuable insights for FinTech and Sharia banking companies, as well as policymakers, in designing marketing strategies and product development that better align with the needs and preferences of Millennials and Gen Z.

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