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Journal : Journal of Business

Pengaruh Risiko Keamanan, Keuangan dan Sosial terhadap Kepercayaan pada Layanan Mobile Payment Aplikasi Dana Maytita Zafira Putri; Yudi Sutarso; Faizatul Hiqmah
Journal of Business & Banking Vol 11, No 1 (2021): Mei - Oktober 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i1.2667

Abstract

This study aims to analyze the effect of security, financial and social risks on trust in mobile fintech services using the Dana application, with moderation of religiosity. The research hypothesis states that security, financial and social risks negatively affect trust, and religiosity moderates the relationship between social risk and trust. The sampling technique used was pur-posive sampling and data was collected through questionnaires. This study involved 125 respondents, namely users of mobile payment application named Dana, from Surabaya and Sidoarjo area. SEM PLS is used as a structural model testing. The main finding of this study shows that security risk has a negative effect on trust, however, financial risk has unconfirmed a negative effect on trust. A different finding of this study is that social risk has a positive effect on trust. In the relationship between social risk and trust, this study suggest that religiosity unconfirmed moderates the relationship.
SEGMENTASI NASABAH BERDASARKAN GAYA HIDUP PADA UNIT USAHA SYARIAH DI SURABAYA Risky Amalia Hanum; Basuki Rahmat; Yudi Sutarso
Journal of Business & Banking Vol 2, No 1 (2012): Mei 2012
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v2i1.166

Abstract

The research tried to examine the factors that are formed in the customers of syariah banking Unit in Surabaya, to examine the customers segmentation in Surobaya based on the lifestyle,to identify the profile from each customers segment in Surabaya banking unit based on lifestyle, to examine the difference of characteristic among segments which are formed based on lifestyle factor of syariah banking unit customers in Surabaya and to test the difference of characteristic among segments which are formed based on demographic variable on the customers of syariah bonking unit in Surabaya. The researcher distributed 300 and 200 questionnaires were gathered and analyzed. Factor analysis, cluster analysis, cross tab, and chi-square analysis were employed for analyses. It showed that there were nine factors such as brand tryer factor, affecting factor, sensitivity of price factor, sport interest factor, internet user factor, optimism factor, compulsive housekeeper factor, electronic banking user factor and credit assumption factor. The segment formed yields four clusters such as technology user segment, credit user segment, electronic banking user segment, brand user segment. As for the result of chi-square test shows that there are differences in characteristic among segment which are formed based on customers lifestyle factor in syariah banking unit in Surabaya. There was a difference of characteristic among gender, age, education, occupation and duration of being customers.
Pengaruh kegunaan, kesesuaian, keuntungan, motivasi, dan risiko terhadap niat perilaku pada mobile banking Bank Mandiri di Surabaya Muhammad Ilham Mandrata; Yudi Sutarso
Journal of Business & Banking Vol 9, No 1 (2019): Mei - Oktober 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i1.1501

Abstract

Mobile banking, as a banking service, has been popular in a couple of years. In Indonesia, many banks have already this kind of service. The study aims to examine the influence of perceived usefulness, compatibility, relative advantage, hedonic motivation, and perceived risk on customer’s behaviour intention to use mobile-banking of Bank Mandiri in Surabaya. In this research, the data were collected by questionnaires distributed to 125 respondens, using Mandiri mobile-banking. They were selected based on judgement sampling. The data were analyzed using partial least square. It shows that perceived usefulness and relative advantage have a positive effect on behavior intention, but compatibility and hedonic motivation has not. Besides that, perceived risk has negatif effect on the intention to use mobile banking service.
Peran kepercayaan, manfaat dan religiusitas dalam meningkatkan niat menggunakan kembali dompet digital Adinda Ridhia A.N; Yudi Sutarso
Journal of Business & Banking Vol 10, No 2 (2020): November 2020 - April 2021
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v10i2.2172

Abstract

The purpose of this study is to examine the effect of trust and perceived value on continuance intention of payment gateway services with religiosity as moderation variable. This study involves 130 respondents collected through questionnaires in the area of Surabaya and Sidoarjo, East Java. Their responses were analyzed using descriptive analysis with SPSS 16.0 and statistical analysis with WarpPLS 6.0. The results indicate that trust and perceived benefit have positive effect on continuance intention. The moderating role of religiosity has an effect on the relationship between trust and continuance intention. It can be impliead that wallet payment companies should develop their strategies in the future, especially as an evaluation of the performance of their services in fintech competition. They should also provide important information to wallet payment so that they can build trust and perceived benefit that have an impact on continuance intetntion by moderating religiosity to increase the use of wallet payment services.
The effect of perceived quality and value on express delivery services trust during pandemic Covid 19 Firdaus, Fika Fahmi; Sutarso, Yudi
Journal of Business & Banking Vol 12 No 2 (2022): November 2022 - April 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v12i2.3102

Abstract

During the Covid-19 pandemic, public mobility restriction policies were implemented to prevent the new coronavirus spread. In this period, express delivery services have played an essential role in transporting packets between areas supporting everyday life. This study examines the role of perceived quality and value on brand trust in express delivery services, namely J&T Express Indonesia, the top brand courier service in Indonesia. The researchers employed a purposive sampling and involve 162 respondents of the customer. The study collected data through questionnaires and analyzed using the Partial Least Square-Structural Equation Model. The critical finding showed that perceived quality (excitement, enjoyment, bonding with, and reliability) positively affected the perceived value and brand trust. The other result shows that perceived value (good value, acceptable, good deal, competitive, like, feel-good) affected brand trust. The study’s implication suggests the strategy for express delivery services to enhance perceived quality and value for further increasing customer trust.
Pengaruh kualitas, nilai dan kepercayaan terhadap loyalitas merek pada jasa kurir domestik Alimbel, Figo; Sutarso, Yudi
Journal of Business & Banking Vol 13 No 1 (2023): Mei - Oktober 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v13i1.3893

Abstract

Menutup keterbatasan studi dalam mengkonfirmasi pengaruh antaseden loyalitas khsususnya pada jasa kurir domestik pada Jas Pos Indonesia menjadi kontribusi yang diharapkan dari studi ini. Sehingga, studi ini bertujuan menguji pengaruh persepsi nilai, kualitas, dan kepercayaan terhadap loyalitas merek pada pengguna jasa kurir domestik pada Jas Pos Indonesia. Untuk hal tersbeut studi ini menggunakan desain kuantitatif dengan melibatkan 142 sampel yang dipilih dengan teknik purposive sampling, di mana data dikumpulkan melalui kuisioner dan disebarkan kepada pengguna jasa paket di Kabupaten Siak. Tanggapan responden dianalisis dengan analisis deskriptif dan analisis statistik menggunakan SEM WarpPLS. Hasil analisis menunjukkan bahwa persepsi kualitas dan nilai berpengaruh positif terhadap kepercayaan dan loyalitas merek, namun kepercayaan merek tidak terkonfirmasi berpengaruh positif terhadap loyalitas merek. Implikasi studi ini adalah perlunya perusahaan mengembangkan strategi yang digunakan, terutama dalam meningkatkan kinerja dalam menghadapi kompetensi di industri jasa kurir saat ini dengan cara membangun persepsi kualitas dan persepsi nilai yang baik sehingga dapat meningkatkan loyalitas pelanggan.