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All Journal International Journal of Artificial Intelligence Research Journal of Economic, Bussines and Accounting (COSTING) Journal on Education Jesya (Jurnal Ekonomi dan Ekonomi Syariah) MANAZHIM Dinasti International Journal of Management Science Jurnal Pendidikan dan Kewirausahaan Dinasti International Journal of Digital Business Management Enrichment : Journal of Management Literatus Jurnal Scientia Journal of Industrial Engineering & Management Research (JIEMAR) International Journal of Social and Management Studies (IJOSMAS) Jurnal Kewarganegaraan Warta Pendidikan : Jurnal Pendidikan dan Budaya Dynamic Management Journal International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal Ekonomi International Journal of Education, Social Studies, And Management (IJESSM) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Pengabdian Mandiri Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal bintang manajemen International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (Jebisma) Journal of Innovative and Creativity Jurnal Pengabdian Masyarakat Greenation International Journal of Economics and Accounting Ulil Albab Ekopedia: Jurnal Ilmiah Ekonomi JCRIM (Journal of Current Research In Multidisciplinary)
Joko Ariawan
Universitas Bina Sarana Informatika
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Journal : Jurnal Scientia

 1 
ANALYSIS OF THE INFLUENCE OF DIGITAL MARKETING AND RISK PERCEPTION ON CUSTOMER DECISIONS IN USING SHARIA BANKING MOBILE APPLICATION Frans Sudirjo; Tanti Widia Nurdiani; Joko Ariawan; Ghalib Suprianto; Andriya Risdwiyanto
Jurnal Scientia Vol. 12 No. 04 (2023): Education, Sosial science and Planning technique, 2023, Edition September-Nov
Publisher : Sean Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58471/scientia.v12i04.1951

Abstract

Mobile banking is a digital service product provided by banks to facilitate daily transactions. In Indonesia, there is sharia-based mobile banking. However, there are still many customers who have not utilized digital mobile banking services. This is partly influenced by digital marketing promotions that have not been optimal. Not only that, the increasing risk of cybercrime makes customers have a negative perception of the use of mobile banking and prefer to use an automatic teller machine. The study seeks to determine whether risk perception and digital marketing have an impact on consumers' decisions to utilize mobile banking. This study employed a quantitative methodology and gathered data from a sample of 100 participants. The normality test, multicollinearity test, heteroscedasticity test, and hypothesis test (t test, f test, and R2 test) are the data analysis procedures employed. The study's findings demonstrate a favorable relationship between perceived risk and digital marketing's ability to influence consumer choices. The results of the test for coefficient of determination yielded an R2 value of 0.75, or 75%. Customers' decisions to utilize mobile banking are influenced by digital marketing outcomes and risk perception, while the remaining percentage is explained by factors other than the independent variables employed in the study.
ANALYSIS OF THE INFLUENCE OF DIGITAL MARKETING AND RISK PERCEPTION ON CUSTOMER DECISIONS IN USING SHARIA BANKING MOBILE APPLICATION Frans Sudirjo; Tanti Widia Nurdiani; Joko Ariawan; Ghalib Suprianto; Andriya Risdwiyanto
Jurnal Scientia Vol. 12 No. 04 (2023): Education, Sosial science and Planning technique, 2023, Edition September-Nov
Publisher : Sean Institute

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

Abstract

Mobile banking is a digital service product provided by banks to facilitate daily transactions. In Indonesia, there is sharia-based mobile banking. However, there are still many customers who have not utilized digital mobile banking services. This is partly influenced by digital marketing promotions that have not been optimal. Not only that, the increasing risk of cybercrime makes customers have a negative perception of the use of mobile banking and prefer to use an automatic teller machine. The study seeks to determine whether risk perception and digital marketing have an impact on consumers' decisions to utilize mobile banking. This study employed a quantitative methodology and gathered data from a sample of 100 participants. The normality test, multicollinearity test, heteroscedasticity test, and hypothesis test (t test, f test, and R2 test) are the data analysis procedures employed. The study's findings demonstrate a favorable relationship between perceived risk and digital marketing's ability to influence consumer choices. The results of the test for coefficient of determination yielded an R2 value of 0.75, or 75%. Customers' decisions to utilize mobile banking are influenced by digital marketing outcomes and risk perception, while the remaining percentage is explained by factors other than the independent variables employed in the study.
Co-Authors Abdurohim Abdurohim, Abdurohim Aditya Wardhana Agni Isador Harsapranata Ahmad Junaidi Ainil Mardiah Al Gazali Al Ghazali Alam, A. Aminullah Ana Ramadhayanti Andina Dwijayanti Andri Rizko Yulianto Andriya Risdwiyanto Annisa Purwandari Aprillia Arief Nuryana Aris Hidayat Aris Hidayat Aris Hidayat Aris Kurniawan Aris Kurniawan ARIS KURNIAWAN Ariyanto Ariyanto Budi Akhmad Tarigan Budi Harto Citra Arta, Deddy Novie Dede Mustomi Dede Suleman desi kristanti, desi Devy Sofyanty Dewi Astuti Dewi Astuti Dewi Astuti Dinar Riftiasari Dirgahayu Erri Dwi Aprilyani Dwi Setyaningrum, Etik Elizabeth Yohanes Endang Fatmawati Enos Lolang Ericka Yolandasari Eulin Karlina Faizah, Ana Fildzah Shabrina Frans Sudirjo Frans Sudirjo Fransiska Alvianti Bali Gani Wiharso Ghalib Suprianto Ghalib Suprianto Helmy Ivan Taruna Hendy Tannady Herudini Subariyanti I Ketut Suada Ibrahim Sevin Kurnia Ida Zuniarti Ida Zuniarti, Ida Ilham Arief Irvan Dwi Cahyo Irzan Soepriyadi Iwan Henri Kusnadi Jefri Putri Nugraha Johan Hendri Prasetyo Johan Hendri Prasetyo Juliawati, Poniah Julistyono Widodo Karlina, Eulin Kelvin Pangestu Kiki Setyawati Kusnadi, Iwan Henri Kusumaningrum, Aliffah Kusumowardani La Mema Parandy Lotte, Luckhy Natalia Anastasye Lukman Hakim Magdalena Magdalena Magdalena Magdalena Mega Rossalia Nopier Aristia Misbahul Munir Moh. Samsul Arifin Muh. Rezky Naim Mustafa, Fahrina Najihatul Faridy Notosudjonor, Didik Nuraeni Nurdiani, Tanti Widia Nurhayaty, Ety Nuryana, Arief Nyoman Suardhita nyoman suardhita, nyoman Ohara, Muammar Revnu Prasetyo, Johan Hendri Puji Yuniarti Puspasari, Aprilia Putri Ekaresty Haes Raden Ati Haryati Rasty Yulia Roy Irawan Roydawaty Safrida Sari, Ade Risna Shafa Kirana Sinta Rukiastiandari Siti Toipah Sofyan Marwansyah Sri Rusiyati Sudadi Sugiarti Sugiarti Sugiarti Sugiarti Sunaryo, Widodo Suryaningsih, Lilik Syukron Sazly Taat Kuspriyono, Taat Tanti Widia Nurdiani Tanti Widia Nurdiani Tengku Riza Zarzani N Tirwan Uli Wildan Nuryanto Wahid Akbar Basudani Wahid Wahid, Wahid Warsono Warsono Wiwin Wianti, Wiwin Wuryanti, Lestari Yohanes Totok Suyoto Yudha Julio Masdha Yulianah Yulianah Zahra Zahra