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All Journal Jurnal Manajemen Teknologi Jurnal Sosioteknologi Jurnal Manajemen Dan Kewirausahaan Jurnal Mirai Management Jurnal Manajemen Indonesia Jurnal Mitra Manajemen EKONOMIS : Journal of Economics and Business Jurnal Manajemen Strategi dan Aplikasi Bisnis YUME : Journal of Management Majalah Ilmiah UNIKOM Maker: Jurnal Manajemen JURNAL MANAJEMEN JURNAL LENTERA BISNIS Besaung : Jurnal Seni Desain dan Budaya Ilomata International Journal of Management Widya Komunika: Jurnal Komunikasi Pendidikan Cakrawala Repositori Imwi Economics and Digital Business Review Journal of Economics and Business UBS Ilomata International Journal of Management Jurnal Ekonomi Journal of Tourism Sustainability Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Jurnal Pengabdian Masyarakat Akademisi Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) eProceedings of Management Community Service Seminar and Community Engagement (COSECANT)
Refi Rifaldi Windya Giri
Universitas Telkom
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Analisis Digital Divide Terhadap Penggunaan Mobile Banking Di Kota Purwokerto Dinda Varas Sagita; Refi Rifaldi Windya Giri
Jurnal Mirai Management Vol 8, No 1 (2023)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v8i1.3728

Abstract

Technological developments in the era of the digital economy (Industrial Revolution 4.0) are unavoidable, one of the uses that is currently developing a lot is the digital payment system which is growing rapidly. The banking industry is one of the industries that participates in taking advantage of technological developments where banks innovate to develop companies. This is realized by the banking sector by developing a service system for customers in the form of mobile banking. However, it is necessary to know clearly whether the use of mobile banking in Indonesia is evenly distributed in every province, for this reason this research is aimed at finding out whether there is a digital gap in the use of mobile banking applications, especially in Purwokerto City. This study aims to find out whether the digital divide which has four stages which become variables in this study, namely motivation, physical and material access, mobile banking skills, and usage influence each other. In addition, it is also to find out whether the moderating variables, namely gender, age, and education each have an influence on the relationship between these variables. The method used in this research is using quantitative methods and using PLS-SEM analysis. The number of respondents in this study amounted to 305 respondents who were obtained through distributing questionnaires. The sampling technique was carried out using non-probability sampling with purposive sampling method. Data is processed using WarpPLS 7.0 software. The results of this study indicate that the variables motivation, physical and material access, mobile banking skills, and usage are significant. Which means there is no digital divide in the use of mobile banking. And these four variables affect the use of mobile banking. This research is used to assist the banking industry in evaluating its business, especially in digital banking. Apart from that, the government still needs to carry out more comprehensive digital literacy for Indonesian people, especially in rural areas. Keywords: Digital divide, Mobile banking, Consumer Behavior.
Analisis Pengaruh Digital Divide terhadap Penggunaan Mobile Banking di DKI Jakarta Dina Hanifah; Refi Rifaldi Windya Giri
YUME : Journal of Management Vol 5, No 1 (2022)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v6i1.3724

Abstract

Perkembangan teknologi informasi dan komunikasi sangat berdampak pada lingkungan bisnis khususnya pada industri keuangan pada perbankan. Indutrsi perbankan salah satu yang memanfaatkan perkembangan teknologi tersebut dengan memberikan layanan dan fasilitas yang diberikan untuk nasabah. Berdasarkan dari fenomena Gap atau kesenjangan di Indonesia yang memperlihatkan bahwa setiap individu yang mengakses internet kurang dari total pengguna smartphone di Indonesia, serta kecilnya angka dalam mengakses konten mobile banking. Pemilihan subjek pada penelitian ini yaitu di DKI Jakarta yang merupakan ibu kota Indonesia yang memiliki tingkat per kapita tertinggi dan didukung dengan keadaan infrastruktur serta kemudahan layanan akses internet yang sangat memadai, tetapi memiliki angka tamatan sekolah yang rendah dengan literasi digital yang rendah. Penelitian ini berusaha untuk memprediksi apakah pada kota tersebut masih terdapat kesenjangan digital khususnya pada penggunaan mobile banking. Penelitian ini menggunakan metode kuantitatif dengan teknik analisis SEM-PLS pada model struktural untuk melihat hubungan antar variable laten dengan total sampel sebanyak 305 responden yang merupakan pengguna mobile banking, penelitian ini menggunakan software WarpPLS 7.0 untuk membantu dalam menganalisis data. Hasil penelitian menunjukkan bahwa 4 variabel tahapan dalam penggunaan teknologi mobile banking mulai dari motivation, physics and material access, mobile banking skill dan usage saling berpengaruh positif dan signifikan pada penggunaan mobile banking di DKI Jakarta. Mobile banking skill sebagai prediktor paling kuat pengaruhnya pada usage dalam penggunaan mobile banking Kata Kunci : Mobile Banking, Digital Divide, Usage, WarpPLS7.0
Analisis Pengaruh Digital Divide Terhadap Penggunaan Mobile Banking di Kota Bontang Muhammad Ramadhaniansyah; Refi Rifaldi Windya Giri
Economics and Digital Business Review Vol. 4 No. 1 (2023): Agustus - January
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v4i1.427

Abstract

Dinamisasi kemajuan teknologi telah membawa peralihan besar khususnya bagi transaksi perbankan khususnya mobile banking. Selain didukung oleh populasi penduduk, perkembangannya juga didukung oleh penyebaran internet seperti halnya di Indonesia. Namun masih terdapat kesenjangan dalam penyebaran internet seperti pulau Jawa (43,9%) dan Kalimantan (4,88%). Bontang yang merupakan bagian dari provinsi Kalimantan Timur mencerminkan rendahnya persebaran akses internet di samping daya saing digital yang juga rendah. Penelitian dilakukan dengan tujuan mengkaji pengaruh digital divide terhadap penggunaan mobile banking di Kota Bontang. Populasi penelitian adalah masyarakat Kota Bontang yang menggunakan mobile banking dengan jumlah sampel 353 responden. Penelitian ini menggunakan teknik purposiveness-sampling dan selanjutnya akan dianalisis menggunakan SEM-PLS. Hasil penelitian menunjukkan bahwa berdasarkan hasil analisis yang dilakukan tidak terdapat kesenjangan digital yang mencakup (motivation, physical & material access, mobile banking skill dan usage) dalam adopsi masyarakat Kota Bontang menggunakan mobile banking. Namun demikian, terdapat perbedaan cara adopsi masyarakat dari sisi variabel moderator yang mencakup pendidikan, jenis kelamin serta usia terhadap variabel laten yang diteliti
Analisis Faktor-Faktor Yang Membentuk Digital Skill Pada Penggunaan Mobile Banking Di Kota Medan Yudial Hukama; Refi Rifaldi Windya Giri
YUME : Journal of Management Vol 6, No 2 (2023)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v6i2.3836

Abstract

Penelitian ini mengambil obyek pada pengguna mobile banking di kota Medan. Penelitian ini bertujuan untuk menemukan faktor-faktor yang membentuk digital skill pada pengguna mobile banking khususnya di kota Medan. Sampel yang diambil sebanyak 348 responden dengan menggunakan metode non-probability sampling dimana hanya sebagian populasi yang dijadikan sampel dengan laki-laki dan perempuan berusia >18 yang menggunakan mobile banking serta berdomisili di kota Medan. Alat analisis data menggunakan teknik Exploratory Factor Analysis (EFA). Hasil pengujian menunjukkan bahwa terdapat 5 faktor yang dapat membentuk digital skill pada penggunaan mobile banking di kota Medan. Faktor-faktor tersebut adalah Mobile Operational Skill, Information Navigation Skill, Operational Skill, Creative Skill, dan Social Skill. Berdasarkan hasil analisis yang dilakukan, faktor Mobile Operational Skill merupakan faktor yang paling dominan dibandingkan dengan faktor-faktor lainnya, sehingga dapat disimpulkan bahwa faktor Mobile Operational Skill merupakan faktor utama yang membentuk digital skill pada penggunaan mobile banking khususnya di kota Medan. KataKunci:  Consumer Behavior, Digital Skills, Mobile BankingAbstractThis research took the object of mobile banking users in the city of Medan. This study aims to find the factors that shape digital skills in mobile banking users, especially in the city of Medan. The sample taken was 348 respondents using the non-probability sampling method where only part of the population was sampled  with men and women aged >18 who used mobile banking and were domiciled in the city of Medan. The data analysis tool uses the Exploratory Factor Analysis (EFA) technique. The test results show that there are 5 factors that can form digital skills in the use of mobile banking in the city of Medan. These factors are Mobile Operational Skill, Information Navigation Skill, Operational Skill, Creative Skill, and Social Skill.  Based on the results of the analysis carried out, the Mobile Operational Skill factor is the most dominant factor compared to other factors, so it can be concluded that the Mobile Operational Skill factor is the main factor that forms digital skills in the use of mobile banking, especially in the city of Medan. Keywords: Consumer Behavior, Digital Skills, Mobile Banking
KEGIATAN PENDAMPINGAN DAN PELATIHAN DIGITAL MARKETING PADA SMK TELKOM MEDAN 1 Rah Utami Nugrahani; Heppy Millanyani; Refi Rifaldi W.G.
Prosiding COSECANT : Community Service and Engagement Seminar Vol 2, No 2 (2022)
Publisher : Universitas telkom

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (297.156 KB) | DOI: 10.25124/cosecant.v2i2.18649

Abstract

Kegiatan Penerimaan Peserta Didik Barua tau bisa disingkat menjadi PPDB menghadapi tantangan tersendiri bagi SMK Telkom Medan 1, hal ini karena selama 2 tahun sejak awal tahun 2020 dihadapkan pada kondisi pembatasan mobilitas yang dikenal dengan nama PSBB atau PPKM. Aktifitas PPDB yang senantiasa dilakukan secara onsite atau tatap muka berubah 360 derajat menjadi dilakukan secara online. Perubahan bentuk kegiatan secara menyeluruh ini menjadi kendala besar bagi seluruh tim PPDB SMK Telkom Medan 1. Berbagai upaya digital marketing dilakukan namun dirasa belum dapat mencapai target secara maksimal. Berangkat dari masalah tersebut maka tim Dosen Faluktas Komunikasi dan Bismis dan Fakultas Ekonomi dan Bisnis Universitas Telkom menawarkan sinergi daam bentuk pemberian pelatihan serta pendampingan Digital Marketing yang bertujuan untuk sharing knowledge mengenai pendekatan yang bisa dilakukan untuk mendorong upaya Digital Marketing lebih maksimal dalam mencapai targetnya.Kata Kunci: digital marketing, PPDB
Digital Skill Confirmation Factor Analysis on the Use of Mobile Banking Services in the City of Surakarta Meutria Salma; Refi Rifaldi Windya Giri
Ilomata International Journal of Management Vol 4 No 2 (2023): April 2023
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijjm.v4i2.756

Abstract

This study conducted in Surakarta, Indonesia aimed to examine the relationship between digital skills and mobile banking usage using Confirmatory Factor Analysis. The study revealed that operational mobile skills, information navigation skills, creative skills, and social skills were the factors that influenced mobile banking usage. However, despite the rapid development of mobile banking, there was still a digital divide. The study recommends modifying the index through Exploratory Factor Analysis for future research. The findings emphasize the significance of digital skills in mobile banking and can be useful for policymakers, mobile banking service providers, and users in Surakarta, Indonesia. This study contributes to the understanding of the relationship between digital skills and mobile banking usage and highlights the need for digital skill development in accessing mobile banking services in Surakarta, Indonesia.
Digital Skill Confirmation Factor Analysis on the Use of Mobile Banking Services in the City of Surakarta Meutria Salma; Refi Rifaldi Windya Giri
Ilomata International Journal of Management Vol 4 No 2 (2023): April 2023
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijjm.v4i2.756

Abstract

This study conducted in Surakarta, Indonesia aimed to examine the relationship between digital skills and mobile banking usage using Confirmatory Factor Analysis. The study revealed that operational mobile skills, information navigation skills, creative skills, and social skills were the factors that influenced mobile banking usage. However, despite the rapid development of mobile banking, there was still a digital divide. The study recommends modifying the index through Exploratory Factor Analysis for future research. The findings emphasize the significance of digital skills in mobile banking and can be useful for policymakers, mobile banking service providers, and users in Surakarta, Indonesia. This study contributes to the understanding of the relationship between digital skills and mobile banking usage and highlights the need for digital skill development in accessing mobile banking services in Surakarta, Indonesia.
DIGITAL GAP ANALYSIS IN THE USE OF MOBILE BANKING APPLICATIONS IN THE CITY OF BANDUNG Ryan Hafizh Kharisma; Refi Rifaldi Windya Giri
JURNAL MANAJEMEN MAKER STIE SULTAN AGUNG Vol 9, No 1 (2023): Volume 9 Nomor 1 Tahun 2023
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/mjm.v9i1.533

Abstract

This research discusses the digital divide in the use of mobile banking applications in the city of Bandung, Indonesia, where the use of mobile banking is still relatively minimal compared to other bank services. The study aims to analyze the digital divide based on four stages of using digital technology, which are motivation, physical access and material access, mobile banking skills, and usage. The author uses quantitative methods with the PLS-SEM multivariate analysis technique to determine the relationship between predetermined variables. For data processing, the author uses WarpPLS 8.0 where the data processed is based on samples taken through non-probability sampling using the purposive sampling method with a total of 300 respondents taken from part of the population of Bandung City who use mobile banking applications. Based on research that has been carried out by the author, it was obtained that the variables motivation, physical access and material access, mobile banking skills, and usage are stated to be significant. This shows that there is no digital divide in the use of mobile banking applications in the city of Bandung.
The Effect Of Endorser Credibility On Purchase Intention Mediated By Brand Attitude And Brand Credibility On Online Travel Agent Traveloka Refi Rifaldi Windya Giri; Fairuuz Fikar Alfaruqi
Jurnal Manajemen Indonesia Vol 23 No 2 (2023): Jurnal Manajemen Indonesia
Publisher : Fakultas Ekonomi dan Bisnis, Telkom University.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25124/jmi.v23i2.4295

Abstract

Online travel agencies (OTAs) in Indonesia, such as Traveloka, spend annually to endorse their brands through celebrities on TikTok to influence consumer perceptions of credibility and purchase intentions. This research explores the impact of celebrity endorsers’ expertise, trustworthiness, and attractiveness on brand attitude, brand credibility, and purchase intention within the context of online travel agencies (OTA). Recognizing the significance of celebrity endorsement for enhancing the purchasing behavior of consumers towards OTA brands, the findings of this study have important implications for how OTA companies can strategically adopt celebrity endorsement to sustain their customers' intention to purchase travel-related services. The study employs Partial Least Method-Structural Equation Modeling and includes 244 respondents, and data analysis was conducted using SEM analysis with WarpPLS 7.0 software. The results indicate a significant positive effect of celebrity endorser credibility on purchase intention through brand attitude and credibility. By using credible celebrities as endorsers, OTA companies, such as Traveloka in Indonesia, have been successful in influencing consumers' brand perception and building brand credibility, which in turn positively affects their purchase intention. The research findings highlight the importance of brand attitude as the most significant factor that impacts consumers' intention to purchase. Consequently, the study provides valuable insights for OTA companies, emphasizing the necessity of employing credible endorsers to build brand credibility and positively influence consumers' attitudes and purchase intention. Keywords— Brand attitude; Brand Credibility; Endorser Credibility; Purchase Intention; Online Travel Agencies
ANALYSIS OF DIGITAL SKILL CONFIRMATION FACTORS IN THE USE OF MOBILE BANKING SERVICES IN BOGOR REGENCY Rafid Maulana Akbar; Refi Rifaldi Windya Giri
Jurnal Ekonomi Vol. 12 No. 04 (2023): Jurnal Ekonomi, 2023
Publisher : SEAN Institute

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

Abstract

This research was conducted to confirm what digital skills factors could represent the construct, at least one that represented the use of mobile banking services in Bogor Regency. This research uses non-probability sampling and purposive sampling techniques and the number of samples used is 366 who are banking customers who use mobile banking in Bogor Regency. In this study, the analysis technique used Confirmatory Factor Analysis (CFA) and by using AMOS software version 24 as a tool for conducting analysis in the research conducted. The research variables used in this study include operational mobile skills, information navigation skills, creative skills, and social skills with a total of 30 indicators used. The results obtained based on digital skills factor analysis on the use of mobile banking services in Bogor Regency show that all the indicators used in this study represent the construct because the loading factor value is more than > 0.30 which is stated to be valid but the fit model in this study is still found to be a model that does not fit , so that the modification of the model is carried out to get a fit model. This research is a form of researcher's contribution to confirm what factors influence digital skills in the use of mobile banking services then suggestions that can be given for further research using exploratory factor analysis (EFA) so that the model to be used gets a fit model when reprocessed using confirmatory factor analysis (CFA).
Co-Authors , Aminah Admara, Kinanti Widya Amalia Djuwita Andika Dzulhaji Pratama, Andika Andrieta Shintia Dewi Anggar Erdhina Adi Ardy Aprilian Anwar Arini Arumsari Arsylia, Lulu Aryadinata, I Gusti Agung Putra Indra Assyifa Reska Sisilia Balqis, Siti Benita Bhanuwati Ardi Budiutama, I Komang Arya Sindura Dina Hanifah Dinda Varas Sagita Dyah Ayu Wiwid Sintowoko Dzulhaida, Ratna Eva Nurhazizah Fairuuz Fikar Alfaruqi Famius, Mochammad Rayhan Shaquille Firdausi, Vanesa Rizkia Gadang Ramantoko Ghaniyyah, Az Zahra Sekar Gina Ayyudia Khairani Heppy Millanyani Iis Kurnia Nurhayati Kharisma, Ryan Hafizh Martha Tri Lestari Maya Ariyanti Melya Yosita Meutria Salma Muhammad Ramadhaniansyah Ni Wayan Nanik Suaryani Taro Putri Nugrahani, Rah Utami Pramasti, Galuh Sekar Purnama Sari Purnama Sari Rafid Maulana Akbar Ramadhani, Arnandita rimbun, Rimbun Adillah Herianto Roro Retno Wulan Roshita Sasqhia Putri Ryan Hafizh Kharisma Siti Balqis Sudarso Kaderi Wiryono Tarisa Tarisa, Tarisa Tri Widarmanti Yudial Hukama