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Pengaruh Kepuasan terhadap Penggunaan Berkelanjutan Bank Digital di Indonesia Rinwantin, Rinwantin; Yuliana, Rahmi
SEIKO : Journal of Management & Business Vol 8, No 2 (2025): July - December
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v8i2.9169

Abstract

Bank digital memiliki peran setara dengan bank konvensional dan diproyeksikan mengalami pertumbuhan transaksi signifikan di Indonesia. Fenomena ini berpotensi meningkatkan inklusi keuangan dan mewujudkan masyarakat tanpa tunai. Penelitian ini bertujuan untuk mengkaji pengaruh kepuasan nasabah terhadap niat penggunaan berkelanjutan layanan bank digital, dengan fokus pada kajian pasca-adopsi. Studi ini penting mengingat investasi besar dalam bisnis bank digital dan perlunya pemahaman sikap pasca penggunaan untuk mengevaluasi niat berkelanjutan. Melalui studi literatur dan analisis data yang dikumpulkan melalui survei daring (Gform), penelitian ini menemukan bahwa sikap positif terhadap bank digital dan kepuasan nasabah memiliki pengaruh signifikan dan positif terhadap niat penggunaan berkelanjutan. Sementara itu, komitmen afektif dan persepsi kegunaan tidak menunjukkan pengaruh signifikan. Implikasi dari temuan ini penting bagi bank digital, pengguna, dan pembuat kebijakan dalam upaya mendorong adopsi dan keberlanjutan penggunaan layanan bank digital di Indonesia.. Kata Kunci: Perceived Usefullness, Attitude Towards, Satisfaction, Continuance intention, bank digital
IMPROVING PURCHASING DECISIONS THROUGH TRUST AND ELECTRONIC WORD OF MOUTH AS INTERVENING VARIABLES IN ONLINE SHOPPING Yuliana, Rahmi; Hamdani, Muliawan
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12269

Abstract

This research aims to analyze and dig deeper into the concept of purchasing decisions by using trust variables and electronic word of mouth variables as intervening variables. The phenomenon of consumer behavior related to e-commerce will be said to increase with the high growth of internet users, where the total internet users in Indonesia are predicted to reach 72.8 million people, which overall ranks third in the Asean region. The increase in the number of internet technology users has an impact on online shopping behavior among consumers. However, this is inversely proportional to offline retail sales which have experienced a setback, marked by the lack of consumers in shopping centers. This has made the situation of out-of-network retail in Indonesia worse, marked by (1) changes in consumer behavior, (2) reduced employment opportunities (3) Increased number of online stores. The data for this research uses primary data, namely by taking direct samples of respondents who have shopped online at three marketplaces, Tokopedia and Lazada in Indonesia. The data analysis techniques used are descriptive analysis and inferential analysis. Then the data is processed using Smart PLS software to test the hypothesis that there is a significant influence between exogenous variables and endogenous variables. The results of this research will be able to find out how big the influence is.