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All Journal JURNAL DINAMIKA MANAJEMEN DAN BISNIS JRMSI - Jurnal Riset Manajemen Sains Indonesia Al-Kharaj: Journal of Islamic Economic and Business Indonesian Collaboration Journal of Community Services (ICJCS) Buletin Abdi Masyarakat (BAM) Journal of Law, Education and Business Jurnal Social Society PENG: Jurnal Ekonomi dan Manajemen Escalate : Economics and Business Journal Ekopedia: Jurnal Ilmiah Ekonomi Jurnal Ilmu Sosial dan Humaniora Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Research in Education, Technology, and Multiculture IJEMA Journal of Business Application
Meta Bara Berutu
Universitas Negeri Jakarta
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Efektivitas Perceived Ease of Use, Perceived Value, dan Brand Credibility dalam Menciptakan User Experience dan Purchase Intention di Aplikasi Investasi Bryant Hans Channing Panjaitan; Usep Suhud; Meta Bara Berutu
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari-maret, Circular Economy and Green Innovation for Sustainable Business D
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/16s38v11

Abstract

The primary objective of this study is to analyze the effectiveness of perceived ease of use, perceived value, and brand credibility in creating user experience and purchase intention in investment applications. Data collection was conducted through questionnaires distributed online via social media platforms such as WhatsApp and Instagram. The research subjects consist of respondents who are users or potential users of the Bibit investment application, domiciled in DKI Jakarta, and aged between 18–35 years. The sample size used was 290 respondents. For the analysis process, this study utilized SPSS version 26 and Structural Equation Modeling (SEM) using AMOS version 29 for validation and data processing. Validity and reliability tests were conducted using Exploratory Factor Analysis (EFA) and Confirmatory Factor Analysis (CFA). Subsequently, hypothesis testing was carried out on the verified variables to identify relationships between them. The findings from the analysis indicate that perceived ease of use has a significant influence on perceived value, user experience, and purchase intention. Furthermore, brand credibility was found to have a direct influence on perceived value but no direct influence on purchase intention. Meanwhile, perceived value influences user experience but does not have a direct effect on purchase intention. These findings make an important contribution to the development of academic studies related to user behavior toward digital investment applications and offer practical recommendations for system developers to enhance the overall quality of user experience in digital investment applications.
Determinant Intention to Adopt AI-Powered Robo Advisors Zidane Ramadhan; Umi Widyastuti; Meta Bara Berutu
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari-maret, Circular Economy and Green Innovation for Sustainable Business D
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/vwdp4002

Abstract

Fintech in Indonesia are increasingly becoming popular, but penetration in the society is still minimal especially in investment context. This paper examines the possible drivers toward intention to adopt of AI-powered robo advisor through a modified VAM model with attitude toward using and age as moderating factors. Survey data were collected from Generation Z and millennial investors and analyzed using SEM-PLS. Our analysis shows that potential financial benefits gained from AI-powered robo advisors drives positive attitude and intention to adopt, while risk associated with AI-powered robo advisor demotivate users to adopt it. External social influences also positively impact the adoption process, demonstrating the importance of social validation in Indonesia's communal culture. Attitude toward using shows a significant performance in explaining intention to adopt AI-powered robo advisor. Moderation analysis shows that age strengthens the influence of perceived financial benefits on intention to adopt (stronger in millennials),and weakens the influence of social influence (stronger in Gen Z). These results provide theoretical and practical contributions in designing age-based marketing strategies and improving financial literacy. Future research is recommended to reach a wider demographic and conduct longitudinal studies as this technology develops
Analisis Perceived Ease of Use, Perceived Security, Perceived Risk pada Pengguna Potensial Paylater di Kalangan Gen Z Gita Safitri; Usep Suhud; Meta Bara Berutu
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari-maret, Circular Economy and Green Innovation for Sustainable Business D
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/vnmtbk02

Abstract

This study aims to analyse the influence of perceived ease of use, perceived security, and perceived risk on user trust and intention to use a paylater service among Generation Z in Jakarta. A quantitative approach was employed using purposive sampling, and the data were analysed through Structural Equation Modelling (SEM) with the AMOS software. Primary data were collected through an online Likert-scale questionnaire with a sample of 250 respondents. The research results show that perceived ease of use has a significant positive effect on both user trust and intention to use. Furthermore, perceived security has a significant positive effect on user trust. On the other hand, perceived security has a significant effect but with a negative direction, which is inconsistent with the initial hypothesis regarding intention to use. Meanwhile, perceived risk also proves to have a significant effect but with a positive direction, contrary to the initial hypothesis regarding user trust. However, perceived risk does not show a significant effect on intention to use. Additionally, user trust also demonstrates a significant positive effect on intention to use.
MOUNT BROMO: BALI BARU PRIMADONA EAST JAVA Meta Bara Berutu; Vira Deyana Cindy; Kirayna Evitasari
JRMSI - Jurnal Riset Manajemen Sains Indonesia Vol. 14 No. 01 (2023): Jurnal Riset Manajemen Sains Indonesia
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JRMSI.014.1.04

Abstract

Tourism merupakan sektor yang sangat menarik diberbagai belahan dunia karena kontribusinya yang luar biasa. Gunung Bromo yang menjadi primadona se Jawa Timur dan tidak pernah sepi pengunjung memiliki suatu hal yang perlu untuk diketahui. Pada penelitian ini menguji perceived value, tourist satisfaction, dan behavioural intention menjadi satu model untuk mengukur seberapa baiknya pariwisata tersebut menyediakan pelayanan terbaiknya. Responden yang digunakan merupakan wisatawan lokal. Hasil dari penelitian ini adalah bahwa perceived value juga tourist satisfaction memiliki pengaruh yang signifikan terhadap behavioural intention pada wisatawan Gunung Bromo. Penelitian ini juga menggunakan alat analisis Smart pls dengan jumlah wisatawan sebanyak 120 responden menggunakan teknik non probability purposive sampling. Penelitian ini menjadi semakin menarik karena terdapat penelitian yang berbeda hasil dari hasil penelitian. Kata kunci: perceived value, tourist satisfaction, behavioural intention, Gunung Bromo
Co-Authors Ahmad Jidan Abrar Alda Aurelia Artagita Alya Chantika Andrian Haro Azahra Putri Dewi Mumpuni Bryant Hans Channing Panjaitan Chikita Putri Prameswari Corry Yohana Damar Lintang Dennis Trama Karindra Diena Noviarini Diena Novirini Erika Shofia Faradysa Faida Istiqomah Farizka Hayyu Artanti Fathannaufal Amiludin Febryan Widjanarko Gita Safitri Inkreswari Retno Hardini Keisha Andani Devitasari Kirayna Evitasari Malya Nadhira Azra Maulana Amirul Adha Maulana Rifky Yudhira Maulidyah Ahza Michael Lambok Muhammad Fachri Siregar Nasywa Fatihah Adam Harahap Ni Ketut Kahar Tunjung Santi Dewi Nur Adilla Osly Usman Prakasta Karisma Putra Rahma Fitriana Rio Danuarta Sihombing Saptono, Ari Setyo Ferry Wibowo Shandy Aditya Shandy Aditya Susanti, Santi Susetyo Bagas Bhaskoro Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Tivani Shakilla Ervi Tri Hesti Utaminingtyas Umi Widyastuti Usep Suhud Vinco Valerio Vira Deyana Cindy Winda Khairunnisa Zidane Ramadhan