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All Journal PROSIDING SEMINAR NASIONAL Jurnal Ilmu Sosial dan Humaniora Journal of Indonesian Economy and Business Jurnal EMT KITA Journal on Education Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship JURNAL LENTERA BISNIS Jurnal Ilmiah Edunomika (JIE) Jurnal Informasi dan Teknologi Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Scientia International Journal of Business, Law, and Education Jurnal Ekonomi Indo-MathEdu Intellectuals Journal JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Minfo Polgan (JMP) Journal Of Human And Education (JAHE) Jurnal Masyarakat Indonesia Jurnal Teknologi dan Manajemen Industri Terapan Jurnal Sistim Informasi dan Teknologi Gemilang: Jurnal Manajemen dan Akuntansi Profit: Jurnal Manajemen, Bisnis dan Akuntansi International Journal of Economics and Management Research KENDALI: Economics and Social Humanities Jurnal Pengabdian West Science Jurnal Manajemen Riset Inovasi West Science Business and Management Jurnal Ekonomi Manajemen Akuntansi Jurnal Pengabdian Kepada Masyarakat Journal of Contemporary Administration and Management (ADMAN) Journal of Social Science and Business Studies Technology and Society Perspectives (TACIT) INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Jurnal Pengabdian Masyarakat dan Riset Pendidikan El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Innovative and Creativity Management Studies and Business Journal Jurnal Terobosan Peduli Masyarakat (TIRAKAT) Journal of Ekonomics, Finance, and Management Studies Prosiding SeNTIK STI&K Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis Jurnal Ilmiah Manajemen Dan Kewirausahaan Proceeding of The International Conference on Management, Entrepreneurship, and Business International Journal of Economics and Management Research Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan Oikonomia : Journal of Management Economics and Accounting
Andriya Risdwiyanto
Universitas Proklamasi 45
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Neuroscience Public Health 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 Abd Halim Abror Abror Abu Muna Almaududi Ausat Ade Onny Siagian Adi Suroso Afridhianika, Annisa Nugraheni Almansyah Rundu Wonua Alvionita Paru, Maria Ambarwati, Retnoning Andreas Recki P. Andreas Recki P. Andry Mochamad Ramdan Andy Rachman Anggoro Dwi Cahyo Ardiyanto Maksimilianus Gai Arief Yanto Rukmana Arief, Zaenal Arif Saefudin Artino, Adi Arum Rakhmasari Octivaningsih Asmah Sinuraya Asminar Mokodongan Asri Ady Bakri Ausat, Abu Muna Almaududi Bagus Hari Sugiharto Bambang Arianto Bambang Irjanto Bambang Sugeng Dwiyanto Bambang Sugeng Dwiyanto Bambang Sugeng Dwiyanto Basu Swastha Dharmmesta Bayu Adhi Nugroho Bekti Setiadi Bekti Utomo Bilgies, Ana Fitriyatul Citra Arta, Deddy Novie Devi Andriyani Devi Yuliantina Dewa Oka Suparwata Dewi Endah Fajariana, Dewi Endah Diah Fatma Sjoraida Dita Kusuma Sari Djoko Wijono Djoko Wijono Djoko Wijono, Djoko Dwi Dersmi Selan Effendy, Femmy Eki Candra Elan Rusnendar Erminati Pancaningrum Etty Sri Hertini Etty Sri Hertini Eva Yuniarti Utami Firdaus Yuni Dharta Frans Sudirjo Frans Sudirjo Gatot Wijayanto Geofakta Razali Ghalib Suprianto Ghalib Suprianto Gusti Noorlitaria Achmad Hadi, Anto J. Hadiansyah Ma’sum Hanata, Reza Yonatan Hendri Khuan Henny Dwijayani Herlandi Putra, Irsan Hertini, Etty Sri Hikmah Widi, Riantin Hizbul Khootimah Azzaakiyyah I Ketut Suada I Nyoman Tri Sutaguna I Putu Agus Dharma Hita Ibrahim, Mozart Malik Ilham Arief Ilvano Iswandi Inaya Sundari Rahmawati Itot Bian Raharjo Jamaluddin Majid Jeffriansyah Dwi Sahputra Amory Jemadi Jemadi Jemadi Jemadi Jemadi Jemadi Jemadi, Jemadi Johni Eka Putra Joko Ariawan Judianto, Loso Judijanto, Loso Khuan, Hendri Kiki Farida Ferine Kraugusteeliana Kraugusteeliana Kushariyadi Kusnanto Darmawan Kusumawati, Diana Anggraini Laili Savitri Noor Lena Ellitan Leo Nardo Setia Budi Djojo Loso Judijanto Lova, Anggil Nopra Luckhy Natalia Anastasye Lotte M. Rafid Median Wilestari Melvin Krisdiana Djami Rane Melvin Krisdiana Djami Rane Metris, Diksi Mochamad Ramdan, Andry Moh Gifari Sono Muammar Revnu Ohara Muammar Revnu Ohara Muh. Arfah Muhamad Risal Tawil Muhammad Ade Kurnia Harahap Muhammad Hazmi Muhammad Sabir MUHAMMAD YUSUF Muhammad Yusuf Mustafa, Fahrina Nada Novia Deswira Naufal Haidar Ahmada Nazaruddin Ahmad Ninggar Agustina Cindya Putri Nita Dwi Setiawati Nuraini, Luthfi Nuralam Syamsuddin Nurani, Putri Ana Nurjanna Ladjin Nurlaili Rahmi Parandy, La Mema Perengki Susanto Pilifus Junianto Putra, Okta Eka Putriana Nurani Rahma, Filasti Retno Sawitri Wulandari Riesna Apramilda Rina Sovianti Ristanti Akseptori Riyanti, Apriani Rizky Maulana Fadillah Rochimah Imawati Saberina, Sabilla Saktya Ganes Saputra Samuel Alfonso Sugiyanto Santoso, Agus Dwi Sari, Marta Widian Sidjabat, Sonya Siska Hadiyanti Sivy Sondari Gadzali Sri Wahyuning Sri Wahyuning Sulaeman, Moh. Muklis Suroso, Adi Suryanti Sutrisno Sutrisno Tanti Widia Nurdiani Tanti Widia Nurdiani Tanti Widia Nurdiani Theresia Chrisna Putri Tyahya Whisnu Hendratni Utami, Eva Yuniarti Utomo, Jepri Violin, Vivid Wahyuni Sri Astutik Widyastuti Widyastuti Widyastuti Widyastuti Yayat Suharyat Yeni Yeni Yogi Nurfauzi Yosef Tonce Yuli Kurniyati