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All Journal Jurnal Basicedu JURNAL LENTERA BISNIS Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ilmiah Wahana Pendidikan Jurnal Basicedu Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Cakrawala: Jurnal Pengabdian Masyarakat Global Jurnal Pengabdian Masyarakat Indonesian Journal of Enterprise Architecture
Damaris Y Koli
Universitas Kristen Artha Wacana
Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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The Mediating Role of Trust in Digital Payment Adoption: The Influence of Perceived Ease of Use on Usage Decision Damaris Y. Koli; Jemmy J. S. Dethan; Alfred G. O. Kase
Indonesian Journal of Enterprise Architecture Vol. 3 No. 1 (2026): Indonesian Journal of Enterprise Architecture
Publisher : Global Research and Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/ijea.v3i1.590

Abstract

The rapid expansion of digital payment technologies has transformed financial transaction behavior, particularly in emerging urban environments. However, adoption decisions are influenced not only by technological functionality but also by psychological factors. This study examines the effect of perceived ease of use on digital payment usage decisions, with trust positioned as a mediating variable. A quantitative approach was employed using survey data collected from 96 digital payment users in Kupang City, Indonesia. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that perceived ease of use has a significant positive effect on trust (β = 0.870, p < 0.001) and usage decision (β = 0.612, p < 0.001). Trust also significantly influences usage decision (β = 0.295, p = 0.020) and partially mediates the relationship between perceived ease of use and usage decision. The model demonstrates substantial explanatory power, with R² values of 0.757 for trust and 0.776 for usage decision, and a good model fit (SRMR = 0.042). These findings extend the Technology Acceptance Model by demonstrating that usability influences digital payment adoption through both direct functional pathways and indirect trust-building mechanisms. The study highlights the strategic importance of integrating usability and trust to promote digital payment adoption in emerging urban contexts.
The Role of Brand Image as a Moderator in the Influence of Social Media, Online Prices, and Customer Reviews on Purchasing Decisions in E-Commerce Evi Sirait; Riani Prihatini Ishak; Vera Selviana Adoe; Damaris Yvette Koli; Andry Mochamad Ramdan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10205

Abstract

This study aims to analyze the influence of social media, online prices, and customer reviews on purchasing decisions in e-commerce with brand image as a moderating variable. The research method used is a quantitative approach with an associative research type. Data were collected by distributing questionnaires to consumers who have made purchases on e-commerce platforms, using a purposive sampling technique. Data analysis was conducted using the Partial Least Squares (PLS-SEM) method and Moderated Regression Analysis (MRA) to test the role of moderating variables. The results show that social media, online prices, and customer reviews partially and simultaneously have a positive and significant influence on purchasing decisions. Social media can increase purchasing interest through interactive and informative content, online prices are a primary consideration in choosing a product, while customer reviews play a role in building consumer trust. In addition, brand image is proven to moderate the relationship between social media, online prices, and customer reviews on purchasing decisions by strengthening the influence of all three variables. The conclusion of this study is that purchasing decisions in e-commerce are influenced by a combination of digital marketing factors and brand perceptions. Therefore, business actors are advised to optimize the use of social media, set competitive prices, manage customer reviews well, and build a strong brand image to increase consumer trust and loyalty.
The Effect Of Advertising And Service Quality On Traveloka Online Plane Ticket Purchase Decisions Among The People Of Kupang City Damaris Y. Koli; Endang Damaris Koli; Alfred G.O. Kase; Jemmy Jonson Sula Dethan
KASTA : Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Vol. 5 No. 1 (2025): April
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kasta.v6i1.2943

Abstract

This study examines the influence of advertising and service quality on the purchase decision of Traveloka online flight tickets among the people of Kupang, East Nusa Tenggara, Indonesia. A quantitative approach with a causal design was employed. The population consisted of all Kupang residents who had ever purchased flight tickets through Traveloka, and a sample of 96 respondents was determined using the Rao Purba formula. Data were collected through questionnaires and analyzed using multiple linear regression, t-tests, F-tests, and coefficient of determination. The results show that advertising has a positive and significant partial effect on purchase decisions (t = 2.801, p < 0.05), and service quality also has a positive and significant partial effect (t = 2.693, p < 0.05). Simultaneously, both variables significantly influence purchase decisions (F = 7.270, p < 0.05). However, the adjusted R² value is only 0.117, indicating that advertising and service quality explain just 11.7% of the variance in purchase decisions. Descriptive analysis shows that respondents perceive both advertising and service quality as high, with mean index scores of 87.3 and 82.6 respectively. The study concludes that while advertising and service quality are important determinants, other factors such as price, trust, and word-of-mouth likely play larger roles. Traveloka should maintain its advertising effectiveness and improve responsiveness to customer complaints. Future research should include additional variables to better explain purchase decisions.
Analysis of the Influence of Price Perception, Service Quality, and Advertising on Smartphone Purchasing Decisions at M-CEL OESAPA, Kupang City Damaris Y. Koli; Endang Damaris Koli; Alfred G.O. Kase; Godlief F. Neonufa
KASTA : Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Vol. 5 No. 2 (2025): Agustus
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kasta.v5i2.2944

Abstract

This study is entitled "Analysis of the Effect of Price Perception, Service Quality, and Advertising on Smartphone Purchase Decisions at M-Cell Oesapa, Kupang City (A Case Study of the Kupang City Community)". The research problems examined are whether price perception affects smartphone purchase decisions at M-Cell Oesapa, Kupang City; whether service quality affects smartphone purchase decisions at M-Cell Oesapa, Kupang City; and whether advertising affects smartphone purchase decisions at M-Cell Oesapa, Kupang City. The objectives of this study are to determine the effect of price perception, service quality, and advertising on smartphone purchase decisions at M-Cell Oesapa, Kupang City. The population of this study consists of all people in Kupang City who have purchased smartphones at M-Cell Oesapa, Kupang City. Since the population size is unknown, the sample was determined using the Rao Purba formula, resulting in 96 respondents. Data were collected using a questionnaire distributed via Google Forms. The data analysis techniques used include multiple linear regression analysis, partial t-test, simultaneous F-test, and the coefficient of determination (R²). The results show that partially, price perception has a positive and significant effect on smartphone purchase decisions at M-Cell Oesapa, Kupang City; partially, service quality has a positive and significant effect on such decisions; partially, advertising has a positive and significant effect; and simultaneously, price perception, service quality, and advertising together have a positive and significant effect on smartphone purchase decisions at M-Cell Oesapa, Kupang City.
Co-Authors Alfred G.O Kase Alim Hardiansyah Andry Mochamad Ramdan Cakranegara, Pandu Adi Cakranegara, Pandu Adi Enike Tje Yustin Dima Eva Desembrianita Evi Sirait Febriana Inut Florida Fahik Godlief F. Neonufa hardiansyah, alim Hermayanti Hermayanti Jemmy Jonson Sula Dethan Jems Arison Zacharias Joni Kanisius Olin Koli, Endang Damaris Nur Agus Salim Nur Agus Salim, Nur Agus Nyi Dewi Puspitasari Puspitasari, Nyi Dewi Riani Prihatini Ishak Rudy Irwansyah Selviana Domingga Hoar Vera Selviana Adoe Yeni Yeni