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The Influence of Performance Expectancy, Effort Expectancy, Social Influence, Hedonic Motivation, and Price Value on Students’ Behavioral Intention to Use Online Courses at Universitas Negeri Jakarta Tasha Dwi Oktora; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 2 No. 1 (2026): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.02.1.12

Abstract

This research investigates the determinants of undergraduate students’ behavioural intention to adopt online courses at Universitas Negeri Jakarta (UNJ) through the UTAUT2 framework. Using PLS-SEM, data from 128 respondents were analysed to analyze all variables emerges as the most influential factor, followed by Hedonic Motivation, whereas the remaining constructs do not have a significant effect. The model accounts for 40.2% of the variance in behavioural intention. Overall, the results suggest that students’ engagement with online courses is shaped more by considerations of cost and enjoyment than by perceived usefulness or social pressure, offering valuable insights for the design and improvement of online learning platforms in the post-pandemic context.
Examining the Impact of Social Influence and Price Sensitivity on Purchase Intention Dyah Ratu Dwihapsari; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 2 No. 1 (2026): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.02.1.13

Abstract

This research investigates how social influence and price sensitivity affect consumers’ purchase intentions within Indonesia’s e-commerce environment by applying the Stimulus–Organism–Response (S–O–R) model. In this conceptual framework, social influence and price sensitivity function as external stimuli, perceived value acts as the internal cognitive evaluation process, and purchase intention represents the resulting behavioral outcome. The study utilized a quantitative approach with a cross-sectional design, gathering data from 115 Indonesian consumers who actively engage in online shopping through a structured questionnaire. To assess the relationships among the variables, multiple regression analysis was conducted to evaluate both direct and mediated effects. The findings indicate that social influence and price sensitivity significantly and positively contribute to perceived value. Furthermore, perceived value demonstrates a substantial positive impact on purchase intention. The analysis also shows that social influence and price sensitivity directly influence purchase intention, suggesting that perceived value serves as a partial mediator in these associations. Overall, the results highlight that consumers’ intentions to purchase are driven not only by rational value assessments but also by immediate responses to social signals and pricing considerations.
An Analysis of the Effect of Perceived Ease of Use, Perceived Usefulness, and Social Influence on the Impulsive Buying Behavior of Generation Z Users of the TikTok PayLater Feature in DKI Jakarta Bintang Muhamad Harsya; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 2 No. 1 (2026): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.02.1.14

Abstract

This research seeks to examine how Perceived Ease of Use, Perceived Usefulness, and Social Influence affect impulsive buying behavior among Generation Z individuals in the DKI Jakarta region. The digital economy transformation in Indonesia has shifted from the traditional e-commerce model to a more integrated social commerce ecosystem, with TikTok Shop as one of the major players. The emergence of TikTok Paylater as a Buy Now Pay Later financial service innovation has created a phenomenon of shopping without financial barriers, which has significantly influenced the consumption behavior of Generation Z. This research uses the TAM theoretical framework to examine how technological functionality and external motivation interact in influencing user decisions. The main focus of this research is to investigate the role of Social Influence as a transactional accelerator that bridges the emotional drive resulting from the Fear of Missing Out phenomenon and live shopping algorithms with financial execution through the Paylater feature. By taking a case study in the urban area of DKI Jakarta, which has high digital penetration, this research is anticipated to address the existing gap in the literature concerning of consumer behavior on social commerce platforms.
The Impact of NFC and QRIS Utilization in Livin’ by Mandiri on Smart Mobility Experience among Public Transportation Users in DKI Jakarta Nazwa Eka Putri; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 1 No. 1 (2025): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.01.1.12

Abstract

This study examines the influence of digital payment utilization, namely Near Field Communication (NFC) and Quick Response Code Indonesian Standard (QRIS), on smart mobility experience with mobility efficiency as a mediating variable. The research employs a quantitative explanatory design using a conceptual modeling approach to analyze causal relationships among variables. Primary data were collected through an online questionnaire distributed to 105 public transportation users in DKI Jakarta who actively use the Livin’ by Mandiri application for transportation-related transactions. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM), covering measurement model evaluation and structural model testing. The results show that NFC utilization has a positive and significant effect on mobility efficiency, while QRIS utilization demonstrates a relatively weaker direct effect. Mobility efficiency significantly enhances smart mobility experience and partially mediates the relationship between digital payment utilization and smart mobility experience. The study concludes that efficiency-oriented digital payment usage contributes to improving urban mobility experience. These findings highlight the importance of optimizing digital payment systems to support smart mobility initiatives in metropolitan transportation environments.
Analysis of the Influence of TikTok and Qpon Digital Voucher Marketing Strategies on Consumer Purchase Decisions in Indonesia Mellani Indriyani; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 2 No. 1 (2026): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.02.1.15

Abstract

The accelerated advancement of digital technologies has led to the increasing adoption of digital vouchers as a strategic marketing tool in e-commerce. E-commerce platforms such as TikTok Shop and Qpon extensively implement price discounts and various sales promotion programs to shape consumer purchasing behavior in Indonesia. This study seeks to examine the impact of digital voucher marketing strategies, specifically price discounts and sales promotions, on impulsive buying behavior, with positive emotion serving as a mediating variable. The research is grounded in the S–O–R theory, in which digital voucher strategies function as stimuli, positive emotion represents the internal organismic state, and impulsive buying constitutes the behavioral response. A quantitative descriptive-verificative methodology was employed, with data gathered through an online survey distributed to consumers in the Jakarta region who have previously utilized digital vouchers on TikTok Shop or Qpon. The findings are expected to indicate that price discounts and sales promotions exert a positive influence. This study contributes empirical evidence regarding the significance of emotional mechanisms in the effectiveness of digital voucher-based marketing strategies.
Understanding User Satisfaction in Stock Investment Apps through Information Quality and Perceived Ease of Use Ammar Shiddiq Yulianto; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 2 No. 2 (2026): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.02.2.01

Abstract

This research investigates how perceived ease of use and information quality shape user satisfaction with stock investment applications in Indonesia by surveying 120 active users with a 16-item, five-point Likert questionnaire and analyzing the data using multiple linear regression. The results show that information quality has a stronger positive impact on user satisfaction than perceived ease of use, and together both variables account for 77.1% of the variation in satisfaction. These outcomes indicate that users of stock investment platforms value accurate and timely data more highly than simple interfaces. The study therefore concludes that information quality and perceived ease of use are both key drivers of satisfaction, with information quality being slightly more dominant. The implications suggest that fintech developers should strategically balance investment in robust data infrastructure and user interface design to enhance user satisfaction and sustain their platforms.
Why Do Students Keep Using TikTok, Examining the Roles of Informative Value, Entertainment, and Satisfaction Raihan Kamilun Amin; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 2 No. 2 (2026): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.02.2.02

Abstract

This study aims to analyze the effects of informative value and entertainment on user satisfaction and their influence on continuous intention to use TikTok among university students. A quantitative approach was employed using a survey method. Data were collected from 97 students of Universitas Negeri Jakarta who had been using TikTok for more than one year. The data were analyzed using statistical techniques in SPSS, including validity testing, reliability testing, and structural model analysis.The results show that informative value and entertainment have positive and significant effects on user satisfaction. Entertainment demonstrates a stronger influence, indicating that enjoyable and engaging content plays a major role in shaping positive user experiences. In addition, user satisfaction has a strong and significant effect on continuous intention to use TikTok, suggesting that satisfied users are more likely to continue using the platform over time.The study concludes that both informational and entertainment aspects are essential in enhancing user satisfaction and encouraging sustained usage behavior. These findings imply that digital platforms and content creators should balance informative and entertaining content to maintain user engagement and long-term platform sustainability.
The Effect of User Experience and System Responsiveness on the Continued Use of the Livin’ by Mandiri Application among Students of the Faculty of Economics, Universitas Negeri Jakarta, with User Satisfaction Jauza Aqhna Kamila; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 2 No. 2 (2026): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.02.2.03

Abstract

This study examines how User Experience and System Responsiveness influence the continued use of the Livin’ by Mandiri application among students of the Faculty of Economics at Universitas Negeri Jakarta, with User Satisfaction serving as a mediating variable. The research employs a quantitative approach, and the data are analyzed using Structural Equation Modeling (SEM) with the assistance of the SmartPLS software. The participants in this study are active students from the Faculty of Economics, Universitas Negeri Jakarta, who actively use the Livin’ by Mandiri application. The results demonstrate that User Experience and System Responsiveness both have a positive and significant impact on User Satisfaction. Furthermore, User Experience and User Satisfaction significantly contribute to the continued use of the application. However, System Responsiveness does not show a significant direct influence on continued use. The mediation analysis further indicates that User Satisfaction partially mediates the relationship between User Experience and continued use, while it does not mediate the relationship between System Responsiveness and continued use. These findings highlight the critical role of user satisfaction in encouraging the sustained use of digital banking applications over time.
Analysis of Factors Influencing Satisfaction of BYOND By BSI Application Users in DKI Jakarta Renandia Chandra Putri; Osly Usman; Adnan Kasofi
Escalate : Economics and Business Journal Vol. 4 No. 02 (2026): Escalate: Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

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

Abstract

Digital banking adoption in Indonesia reaches 80.7% penetration (APJII, 2025), yet BYOND by BSI faces user dissatisfaction post-rebranding despite 3.5 million users, with prior studies showing inconsistent TAM factor effects on Islamic mobile banking satisfaction in urban contexts. This study analyzes the influence of perceived usefulness (X1), ease of use (X2), security (X3), and enjoyment (X4) on user satisfaction (Y) of BYOND by BSI in DKI Jakarta through quantitative cross-sectional survey of 230 purposive respondents (Gen Y dominant, 60% female) from active users (≥6 months), using Likert-6 Google Forms analyzed via SmartPLS 4.0 SEM-PLS with validated reflective measurement (AVE>0.5, CR>0.9, HTMT<0.90, VIF<5). All hypotheses were accepted (p<0.05): X4 (β=0.233, highest), X1 (β=0.236), X3 (β=0.269), X2 (β=0.206, lowest), explaining 59.6% satisfaction variance (adj.R²=0.596; Q²=0.544, large). Hybrid TAM-affective model is confirmed for syariah mobile banking optimization, prioritizing enjoyment and security enhancements.
Analisis Faktor-Faktor Yang Mempengaruhi E-Loyalty Dengan E-Satisfaction Sebagai Intervening Pada Nasabah Livin’ By Mandiri Ikhsan Mawardi; Osly Usman; Ayatulloh Michael Musyaffi
KOLONI Vol. 3 No. 1 (2024): MARET 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/koloni.v3i1.602

Abstract

This research was conducted to determine the influence of e-service quality, e-trust, and e-CRM on e-loyalty with e-satisfaction as an intervening for customer Livin' by Mandiri. This research uses quantitative methods with survey instruments. Data collection was carried out using a non-probability sampling technique, namely purposive sampling, by taking a sample of 204 respondents domiciled in Jakarta who had used Livin' by Mandiri at least three times in the last six months and had experienced problems during use. Then the respondents' answers were processed using the Structural Equation Modelling Partial Least Square (SEM-PLS) method using SmartPLS 4.0 software. From hypothesis testing in this research, results were obtained that prove 1) e-service quality has an effect on e-satisfaction, 2) e-trust has an effect on e-satisfaction, 3) e-CRM has an effect on e-satisfaction, 4) e-satisfaction has an effect on e-loyalty, 5) e-service quality has an effect on e-loyalty, 6) e-trust has an effect on e-loyalty, 7) e-CRM has no effect on e-loyalty, 8) e-service quality has an effect on e- loyalty through e-satisfaction, 9) e-trust influences e-loyalty through e-satisfaction, and 10) e-CRM influences e-loyalty through e-satisfaction.
Co-Authors Achmad Fauzi Adhar, Ranisya Refanka Adib Pradipta Adib, Sahal Afham Adnan Kasofi Adnan Kasofi Afidah Nur Aslamah Afidah Nur Aslamah Afif Khairi Agung Pangestu Agung Priambodo, Ervin Agung Wahyu Handaru Agus Sulistyono Alamsyah, Muhammad Fikri Alika Khairunisa Alimah Alda Fuadiyah Ammar Shiddiq Yulianto Ananda Mochammad Rizky Andi Muh Fachry Anggriawan Oktobisono Annisa Lutfia Annisa Lutfia Ansar, Rudy Arga Pramesty, Desnita Aris Muhamad Syukur Ariyo Alinugroho Singgih Arum Nur Anggraini Atia Tiara Trisnawan Ayu Aprilia Azalia, Farah Cantika Aziz, Sumayyah Azzahrani Hafshah Valiandri Bianca Ayu Anindira Bicky Maulana Bintang Muhamad Harsya budiantoro, Anandha Budisutiono, Clara Immanuella Caecilia Sheryl Kusuma Christian Wiradendi Wolor Corry Yohana Daniel Pungkas Prastia Wibowo Darma Rika Swaramarinda, Darma Rika Daru Putri Kusumaningtyas Dea Permatasari Devina Angistya Maharani Dewi Agustin Pratama Sari Dewi Susita Dhafin Syah, Muhammad Dhany Asmara Hidayat Diena Noviarini Diena Novirini Dinar Agus Sara Diya Aldin Fadeyushka Dwi Pangestuti Dyah Ratu Dwihapsari Elilia Nindy Prastika Elilia Elsha Melinda Evitasari, Kirayna Fadhillah, Anindita Fadli, Ghifari Aminudin Farhan Taruna Farhan Taruna Farlian Oktora Pramudia Fathir Fairuzzi Fatimah Ambarwati Faza Hibatul Haqqi Febi Ferdian Farhan Fikri Pirmansyah Firgiawan Akbar Ghea Agita Ghifari Aminudin Fad’li Hajar Mareti A Harits Ikbar Hasna Azzahidah Henry Eryanto HENRY ERYANTO, HENRY Herdian Akbar Hery Irawan Hery Widijanto Hilsya Faiqotul Innayah Hindra Yani Husnul Khotimah Ika Febrilia Ikbar, Harits Ikhsan Mawardi Imam Argianto Indriyana, Saoki Ismail, Shuja Azmi Jasmine Lamia Safira Jauza Aqhna Kamila Jihan Alya Rahma Putri Irmawan Jonathan Halomoan Simanjuntak Juan Wody Romansa Julianda Jahid Muttaqin Kasofi, Adnan Kayla Diandra Alisya Khansa Puti Zharifah Muza Krissanya, Nofriska Kusumaningtyas, Daru Putri Laily Musyrifah Latip, Nadia Salsabila Levi, Daud Maeka, Lita Maharani, Melwanda Rieka Maharrizki, Alif Mardiana Saharani Mardta, Rendy Marsofiyati Marsofiyati Maulana Amirul Adha Mellani Indriyani Meta Bara Berutu Mohammad Akeyla Zedidiah Monoarfa, Terrylina Arvinta Mufida Ahmad, Alfi Muhammad Faisal Muhammad Fardiansyah Hendratama Muhammad Fathi Farhan Muhammad Fathurrahman Muhammad Fawaiq, Muhammad Muhammad Ferry Hidayat Muhammad Iqbal Nurdwiratno Muhammad Rafli Muhammad Yusuf Mulya, Rika Noviana Munawaroh Musyaffi, Ayatulloh Michael Nada, Shafwatun Nanda Melandri Nayla Zannata Mugni Nazwa Eka Putri Nazwa Jelita Soleha Nazwa Ramadhani Nida Auliyah Ningsih, Rifa Silviaty Nirmala Fauziah Nofriska Krissanya Nopridawati Norjanah, Nika Fitri Nugroho, Dwi Alam Nurshinta, Nurshinta Oktobisono, Anggriawan Paquita, Shiva Silvia Ponco Dewi Karyaningsih Pratiwi, Viyonila Prihastomo, Galih Prima, Resti Purwana E.S., Dedi Puspa Nuraini Putri Putri Kusumaningtyas, Daru Putri Nabila Putri Wahyuningsih Putrianna Radja Rafi Aryawira Rafi, Narendra Pakala Rahmadghani, Taufiq Rahmi Rahmi Raihan Kamilun Amin Rangga Aksara, Frenda Raniyah Kamilah Ranty Pratiwi Regina Humaningtyas Purba Renandia Chandra Putri Reysa Almaira Anandita Riansyah, Raisan Agus Rida Prihatni Rika Vebina Tarigan Riswandi Riswandi Riyadi, Salsabila Annisa Riza Azzahra Rizki Firdausi Rachma Dania Rizky, Ananda Mochammad Robith Ali Zain Musyafa Romanus Mando Fransius Silaen Roni Faslah Roni Faslah Rukmana, Amelda Elsa Ryna Parlina Ryna Parlyna Ryna Parlyna Ryna Parlyna, Ryna Safira Balqis Siahaan Samsul Jamaludin, Muhamad Saparuddin Mukhtar Sari, Rindi Nurlaila Seilatu, Novan Yonatan Septamasurya, Rafli Setyawan, Muhammad Dimas Arbi Shandy Aditya Shandy Aditya, Shandy Siti Nurlaela Solly Aryza Suherman Suherman Sulastri, Tita Suparman, Ady Fahril Suparno Suparno Suryadi Suryadi Suryadi, S. Susan Febriantina SUSAN FEBRIANTINA, SUSAN Syadin Alivia Yusuf Syaputri, Shyndy Syarifah Nadira Assegaf Syukur, Aris Muhamad Tasha Dwi Oktora Tasya Aqilah Teja Supraba Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Teuku Rio Febrian Alfa Risky Tri Hesti Utaminingtyas Tri Nada Nisrina Tri Nada Nisrina Ulfah Zulkarnain, Nadia Umar Hasan Umar Hasan Umi Widyastuti Umi Widyastuti Usep Suhud Vannisa Fahrani Verry Febriansyah Vina Devi Yekti Irawan Vina Devi Yekti Irawan Vinia Auliya Wahyu Eka Pratiwi, Sovia Wardani, Cintya Kusuma Wibowo, Daniel Pungkas Prastia Widya Parimita, Widya Witanti Putri Anggreani Yahya Abdurrahman Adib Yeni Hesti Verawati Manurung Zaahidah, Asmaa Zakky Chaidar Zillah, Isfanz Ainu Zulianto, Wahyu