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PENGARUH USER EXPERIENCE, ACCURACY OF RESPONSES, PERSONALIZATION USER ENGAGEMENT DAN RETENTION CHATGPT Ulfah Zulkarnain, Nadia; Osly Usman; Annisa Lutfia
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 4 (2025): JULI
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v2i4.1213

Abstract

This study aims to analyze the influence of user experience, accuracy of responses, and personalization on user engagement and its impact on user retention in the context of ChatGPT usage. A quantitative approach was employed by distributing questionnaires to 200 active ChatGPT users and analyzing the data using path analysis with the help of SmartPLS software. The results show that all three main variables—user experience, accuracy of responses, and personalization—have a positive and significant effect on user engagement. Furthermore, user engagement significantly affects user retention. These findings highlight that a positive user experience, accurate responses, and relevant personalization features are crucial in building user engagement and loyalty toward artificial intelligence-based systems such as ChatGPT.
Analisis Pengaruh Model Utaut 2, Trust, dan Perceived Risk Terhadap Behavioral Intention pada Aplikasi Byond By BSI Nida Auliyah; Osly Usman; Annisa Lutfia
Jurnal Rimba Riset Ilmu manajemen Bisnis dan Akuntansi Vol. 3 No. 3 (2025): Agustus : Riset Ilmu Manajemen Bisnis dan Akuntansi
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/rimba.v3i3.2060

Abstract

This study aims to identify the factors that influence the interest of Bank Syariah Indonesia (BSI) customers in using the Byond by BSI application, using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) approach. This application is one of the digital innovations developed by BSI to improve digital banking services. The data in this study were obtained from primary data collected directly through a Google Form questionnaire distributed to 290 respondents who are BSI customers and users of the Byond by BSI application. The study employed a non-probability sampling method with purposive sampling technique, where respondents were selected based on specific criteria relevant to the research objectives. Data analysis was conducted through several stages, including descriptive statistics, validity and reliability tests, normality tests, multicollinearity, heteroskedasticity, as well as multiple linear regression analysis and hypothesis testing. Data processing was conducted using SPSS software version 30. The results of the analysis indicate that all variables studied, performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, habit, trust, and perceived risk have a positive and significant influence on behavioral intention or users' interest in continuing to use the Byond by BSI app.
The Impact of Mentoring and Work Motivation on the Proactivity of Generation Z Employees in Jakarta with Leadership Style as a Moderating Variable Syukur, Aris Muhamad; Wibowo, Daniel Pungkas Prastia; Usman, Osly
Golden Ratio of Data in Summary Vol. 5 No. 4 (2025): August - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i4.1466

Abstract

This study examines the impact of mentoring and work motivation on the proactivity of Generation Z employees in Jakarta, with leadership style as a moderating variable. Using a sample of 100 employees and analysis through Partial Least Squares–Structural Equation Modeling (PLS-SEM), the findings reveal that work motivation strongly and positively influences proactivity. Mentoring also demonstrates a positive effect. Interestingly, leadership style significantly strengthens the effect of mentoring, but does not moderate the relationship between work motivation and proactivity. These findings suggest that, to enhance the proactivity of Generation Z employees, organizations should focus on improving intrinsic motivation, optimizing mentoring programs, and implementing a supportive leadership style.
The Influence of Work Discipline On Employee Performance With Motivation And Job Satisfaction As Intervening Variables In Functional Position Group Zaahidah, Asmaa; Susita, Dewi; Usman, Osly
Devotion : Journal of Research and Community Service Vol. 3 No. 14 (2022): Special Issue
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/dev.v3i14.332

Abstract

This article discusses how the disparity in office types, which is of interest, affects the performance of First Expert PBC Functional Officers in Indonesia. the degree to which an employee's motivation and work ethic affect their performance. Please use the smart tool in the method that uses structural equation modeling. There were 7 hypotheses, all of which were accepted as significant, with a population of 180 people and a sample size of 124 people. Based on the descriptions in the theoretical framework above, the researcher want to know about work discipline affects employee motivation, Work discipline affects employee job satisfaction, Employee motivation influences employee performance Job satisfaction affects employee performance, Work discipline affects employee performance, Work discipline affects employee performance through motivation to employees, Work discipline influences employee performance through job satisfaction
The Effect of Workload, Work Stress and Work-Life Balance On Employee Performance (Case Study On Startup Employees In Jakarta) Mufida Ahmad, Alfi; Handaru, Agung Wahyu; Usman, Osly
Devotion : Journal of Research and Community Service Vol. 3 No. 14 (2022): Special Issue
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/dev.v3i14.336

Abstract

In order to ultimately boost business earnings, this study tries to ascertain the impact of workload, work stress, and work-life balance on employee performance. Descriptive quantitative research methodology is employed. This study used an unlimited number of startup employees in Jakarta as its population. The nonprobability sampling approach is employed in the sampling procedure. According to the research's findings, employee performance among startup workers in Jakarta is significantly improved by workload. Because of this, the company's performance expectations will not be met the more work the employees feel they are expected to do. Workload significantly influences how stressed out startup employees in Jakarta feel at work. Thus, employees experience more stress the more work they have to do. Work-life balance for startup employees in Jakarta is significantly impacted by workload. As a result, employees feel less of a work-life balance as their burden increases. Workplace stress significantly affects startup employees' productivity in Jakarta. Employee performance suffers as a result of increased work stress. Work-life balance significantly influences how well startup employees in Jakarta perform at work. Therefore, the greater the employee's success for the organization, the better the ability to manage work and personal life. Work-life balance is significantly impacted by work stress for startup employees in Jakarta. Therefore, the employee would experience less stress the better he can balance his life. work stress and workload have a significant effect on employee performance. this means that the amount of burden and stress felt by employees causes employee performance to decrease. workload, work stress have a significant effect on work-life balance. this means that workload and work stress will be reduced when employees can balance their lives. workload, work life balance has a significant effect on employee performance. This means that the demands of work will cause difficulties for employees to balance between personal life and work life. Work-life balance is significantly impacted by workload and workplace stress. Employees will perform better when they can balance their personal and professional life, which will lessen work-related stress. workload, work stress and work life balance affect performance. this means that workload and work stress will decrease when employees can balance their lives so that employees will improve their performance.
The Influence of Sustainable Raw Material Availability and Environmentally Friendly Image on Competitive Advantage: The Mediating Role of Product Innovation Hasan, Umar; Zulianto, Wahyu; Usman, Osly
Golden Ratio of Data in Summary Vol. 5 No. 4 (2025): August - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i4.1386

Abstract

This research takes a look at how product innovation acts as a mediator between the availability of sustainable raw materials, green brand image, and competitive advantage. One of the top distributors of cosmetic raw materials with worldwide sustainability certification, PT. Redachem Indonesia was the site of this investigation. One hundred people working in the cosmetics sector in the Jabodetabek region were surveyed using a standardized questionnaire. In order to analyze the data, the research used Structural Equation Modeling with the Partial Least Square (SEM-PLS) method. Product innovation is positively impacted by the availability of sustainable raw materials and a green brand image, according to the research. While the availability of raw sustainable raw materials does not significantly affect competitive advantage, an green brand image can. Product innovation not only mediates the connection between the two factors but also has a substantial effect on competitive advantage. These findings highlight how the cosmetics sector may increase its competitive positioning via innovation and environmental responsibility.
Analysis of an Individual’s Intention to Invest Using the Technology Acceptance Model (TAM) Budisutiono, Clara Immanuella; Setyawan, Muhammad Dimas Arbi; Usman, Osly
Golden Ratio of Data in Summary Vol. 5 No. 4 (2025): August - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i4.1368

Abstract

Mutual funds are a means used to collect funds from investors, which are then managed and invested into a portfolio of securities by investment managers under the supervision of the Financial Services Authority (OJK). This investment instrument is also considered suitable for beginners, especially in assisting with efficient and effective financial planning. Currently, there are many mutual fund applications available to facilitate investors, one of which is the BIBIT application.This study aims to analyze how the features of the BIBIT application influence users' intention to invest through the application. The research was conducted by distributing online questionnaires via various social media platforms targeting BIBIT application users. The sampling technique used was purposive sampling. The collected data were then analyzed using PLS software for data processing.
Pengaruh Mobile App Design, Marketing Stimulus, Price Sensitivity, Perception Of Cheapness, Dan Impulsive Buying Behavior Terhadap Pengguna Platform Tokopedia Dalam Teori S-O-R Farhan Taruna; Osly Usman; Adnan Kasofi
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 3 No. 11: Oktober 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v3i11.5578

Abstract

Penelitian ini bertujuan untuk mengevaluasi dampak mobile app design, marketing stimulus, price sensitivity, dan perception of cheapness terhadap perilaku impulsive buying pada pengguna Tokopedia. Menggunakan pendekatan Model Stimulus-Organisme-Respon (S-O-R), penelitian ini menelaah variabel mobile app design, marketing stimulus, price sensitivity, perception of cheapness, dan impulsive buying. Hasilnya menunjukkan bahwa mobile app design, price sensitivity, dan marketing stimulus secara signifikan mempengaruhi perception of cheapness, yang kemudian memiliki efek kuat terhadap perilaku impulsive buying. Studi ini memberikan wawasan praktis bagi pengembangan strategi pemasaran dan mobile app design untuk meningkatkan keterlibatan pengguna serta konversi penjualan di platform e-commerce.
Studi Pengaruh Kualitas Layanan dan Kepercayaan Terhadap Loyalitas Elektronik: Peranan E-Satisfaction dalam Penggunaan Gopay Levi, Daud; Usman, Osly; Krissanya, Nofriska
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 4 No. 3: Februari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v4i3.7635

Abstract

Penelitian ini dilakukan untuk mengetahui pengaruh e-service quality dan e-trust terhadap e-loyalty melalui e-satisfaction sebagai variabel intervening pengguna Gopay . penelitian ini menggunakan metode kuantitatif dengan instrumen survei, pengumpulan data dilakukan dengan metode teknik non probability sampling yaitu purposive sampling dengan mengambil sampel sebanyak 110 orang yang menggunakan transaksi menggunakan Gopay , kemudian jawaban yang sudah diterima diolah menggunakan metode Structural Equation Modelling Partial Least Square (SEM-PLS) dengan menggunakan software SmartPLS 3.0 dari hasil penelitian ini diperoleh hasil, bahwa terbukti: 1) E-Service Quality berpengaruh terhadap E-Satisfaction, 2) E-Trust berpengaruh pada E-Satisfaction, 3) E-Satisfaction berpengaruh terhadap E-Loyalty, 4) E-Service Quality tidak berpengaruh terhadap E-Loyalty, 5) E-Trust berpengaruh terhadap E-Loyalty, 6) E-Service Quality tidak berpengaruh terhadap E-Loyalty melalui E-Satisfaction, 7) E-Trust berpengaruh terhadap E-Loyalty melalui E-Satisfaction. Ini menandakan bahwa E-service Quality dan E-Trust dapat ditingkatkan sehingga akan berdampak pada E-Satisfaction dan akan berdampak juga terhadap E-Loyalty penguna Gopay.
PENGARUH PERSEPSI KEMUDAHAN, PERSEPSI MANFAAT, DAN FITUR LAYANAN TERHADAP MINAT MENGGUNAKAN APLIKASI MOBILE BANKING Rahmadghani, Taufiq; Usman, Osly; Aditya, Shandy
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 9 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i9.2469

Abstract

Mobile banking adalah suatu layanan informasi perbankan yang ditawarkan oleh bank dengan menggunakan teknologi mobile phone untuk mendukung kelancaran aktivitas dan kemudahan kegiatan perbankan. Mobile banking memberikan kemudahan bagi para nasabah karena dapat memberikan kemudahan dan kecepatan, transakasi dimana saja dan kapan saja seperti cek saldo, transfer, pembayaran, dan pembelian tanpa pergi keluar rumah ataupun datang ke bank. Namun dilain sisi, mobile banking juga masih banyak memunculkan masalah yang membuat beberapa nasabah memikirkan kembali apakah mobile banking akan bermanfaat dan memudahkan kehidupan sehari-hari. Berdasarkan hal tersebut penelitian ini bertujuan untuk menguji dan menganalisis adanya pengaruh persepsi kemudahan, persepsi manfaat dan fitur layanan terhadap minat penggunaan pada aplikasi mobile banking. Penelitian ini menggunakan metode penelitian kuantitatif dengan pengumpulan data melalui teknik survey atau kuesioner yang dibagikan melalui google form. Objek pada penelitian ini adalah Mahasiswa di Universitas Negeri Jakarta. Teknik analisis yang digunakan yaitu analisis regresi berganda. Adapun penelitian ini menemukan bahwa persepsi kemudahan pengguna berpengaruh secara positif dan signifikan terhadap minat menggunakan mobile banking, persepsi manfaat berpengaruh secara positif dan signifikan terhadap minat menggunakan mobile banking, fitur layanan berpengaruh secara positif dan signifikan terhadap minat menggunakan mobile banking, serta persepsi kemudahan, persepsi manfaat dan fitur layanan berpengaruh secara positif dan signifikan secara simultan atau bersama-sama terhadap minat menggunakan mobile banking.
Co-Authors Achmad Baha’ur Rifqi Achmad Fauzi Adib Pradipta Adib, Sahal Afham Adnan Kasofi Adnan Kasofi Adnan Kasofi Afidah Nur Aslamah Afif Khairi Agta, Ghea Agung Pangestu Agung Priambodo, Ervin Agung Prih Handoyo Agung Wahyu Handaru Agus Sulistyono Aisha Novira Aji Kresno Murti Akilah Keilani Alamsyah, Muhammad Fikri Alika Khairunisa Alimah Alda Fuadiyah Alwan Muhshi Adzam Ammar Shiddiq Yulianto Ananda Mochammad Rizky Anang Yugotian Andi Muh Fachry Andreas Satya Pratama Kurniawan Anggriawan Oktobisono Anisa Ratna Pradanti Annisa Lutfia Annisa Lutfia Ansar, Rudy Aris Muhamad Syukur Ariyo Alinugroho Singgih Arsanti Raissa Kinanti Arum Nur Anggraini Atia Tiara Trisnawan Ayu Aprilia Azalia, Farah Cantika Aziz, Sumayyah Azzahrani Hafshah Valiandri Bambang Irawan Bianca Ayu Anindira Bicky Maulana Bintang Muhamad Harsya budiantoro, Anandha Budisutiono, Clara Immanuella Caecilia Sheryl Kusuma Christian Wiradendi Wolor Cici Arianti Clara Imannuella Budisutiono Corry Yohana Danang Brahmantyo S Daniel Pungkas Prastia Wibowo Darma Rika Swaramarinda, Darma Rika Daru Putri Kusumaningtyas Daru Putri Kusumaningtyas Dea Permatasari Desnita Arga Pramesty Devina Angistya Maharani Dewi Agustin Pratama Sari Dewi Fadilah Dewi Praptiwi Dewi Susita Dhafin Syah, Muhammad Dhany Asmara Hidayat Dian Sari Iriani Diena Noviarini Diena Novirini Dinar Agus Sara Diya Aldin Fadeyushka Dwi Alam Nugroho Dwi Pangestuti Dyah Ratu Dwihapsari Elen Lestari Elilia Nindy Prastika Elilia Elsha Melinda Evitasari, Kirayna Fadli, Ghifari Aminudin Fajar Kartika Syaiful Ulum Faozan Aditiya Pradana Farhan Taruna Farhan Taruna Farlian Oktora Pramudia Fathir Fairuzzi Fatimah Ambarwati Fatimah Azzahra Hidayat Fauzan Fadlullah Fauzhan Firmansyah Faza Hibatul Haqqi Febi Ferdian Farhan Fedro Diaz Camsal Fidhyallah, Nadya Fadillah Fikri Pirmansyah Firgiawan Akbar Fitri Astuti Francisco S. P. Silalahi G. Borlak Gandhi Cahyo Wicaksono Ghea Agita Ghifari Aminudin Fad’li Hajar Mareti A Harits Ikbar Hasna Azzahidah Henni Marito Siregar Henry Eryanto HENRY ERYANTO, HENRY Herdian Akbar Hery Irawan Hery Widijanto Hilda Trisvianty Hilsya Faiqotul Innayah Hindra Yani Icha Vanida Putri Ika Febrilia Ikbar, Harits Ikhsan Mawardi Imam Argianto Imam Arifin Indriyana, Saoki Inkreswari Retno Hardini Iqbal Nur Fazarun Irfan Nurhadi Irham Maulana Jasmine Lamia Safira Jauza Aqhna Kamila Jihan Alya Rahma Putri Irmawan Johara Johara Jonathan Halomoan Simanjuntak Juan Wody Romansa Julianda Jahid Muttaqin Kasofi, Adnan Kayla Diandra Alisya Khalisa Azalia Khansa Puti Zharifah Muza Kikana Yusuf Kinanty Ajeng Sulistiawati Kirayna Evitasari Krissanya, Nofriska Kusumaningtyas, Daru Putri Lailatul Isti’anah Laily Musyrifah Latip, Nadia Salsabila Levi, Daud Liliany Putri Azizah Maeka, Lita Maharani, Melwanda Rieka Maharrizki, Alif Mahiga Suhita Kusuma Wardhani Mardiana Saharani Mardta, Rendy Marsofiyati Marsofiyati Maulana Amirul Adha Mellani Indriyani Meta Bara Berutu Mieke Atalia Mohammad Akeyla Zedidiah Monoarfa, Terrylina Arvinta Mufida Ahmad, Alfi Muhamad Samsul Jamaludin Muhammad Abiyyu Akmal Muhammad Akbar Wiguna Muhammad Amien Rais Rofik Muhammad Faisal Muhammad Fardiansyah Hendratama Muhammad Fathi Farhan Muhammad Fathurrahman Muhammad Fawaiq, Muhammad Muhammad Ferry Hidayat Muhammad Fikri Alamsyah Muhammad Iqbal Nurdwiratno Muhammad Rafli Muhammad Syukri Nasrul Muhammad Yusuf Mulya, Rika Noviana Munawar Asikin Munawaroh Musyaffi, Ayatulloh Michael Nabila Risty Rizkita Nabila Syafira Nada, Shafwatun Nana Supriatna Nanda Asifa Putri Nanda Asifa Putri Nanda Melandri Naura Artanti Shafwan Wibowo Nayla Zannata Mugni Nazwa Eka Putri Nazwa Jelita Soleha Nazwa Ramadhani Netty Meilina Pardede Nida Auliyah Ningsih, Rifa Silviaty Nirmala Fauziah Nisrina Nibras Nisrina Raniah Nofriska Krissanya Nopridawati Norjanah, Nika Fitri Nurhana Kholifah Nurshinta Nurshinta Nurshinta, Nurshinta Nurul Anissa Oktobisono, Anggriawan Olivia Tiara Paquita, Shiva Silvia Ponco Dewi Karyaningsih Prihastomo, Galih Purwana E.S., Dedi Puspa Nuraini Putri Puspita Mekar Sari Putri Nabila Putri Wahyuningsih Putri Yasmin Putrianna R. Muh Deddy Hanif Sardjito Rachel Adzkia Zahra Radja Rafi Aryawira Raeesah Shalsabila Anjani Prameswary Rafi, Narendra Pakala Rahmadghani, Taufiq Rahmi Rahmi Raihan Kamilun Amin Raissa Diamantha Kalila Rangga Aksara, Frenda Ranisya Refanka Adhar Raniyah Kamilah Ranty Pratiwi Regina Humaningtyas Purba Reimond Napitupulu Resti Prima Reysa Almaira Anandita Rhi Muhammad Ibnu Hibban Riansyah, Raisan Agus Rida Prihatni Rika Vebina Tarigan Rina Cristiningsih Rindi Nurlaila Sari Rio Alfian Rosid Risma Callista Athallah Risma Callista Athallah Riswandi Riswandi Riyadi, Salsabila Annisa Riza Azzahra Rizki Firdausi Rachma Dania Rizki Syaban Mulyasaputra Rizky, Ananda Mochammad Rizqi Amalliyah Robith Ali Zain Musyafa Romanus Mando Fransius Silaen Roni Faslah Roni Faslah Rukmana, Amelda Elsa Ruwayda Ruwayda Ryna Parlina Ryna Parlyna Ryna Parlyna Ryuki Satria S. Suryadi Safira Balqis Siahaan Samsul Jamaludin, Muhamad Sarah Permata Utami Seilatu, Novan Yonatan Septamasurya, Rafli Setyawan, Muhammad Dimas Arbi Shandy Aditya Shandy Aditya, Shandy Shuja Azmi Ismail Silvana Rizkiyah Siti Nurlaela Stanny Dewanty Rehatta Stefanus Hendrik Lapian Suherman Suherman Sulastri, Tita Sumayyah Aziz Suparman, Ady Fahril Suparno Suparno Suparno Suparno Suryadi Suryadi Susan Febriantina SUSAN FEBRIANTINA, SUSAN Susetya Nugroho Syadin Alivia Yusuf Syaputri, Shyndy Syarifah Nadira Assegaf Syifa Amalia Ash Shufi Syukur, Aris Muhamad Tasha Dwi Oktora Tasya Aqilah Teja Supraba Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Terrylina Arvinta Monoarfa Terrylina Arvinta Monoarfa Teuku Rio Febrian Alfa Risky Tiara Giani Putri Tri Adi Santosa Tri Hesti Utaminingtyas Tri Nada Nisrina Tri Nada Nisrina Ulfah Zulkarnain, Nadia Umar Hasan Umar Hasan Umi Widyastuti Umi Widyastuti Usep Suhud Vania Utami Vannisa Fahrani Verry Febriansyah Verry Febriansyah Victorianus Mario Isdianto Bimo Adi Vina Devi Yekti Irawan Vina Devi Yekti Irawan Vinia Auliya Vita Putri Hapsari Viyonila Pratiwi Wahyu Eka Pratiwi, Sovia Wangi Lestari 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