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All Journal Jurnal Mantik Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Nur Afifah
Universitas Tanjungpura, Indonesia
Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences

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Does task technology fit, social influence, and habit impact on actual usage of mobile banking in Indonesia? Rafisya Arinda Pramesti; Nur Afifah; Erna Listiana; Wenny Pebrianti; Ana Fitriana
Jurnal Mantik Vol. 7 No. 3 (2023): November: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v7i3.4404

Abstract

Currently, technological developments are increasingly rapid due to digitalisation. Digitalisation has caused several phenomena that encourage community activities, including the cashless society phenomenon. The implementation of mobile banking in cashless transactions in the cashless society phenomenon is driven by several factors. This research was conducted to determine the influence of task technology fit, social influence, and habit on cashless behavioural intention and impacts on actual usage of BNI Mobile Banking in Indonesia. This research adopts the UTAUT 2 and Task Technology Fit model theories. This research is a quantitative research with 236 respondents. The research measurement model was analysed using Structural Equation Modeling (SEM) and the AMOS 22 statistical tool. The findings of this study show that task technology fit, social influence, and habit all positively impact people's intention to implement cashless behaviour, which positively impacts the actual usage of BNI Mobile Banking. Cashless behavioural intention can also mediate task technology fit, social influence and habit on actual usage of BNI Mobile Banking. Through digital and mobile banking solutions, this research supports the marketing strategy of the banking industry to turn Indonesia towards a cashless society by 2030.
Online review credibility and digital campaigns impact consumer decisions through e-reputation mediation Nur Afifah; Haliza Nabila Putri
Jurnal Mantik Vol. 7 No. 4 (2024): February: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v7i4.4627

Abstract

This article investigates the intricate dynamics influencing consumer behavior within the digital landscape, focusing on PT Sakura Dwi Mandiri as a case study. The study explores the relationships between Online Review Credibility, Digital Campaign Effectiveness, E-Reputation, and Consumer Purchasing Decisions. The findings underscore the substantial impact of online review credibility on both e-reputation and consumer purchasing decisions, emphasizing the pivotal role of perceived trustworthiness in shaping consumer choices. Additionally, the study reveals a direct and significant influence of e-reputation on consumer purchasing decisions, highlighting the strategic importance of cultivating a positive digital image. While the direct effect of digital campaign effectiveness on e-reputation falls short of significance, a marginally significant indirect effect suggests a potential influence on consumer decisions mediated by e-reputation. The insights gained offer valuable implications for businesses, providing guidance on managing online review credibility and cultivating a positive e-reputation to drive favorable consumer purchasing decisions in the dynamic digital marketplace
Pengaruh Social Media Marketing dan Fomo terhadap Purchase Intention Produk Cicil Emas pada PT Pegadaian Pontianak dengan Brand Trust sebagai variabel Moderasi Gavin Satria Pangestu; Wendy Wendy; Harry Setiawan; Nur Afifah; Bintoro Bagus Purmono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i3.11666

Abstract

The development of digital technology has driven changes in financial services marketing strategies, including for PT Pegadaian's Gold Installment product, which faces competition from digital investment platforms. This situation has prompted Pegadaian to optimize social media marketing and leverage the Fear of Missing Out to increase purchase intention, particularly among the younger generation. This study aims to analyze the influence of social media marketing and Fear of Missing Out on purchase intention for the Gold Installment product, with brand trust as a moderating variable. The study used a quantitative approach with explanatory research through online questionnaire data collection from respondents who met the research criteria. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling method with WarpPLS 8.0. The results show that social media marketing and Fear of Missing Out have a positive and significant effect on purchase intention. Furthermore, brand trust has been shown to strengthen the influence of both variables on purchase intention. This research is expected to provide theoretical contributions to the development of consumer behavior studies and practical implications for PT Pegadaian in strengthening its digital marketing strategy and increasing purchase interest in the Gold Installment product.
Co-Authors Ana Fitriana Bintoro Bagus Purmono Erna Listiana Gavin Satria Pangestu Haliza Nabila Putri Harry Setiawan Rafisya Arinda Pramesti Wendy Wenny Pebrianti