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All Journal Jurnal Mantik Indonesian Journal of Innovation Multidisipliner Research
Juniwati Juniwati
Universitas Tanjungpura, Indonesia
Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media

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How Does Personalization by Artificial Intelligence on TikTok Influence Purchase Intention? Meiliya Anjelita; Juniwati Juniwati; Bintoro Bagus Purmono; Wenny Pebrianti; Pramana Saputra
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.v7i3.4412

Abstract

The rise of technology has brought about a surge in internet-based services, shaping social media into a platform for both promotion and online commerce. This study aims to assess the influence of artificial intelligence-driven personalization on purchase intention within the context of TikTok's social media platform. The variables examined in this study encompassed the impact of perceived usefulness, perceived ease of use, and attitude toward personalization on purchase intention within TikTok. This study employs Structural Equation Modeling (SEM) and AMOS 22 statistical software to examine the association between the independent and dependent variables to provide empirical evidence supporting the formulated hypothesis. The data collection methodology employed in this study was a questionnaire administered to a sample of 206 respondents, selected using purposive sampling. The results of this study indicate that the perceived usefulness and perceived ease of use personalization by artificial intelligence have a notable and favorable influence on individuals' attitudes toward personalization. The attitude towards personalization also exhibits a strong influence on purchase intention. Meanwhile, the attitude towards personalization mediates between the perceived usefulness of personalization by artificial intelligence and the perceived ease of use of personalization by artificial intelligence concerning purchase intention.
Pengaruh Fee-Based Income, Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Dana Pihak Ketiga terhadap Profitabilitas Bank Digital di Indonesia dengan Ukuran Bank sebagai Moderasi Welly Putri Ningsih; Juniwati Juniwati; Helma Malini; Heriyadi Heriyadi; Anggraini Syahputri
Indonesian Journal of Innovation Multidisipliner Research Vol. 4 No. 3 (2026): Juli - September
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v4i3.2086

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Fee-Based Income (FBI), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Dana Pihak Ketiga (DPK) terhadap profitabilitas bank digital di Indonesia dengan Ukuran Bank sebagai variabel moderasi. Profitabilitas merupakan indikator utama dalam menilai kinerja keuangan bank, khususnya di tengah pesatnya perkembangan industri perbankan digital yang menghadapi persaingan semakin ketat dan tuntutan efisiensi operasional yang tinggi. Penelitian ini menggunakan pendekatan kuantitatif dengan memanfaatkan data sekunder yang diperoleh dari laporan keuangan tahunan bank digital yang dipublikasikan secara resmi melalui situs web masing-masing bank selama periode 2017–2024. Profitabilitas diukur menggunakan Return on Assets (ROA), sedangkan Ukuran Bank diproksikan dengan total aset. Analisis data dilakukan menggunakan regresi data panel dengan pendekatan Moderated Regression Analysis (MRA) untuk menguji pengaruh langsung maupun efek moderasi dari ukuran bank. Hasil penelitian menunjukkan bahwa Fee-Based Income berpengaruh positif namun tidak signifikan terhadap profitabilitas bank digital. Sebaliknya, BOPO berpengaruh negatif dan signifikan terhadap profitabilitas, yang mengindikasikan bahwa peningkatan biaya operasional akan menurunkan kemampuan bank dalam menghasilkan laba. Dana Pihak Ketiga juga terbukti berpengaruh signifikan terhadap profitabilitas bank digital. Selain itu, Ukuran Bank hanya mampu memoderasi hubungan antara BOPO dan profitabilitas, tetapi tidak mampu memoderasi pengaruh Fee-Based Income maupun Dana Pihak Ketiga terhadap profitabilitas. Temuan penelitian ini menegaskan bahwa efisiensi operasional serta pengelolaan dana yang optimal merupakan faktor utama dalam meningkatkan profitabilitas bank digital di Indonesia dan dapat menjadi bahan pertimbangan bagi manajemen dalam merumuskan strategi peningkatan kinerja keuangan secara berkelanjutan.
Co-Authors Anggraini Syahputri Bintoro Bagus Purmono Helma Malini Heriyadi Heriyadi Meiliya Anjelita Pramana Saputra Welly Putri Ningsih Wenny Pebrianti