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All Journal Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Journal of Central Banking Law and Institutions
Marlina Wijayanti, Dwi
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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IMPROVING DIGITAL BANKING THROUGH RISK ASSURANCE: TAM MODIFICATION ANALYSIS Marlina Wijayanti, Dwi; Al-Banna, Hasan; Nurdany, Achmad
Journal of Central Banking Law and Institutions Vol. 3 No. 1 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jcli.v3i1.172

Abstract

The rapid growth of digital banks has been followed by changing customer behaviour patterns. On the other hand, customer perceptions of digital banks are that they still carry considerable risk. Therefore, the role of institutions in providing certainty and security guarantees for digital banking customers is very important. Based on this situation, this research explores what factors can encourage individuals to use digital banks, which are currently growing quite rapidly through the role of institutions. The Technological Acceptance Model (TAM) is used as a construct in exploring individual behaviour in reaction to technological innovation in digital banks. In addition, risk guarantees from government institutions are also explored as safeguarding customer security. The sample for this study were 977 digital bank users. Data was collected through a self-administered survey. The results show that perceived service quality (PSQ), service innovation (SI), perceived usefulness (PU), perceived ease of use (PEoU), attitude, and behavioural intentions are factors that encourage actual use of digital banking services. It is also known that perceived risk assurance moderates the relationship between attitude and behavioural intention. This research contributes to policy makers for the expansion of digital bank market share through appropriate marketing strategies for digital banks, as well as strategies to increase deposit insurance literacy.
IMPROVING COMMUNITY ECONOMY BY REVITALIZATION OF TRADITIONAL MARKET Sekaringsih, Riswanti Budi; Marlina Wijayanti, Dwi; Muhfiatun, Muhfiatun; F. Awaliyah, Dien
Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 7 No. 1 (2023): MARET
Publisher : LPPM Univ. Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/abdidos.v7i1.1546

Abstract

The existence of traditional markets helps many aspects of people's lives. However, many people have turned to modern markets due to poor governance of traditional markets. Therefore, this dedication is aimed at implementing various programs that can improve the quality of it. This dedication was conducted using a community-based action service method. The results are improvements in physical and non-physical conditions such as traders' zoning, good and professional management, as well as qualified human resources for traders and market managers in order to increase the competitiveness of traditional markets. Thus, the number of consumer visits to shop at traditional markets can increase, so that it can affect the increase in the income of traders. Keberadaan pasar tradisional membantu banyak aspek kehidupan masyarakat. Meskipun demikian, sudah banyak masyarakat yang beralih ke pasar modern akibat tidak baiknya tata kelolanya. Pengabdian ini ditujukan untuk menerapkan berbagai program yang dapat meningkatkan kualitas. Dedikasi dilakukan dengan metode community-based action service. Hasilnya adanya perbaikan kondisi fisik dan non fisik seperti zonasi pedagang, manajemen pengelolaan yang baik dan profesional, pedagang dan pengelola pasar yang berkualitas mampu meningkatkan daya saing pasar tradisional. Dengan demikian jumlah kunjungan konsumen berbelanja dapat meningkat, sehingga dapat berpengaruh terhadap peningkatan pendapatan pedagang.
Co-Authors Achmad Nurdany, Achmad Al-Banna, Hasan F. Awaliyah, Dien Muhfiatun, Muhfiatun Sekaringsih, Riswanti Budi