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TRANSFER AND PAYMENT APPLICATIONS SERVICE QUALITY: THE MODIFIED E-SERVQUAL AND IMPORTANCE-PERFORMANCE ANALYSIS Moch Rizky Gumelar Erlandya; Rio Guntur Utomo; Rahmat Yasirandi
JIPI (Jurnal Ilmiah Penelitian dan Pembelajaran Informatika) Vol 10, No 3 (2025)
Publisher : STKIP PGRI Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29100/jipi.v10i3.6423

Abstract

Innovation and technological progress have significantly impacted various sectors, notably Indonesia's financial and banking industry. This sector has seen remarkable growth, particularly with the rise of digitalization. A prominent development in this context is financial technology, or fintech, which has emerged to address needs and issues not sufficiently met by traditional banking services in Indonesia. Among fintech innovations, Transfer and Payment technologies have become increasingly popular. Despite these technologies' benefits, they are frequently criticized for various usage-related issues. This study uses the Modified E-Servqual and Importance Performance Analysis (IPA) methods to evaluate the service quality of Transfer and Payment applications in Indonesia. It aims to assess user perceptions and expectations, identify areas for improvement, and determine which service dimensions require enhancement. The research involved 400 respondents who used Transfer and Payment applications. To ensure reliability, the Kuder-Richardson (KR-21) formula is applied to the measurement tool, while descriptive analysis and IPA are utilized to evaluate and map service quality. Findings reveal that user perceptions of the Transfer and Payment applications are rated as ‘good,’ with an average score of 4.01 out of 5.00 (80%). User expectations are slightly lower, at 3.93 out of 5.00 (79%), but still categorized as ‘good.’ However, several attributes fall short of user expectations, particularly in Reliability, Personal Needs, User Friendliness, and Responsiveness.
IMPLEMENTATION OF E-SERVICE QUALITY METHOD AND IMPORTANCE PERFORMANCE ANALYSIS (IPA) FOR SERVICE QUALITY ANALYSIS ON WATTPAD APPLICATION Arta Novrida Lumban Raja; Rio Guntur Utomo
JIPI (Jurnal Ilmiah Penelitian dan Pembelajaran Informatika) Vol 10, No 1 (2025)
Publisher : STKIP PGRI Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29100/jipi.v10i1.5945

Abstract

Everyday life now requires mobile applications. One popular application is Wattpad, an online platform that allows users to read, write, and share stories for free, though some are also paid. With millions of users worldwide, Wattpad has become a trendy place for writers and readers to interact and enjoy literary works. However, with the rapid growth of Wattpad users, application managers need to ensure the quality of service they provide to users. This research involved 402 respondents who are active users of the Wattpad application. Given the importance of service quality in maintaining Wattpad's competitiveness in a competitive market and enhancing the user experience, this study applies the Importance of Performance Analysis (IPA) and E-Service Quality methods. Site Organization, Responsiveness, Reliability, User Friendliness, Personal Needs, and Efficiency are the six variables used to measure user perceptions. After data was collected through the distribution of questionnaires to Wattpad users, the data was analyzed using SPSS. The analysis results show that the level of user satisfaction with the services offered by the Wattpad application reaches 85%
Lexicon-enhanced aspect-based sentiment analysis for evaluating Indonesian learning applications Wibowo, Jonathan Arya; Lubis, Muharman; Utomo, Rio Guntur; Ladkoom, Kobthong
Indonesian Research Journal in Education |IRJE| Vol. 10 No. 3 (2026): IRJE |Indonesian Research Journal in Education| in Progress|
Publisher : Universitas Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/irje.v10i3.55965

Abstract

This study evaluates user perceptions of two Indonesian learning applications, Ruangguru and Pahamify, through lexicon-enhanced aspect-based sentiment analysis of 14,768 Google Play reviews published between 2020 and 2025. EduAppLex-ID, a pilot domain lexicon containing 46 multiword expressions, was developed as an extension of the Indonesian Sentiment Lexicon. Overall sentiment toward both applications was favorable, with Pahamify showing a small but statistically significant advantage. Pedagogical quality received the most positive evaluation, whereas system quality was evaluated negatively for both applications. Monetization produced the largest difference between the applications. A lexicon audit identified eighteen high-frequency entries whose polarity assignments were unsuitable for the educational-application domain. These entries accounted for approximately one-fifth of the corpus’s sentiment mass, and their removal increased the observed between-application effect size. Because no human-annotated validation dataset was available, interpret the findings as exploratory evidence. The results demonstrate the importance of domain-specific lexicon calibration and aspect-level analysis when examining Indonesian educational-application reviews.
Analysis of Users' Perception of Security and Trust in Information Security in the WhatsApp Chat Backup Feature Mariska Diksy Yuniar; Rio Guntur Utomo
Equivalent: Jurnal Ilmiah Sosial Teknik Vol. 8 No. 3 (2026): Equivalent: Jurnal Ilmiah Sosial Teknik
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jequi.v8i3.378

Abstract

Background: Advances in communication technology have driven the increased use of instant messaging apps like WhatsApp, including chat backup features, which are linked to security and user trust in cloud-based data storage. This situation is exacerbated by low user digital literacy, with most users unaware that WhatsApp message backups on Google Drive are not automatically protected by end-to-end encryption. Objective: This study aims to analyze the factors influencing user perceptions of security and trust in WhatsApp's chat backup feature and their impact on continued usage intentions using the Push–Pull–Mooring (PPM) model. Methods: Data were collected through an online questionnaire from 447 active WhatsApp users aged 20–50 in Indonesia and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the help of SmartPLS 4 software. Results: The results showed that institutional privacy concerns had no significant effect on usage intention (p = 0.123), while relative privacy protection had a significant but weak effect (p = 0.049; f² = 0.008). Regarding the mooring factor, evaluation cost (p < 0.001; β = 0.309) and transition cost (p < 0.001; β = 0.510) significantly influenced switching exhaustion, while replacement cost had no significant effect. Furthermore, switching exhaustion was shown to significantly influence usage intention (β = 0.418; p < 0.001). Conclusion: Results indicate that user decisions are influenced not only by perceived security and trustworthiness, but also by barriers and psychological fatigue when considering switching services. A Goodness of Fit (GoF) value of 0.460 indicates the model's overall performance is good.
Edukasi Pelindungan Data Pribadi dalam Penguatan Literasi Digital Anak Usia Dini di TK Sarah Shabrina Kota Bandung Dita Oktaria; Febri Dawani; Farisya Setiadi; Rio Guntur Utomo; Santiago Paul Erazo Andrade; Ade Riska Nur Astari; Ulya Rahmanita
KENDURI : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 6 No. 2 (2026): May-August
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/kenduri.v6i2.2746

Abstract

The rapid advancement of digital technology has increased young children's interaction with digital devices while simultaneously exposing them to greater risks related to personal data misuse and digital privacy. This condition highlights the importance of introducing personal data protection from an early age by involving teachers as key facilitators of digital literacy in early childhood education. This community service program aimed to enhance teachers' and young children's understanding of personal data protection as part of strengthening digital literacy. The program was implemented at TK Sarah Shabrina, Bandung, involving 12 kindergarten students and 3 teachers. The educational activities employed an interactive learning approach consisting of storytelling, educational posters, safe and unsafe behavior identification games, coloring activities, and a scenario-based pictorial assessment. Program evaluation was conducted through teacher interviews, learning recall sessions, and pictorial assessments for students. The findings indicated that teachers demonstrated a better understanding of personal data protection and expressed their commitment to integrating the topic into classroom learning. Meanwhile, all participating children achieved either good or excellent levels of understanding, with 66.7% categorized as excellent and 33.3% as good in identifying safe and unsafe behaviors related to personal data protection. In addition, the program produced educational media and a pictorial assessment instrument that can be sustainably utilized by the school. These findings suggest that contextual, participatory, and developmentally appropriate learning approaches are effective in strengthening digital literacy and fostering awareness of personal data protection among young children.
Co-Authors Ach Disya Milcky Ade Riska Nur Astari Adhitya Cahyadi Ahmad Dzaky Ar Razi Al Makky, Muhammad Alifya Chairunnisa Korosa Andhika Akbar Andika, Ryan Austin Arka Hamzah Septana Arta Novrida Lumban Raja Arya Mandalika, Mohamad Aryo Bhagaskoro AS, Andi Annisa Shalsa Hardiyanti Bawono, Marastika Wicaksono Aji Benjamin Caessar Hasudungan Situmea Cecep Nurul Alam Cecep Nurul Alam, Cecep Nurul Cintya Risquna Risquna Dana Sulistyo Kusumo Dawam Dwi Jatmiko Suwawi Devana Setyawati Dimas Prakoso Dita Oktaria Ditya Ilmi Rizqi Ditya Ilmi Rizqi Early Aziza Aulya Iskandar Fahmi Candra Permana Fahmi Septiano Shesta Fahreza Ananda Farisya Setiadi Febri Dawani Febrianti, Amalia Rizki Ferdi Feriandi Gamma Kosala Gary Wills, Gary Hidayatus Sholikhin Hilal Hudan Nuha Hita Pradipta Heroestyo Iqbal Jamiarsad Isa Mulia Insan Ismail, Hazim Itsna Siha Arzaqi Adma Nasruddin Jandika Triindra Burhan Jonathan Arya Wibowo Kailla, Kimberly Kania Ayu Natya L akshita Anpaduesta Ajid Kirani, Zahra Anadya Kobthong Ladkoom Kusuma Adi Achmad Ladkoom, Kobthong M Alvie Helmuzar Maisyadiva, Rafli Mariska Diksy Yuniar Martin Halomoan Tamba Maylawati, Dian Sa'adillah Meilani Kesuma Nababan Moch Rizky Gumelar Erlandya Mochammad Nabiel Adiputra Moh. Rassel Pramadansyah Mohammad Mirza Qusyairi Mohammad Rizqi Akmaludin Assifa Muhamad Agus Triawan Muhamad Irsan Muhammad Al Makky Muhammad Alfin Arroyan Muhammad Faris Fathoni Muhammad Rifqi Fauzani Muhammad Rizki Illahi Muhammad Rizqi Fadhilah Muhammad Zahwan Latif Muhammad Zahwan Latif Muharman Lubis Nadya Putri Nafisa, Falea Amira Naufal, M Farid Niken Dwi Wahyu Cahyani Nikita Maulidya Edison Novi Maria Natalia Novian Anggis Suwastika Novian Suwastika Nuha, Hilal H Nurra Aulia Saffana Panji Dirgantara, Deni Parman Sukarno Pattiradjawane, Antonio Bennarivo Putra, Rafli Qori Qonita Qusyairi, Mohammad Mirza Radiana De Salma Raditya Wicaksono Prihatnoko Wicaksono Prihatnoko Rafael Sebastian Rafi Rahardika Sugiharto Rahmat Yasirandi Rajagukguk, Vikka Dwi Nauli Haro Rakha Satria Pratama Ramanti Dharayani Rezky Maulana Ridha Muldina Negara Rifqi Syafiq Hibatul Aziz Rivaldo Rizky Junior Santiago Paul Erazo Andrade Satria Mandala Sisilia Sylviani Sri Rezeki Stelamaris, Bonefasia Salvatore Sutiyo Tasya, Muhammad Azel Ulya Rahmanita Wahyu Pradana, Reza Fauzar Walters, Robert Wibowo, Jonathan Arya Wiguna, Muhamad Rantau Gangga Yandi Putra Pangestu Yasriandi, Rahmat Yobel Alvino Kastanja Yogi Anggun Saloko Yudhistira Nugraha Yusep Rosmansyah Zahri, Alfitranta Armikha Zelmi Muhammad Adjel Zihan Kalila Gusnan Zihni Nawfal Gusti Fadhillah