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This Author published in this journals
All Journal Diponegoro Journal of Economics Eduvest - Journal of Universal Studies
Amie Kusumawardhani
Universitas Diponegoro
Aerospace Engineering Computer Science & IT Economics, Econometrics & Finance Health Professions Neuroscience Social Sciences

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The Study of Payment Compliance of Independent Workers of National Health Insurance in BPJS Kesehatan Branch Office Ungaran Beatrik Yosephine Sitorus; Harry Soesanto; Amie Kusumawardhani
Diponegoro Journal of Economics Vol 9, No 1 (2020)
Publisher : Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djoe.31491

Abstract

BPJS Kesehatan prove the presence of the country in the welfare of the community, especially in the field of health, and also become evidence for the community to improve the welfare of the lives of the people. But on his journey BPJS Kesehatan has difficulties health financing where one of them is the impact of lack of awareness and compliance of participants, especially the independent worker participants in making dues payments sustainably. The object of this research is the independent workers registered in Ungaran branch office. The analysis used in this research is Structural Equation Modelling (SEM). The invention of this research is the customer experience positively influence the perception of service quality, customer experience positively influences the ease of making payments, perception of service quality positive effect on compliance with payments, ease of payment is positively influential on compliance with payments, and ability to pay has no effect on compliance with payments.
Analysis of Interactive Communication, Incentive Program and User Experience on Bank Customer Decision Through Brand Image as Intervening Variable (Study on BNI Mobile Banking Users) Zulfikar Aditya Rachman; Amie Kusumawardhani
Eduvest - Journal of Universal Studies Vol. 5 No. 12 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i12.52488

Abstract

The background of this research stems from the rapid digital transformation in banking, which has not been fully matched by financial literacy and public understanding of digital services, as well as research gaps in previous findings on the influence of digital marketing variables on brand image and customer decisions. This study aims to analyze the influence of Interactive Communication, Incentive Program, and User Experience on bank customer decisions, with brand image as an intervening variable, among customers using Bank BNI digital banking services in Semarang City. The research addresses the gap between rapid digital transformation in banking and limited financial literacy, as well as inconsistencies in previous research findings. This study employs a quantitative approach with proportionate random sampling and Partial Least Squares (PLS) analysis. The results show that interactive communication and user experience have positive and significant effects on brand image, while the incentive program has a positive but insignificant effect. Brand image has a positive and significant influence on bank customer decisions, positioning it as an important link between digital marketing strategies and customer decisions. These findings confirm that strengthening interactive communication and superior user experience is more critical for brand image formation than merely providing financial incentives, offering strategic implications for banking management in designing competitive digital marketing strategies.
Co-Authors Beatrik Yosephine Sitorus Harry Soesanto Zulfikar Aditya Rachman