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Journal : MAXIMAL

Persepsi Nasabah Terhadap Layanan Digital Bank BCA: Studi Kualitatif dan Implikasinya dalam Pengembangan Strategi Perbankan Digital Pratiwi Musa, Kartika Septiary
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 1 (2024): Oktober
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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Abstract

This study aims to explore customer perceptions of BCA Bank's digital services and their implications for digital banking strategy development. Using a qualitative approach, in-depth interviews were conducted with active customers using BCA Bank's digital services, while document content analysis was also performed to gain comprehensive understanding. Findings indicate that key factors influencing customer perceptions include user interface quality, system reliability, security, ease of use, and availability of additional features. BCA Bank can utilize these findings to enhance user experience, improve their digital services, and strengthen competitive advantage in the evolving digital banking market.
Penerapan Teori Konsumen dalam Menganalisis Pola Konsumsi Masyarakat Modern Pratiwi Musa, Kartika Septiary
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 1 (2025): Oktober
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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Abstract

This study aims to analyze the theories that explain consumer behavior and the factors that influence it in  the context of modern economics and marketing. The background of this research departs from the  importance of understanding how individuals make decisions in choosing and buying goods or services in  the midst of rapid social changes and digital technology. This study uses a library research method by  examining various scientific sources, books, and national and international journals published in the last  ten years (2015–2025). The results of the study show that consumer behavior is a multidimensional  phenomenon that involves the interaction between economic, psychological, social, cultural, and  technological aspects. Theoretically, consumer behavior is explained through cardinal utility theory,  ordinal utility theory, and inference curve theory, which describe how consumers seek to maximize  satisfaction with resource limitations. In addition, consumer behavior is influenced by internal factors such  as motivation, perception, attitude, and lifestyle, as well as external factors such as culture, social groups,  family, and economic conditions. The findings of this study confirm that consumer behavior in the digital  age is not only driven by economic rationality, but also by symbolic value, emotions, and awareness of  sustainability. This research is still conceptual, so further empirical studies are needed to test the  application of consumer behavior theory in different industry contexts. The results of this study are expected  to contribute to the development of management and marketing science, as well as become the basis for  companies to design adaptive, ethical, and sustainable marketing strategies.
Performativitas Identitas Generasi Terpinggirkan di Platform Sosial Media Pratiwi Musa, Kartika Septiary
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 2 (2025): Desember
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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Abstract

The study aims to examine the socio-cultural impact of digital on the identity and life orientation of the younger generation. Amid the development of information technology and social media, young people are often faced with social pressure, false standards of success, and loss of authentic values ​​in forming their identity. This phenomenon shows symptoms of an identity crisis that is not only personal, but also systemic as part of a cultural shift. The study highlights how social media shapes self-construction, creates an unhealthy competitive space, and influences important decision-making such as education and career. This crisis shows that the younger generation is in a vulnerable position, both psychologically and socially. This study was conducted using a descriptive qualitative approach, based on in-depth interviews with high school and college students in South Jakarta. The results show that the majority of respondents experience value disorientation, digital self-image pressure, and uncertainty about the direction of life. Research recommendations emphasize the importance of digital literacy, strengthening character education, and developing supportive social spaces to help young people build a healthy identity and a clear direction in life.