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All Journal Journal Economic and Strategy (JES) Salam (Islamic Economics Journal)
Ilham, Aulia Puja
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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Pengaruh Fleksibiltas Layanan Digital Payment, Perilaku Konsumtif dan FoMo (Fear Of Missing Out) terhadap Hedonic Lifestyle Gen Z Kota Padang Ikhsanti, Nurul; Ilham, Aulia Puja; Syukri, Sarah; Sari, Rossy Endah Permata
JOURNAL ECONOMICS AND STRATEGY Vol 6 No 1 (2025): Januari - Juni 2025
Publisher : Fakultas Ekonomi Dan Bisnis Universitas Tjut Nyak Dhien

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36490/jes.v6i1.1797

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Fleksibilitas Layanan Digital Payment, Perilaku Konsumtif, dan FoMO (Fear of Missing Out) terhadap Hedonic Lifestyle pada generasi Z di Kota Padang. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Ordinary Least Squares (OLS). Penelitian ini melibatkan 100 responden berusia 15-26 tahun di Kota Padang yang aktif menggunakan digital payment. Hasil penelitian menunjukkan bahwa variabel Perilaku Konsumtif dan FoMO berpengaruh positif dan signifikan terhadap Hedonic Lifestyle. Sementara itu, Fleksibilitas Layanan Digital Payment tidak memiliki pengaruh yang signifikan. Temuan ini mengindikasikan bahwa gaya hidup hedonis pada generasi Z lebih dipengaruhi oleh faktor psikologis dan perilaku konsumsi dibandingkan aspek fungsional teknologi.
The Effect of User Interface, User Experience, and Service Quality on Customer Satisfaction of Generation Z Using Ollin Mobile Banking by Bank Nagari in Padang City Ilham, Aulia Puja
Salam (Islamic Economics Journal) Vol. 6 No. 2 (2025): Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/vb47cw42

Abstract

This study explores the factors influencing customer satisfaction among Generation Z users of the Ollin mobile banking service by Bank Nagari in Padang City. The research focuses on three key variables: User Interface/UI, User Experience/UX, and Service Quality. Using a quantitative approach with Ordinary Least Squares (OLS), the study involved 100 respondents aged 15–26 years in Padang City. The findings reveal that, individually, User Interface and Service Quality have a positive and significant impact on customer satisfaction, highlighting their critical role in enhancing user experience. In contrast, User Experience shows a positive but statistically insignificant effect. When examined simultaneously, all three variables, UI, UX, and Service Quality, positively influence customer satisfaction, indicating that their combined effect can improve overall satisfaction among Generation Z users. These results underscore the importance of a well-designed interface and high-quality service in meeting the expectations of digital banking customers.
Co-Authors Ikhsanti, Nurul Sari, Rossy Endah Permata Syukri, Sarah