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All Journal Journal of Economics and Social Sciences Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Aksi Kita: Jurnal Pengabdian Kepada Masyarakat Indonesia Economic Journal
Asa, Ringga Sentagi
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Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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The Impact of QRIS on Consumer Behavior in Urban Areas Asa, Ringga Sentagi; Shabrina, Fildzah
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.957

Abstract

The purpose of this study is to study how urban consumer behavior is influenced by the implementation of digital payment systems, specifically the Quick Response Code Indonesian Standard (QRIS). This study used a quantitative approach, sending questionnaires to respondents in urban areas. The research results show that QRIS usage and ease of access influence consumer behavior. Key findings indicate that people purchase more frequently, are more likely to engage in consumer behavior, and prefer cashless payments. Due to the convenience of QRIS, 62% of respondents reported making more impulse purchases. In addition, consumers' perceptions of the practicality and security of QRIS also help them prefer to use it. The majority of respondents considered QRIS secure (76%) and faster than cash payments (84%). This research shows that QRIS implementation not only increases the speed and convenience of transactions but also has socio-economic consequences, such as an increased propensity to spend more money in urban areas.
Pengaruh Perceived Ease of Use dan Perceived Risk Terhadap Customer Loyalty Melalui Customer Satisfaction pada Aplikasi E-Wallet Wiratama, Julius Adi; Munawaroh, Munawaroh; Asa, Ringga Sentagi
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/6y1g3t85

Abstract

The increasing use of digital wallet (e-wallet) services in Indonesia highlights the need for a deeper understanding of the factors that influence user loyalty. This research is conducted to examine the influence of perceived ease of use and perceived risk on customer loyalty, with customer satisfaction positioned as a mediating variable within the context of the LinkAja e-wallet application. A quantitative research design is employed by distributing structured questionnaires to 190 active LinkAja users across Indonesia. The collected data are analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS version 4.0. The findings indicate that perceived ease of use exerts a positive and statistically significant impact on customer satisfaction, whereas perceived risk demonstrates a negative and significant effect on customer satisfaction. In addition, customer satisfaction is found to positively influence customer loyalty and to significantly mediate the relationship between perceived ease of use and perceived risk on customer loyalty. These results imply that optimizing system usability and effectively managing perceived risks are crucial in improving user satisfaction and fostering long-term loyalty toward e-wallet services.
Faktor-Faktor yang Memengaruhi Continuance Intention Penggunaan QRIS BRI Merchant oleh Pelaku UMKM di Jakarta Ardiyansyah, Daril Fajar; Noviarini, Diena; Asa, Ringga Sentagi
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/82yav816

Abstract

This study aims to analyze the effects of perceived ease of use, perceived usefulness, and trust on the continuance intention to use QRIS BRI Merchant among Micro, Small, and Medium Enterprises (MSMEs) in DKI Jakarta, partially. This research employs a quantitative approach using a survey method and Structural Equation Modeling with a Partial Least Squares (SEM-PLS) technique. The sample consists of 160 MSME owners who use QRIS BRI Merchant in DKI Jakarta, selected through purposive sampling. The data were analyzed using SmartPLS software. The results indicate that: (1) perceived ease of use has a positive and significant effect on the continuance intention to use QRIS BRI Merchant; (2) perceived usefulness has a positive and significant effect on the continuance intention to use QRIS BRI Merchant; and (3) trust has a positive and significant effect on the continuance intention to use QRIS BRI Merchant. These findings highlight the importance of system usability, perceived benefits, and user trust in encouraging the sustained use of digital payment systems. This study is expected to provide practical insights for banking institutions to enhance the quality and reliability of QRIS services in order to support the long-term adoption of digital payment systems among MSMEs.
Analisis Aspek Gamifikasi Terhadap User Enjoyment pada Aplikasi Produktivitas Andani, Adelia Tiara; Noviarini, Diena; Asa, Ringga Sentagi
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 2 (2026): MARET 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/yyzz3h28

Abstract

Perkembangan teknologi digital telah mendorong Generasi Z untuk menuntut pengalaman produktivitas yang tidak hanya efisien tetapi juga menyenangkan (enjoyable productivity). Namun, tantangan muncul ketika penerapan gamifikasi pada aplikasi produktivitas sering kali bersifat dangkal sehingga gagal mempertahankan motivasi pengguna dalam jangka panjang. Penelitian ini bertujuan untuk menganalisis pengaruh elemen gamifikasi (rewards, immersion, social) terhadap pemenuhan kebutuhan psikologis dasar (competence, autonomy, relatedness) dan dampaknya terhadap user enjoyment pada pengguna aplikasi Forest, menggunakan pendekatan Self-Determination Theory (SDT). Sampel penelitian ini terdiri dari 300 pengguna aplikasi Forest dari kalangan Generasi Z yang berdomisili di wilayah Jabodetabek, yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner berskala Likert enam poin dan dianalisis menggunakan software SmartPLS 3.0. Hasil penelitian menunjukkan bahwa rewards berpengaruh positif dan signifikan terhadap competence, serta social berpengaruh positif dan signifikan terhadap relatedness. Namun, immersion tidak berpengaruh signifikan terhadap autonomy. Selanjutnya, competence terbukti berpengaruh positif dan signifikan terhadap user enjoyment. Sebaliknya, autonomy tidak berpengaruh signifikan terhadap user enjoyment, sedangkan relatedness memiliki pengaruh yang signifikan namun negatif terhadap user enjoyment, mengindikasikan adanya fenomena tekanan sosial.
Pemanfaatan Teknologi Digital Tepat Guna untuk Menunjang Ekonomi UMKM di Kabupaten Indramayu Asa, Ringga Sentagi; Shabrina, Fildzah; Kasofi, Adnan; Choerunisa, Adin Nanda; Sudiharjo, M. Hafiyyan
Aksi Kita: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 2 (2026): MARET-APRIL
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/5nqpsk15

Abstract

UMKM di Desa Karangsong Kabupaten Indramayu memiliki peran strategis dalam perekonomian daerah, terutama dalam menciptakan lapangan kerja dan meningkatkan kesejahteraan masyarakat. Namun, banyak UMKM yang masih menghadapi kendala dalam mengadopsi teknologi digital, baik karena keterbatasan pengetahuan, akses terhadap infrastruktur digital, maupun kurangnya keterampilan dalam memanfaatkan teknologi secara optimal. Pemanfaatan teknologi yang tepat guna, seperti e-commerce, digital marketing, sistem pembayaran elektronik, dan aplikasi manajemen bisnis, dapat membantu UMKM meningkatkan produktivitas, memperluas pasar, serta mengelola usaha dengan lebih efisien. Oleh karena itu, diharapkan pelatihan ini dapat membantu UMKM dalam mengadopsi teknologi digital secara efektif dan berkelanjutan guna mendorong perekonomian secara berkelanjutan.
Co-Authors Andani, Adelia Tiara Ardiyansyah, Daril Fajar Choerunisa, Adin Nanda Diena Noviarini Kasofi, Adnan Munawaroh Munawaroh Shabrina, Fildzah Sudiharjo, M. Hafiyyan Wiratama, Julius Adi