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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Ratna Roostika, Raden Roro
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Hubungan Antara Technology Acceptance Model, User Satisfaction, User Trust dan Mobile Banking Adoption Intention pada Pengguna Layanan BNI Mobile Banking Aurelio Putra Subani, Muhammad; Ratna Roostika, Raden Roro
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1152

Abstract

This study explores the relationship between the Technology Acceptance Model (TAM), consisting of perceived usefulness, perceived ease of use, and perceived security, with user trust, user satisfaction, and intention to continue adopting the use of mobile banking services among users of BNI Mobile Banking. The research sample involves users of BNI Mobile Banking in Kudus Regency, and data were collected by distributing questionnaires to 200 respondent offline at Bank Nasional Indonesia (BNI) branch in Kudus. Subsequently, data analysis was conducted using the Structural Equation Modeling (SEM) method with Excel and Smart-PLS software. The research findings indicate that perceived usefulness and perceived ease of use have a positive and significant impact on the intention to adopt mobile banking among users of BNI Mobile Banking. In contrast, perceived security does not have a significant influence on the intention to adopt mobile banking. User satisfaction and user trust also have a positive and significant impact on the intention to adopt mobile banking. Although the perception of ease of use does not significantly affect user satisfaction and user trust, these findings provide valuable insights into understanding the factors influencing the adoption and satisfaction of users in BNI Mobile Banking services.
Identifikasi Source Credibility, Homophily dan Content Quality dari Konsumen Produk Fashion dalam Perilakunya di Media Sosial Yuski Adristia, Ivan; Ratna Roostika, Raden Roro
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 12 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i12.4762

Abstract

This study aims to examine the effect of social media interaction on purchase intention through several factors, namely source credibility, homophily, and content quality on Erigo local fashion products. The population in this study are people Yogyakarta who actively use Instagram social media and are familiar with Erigo products aged less than 20 years to 40 years and over who live in Yogyakarta. The research sample used in this study was 234 respondents obtained through an online survey and analyzed using Smart PLS software with the PLS-SEM method. Based on the results, it is known that social media interaction has a positive effect on source credibility, homophily, and content quality. Homophily and content quality have a positive effect on purchase intention. However, source credibility has a negative effect on purchase intention. Through this study, it is hoped that it can add to the marketing literature on purchase intentions through interactions that occur on social media and. This study also recommends that marketers pay attention to factors that can influence consumers in making purchasing decisions.
Co-Authors Aurelio Putra Subani, Muhammad Yuski Adristia, Ivan