Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
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This Author published in this journals
All Journal IIJSE Journal of Ekonomics, Finance, and Management Studies
Sri Widyastuti
Universitas Pancasila, Jakarta, Indonesia
Religion Economics, Econometrics & Finance

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Model Inovasi Perbankan Menuju Branchless Banking: Studi Kualitatif Adopsi Teknologi Berbasis Value Integrasi Schwart Value dan Utaut 2 Ahmad Hendra Marfiadi; Sri Widyastuti; Mombang Shite
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.9117

Abstract

The objective of this study is to explore customer values specifically value conversation, openness to change, self-enhancement, and self-transcendence in the use of mobile banking, based on the UTAUT2 framework. This is a qualitative study, employing Focus Group Discussions (FGDs) as the data collection method. Each value category is represented by 4 to 6 respondents, with participants confirmed to be willing to join the FGD sessions. The findings indicate that mobile banking is more likely to be accepted by users when the app’s features and design are aligned with their core values. For conservative users, strong security features and a simple user interface are more appealing. Conversely, users with openness values are more attracted to innovative, flexible, and customizable features. Features that enable social contributions attract users who value self-transcendence, while those oriented toward self-enhancement are drawn to features that support efficient personal financial management.
Bridging the Attitude-Behavior Gap in Green Consumption: A Systematic Literature Review and Integrative Framework Indra Permadi; Arissetyanto Nugroho; Sri Widyastuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.9201

Abstract

The persistent attitude-behavior gap represents one of the most significant challenges in sustainable consumption research. Despite growing environmental consciousness, consumers frequently fail to translate their pro-environmental attitudes into actual green purchase behavior. This systematic literature review synthesizes existing research on the mechanisms that bridge or widen this gap, with particular focus on the dual psychological pathways of value perception and trust formation. Following PRISMA 2020 guidelines, this study systematically reviews empirical articles published between 2016-2025 from Scopus and Web of Science databases. The Theory-Context-Characteristics-Methodology (TCCM) framework is employed to organize and synthesize findings, identify research gaps, and propose future research directions. The review reveals that the Theory of Planned Behavior and Value-Belief-Norm Theory dominate the theoretical landscape, while Signaling Theory remains underutilized. Green perceived value and green trust emerge as critical mediating mechanisms, with the value-based pathway demonstrating stronger effects in emerging market contexts. Environmental concern functions as a significant boundary condition that strengthens the translation of psychological antecedents into actual behavior. This study contributes by integrating fragmented findings through comprehensive TCCM analysis, proposing an integrative dual-pathway framework, and providing a structured research agenda. The review advances theoretical understanding of how environmental signals are processed through cognitive and affective mechanisms to influence consumer behavior.
Co-Authors Ahmad Hendra Marfiadi Arissetyanto Nugroho Indra Permadi Mombang Shite