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EXPLORING THE IMPACT OF ECONOMIC CRISES ON CONSUMER BANKING BEHAVIOR AND LOAN PERFORMANCE Zaenal; Agusiady, Ricky; Anggraeni, Vilma Dewi
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 12 (2024): KISA INSTITUE : November 2024
Publisher : PT. Kreatif Indonesia Satu

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Background:Economic crises fundamentally test the resilience of financial systems and significantly transform consumer banking behavior, triggering shifts in attitudes toward risk, borrowing, and savings. Aims:This study investigates the multifaceted influence of economic crises on consumer banking behavior and loan performance across different crisis scenarios. Research Method:Employing a mixed-methods approach, we analyzed three major crises: the 2008 financial crisis, COVID-19 pandemic, and recent inflationary pressures, using data from banking institutions and in-depth interviews. Results and Conclusion:Default rates increased 35% during crises while new loan originations decreased 42%. Consumer savings increased 28%, indicating flight to safety. Behavioral patterns include delayed purchases, preference for adjustable rates, and increased digital banking reliance. Contribution:This research contributes empirical evidence of behavioral transmission mechanisms during economic shocks, offering strategic insights for adaptive risk management frameworks and customer communication strategies.

INVESTIGATING THE INFLUENCE OF DIGITAL PAYMENTS ON THE EVOLUTION OF BANKING SYSTEMS AND CONSUMER HABITS Aripin, Zaenal; Anggraeni, Vilma Dewi; Yulianty, Farida
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 12 (2024): KISA INSTITUE : November 2024
Publisher : PT. Kreatif Indonesia Satu

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Background:Digital payment systems revolutionized financial transactions through mobile wallets, contactless payments, and cryptocurrency, challenging traditional banking models. Aims:This study investigates digital payment adoption's influence on banking system evolution and consumer financial habits. Research Method:Employing longitudinal mixed-methods, we analyzed data from 15 banks across six countries (2019-2024), incorporating transaction pattern analysis and insights from 2,500 consumer surveys. Results and Conclusion:76% of consumers regularly use digital payments; cash transactions declined 45%. Transaction frequencies increased 62% with enhanced budgeting awareness. Banks reduced branches 18% while enhancing cybersecurity investments. Contribution:The study contributes to understanding co-evolution of payment technologies and banking systems, providing strategic insights for managing digital transformation in financial services. This study investigates the influence of digital payments on the evolution of banking systems and consumer financial habits, examining adoption patterns, behavioral shifts, and systemic implications. Research Method: Employing a longitudinal mixed-methods approach, this research analyzes transaction data from 15 banks across six countries over a five-year period (2019-2024), complemented by surveys of 2,500 consumers and interviews with banking executives and fintech leaders. Results and Conclusion: Findings reveal that digital payment adoption has grown exponentially, with 76% of consumers now using at least one digital payment method regularly. This shift has driven significant changes in consumer behavior: reduced cash usage (declining 45% on average), increased transaction frequency (up 62%), and greater financial tracking and budgeting awareness. Banks have responded by restructuring operations, reducing physical branches by 18%, and investing heavily in digital infrastructure. Contribution: This research contributes to understanding the co-evolution of payment technologies and banking systems, providing insights into consumer adaptation patterns and strategic imperatives for financial institutions navigating digital transformation.

A Phenomenological Inquiry into Political Marketing Dynamics in Indonesia's 2024 Presidential Election: The Case of Anies Baswedan's Campaign Narrative Al-Fikri, Muchsin; Anggraeni, Vilma Dewi; Irawaty, Sandra; Shahruddin, Mohd Solahuddin
International Journal of Nusantara Islam Vol 14 No 1 (2026): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v14i1.51181

This study aims to analyze the political marketing strategies implemented by the Anies Rasyid Baswedan and Abdul Muhaimin Iskandar (AMIN) ticket in the 2024 Presidential Election through a phenomenological approach. The research focuses on interpreting the experiences of political actors—including the supporting parties, campaign teams, and volunteers—in building a political narrative based on change and social justice. The phenomenological approach was chosen to explore the subjective meaning of the political communication process and campaign strategies that shape the candidate pair's image in the public eye. The results of the study indicate that the strategy of Segmenting, Targeting, and Positioning (STP) and the implementation of the Marketing Mix (product, promotion, price, and place) became the main foundation in shaping the public perception of the AMIN ticket. Political products that emphasize moral values, integrity, and support for the common people were promoted through digital strategies and a massive volunteer movement. These findings confirm that political marketing is not only an electoral instrument, but also a social communication process that builds moral legitimacy and public participation. This research provides a theoretical contribution to the development of political marketing studies in Indonesia, particularly in the context of participatory democracy that emphasizes ethics, transparency, and public trust.

TRUST MEREK DI ERA AI: MEDIASI NIAT BELI GENERASI Z DAN VIRTUAL INFLUENCER Anggraeni, Vilma Dewi
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2045

The contemporary digital marketing landscape is defined by the acceleration of Artificial Intelligence (AI) technology, giving rise to the Virtual Influencer (VI) phenomenon and the massive adoption of AI-Generated Content (AIGC). This shift creates new tensions, particularly in cultivating consumer trust among Generation Z, an audience known for valuing authenticity. This study aims to empirically test: (1) the influence of Virtual Influencers on Generation Z consumers' Brand Trust, (2) the influence of AI-Generated Content on Generation Z consumers' Purchase Intention, and (3) the mediating role of Brand Trust within these relationships. Employing a quantitative approach utilizing a Generation Z sample, the study results indicate that the adoption of Virtual Influencers faces significant challenges in establishing Brand Trust due to skepticism surrounding authenticity and the critical need for AI transparency. Conversely, AI-Generated Content was found to have a direct, positive, and significant influence on Purchase Intention, especially when the content is perceived as having high credibility and informativeness. The most crucial finding confirms that Brand Trust acts as a full and vital mediating variable; the influence of both Virtual Influencers and AI-Generated Content on Generation Z's Purchase Intention is only effectively realized after these variables successfully build and sustain brand confidence. The practical implications emphasize that brands must prioritize strict AI transparency ethics and ensure the quality of AIGC focuses on information to convert digital exposure into tangible purchasing actions.

A Phenomenological Inquiry into Political Marketing Dynamics in Indonesia's 2024 Presidential Election: The Case of Anies Baswedan's Campaign Narrative Al-Fikri, Muchsin; Anggraeni, Vilma Dewi; Irawaty, Sandra; Shahruddin, Mohd Solahuddin
International Journal of Nusantara Islam Vol 14 No 1 (2026): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v14i1.51181

This study aims to analyze the political marketing strategies implemented by the Anies Rasyid Baswedan and Abdul Muhaimin Iskandar (AMIN) ticket in the 2024 Presidential Election through a phenomenological approach. The research focuses on interpreting the experiences of political actors—including the supporting parties, campaign teams, and volunteers—in building a political narrative based on change and social justice. The phenomenological approach was chosen to explore the subjective meaning of the political communication process and campaign strategies that shape the candidate pair's image in the public eye. The results of the study indicate that the strategy of Segmenting, Targeting, and Positioning (STP) and the implementation of the Marketing Mix (product, promotion, price, and place) became the main foundation in shaping the public perception of the AMIN ticket. Political products that emphasize moral values, integrity, and support for the common people were promoted through digital strategies and a massive volunteer movement. These findings confirm that political marketing is not only an electoral instrument, but also a social communication process that builds moral legitimacy and public participation. This research provides a theoretical contribution to the development of political marketing studies in Indonesia, particularly in the context of participatory democracy that emphasizes ethics, transparency, and public trust.

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