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All Journal Dinasti International Journal of Education Management and Social Science Journal of Accounting and Finance Management (JAFM) Journal Research of Social Science, Economics, and Management Eduvest - Journal of Universal Studies
Faranita Mustikasari
Management Department, BINUS Business School Master Program Bina Nusantara University Jakarta, Indonesia 11480
Aerospace Engineering Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Health Professions Neuroscience Social Sciences

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Analysis of Factors Affecting The Intention To Use Digital Banking: A Case Study Among Generation Z and Generation Y at Bank Jago Dini Gustianawati Sutarya; Faranita Mustikasari
Dinasti International Journal of Education Management and Social Science Vol. 7 No. 2 (2025): Dinasti International Journal of Education Management And Social Science (Decem
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v7i2.5758

Abstract

Digital developments in the banking sector have led to innovations such as mobile banking and fintech. Bank Jago is a technology-based bank in Indonesia. Although digital literacy is increasing, digital bank account ownership among Generations Z and Y remains low. This study uses the Technology Acceptance Model (TAM) framework to analyze the factors that influence the intention to use Bank Jago's digital services, without comparing between generations. Data was collected through an online survey using convenience sampling of 230 Generation Z and Y respondents in Indonesia, using a 1–5 Likert scale questionnaire. The results show that perceived usefulness, perceived ease of use, trust, attitude, and convenience have a positive effect on intention to use, while trust has a negative effect on attitude. These findings emphasize the importance of perceived usefulness, ease of use, trust, convenience, and attitude in encouraging the adoption of digital banking services.
The Difference in the Influence of Source Credibility Nano and Micro Beauty Influencers on Parasocial Interaction and Purchase Intention of Instagram Users in Indonesia Shafira Amalia; Ni Putu Nanda Pramesti Nata Putri; Nurfathiyah Mualifah Qalbi; Faranita Mustikasari
Eduvest - Journal of Universal Studies Vol. 5 No. 10 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i10.52243

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in Indonesia often face limited marketing budgets, making cost-effective strategies crucial. One emerging approach is leveraging nano and micro influencers, who maintain closer engagement with audiences than larger-scale influencers. This study analyzes the impact of influencer credibility—attractiveness, trustworthiness, and expertise—on parasocial interaction (PSI) and purchase intention (PI), and compares differences between nano and micro influencers. Using a quantitative design, data were collected from 170 respondents through an online survey targeting skincare industry followers. Analysis employed Partial Least Square–Structural Equation Modeling (PLS-SEM) and Multi Group Analysis (MGA). Results confirm that influencer credibility positively and significantly affects both PSI and PI (H1–H6 accepted), while PSI also significantly influences PI (H7 accepted). Comparative analysis shows no significant differences across most hypotheses (H8–H14 rejected), except H13, which reveals that nano influencers’ expertise exerts a stronger impact on PI. These findings demonstrate that influencer credibility directly drives PSI and PI, with PSI reinforcing PI. Practically, the study highlights the value of both nano and micro influencers as viable digital marketing strategies for MSMEs, with nano influencers’ expertise offering a distinct advantage in boosting purchase intention.
The Influence of Content and System Quality, Sales Promotion and Convenience Towards Freemium Platform Satisfaction Faranita Mustikasari; Bima Maryanto Putra; Levina Chrisa Anjani Setiawan; Rasyidah Ardelia Yuliani
Journal of Accounting and Finance Management Vol. 6 No. 6 (2026): Journal of Accounting and Finance Management (January - February 2026)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i6.2939

Abstract

This study examines how content quality, system quality, sales promotion, and convenience can affect resubscription intention of the Freemium Over the Top platform. Users of this platform has free but limited access or paid with premium features and can subscribe to more than one platform. Hence, user loyalty is reflected as resubscription. The churn rate on Freemium is higher than the subscription Video on Demand platform, because customers can return to the free service at any time. It becomes challenge for the Freemium Over the Top to maintain its customer base, especially their subscriber. This study uses a quantitative method with 300 nonprobability - convenience sampling respondents, who have subscribed to Over the Top for at least 1 month. Data analysis using Partial Least Square with the results that content quality, system quality, sales promotion, convenience can affect customer satisfaction levels and resubscription intentions. This study also found that users have different preferences, and understanding these preferences can increase user conversion from free to paid. The results of this study can help business actors in the Freemium Over the Top to increase users’ satisfaction and desire to resubscribe.
The Influence of Caused-Related Marketing on Consumer Buying Interest: An Environmental Care Campaign on Skincare Products in Indonesia Andreas Tulus Monang; Muhammad Hendra Maulana; Faranita Mustikasari
Journal Research of Social Science, Economics, and Management Vol. 5 No. 4 (2025): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i4.1173

Abstract

This study aims to analyze the influence of Cause-Related Marketing (CRM) on consumer buying interest in skincare products in Indonesia, especially through environmental care campaigns. With increasing public awareness of sustainability issues, skincare companies are competing to adopt marketing strategies that focus on social and environmental responsibility. This study uses a quantitative approach with an online survey method of 104 male respondents who use skincare products. The analysis was carried out using a reflective measurement model to test the relationship between variables such as Cause Participation, Congruence between Product and Cause, Attitude Toward the Cause, Willingness to Pay More, and Purchase Intention. The results of the study show that Cause Participation has a significant positive influence on Attitude Toward the Cause and Purchase Intention. Similarly, Attitude Toward the Cause has a positive effect on Willingness to Pay More and Purchase Intention. However, Congruence between Product and Cause has no significant effect on Purchase Intent. These findings confirm that consumer involvement in environmental care campaigns plays a greater role in building purchase intent than the match between the product and the cause carried. The practical implications of this study provide insights for skincare companies to optimize environmental campaigns as an effective and sustainable marketing strategy.
Co-Authors Andreas Tulus Monang Bima Maryanto Putra Dini Gustianawati Sutarya Levina Chrisa Anjani Setiawan Muhammad Hendra Maulana Ni Putu Nanda Pramesti Nata Putri Nurfathiyah Mualifah Qalbi Rasyidah Ardelia Yuliani Shafira Amalia