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Yulianti
Universitas Ichsan Satya
Humanities Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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Optimizing the Use of Technology in Payment Systems and Its Implications for the Digital Financial Sector Soni Suardi; Yulianti; Jacky Chin; Budi Margono
Nomico Vol. 1 No. 11 (2024): Nomico-December
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/cx8js390

Abstract

This study aims to analyze the influence of the use of technology in payment systems on the development of the digital financial sector, as well as the challenges faced in optimizing these technologies. Using a quantitative approach and explorative-descriptive research methods, this study collected data from 210 respondents of active users of digital payment services through a questionnaire survey. The results show that digital payment technologies, such as e-wallets, QRIS, and blockchain, contribute significantly to transaction efficiency and security, as well as accelerating the growth of the digital financial sector and improving financial inclusion. On the other hand, challenges such as cyber threats, digital infrastructure inequality, and low digital literacy are still major barriers to technology optimization. Adaptive government regulation and collaboration between the fintech and banking sectors are needed to create a more inclusive and sustainable payments ecosystem. The conclusion of this study is that the optimization of payment technology is essential to drive digital transformation in the financial sector, and efforts to address existing challenges must be carried out jointly between governments, industry players, and the public. This research provides important insights for policy makers and industry players to design strategies that support the development of the digital financial sector.
PERAN HARGA DAN KUALITAS PRODUK TERHADAP KEPUASAN PELANGGAN PADA PRODUK MIE INSTAN MEREK INDOMIE DI LP3I JAKARTA KAMPUS SUDIRMAN TANGERANG Eni Selfiyah; Yulianti; Ersanti; Ibnu Suryadi; Rebeka Meidiana Purba
DIVERSITY: Journal of Multi Science Linearity Vol. 1 No. 2 (2024): DIVERSITY: Journal of Multi Science Linearity ,February 2024
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/diversity.v1i2.539

Abstract

Penelitian ini bertujuan untuk mengetahui seberapa berperanna harga dan kualitas produk terhadap kepuasan pelanggan pada konsumen mie instan merek indomie di LP3I Jakarta kampus Sudirman Tangerang. Penelitian ini dilakukan dengan melakukan penyebaran kuesioner kepada konsumen Indomie di wilayah Politeknik LP3I Jakarta Kampus Sudirman Tangerang. Teknik analisis yang digunakan pada penelitian ini menggunakan analisis uji linear berganda dengan beberapa tahapan uji data, diantaranya uji instrumen (validitas & realibilitas), uji asumsi klasik (normalitas, linearitas dan heteroskodasitas) dan uji hipotesis (uji T dan uji F). Dan hasil penelitian dengan melalui beberapa tahapan uji data, menunjukkan bahwa adanya pengaruh yang signifikan antara variabel harga dan kualitas produk (X) dengan kepuasan pelanggan (Y). Hal ini dinyatakan dengan hasil uji t (secara parsial), yang menyimpulkan bahwa nilai t hitung pada variabel Harga (X1) sebesar 8,041 dan t hitung pada variabel Kualitas Produk (X2) sebesar 3,858 sedangkan t tabel adalah 3,469 artinya t hitung > t tabel. Disisi lain, nilai signifikansi variabel harga dan kualitas produk sebesar 0,000 nilai signifikansi keduanya lebih kecil dari 0,05. Sehingga dapat disimpulkan bahwa terdapat pengaruh antara variabel Harga (X1) dan Kualitas Produk (X2) dengan variabel Kepuasan Pelanggan (Y) yang signifikan. Sedangkan, secara bersamaan dapat diketahui nilai signifikansi untuk pengaruh Harga (X1) dan Kualitas Produk (X2) secara simultan terhadap variabel Kepuasan pelanggan adalah sebesar 0,000 < 0,05.
Co-Authors Budi Margono Chin, Jacky Eni Selfiyah Ersanti Ibnu Suryadi Rebeka Meidiana Purba Soni Suardi