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All Journal Jurnal Administrasi dan Manajemen Journal of Innovative and Creativity
Marta Jauzanajla Deliasari Fernanda
Universitas Sunan Giri Surabaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh Pengalaman Konsumen Dan Kemudahan Penggunaan Terhadap Minat Penggunaan Ulang Aplikasi Keuangan Ardava Auwiby Muhammad; Marta Jauzanajla Deliasari Fernanda; Didit Darmawan
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.1234

Abstract

Penelitian ini bertujuan untuk mengkaji pengaruh pengalaman konsumen dan kemudahan penggunaan terhadap minat penggunaan kembali aplikasi pinjaman online di Indonesia. Perkembangan pesat teknologi informasi pada sektor financial (fintech) mempengaruhi cara masyarakat bertransaksi dewasa ini. Metode penelitian yang digunakan adalah studi literatur dengan pendekatan kualitatif, yang melibatkan analisis berbagai sumber akademik yang relevan. Hasil penelitian menunjukkan bahwa pengalaman konsumen yang positif dan kemudahan penggunaan memiliki pengaruh signifikan terhadap minat penggunaan ulang aplikasi keuangan. Implikasi dari penelitian ini menyarankan penyedia aplikasi untuk fokus pada peningkatan pengalaman pengguna dan kemudahan penggunaan untuk menciptakan keunggulan kompetitif dan meningkatkan loyalitas pelanggan. Penelitian ini diharapkan dapat memberikan wawasan dalam mengembangkan strategi yang efektif untuk meningkatkan minat penggunaan kembali aplikasi keuangan.
Intensi Penggunaan Kembali Pinjaman Online: Tinjauan atas Kemudahan Aksesibilitas, Pengalaman Penggunaan, dan Kelompok Acuan Rahayu Mardikaningsih; Marta Jauzanajla Deliasari Fernanda
JURNAL ADMINISTRASI & MANAJEMEN Vol 16, No 1 (2026): Jurnal Administrasi dan Manajemen
Publisher : Universitas Respati Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52643/jam.v16i1.8468

Abstract

This literature study aims to analyze the role of accessibility within the Technology Acceptance Model framework, user experience as perceived benefit, and reference groups as social referents in shaping the repurchase intention of online loans. The method used is qualitative library research with a thematic synthesis approach following systematic literature review procedures. The results indicate that accessibility serves as a gateway enabling initial adoption through simple, fast, and hassle-free processes. User experience after trying the service shapes perceived benefit, determining whether users feel the service provides added value as expected. Reference groups, both through direct interaction and electronic word of mouth, provide social validation that strengthens or weakens the decision to reuse. These three factors interact dynamically, where accessibility opens opportunities, positive experience builds trust, and reference group support provides social legitimacy. Users who experience ease, obtain real benefits, and receive reinforcement from their social environment develop loyalty reflected in high repurchase intention. This study contributes theoretically to enriching technology adoption literature by integrating personal experience and social influence dimensions, and practically provides reflective foundations for online loan providers in designing user-centered services, for marketers in developing community-based strategies, and for regulators in creating consumer protection ecosystems.
Co-Authors Ardava Auwiby Muhammad Didit Darmawan Rahayu Mardikaningsih