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Journal The Winners
Published by Universitas Bina Nusantara
ISSN : 1412121     EISSN : 25412388     DOI : -
Core Subject : Social,
Social Sciences
Arjuna Subject : -
Articles 672 Documents
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Shaping Trust through Argument Quality: Exploring its Impact on Purchase Intentions in Social Commerce Kenang, Irantha Hendrika; Kasetty, Donald Michi
Journal The Winners Vol. 25 No. 1 (2024): Journal The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v25i1.11705

Abstract

The research aimed to investigate the influence of argument quality, namely perceived informativeness and persuasiveness, on trust and purchase intention within a social commerce context, focusing on TikTok. A quantitative method was applied, including 150 respondents. Participants were selected based on specific criteria of being active social commerce users. Additionally, the participants’ age was restricted to between 18 and 23 years old since data indicated that Generation Z with a strong tendency to shop online, used TikTok more than other social media platforms. Data collection included distributing questionnaires through Google Forms, using a 5-point Likert scale. Data analysis was conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results show that perceived informativeness and persuasiveness affect trust towards both members of TikTok and the platform. It has a positive impact on purchase intention due to higher levels of trust in social commerce members and the platform. Meanwhile, trust towards members significantly affects the TikTok platform, and the relationship is non-significant. A potential differentiation is reported concerning the formation of trust. In this context, trust in individual users does not necessarily influence the platform within the context of TikTok social commerce. These insights are valuable for marketers and platform developers seeking to improve user engagement and transaction rates on social commerce platforms. The implications suggest that enhancing the informativeness and persuasiveness of content can be a strategic method for enhancing trust and promoting purchase intention.
Is It Impossible for Generation Z to Engage in Mindful Consumption Behaviour while Experiencing FOMO? Alfina, Alfina; Khoirina, Marisya Mahdia; Sisprasojo, Nova Ridho; Ratri, Angela Ayu Kusumaning
Journal The Winners Vol. 25 No. 2 (2024): Journal The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v25i2.11962

Abstract

FOMO is often employed as an effective marketing strategy to increase excessive consumption behavior among Generation Z. However, over-reliance on FOMO strategies poses a threat to marketers, as excessive exposure to information on social media can lead to social media fatigue, which may hinder the development of mindful consumption behaviour. The research aimed to examine the relationship between fear of missing out (FOMO), social media fatigue (SMF), mindfulness, and mindful consumption behaviour (MCB) in Generation Z. The research applied an empirical approach through quantitative analysis. The proposed theoretical model was empirically tested using primary data collected by a self-designed structured questionnaire. The research sample comprised individuals aged between 13 and 25, as this demographic is the most active user on social media. The model was empirically tested using structural equation modelling applied through partial least squares (PLS) software. The findings reveals the significance of FOMO in influencing social media fatigue, mindfulness, and mindful consumption behaviour in Generation Z. FOMO is confirmed as a predictor of consumption behavior, specifically mindful consumption behavior. Also, FOMO is found to have a significant correlation with social media fatigue, which is due to the excessive exposure to various information on social media by Generation Z.
Fintech P2P Lending in Increasing People's Purchasing Power in South Sulawesi Province Karim, Abdul; Ruslan, Muhlis; Chahyono, Chahyono; Yunus, Muh. Kafrawi; Ahmad, Amrullah
Journal The Winners Vol. 25 No. 2 (2024): Journal The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v25i2.12059

Abstract

The research aimed to assess the extent to which fintech P2P lending contributes to the generation of purchasing power in South Sulawesi Province. Data were collected from websites associated with fintech P2P lending and analyzed using software designed for indexing, searching, and handling non-numerical and unstructured data. The findings indicate that the availability of online loans positively impacts economic growth in South Sulawesi. During the final seven months of 2023, the average monthly distribution of peer-to-peer (P2P) lending funds reached IDR 19.04 trillion. The total distribution within the industry amounted to IDR 20.38 trillion, with IDR 7.26 trillion (35.65 percent) allocated to the productive sector, including micro, small, and medium-sized enterprises (MSMEs). This research contributes to the field by observing a 30.17 percent increase in credit in South Sulawesi Province. In February 2024, individual credit distribution in South Sulawesi reached IDR 1.29 trillion, based on 355,948 credit transactions. Fintech P2P lending helps improve financial literacy and inclusion in the South Sulawesi region by providing an easy-to-use digital platform to reach people in remote areas and support more equitable economic development. The contribution of fintech P2P lending plays an important role in increasing people's purchasing power while strengthening the foundation of the local economy in South Sulawesi.
Decoding Entrepreneurial Intentions among University Students in the Digital Age: A Machine Learning Approach to Leadership and Attributes Karmagatri, Mulyani; Jumri, Isma Addi; Samyono, Widodo; Syamil, Achmad
Journal The Winners Vol. 25 No. 2 (2024): Journal The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v25i2.12180

Abstract

Leadership and personal attributes have significant roles in leading a successful business organization. Meanwhile, a new perspective in leadership and entrepreneurship research is how the pattern of leadership and personal attributes contribute to entrepreneurial intention. To fill the gap and explore the pattern, the research examines the role of leadership and personal attributes in shaping entrepreneurial intention. The research employs a mixed-method approach, combining exploratory analysis and machine learning techniques. Data were collected from 127 entrepreneurial students in West Java, Indonesia. Moreover, data were collected using a web-based questionnaire consisting of 38 indicators that reflect the five variables (motivation, expectation, risk resistance, negative attitudes, and leadership). The collected data were proceeded using exploratory factor analysis to test the reliability of each indicator and analyzed using a decision tree model to identify critical factors influencing entrepreneurial intention. The research findings reveal that negative attitudes are crucial in determining entrepreneurial intention, followed by motivation and leadership. The research explains how these attributes interact to influence entrepreneurial decisions. The research gives insight into improving the effective development program that fosters the key attributes by reducing negative attitudes. The research also contributes to the broader field of leadership and entrepreneurship, offering an understanding of the role of personal attributes and leadership in driving entrepreneurial action.
Assessing System Quality and Change Readiness in Enterprise Risk Management Application Adoption in Power Plants Ambarwati, Rita; Hanifa, Muhammad; Dedy, Dedy; Sulistiyowati, Wiwik
Journal The Winners Vol. 25 No. 2 (2024): Journal The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v25i2.12181

Abstract

Real-time and accurate risk management data is critical in making informed corporate decision-making. An Enterprise Risk Management (ERM) application enhances data access speed and accuracy, supporting strategic actions. Developed with an integrated risk and technology management approach, this application aids in effective risk management in operational power plants facing complex, high-risk challenges. It offers a structured framework for identifying, assessing, and managing risks, ultimately enhancing operational efficiency, effectiveness, and safety. This research examined the impact of system quality and readiness to change on the perceived usefulness, perceived ease of use, and behavioral  intentions toward ERM applications. Data were gathered from 300 risk management professionals through purposive sampling. Then, the data were analyzed with PLS-SEM using a quantitative survey-based approach. The finding reveals that system quality and readiness to change significantly influence perceived usefulness and ease of use, which subsequently affect behavioral intentions. Interestingly, perceived usefulness does not directly impact behavioral intentions, emphasizing the critical roles of system quality and user readiness in ERM adoption. These finding underscores organizations' need to enhance the technical aspects of ERM applications and implement effective change management strategies to improve user engagement and adoption rates. The originality of this research resides in its integrated approach, merging system quality and readiness to change within the Technology, Acceptance, Model (TAM) framework, offering a deeper understanding of the factors driving ERM application acceptance. This research provides valuable insights for standardized frameworks, financial incentives, and tailored training programs to boost technology adoption.
Digital Technology's Role in Sustainable Business Models and Performance Enhancement Satyani, Fatma; Trio Febriyantoro, Mohamad
Journal The Winners Vol. 25 No. 2 (2024): Journal The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v25i2.12306

Abstract

The research investigated the role of digital technology in enhancing sustainable business models, collective intelligence, and scaling to improve business process performance. Conducted as qualitative research, it employs a Systematic Literature Review (SLR) method, analyzing 20 Scopus-indexed journals ranked in Quartile 1 (Q1) to Quartile 2 (Q2) from 2019 to 2024. The data were processed using content analysis, focusing on digital technologies such as big data, the Internet of Things, cloud computing, cyber-physical systems, machine learning, artificial intelligence, and digital platforms. The findings demonstrate that digital technology supports businesses in understanding evolving customer needs, facilitating efficient and accurate decision-making, and enhancing customer engagement, which is crucial for business growth and scalability. Key benefits include improving customer experience, segmentation, retention, and engagement, reducing operational costs, increasing team collaboration, and evaluating environmental risks. These advantages give businesses a competitive edge by fostering sustainable practices and effective customer engagement. The advantages of implementing digital technologies can be felt from various economic, social, and environmental aspects. However, the research acknowledges limitations, including restricted data collection due to limited relevant research and variations in technological literacy across regions. Despite these challenges, the research underscores the transformative role of digital technology in advancing sustainable and competitive business processes.
The Role of AI, IoT, and E-Marketing in Enhancing the Sustainability and Competitiveness of MSMES Sedana Putra, Komang Widhya; Laksmi, Kadek Wulandari; Ariwangsa, IGN Oka
Journal The Winners Vol. 25 No. 2 (2024): Journal The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v25i2.12395

Abstract

The research examined how the integration of Artificial Intelligence (AI), the Internet of Things (IoT), and e-marketing can enhance the sustainability and competitiveness of Micro, Small, and Medium Enterprises (MSMEs). It addresses the gap in existing literature regarding the synergistic effects of these technologies in overcoming resource constraints often faced by MSMEs during digital transformation. While previous research has focused on the individual benefits of AI or IoT, limited attention has been given to their combined impact on e-marketing and its influence on MSME sustainability. The research applied a quantitative approach to survey 200 MSMEs in Denpasar City through a Likert-scale questionnaire and analyzed with PLS-SEM version 4.0. The findings reveal that AI improves access to e-marketing channels and operational efficiency, while IoT enhances data analytics and automates business processes. Their integrated adoption significantly boosts digital marketing performance, positively affecting MSME sustainability. The challenges identified include the high costs and expertise required for effective implementation. Nonetheless, with appropriate investment and technical support, AI, IoT, and e-marketing synergy can make MSMEs more sustainable. From a managerial perspective, the long-term integration of these technologies into business strategies is critical for sustaining growth in the digital era.
The Big Data Effect on Indonesia MSME with the Mediation of Differentiation Strategy and Innovation Performance Young, Meishelle Andriani; Sudharthio, Lily
Journal The Winners Vol. 26 No. 1 (2025): The Winners (In Progress)
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v26i1.11817

Abstract

In Indonesia, micro, small, and medium enterprises (MSMEs) drive economic growth, contributing 61.1% of GDP, with fashion as the second-largest sector. As e-commerce expands, MSMEs can harness big data through cloud platforms to boost innovation and competitiveness. The research investigates how big data adoption enhances MSMEs’ performance in Indonesia’s fashion industry, focusing on its role in decision-making, differentiation strategies, and operational outcomes. The research surveyed 228 MSME owners, combining quantitative data and interviews to assess big data’s impact on customer engagement, innovation, and efficiency. Findings reveal that leveraging big data significantly strengthens performance by refining decision-making and accelerating innovation. Key factors like data volume (scale), velocity (speed), and variety (diversity) directly influence success. Differentiation strategies—such as unique product designs or tailored marketing—mediate the link between data use and improved business outcomes. Challenges persist while the research underscores the urgency for MSMEs to adopt data-driven practices. Limited tech infrastructure and low digital literacy hinder progress among small-scale owners. To thrive, businesses must prioritize investments in cloud tools and skills training, while policymakers should support affordable tech access. This research offers practical insights for MSMEs aiming to navigate competitive e-commerce landscapes, emphasizing that innovation and adaptability, powered by data, are critical for sustainable growth.
The Effect of Physical Experience and Integrated Information on Customer Purchase Behavior in Online-to-Offline Commerce Christine, christine; Jimmy, So Yohanes; Utomo, Prio
Journal The Winners Vol. 26 No. 1 (2025): The Winners (In Progress)
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v26i1.12584

Abstract

Online-to-Offline (O2O) is a business model increasingly being developed and widely implemented by companies in Indonesia. Therefore, the research examines the factors influencing purchasing behavior in Indonesian O2O commerce through economic theories, namely Perceived Risk and Perceived Benefit. The research procedures were carried out using a quantitative approach, and the data obtained were analyzed with Partial Least Square Structural Equation Modeling. The sample data was selected using a purposive sampling method and collected through an online survey instrument from 248 millennial customers who had made O2O purchases. The results show that all exogenous variables had significant effects, except for Physical Experience, which did not significantly affect Perceived Risk. Meanwhile, Integration Online-to-Offline Information (IOOI) had the most significant impact on enhancing customer purchase intention. The results also showed that Perceived Benefits had a significant impact on customer purchase intention. This research offers a novel perspective by exploring how integrated customer behavior across digital and physical channels influenced purchasing decisions within the Indonesian context, where existing literature was limited. The results provide valuable insights for companies in formulating strategies to deliver effective physical experiences and IOOI. Companies should ensure that the information available across online and offline channels is complementary and consistent to maximize customer purchase intention.
The Influence of Mobile Banking Attributes on Cashless Society through Adaptive Anthropomorphism and Task-Fit Technology Wirabuana, Satria; Ariadi, Gede
Journal The Winners Vol. 26 No. 1 (2025): The Winners (In Progress)
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v26i1.12717

Abstract

The research aimed to analyze the role of adaptive anthropomorphism and Task-Fit Technology (TFT) in mediating the relationship between performance expectancy, effort expectancy, perceived security, and a cashless society among traditional market traders. The research procedures applied a quantitative design, and the sample population consisted of 279 traditional market traders who had utilized mobile banking services. The data obtained were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to measure the structural relationships. Smart-PLS 3 was utilized as the analytical tool, following a two-stage process to examine data and assess the influence and significance of mediating variables. The results show the benefits of integrating Mobile Banking with the Unified Theory of Acceptance and Use of Technology (UTAUT) and Task-Fit Technology (TFT), offering scientific explanations and empirical evidence based on customer experiences in financial transactions. Adaptive anthropomorphism serves as a mediating factor, bridging the relationship between facilitating conditions, perceived security, perceived trust, and the adoption of a cashless society. In addition, TFT mediates the connection between effort expectancy, perceived security, perceived trust, and the adoption of a cashless society within the context of mobile banking services. These results could be helpful for banking management because facilitating conditions positively encourages the use of non-cash payments in the market between merchants and consumers where proof of payment is represented through human-like voice interaction.

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