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"Tujuan penelitian ini adalah untuk mempelajari faktor-faktor pengaruh yang potensial terhadap behavioral intention untuk mengadopsi layanan internet banking. Penelitian menggunakan self-administered survey dengan sampel non-probabilitas dari 212 nasabah bank di Jakarta sebagai responden. Metode pengolahan dan analisis data menggunakan Structural Equation Model (SEM). Hasilnya menunjukkan bahwa secara keseluruhan faktor yang mempengaruhi intensi nasbah untuk mengadops layan internet banking termasuk diantaranya Users’ Informational-Based Readiness, Attitude, Perceived Behavioural Control. Tetapi, adopsi layanan internet banking masihlah sangat rendah.

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The purpose of this study was to examine the potential prominent factors relating to the adoption and use of the financial services of Internet banking. The study was carried out using a self-administered survey involving a convenience sample of 212 bank customers as respondents in Jakarta. The data analysis method was using the Structural Equation Model (SEM). The survey revealed that the overall prominent predictors include Users’ Informational-Based Readiness, Attitude, Perceived Behavioral Control. Yet, the adoption of IB financial service is still relatively low."

"ABSTRAKTujuan dari penelitian ini adalah untuk menganalisis pengaruh enjoyment, social benefits, economic benefits, sustainability, amenities, locational benefits, subjective norms, perceived behavioral control, eWOM, familiarity terhadap attitude serta behavioral intention pada penggunaan layanan akomodasi peer-to-peer Airbnb. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data primer melalui pembagian kuesioner dan diolah dengan teknik statistik SEM dengan metode LISREL. Unit analisisnya adalah konsumen layanan akomodasi online. Hasil temuan penelitian ini menunjukkan bahwa attitude untuk menggunakan akomodasi via Airbnb secara positif dipengaruhi oleh perceived enjoyment, social benefits, economic benefits, amenities, locational benefits, serta subjective norms. Hasil temuan lainnya, subjective norms secara positif dipengaruhi oleh eWOM sedangkan perceived behavioral control secara positif dipengaruhi oleh familiarity. Temuan penting lainnya adalah niat perilaku (behavioral intention) untuk menggunakan layanan akomodasi via Airbnb dipengaruhi oleh economic benefits dan familiarity. Penelitian ini menunjukkan behavioral intention dapat dipengaruhi oleh faktor-faktor determinan serta terdapat masukan manajerial untuk pengembangan pemasaran layanan akomodasi yang meningkatkan behavioral intention konsumen dalam menggunakan layanan akmodasi peer-to-peer.

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ABSTRACTThe purpose of this study is to analyze the influence of enjoyment, social benefits, economic benefits, sustainability, amenities, locational benefits, subjective norms, perceived behavioral control, eWOM, familiarity toward attitude and behavioral intention to use Airbnb peer-to-peer accommodation services. This study is a quantitative research, using primary data through the distribution of questionnaires and processed by SEM with LISREL method. The unit of analysis is online accommodation marketplace consumers. The findings indicate that attitude positively affected by perceived enjoyment, social benefits, economic benefits, amenities, locational benefits, and subjective norms. Other findings, subjective norms positively affected by eWOM while perceived behavioral control were positively influenced by familiarity. Another important finding is that behavioral intention to use Airbnb peer-to-peer accommodation services positively affected by economic benefits and familiarity. This indicates several determinant factors as a contributing source to behavioral intention. This study provides managerial input to develop better online accommodation services to improve consumers' behavioral intention to use peer-to-peer accommodation services."

"ABSTRAKTesis ini memaparkan mengenai dimensi yang membentuk customer experience pada pengguna internet banking dan pengaruh dari customer experience terhadap customer satisfaction, loyalitas dan word-of-mouth pada pengguna internet banking. Dimensi dan pengukuran dari customer experience quality ini menggunakan pengukuran customer experience quality yang dikembangkan oleh Maklan & Klaus (2013). Berdasarkan penelitian terhadap 249 responden pengguna internet banking di Jabodetabek, diperoleh hasil bahwa dimensi moments-of-truth menjadi dimensi yang paling besar dalam membentuk customer experience pada pengguna internet banking. Dari hasil pengujian SEM juga diperoleh hasil bahwa customer experience memiliki pengaruh yang signifikan terhadap customer satisfaction, loyalitas dan word-of-mouth.

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ABSTRACT

This thesis describes the dimensions that formed customer experience in internet banking users and the impact of customer experience to customer satisfaction, loyalty and word-of-mouth of Internet banking users. Dimensions and measurement of this customer experience quality uses customer experience quality measurement developed by Maklan & Klaus (2013). Based on a study of 249 respondents of internet banking users in Greater Jakarta, showed that moments-oftruth becomes the greatest dimension in shaping customer experience in internet banking users. SEM test results also showed that the customer experience has a significant impact on customer satisfaction, loyalty and word-of-mouth."

"Chatbot saat ini sedang ramai diperbincangkan. Chatbot dinilai mampu membantu perusahaan untuk melayani pengguna dengan dukungan teknologi artificial intelligence (AI). Salah satu perusahaan yang sudah memanfaatkan chatbot adalah bank. Bank memanfaatkan chatbot sebagai kanal tambahan untuk melayani kebutuhan nasabah. Beberapa bank di Indonesia yang mengimplementasikan chatbot di antaranya BNI, BSI, BCA, Mandiri, BRI, Bank Mega, Danamon, dan Jenius. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keinginan masyarakat Indonesia untuk menggunakan chatbot perbankan. Dalam penelitian ini diteliti faktor-faktor tingkat penilaian masyarakat dari segi kegunaan (utilitarian value) dan kesenangan (hedonic value) dalam penggunaan chatbot perbankan dengan teori perceived value. Penelitian ini juga memperhatikan aspek gender dan usia dalam menilai pengaruh keinginan pengguna untuk menggunakan chatbot perbankan. Penelitian ini dilakukan dengan metode PLS-SEM sebagai penelitian kuantitatif. Data yang berhasil dikumpulkan sebanyak 500 data yang 49 diantaranya tidak valid. Setelah penelitian kuantitatif, dilakukan pula pendekatan kualitatif dengan mewawancarai 10 narasumber. Analisis data kualitatif menggunakan metode content analysis. Berdasarkan analisis tersebut, faktor-faktor relative advantage yang memengaruhi utilitarian value antara lain informativeness, convenience, perceived intelligence, dan responsiveness. Faktor yang memengaruhi hedonic value antara lain convenience, anthropomorphism, perceived intelligence, dan interactivity. Kemudian, utilitarian value dan hedonic value sama-sama memengaruhi intensi pengguna untuk menggunakan chatbot perbankan. Sementara itu, hubungan yang berbeda secara signifikan pada multigroup analysis berdasarkan gender adalah convenience terhadap utilitarian value dan hedonic value terhadap intensi pengguna menggunakan chatbot perbankan. Selanjutnya, pada multigroup berdasarkan usia, hubungan yang berbeda secara signifikan adalah informativeness terhadap hedonic value. Penelitian ini memberikan implikasi teoretis kepada penelitian selanjutnya dan implikasi praktis kepada pihak bank dan pengembang chatbot perbankan.

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Chatbots are currently being widely discussed. Chatbots are considered capable of helping companies serve users with the support of artificial intelligence (AI). One company that has used chatbots is a bank. Banks use chatbots as an additional channel to serve customer needs. Some banks in Indonesia that have implemented chatbots are BNI, BSI, BCA, Mandiri, BRI, Bank Mega, Danamon, and Jenius. This research is conducted to analyze the factors that influence people’s intentions to use banking chatbots in Indonesia. This research examines the factors of public perception in terms of utility (utilitarian value) and enjoyment (hedonic value) in the use of banking chatbots using perceived value theory. This research also pays attention to gender and age aspects in assessing the influence of users' intentions to use banking chatbots. This research was conducted using PLS-SEM as a quantitative study and 500 data were collected, 49 of which were invalid. Subsequently, a qualitative approach was conducted by interviewing 10 respondents. Qualitative data analysis was performed using the content analysis method. Based on that analysis, the relative advantage factors that influence utilitarian value include informativeness, convenience, perceived intelligence, and responsiveness. The relative advantage factors that affect hedonic value include convenience, anthropomorphism, perceived intelligence, and interactivity. Then, utilitarian and hedonic values both influence user intentions to use banking chatbots. Meanwhile, the relationship that differs significantly in the multigroup analysis based on gender is convenience to utilitarian values and hedonic values to intention to adopt banking chatbots. Furthermore, in multigroup based on age, informativeness to hedonic values is the relationship that differs significantly. This research provides theoretical implications for further research and practical implications for banks and banking chatbot developers."

"Chatbot saat ini sedang ramai diperbincangkan. Chatbot dinilai mampu membantu perusahaan untuk melayani pengguna dengan dukungan teknologi artificial intelligence (AI). Salah satu perusahaan yang sudah memanfaatkan chatbot adalah bank. Bank memanfaatkan chatbot sebagai kanal tambahan untuk melayani kebutuhan nasabah. Beberapa bank di Indonesia yang mengimplementasikan chatbot di antaranya BNI, BSI, BCA, Mandiri, BRI, Bank Mega, Danamon, dan Jenius. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keinginan masyarakat Indonesia untuk menggunakan chatbot perbankan. Dalam penelitian ini diteliti faktor-faktor tingkat penilaian masyarakat dari segi kegunaan (utilitarian value) dan kesenangan (hedonic value) dalam penggunaan chatbot perbankan dengan teori perceived value. Penelitian ini juga memperhatikan aspek gender dan usia dalam menilai pengaruh keinginan pengguna untuk menggunakan chatbot perbankan. Penelitian ini dilakukan dengan metode PLS-SEM sebagai penelitian kuantitatif. Data yang berhasil dikumpulkan sebanyak 500 data yang 49 diantaranya tidak valid. Setelah penelitian kuantitatif, dilakukan pula pendekatan kualitatif dengan mewawancarai 10 narasumber. Analisis data kualitatif menggunakan metode content analysis. Berdasarkan analisis tersebut, faktor-faktor relative advantage yang memengaruhi utilitarian value antara lain informativeness, convenience, perceived intelligence, dan responsiveness. Faktor yang memengaruhi hedonic value antara lain convenience, anthropomorphism, perceived intelligence, dan interactivity. Kemudian, utilitarian value dan hedonic value sama-sama memengaruhi intensi pengguna untuk menggunakan chatbot perbankan. Sementara itu, hubungan yang berbeda secara signifikan pada multigroup analysis berdasarkan gender adalah convenience terhadap utilitarian value dan hedonic value terhadap intensi pengguna menggunakan chatbot perbankan. Selanjutnya, pada multigroup berdasarkan usia, hubungan yang berbeda secara signifikan adalah informativeness terhadap hedonic value. Penelitian ini memberikan implikasi teoretis kepada penelitian selanjutnya dan implikasi praktis kepada pihak bank dan pengembang chatbot perbankan."

"[ABSTRAKPenelitian ini bertujuan untuk membahas tentang faktor-faktor yang mempengaruhi intensi perilaku konsumen untuk membeli lampu LED sebagai lampu hemat energi di rumah tangga, dilihat dari perspektif theory of planned behavior dan Customer Satisfaction. Sikap, Norma dan Perceived behavior control berpengaruh terhadap perilaku membeli lampu LED. Customer Satisfaction terhadap lampu yang mereka gunakan saat ini berpengaruh terhadap perilaku membeli lampu LED. Secara keseluruhan model TPB dengan Customer Satisfaction memiliki kecocokan untuk memprediksi intensi perilaku membeli lampu LED.

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ABSTRACT The focus of this study is to investigate which factor may influence intention of customer behavior to buy LED light as energy saving lamps in households, viewed from the perspective of theory of planned behavior and Customer Satisfaction. Attitudes and subjective norms and perceived behavior control has insignificant influence towards the intention of customer behavior to buy LED light. Customer Satisfaction toward existing light also influence the intention of customer behavior to buy LED light. Overall the TPB and Customer Satisfaction modal can be use to predict behavior intention to buy LED lights.;The focus of this study is to investigate which factor may influence intention of customer behavior to buy LED light as energy saving lamps in households, viewed from the perspective of theory of planned behavior and Customer Satisfaction. Attitudes and subjective norms and perceived behavior control has insignificant influence towards the intention of customer behavior to buy LED light. Customer Satisfaction toward existing light also influence the intention of customer behavior to buy LED light. Overall the TPB and Customer Satisfaction modal can be use to predict behavior intention to buy LED lights.;The focus of this study is to investigate which factor may influence intention of customer behavior to buy LED light as energy saving lamps in households, viewed from the perspective of theory of planned behavior and Customer Satisfaction. Attitudes and subjective norms and perceived behavior control has insignificant influence towards the intention of customer behavior to buy LED light. Customer Satisfaction toward existing light also influence the intention of customer behavior to buy LED light. Overall the TPB and Customer Satisfaction modal can be use to predict behavior intention to buy LED lights., The focus of this study is to investigate which factor may influence intention of customer behavior to buy LED light as energy saving lamps in households, viewed from the perspective of theory of planned behavior and Customer Satisfaction. Attitudes and subjective norms and perceived behavior control has insignificant influence towards the intention of customer behavior to buy LED light. Customer Satisfaction toward existing light also influence the intention of customer behavior to buy LED light. Overall the TPB and Customer Satisfaction modal can be use to predict behavior intention to buy LED lights.]"

"Adopsi mobil listrik diharapkan dapat mendorong konservasi energi dan mengurangi polusi udara. Studi ini mengembangkan model penelitian berdasarkan Theory of Planned Behavior (TPB) dan Norm Activation Model (NAM) untuk menyelidiki niat untuk membeli mobil listrik di bawah pengaruh polusi udara yang parah. Studi ini meneliti warga yang berada di lima wilayah besar di Pulau Jawa, yaitu wilayah Jabodetabek, Bandung, Semarang, Yogyakarta, dan Surabaya sebagai objek survei. Sebanyak 194 responden yang sebelumnya telah memiliki mobil dikumpulkan dengan menggunakan metode purposive sampling dan data dianalisis dengan menggunakan Partial Least Squares-Structural Equation Modeling dan metode bootstrap. Temuan menunjukkan bahwa faktor TPB yang mempengaruhi niat membeli adalah perceived behavioral control, sedangkan dalam faktor NAM, faktor yang mempengaruhi adalah personal norm. Selain itu, environmental concern ditemukan memiliki pengaruh positif pada faktor TPB. Demikian pula awareness of consequences dan ascription of responsibility memiliki pengaruh pada faktor NAM yaitu personal norm dengan ascription of responsibility menjadi mediator parsial antara hubungan awareness of consequences dan personal norm.

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The adoption of electric cars is expected to promote energy conservation and reduce air pollution. This study develops a research model based on the Theory of Planned Behavior (TPB) and the Norm Activation Model (NAM) to investigate the intention to purchase electric cars under the effect of severe air pollution. This paper takes the citizens residing in the five major areas of Java Island, namely the Greater Jakarta Area, Bandung, Semarang, Yogyakarta, and Surabaya as the object of the survey. A total of 194 respondents who previously owned a car were collected using the purposive sampling method and the data was analyzed using the Partial Least Squares-Structural Equation Modeling and bootstrap method. The findings suggest that the factor of TPB that influences intention to purchase is perceived behavioral control, meanwhile, within the Norm Activation Model factor, the influencing factor is the personal norm. In addition, environmental concern is found to have a positive influence on the TPB factors. Similarly, the awareness of consequences and ascription of responsibility have an influence on the NAM factor which is the personal norm with the ascription of responsibility being a partial mediator between the relationship of awareness of consequences and personal norm."

"ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh sikap terhadap perilaku, norma subjektif, dan perceived behavioral control terhadap intensi individu untuk mengantre dan menyela antrean. Pengukuran dilakukan dengan mengadaptasi kuesioner Theory of Planned Behavior yang dikembangkan oleh Ajzen 2006 . Sebanyak 140 partisipan dengan kriteria ldquo;pernah mengantre rdquo; terlibat dalam penelitian ini. Berdasarkan teknik statistik regresi berganda, diketahui Ho ditolak. Berdasarkan hasil tersebut diketahui bahwa sikap, norma subjektif, dan perceived behavioral control secara bersama-sama mempengaruhi intensi mengantre dan intensi menyela antrean. Walaupun sikap, norma subjektif, dan perceived behavioral control mempengaruhi intensi, namun variabel sikap memberikan pengaruh yang sangat kecil pada intensi mengantre dan variabel norma subjektif yang memberikan pengaruh sangat kecil pada intensi menyela antrean.

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ABSTRACTThis study aim to examine the influence of attitude, subjective norms, and perceived behavioral control on intention to queueing and intention to intrusions. The measurement of all the variables is made by adapting the Theory of Planned Behavior TPB Questionnaire that was develop by Ajzen 2006 . Have 140 participants with the criteria ldquo had been queue before ldquo . Based on regression statistical technique, the result showed that the null hypothesis is rejected. Based on the results, we can conclude that attitude toward behavior, subjective norms, and perceived behavioral control influence the intention to queueing and intention to intrusions. Although the attitude toward behavior, subjective norms, and perceived behavioral control affect the intention, attitude toward behavior variable have a small impact the intention to queueing, and subjective norms variable have a small impact the intention to intrusions. "

"ABSTRAKDengan jumlah umat muslim yang dimilikinya, Indonesia memiliki prospek yang potensial bagi perkembangan industri keuangan syariah. Namun, sebagai bagian dari industri keuangan syariah, industri perbankan syariah menghadapi berbagai tantangan, salah satunya yakni rendahnya tingkat literasi dan inklusi perbankan syariah. Oleh karena itu, diperlukan peran berbagai elemen masyarakat untuk mengatasi tantangan tersebut, termasuk di dalamnya masyarakat pesantren yang tengah diberdayakan oleh Bank Indonesia sebagai bentuk tanggung jawabnya dalam mengembangkan ekonomi nasional melalui keuangan syariah. Pondok pesantren berfungsi tidak hanya sebagai lembaga pendidikan agama, namun juga sebagai lembaga dakwah, dan lembaga pengembangan masyarakat. Melihat potensi dari peran pondok pesantren terhadap perkembangan keuangan syariah, dengan menggunakan metode structural equation modeling, penelitian ini bertujuan untuk mengidentifikasi pengaruh sikap, norma subjektif, perceived behavioral control, informasi, dan religiusitas masyarakat pesantren terhadap minat mereka untuk menggunakan bank syariah. Responden penelitian ini yakni masyarakat pesantren di 6 enam pondok pesantren di Kabupaten Garut yang tidak memiliki akun bank syariah. Hasil penelitian menemukan bahwa semua variabel yang dihipotesiskan mempunyai pengaruh positif dan signifikan terhadap minat masyarakat pesantren untuk menggunakan bank syariah.

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ABSTRACTWith its large number of Muslim population, Indonesia has a potential prospect for the development of Islamic finance industry. However, the Islamic banking industry, as a part of Islamic finance industry, encounters many challenges including low level of literacy and inclusion rate. Therefore, the contribution from various elements of society is required in order to overcome these challenges, including pesantren community which is being empowered by Bank Indonesia as its responsibility in developing the national economy through Islamic finance. Pesantren serves not only as a religious education institution, but also as a propagation institution, and community development agency. Considering the potential of pesantren to the development of Islamic finance, by utilizing Structural Equation Modeling method, this research is aimed to identify the effect of attitude, subjective norm, perceived behavioral control, information, and religiosity of pesantren community towards their intention to use sharia bank. The respondents of this study are pesantren community in six pesantren in Garut who do not have Islamic bank account. The results of this study indicates that all hypothesized variables have a positive and significant impact to the intention of pesantren community to patronize Islamic bank."

"Dengan kemajuan Teknologi Informasi dan Komunikasi serta munculnya layanan 3G dan 4G oleh perusahaan telekomunikasi, teknologi seluler telah menjadi bagian integral dari kehidupan sehari-hari. Layanan seluler telah diperkenalkan di berbagai sektor termasuk pemerintah, perbankan, healthcare, dan perdagangan. Bank Mandiri, sebagai salah satu entitas penyedia jasa keuangan di Indonesia, memiliki produk layanan keuangan mobile banking dengan nama mandiri online. Penelitian ini menggunakan 115 sampel responden dan bertujuan untuk menganalisa pengaruh perceived trust, perceived ease of use, perceived, perceived usefulness, autonomous motivation dan controlled motivation terhada behavioral intention nasabah dalam menggunakan mobile banking. Sampel penelitian ini adalah pengguna jasa keuangan Bank Mandiri selama 6 enam bulan terakhir. Data diolah dengan menggunakan analisis regresi berganda. Hasil penelitian menunjukkan perceived trust, perceived usefulness dan controlled motivation tidak berpengaruh signifikan terhadap behavioral intention. Di sisi lain, perceived ease of use dan autonomous motivation memiliki pengaruh signifikan dan positif terhadap behavioral intention.

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With the advancement of Information and Communication Technology and the emergence of 3G and 4G services by telecom companies, mobile technology has become an integral part of our day to day life. Mobile services have been introduced in many different sectors including government, banking, healthcare, and commerce. Bank Mandiri, as one of financial service intitution in Indonesia, has lauched the product of mobile banking ldquo mandiri online rdquo.

This study user 115 sample respondent and aims to analyze determinants of behavioral intention such to use mobile banking such as perceived trust, perceived ease of use, perceived usefulness, autonomous motivation and controlled motivation. Data for this research were collected from Bank Mandiri consumers, specifically those who used mobile banking services in the last 6 six months. They were then analyzed using Multiple Linier Regression.

The result of this research shows that perceived trust, perceived usefulness adan controlled motivation does not have significant effect on behavioral intention. Meanwhile, perceived ease of use and autonomous motivation has significant and positive effect on behavioral intention."