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"E-commerce memungkinkan transaksi jual beli online tanpa pertemuan langsung. Meskipun memiliki kelebihan, berbelanja online di e-commerce konvensional masih terbatas dalam deskripsi produk. Untuk mengatasi ini, Shopee menghadirkan inovasi live streaming shopping melalui fitur Shopee Live pada tahun 2019. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang dapat memengaruhi niat pembelian berkelanjutan pada Shopee live streaming. Penelitian ini menggunakan Expectation Confirmation Model dan menggabungkannya dengan konstruk Live Streaming Experience. Selain itu, penelitian ini juga memperhatikan tahapan Consumer Decision Process. Penelitian ini menggunakan metode analisis kuantitatif dengan cara menyebarkan kuesioner online dan memperoleh 401 responden valid. Hasil data kuantitatif diolah dan dianalisis menggunakan metode PLS-SEM dengan bantuan software SmartPLS 3. Hasil penelitian menunjukkan bahwa konstruk live streaming experience memengaruhi perceived usefulness in live streaming, lalu sebagian konstruk live streaming experience memengaruhi perceived usefulness in platform, untuk kemudian hal ini akan memengaruhi satisfaction dan continuance purchase intention pengguna. Penelitian ini juga memberikan implikasi secara teoretis untuk penelitian selanjutnya serta implikasi praktis untuk pengembang aplikasi Shopee dan host Shopee live streaming.

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E-commerce enables online buying and selling transactions without direct face-to-face meetings. Despite having its advantages, online shopping on conventional e-commerce platforms is still limited in product descriptions. To address this, Shopee introduced the innovation of live streaming shopping through the Shopee Live feature in 2019. This study aims to analyze factors affecting continuance purchase intentions on Shopee live streaming. This study combines Expectation Confirmation Model, Live Streaming Experience construct, and the stages of Consumer Decision Process. This study uses a quantitative analysis method by distributing online questionnaires and obtaining 401 valid respondents. The data were processed and analyzed using the PLS-SEM method using SmartPLS 3 software. Based on the result of the analysis, show that live streaming experience construct influences perceived usefulness in live streaming, and some of live streaming experience constructs influence perceived usefulness in the platform. Furthermore, perceived usefulness in live streaming and perceived usefulness in the platform will influence satisfaction and continuance purchase intention of consumer. This study also provides theoretical implications for further research, and practical implications for Shopee application developers and Shopee live streaming hosts."

"Dengan banyaknya alternatif aplikai e-commerce yang tersedia, konsumen cenderung mencari variasi dengan menggunakan lebih dari satu platform belanja online secara bersamaan. Penelitian ini bertujuan untuk menganalisis bagaimana push notification dapat digunakan sebagai media untuk mobile advertising yang dapat mempengaruhi sikap, respons, dan membentuk intensi untuk terus menggunakan aplikasi. Penelitian ini menggunakan data dari 187 responden pengguna aplikasi e-commerce yang berasal dari kalangan Milenial dan Generasi Z, dan dianalisis menggunakan PLS-SEM. Hasil penelitian menunjukkan bahwa atribut informativeness, entertainment, credibility, dan incentive dalam iklan push notification memiliki pengaruh signifikan terhadap pembentukan advertising value, yang kemudian dapat mempengaruhi advertising attitude, brand attitude, yang pada gilirannya dapat mempengaruhi secara signifikan terhadap ad clicks dan continuance intention. Meskipun advertising attitude tidak memiliki pengaruh langsung terhadap continuance intention, tetapi penelitian ini menemukan peran mediator brand attitude dalam hubungan advertising attitude dengan continuance intention.

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With many alternatives of e-commerce platform that are available, consumers tend to seek variety by using more than one online shopping platform simultaneously. This research aims to analyze how push notifications can be used as a medium for mobile advertising which can influence attitudes, responses, and shape the intention to continue using the platform. This research used data from 187 e-commerce app users from Millennials and Generation Z. The result shows that informativeness, entertainment, credibility, and incentive attributes in push notification ads have a significant influence on the formation of advertising value, that can influence advertising attitude, brand attitude, which in turn can significantly influence ad clicks and continuance intention. Although advertising attitude does not have a direct influence on continuance intention, this study found the mediator role of brand attitude in the relationship between advertising attitude and continuance intention."

"Penelitian ini dilaksanakan dengan maksud untuk mengetahui faktor-faktor perceived value seperti utilitarian value, hedonic value, dan social value yang dapat mempengaruhi customer purchase intention dengan dimediasi oleh variabel customer trust in product dan variabel customer trust in streamer dalam konteks live streaming e-commerce. Penelitian ini dilakukan dengan metode kuantitatif dengan menganalisis data yang terkumpul sebanyak 250 responden dengan bantuan alat survey google form. Kriteria responden yang menjadi subjek penelitian ini merupakan warga negara indonesia yang berumur 17 tahun keatas dan memiliki pengalaman pernah menonton live streaming e-commerce. Analisis dilakukan dengan menggunakan metode Partial Least Square Structural Equation Modeling menggunakan SPSS dan SmartPLS. Hasil dari penelitian ini menemukan bahwa utilitarian value tidak berpengaruh secara signifikan kepada trust in streamer dan hedonic value tidak berpengaruh secara signifikan kepada trust in product. Adapun jalur tidak langsung yang menunjukan pengaruh yang paling signifikan adalah pada jalur hedonic value terhadap customer purchase intention.

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This research was conducted to identify the perceived value factors such as utilitarian value, hedonic value, and social value that can influence customer purchase intention, mediated by the variables of customer trust in the product and customer trust in the streamer within the context of e-commerce live streaming. The study employed a quantitative method, analyzing data collected from 250 respondents through a Google Form survey. The criteria for the respondents included being Indonesian citizens aged 17 and above with experience watching e-commerce live streams. The analysis was performed using the Partial Least Square Structural Equation Modeling method with SPSS and SmartPLS. The results of this research found that utilitarian value does not have a significant effect on trust in streamer and hedonic value does not have a significant effect on trust in product. The most significant indirect path is from hedonic value to customer purchase intention.

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"Perkembangan teknologi e-commerce menjadi salah satu kemudahan manusia dalam bertransaksi di dunia online. Salah satu fitur yang berkembang dalam teknologi pada e-commerce yaitu live streaming shopping, dimana fitur ini dapat menciptakan ruang virtual bagi penjual untuk melakukan siaran dan menyediakan alur interaksi untuk mendapat keterikatan pelanggan. Human computer interaction (HCI) yang terjadi pada live streaming shopping ini menghasilkan adanya hubungan antara pelanggan dan fitur-fitur teknologi yang ada didalamnya melalui affordance. Dalam live streaming shopping, visibility affordance, metavoicing affordance, dan guidance shopping affordance merupakan faktor yang terkandung di dalam IT affordance. Oleh karena itu tujuan penelitian ini adalah untuk menganalisis tingkatan dimensi IT affordance dan customer engagement pada pengguna Shopee Live di Jakarta dimana Shopee adalah pemimpin lingkungan live streaming shopping di tanah air. Penelitian ini merupakan penelitian deskriptif kuantitatif dengan teknik pengumpulan data melalui survei yang disebar melalui platform Google Form. Data yang terkumpul sebanyak 139 responden yang kemudian diolah dengan statistik deskriptif menggunakan IBM SPSS 25. Hasil penelitian ini menunjukan tingkat dimensi IT affordance dan customer engagement pada pengguna Shopee Live di Jakarta adalah tinggi.

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The evolution of e-commerce technology has become one of the human facilities in transactions in the online world. One of the emerging features of technology in ecommerce is live streaming shopping, where this feature can create a virtual space for sellers to broadcast and provide a stream of interaction to gain customer engagement. Human computer interaction (HCI) that occurs on live streaming shopping produces a connection between the customer and the features of technology in it through affordance. In live streaming shopping, visibility affordance, metavoicing affordance, and guidance shopping affordance are factors that are contained in IT afforadance. Therefore, the aim of this research is to analyze the level of IT of affordance and customer engagement dimension on Shopee Live users in Jakarta where Shopee is the leader of the live streaming shopping environment in Indonesia. This research is descriptive quantitative research with data collection techniques through surveys distributed through the Google Form. The data collected 139 respondents then processed with descriptive statistics using IBM SPSS 25. The results of this research show the level of IT affordance and customer engagement dimension on Shopee Live users in Jakarta is high."

"Pesatnya perkembangan layanan streaming musik atau Music Streaming Services (MSS) membentuk kenormalan baru dalam cara kita menikmati musik. Spotify telah memimpin pangsa pasar MSS di dunia walau kompetisi semakin kuat dalam memenuhi kebutuhan pengguna. Kebutuhan tersebut berkaitan erat dengan technology affordance atau apa yang layanan dapat penuhi sesuai persepsi dan tujuan penggunanya. Dengan memahami aspek technology affordance dari layanannya, Spotify dan penyedia MSS mampu menemukan solusi untuk meningkatkan retensi penggunanya serta pendapatannya keseluruhan. Penelitian yang dijalankan memiliki tujuan untuk mengetahui faktor-faktor terkait technology affordance dari layanan MSS serta pengaruhnya terhadap niat pengguna untuk tetap menggunakan dan berlangganan layanan premium dari MSS, khususnya Spotify. Penelitian mengidentifikasi technology affordance dari MSS melalui pendekatan grounded theory. Terdapat empat faktor utama technology affordance dari MSS, yaitu exploration, listening control, playlisting, serta social connectivity. Penelitian dilanjutkan dengan mengintegrasikan temuan tersebut dengan expectation-confirmation model (ECM) dan melakukan analisis kuantitatif menggunakan PLS-SEM pada 321 pengguna Spotify. Didapatkan bahwa subscription intention pengguna dipengaruhi oleh continuance intention. Selanjutnya, continuance intention dipengaruhi oleh perceived usefulness serta satisfaction dimana kedua hal tersebut dipengaruhi oleh confirmation. Terakhir, perceived usefulness dipengaruhi oleh seluruh aspek technology affordance dari MSS dimana dua faktor affordance dengan pengaruh terbesar yaitu exploration affordance dan listening control affordance. Penelitian ini mampu dikembangkan lebih lanjut dan mampu menjadi saran praktis bagi penyedia layanan MSS dalam mengembangkan layanan yang berfokus pada pengguna.

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The rapid growth of music streaming services (MSS) has shaped the new normal of how we listen to music. Spotify has been leading the global MSS market in terms of market share, even though the competition is getting tougher in fulfilling the user's needs. User's needs are heavily linked to technology affordance, which concerns what a service could afford based on the user's perception and goals. By understanding the technology affordance of their service, Spotify and other MSS providers can formulate a solution that could boost user retention and their overall revenue. The study aims to identify the technology affordance of MSS and how it affects the user’s continuance intention and subscription intention, especially on Spotify. The study identified MSS technology affordances through grounded theory approaches. There are four key technology affordances of MSS: exploration, listening control, playlisting, and social connectivity. The study continued with the integration of MSS technology affordances with expectation-confirmation model (ECM). It was found that subscription intention is influenced by continuance intention, continuance intention is influenced by perceived usefulness and satisfaction, in which these two factors are influenced by confirmation. Lastly, perceived usefulness was influenced by all of the identified MSS technology affordances, in which two factors with the greatest influence were exploration affordance and listening control affordance. The study findings could be developed for future research and stand as suggestions for MSS providers to develop user-centered services."

"Pesatnya perkembangan layanan streaming musik atau Music Streaming Services (MSS) membentuk kenormalan baru dalam cara kita menikmati musik. Spotify telah memimpin pangsa pasar MSS di dunia walau kompetisi semakin kuat dalam memenuhi kebutuhan pengguna. Kebutuhan tersebut berkaitan erat dengan technology affordance atau apa yang layanan dapat penuhi sesuai persepsi dan tujuan penggunanya. Dengan memahami aspek technology affordance dari layanannya, Spotify dan penyedia MSS mampu menemukan solusi untuk meningkatkan retensi penggunanya serta pendapatannya keseluruhan. Penelitian yang dijalankan memiliki tujuan untuk mengetahui faktor-faktor terkait technology affordance dari layanan MSS serta pengaruhnya terhadap niat pengguna untuk tetap menggunakan dan berlangganan layanan premium dari MSS, khususnya Spotify. Penelitian mengidentifikasi technology affordance dari MSS melalui pendekatan grounded theory. Terdapat empat faktor utama technology affordance dari MSS, yaitu exploration, listening control, playlisting, serta social connectivity. Penelitian dilanjutkan dengan mengintegrasikan temuan tersebut dengan expectation-confirmation model (ECM) dan melakukan analisis kuantitatif menggunakan PLS-SEM pada 321 pengguna Spotify. Didapatkan bahwa subscription intention pengguna dipengaruhi oleh continuance intention. Selanjutnya, continuance intention dipengaruhi oleh perceived usefulness serta satisfaction dimana kedua hal tersebut dipengaruhi oleh confirmation. Terakhir, perceived usefulness dipengaruhi oleh seluruh aspek technology affordance dari MSS dimana dua faktor affordance dengan pengaruh terbesar yaitu exploration affordance dan listening control affordance. Penelitian ini mampu dikembangkan lebih lanjut dan mampu menjadi saran praktis bagi penyedia layanan MSS dalam mengembangkan layanan yang berfokus pada pengguna.

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The rapid growth of music streaming services (MSS) has shaped the new normal of how we listen to music. Spotify has been leading the global MSS market in terms of market share, even though the competition is getting tougher in fulfilling the user's needs. User's needs are heavily linked to technology affordance, which concerns what a service could afford based on the user's perception and goals. By understanding the technology affordance of their service, Spotify and other MSS providers can formulate a solution that could boost user retention and their overall revenue. The study aims to identify the technology affordance of MSS and how it affects the user’s continuance intention and subscription intention, especially on Spotify. The study identified MSS technology affordances through grounded theory approaches. There are four key technology affordances of MSS: exploration, listening control, playlisting, and social connectivity. The study continued with the integration of MSS technology affordances with expectation-confirmation model (ECM). It was found that subscription intention is influenced by continuance intention, continuance intention is influenced by perceived usefulness and satisfaction, in which these two factors are influenced by confirmation. Lastly, perceived usefulness was influenced by all of the identified MSS technology affordances, in which two factors with the greatest influence were exploration affordance and listening control affordance. The study findings could be developed for future research and stand as suggestions for MSS providers to develop user-centered services."

"Perkembangan dunia live video streaming dalam beberapa tahun terakhir didasari oleh faktor tingginya kenaikan penggunaan layanan tersebut pada e-commerce platforms. Fitur live stream saat ini banyak di implementasi oleh e-commerce platform di mana dengan melihat siaran secara langsung, pelanggan dapat merasakan proses berbelanja yang lebih menyenangkan layaknya berbelanja fisik di toko secara offline. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh fitur teknis pada live streaming dari perspektif teori IT affordance, faktor product uncertainty, dan jenis produk pada live stream, terhadap intensi pembelian produk melalui e-commerce platforms. Pengumpulan data pada penelitian dilakukan dengan menyebar kuesioner secara online yang melibatkan 322 responden. Dalam pengolahan data, penulis mengguanakan IBM AMOS 26.0, IBM Statistics SPSS 25, dan SmartPLS. Hasil pada penelitian ini membuktikan bahwa tingkat uncertainty terkait produk mempengaruhi intensi seseorang dalam melakukan belanja menggunakan live streaming pada e-commerce platform. Selain itu, temuan pada penelitian ini menunjukan bahwa teori IT affordance yang dijabarkan melalui variabel visibility, metavoicing, dan social connecting serta tipe produk yang ditonton juga berpengaruh terhadap tingkat uncertainty pengguna live stream. Oleh karena itu, dapat disimpulkan bahwa untuk meningkatkan intensi pengguna dalam berbelanja di ecommerce menggunakan live streaming, diperlukan aspek hingga fitur teknis IT yang baik.

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The development of the world of live video streaming in recent years is based on the high increase in the use of these services on e-commerce platforms. The live stream feature is currently widely implemented by e-commerce platforms where by watching live streaming, customers can experience a more enjoyable shopping process like shopping physically in an offline store. Therefore, this study aims to analyze the effect of technical features on live streaming from the perspective of IT affordance theory, product uncertainty factors, and product types on live streams, on the intention to purchase products through e-commerce platforms. Data collection in the study was conducted by distributing online questionnaires involving 322 respondents. In processing data, the authors use IBM AMOS 26.0, IBM Statistics SPSS 25, and SmartPLS. The results of this study prove that the level of product-related uncertainty influences one's intention to shop using live streaming on the e-commerce platform. In addition, the findings in this study indicate that IT affordance theory which is elaborated through the variables of visibility, metavoicing, and social connecting as well as the type of product being watched also influences the level of uncertainty of live stream users. Therefore, it can be concluded that in order to increase user intentions in shopping on e-commerce using live streaming, aspects of IT technical features are needed."

"Perkembangan internet dan smartphone mendorong berbagai kegiatan, salah satunya pembayaran, untuk dilakukan secara online dengan memanfaatkan teknologi mobile. Saat ini bank sudah mulai menyediakan layanan digital only bank. Namun, masih banyak pro-kontra terkait bank digital di Indonesia. Oleh karena itu, penelitian ini bertujuan untuk meneliti adopsi digital banking yang melibatkan perpindahan kepercayaan dari suatu e-commerce yang sudah banyak dipercayai dengan menggunakan teori trust transfer beserta faktor-faktor customer experience yang memengaruhi proses trust transfer tersebut. Penelitian ini menggunakan studi kasus bank digital SeaBank dengan e-commerce Shopee yang memiliki satu parent group yang sama yaitu Sea Group. Pendekatan kuantitatif pada penelitian ini memanfaatkan data dari penyebaran kuesioner daring dengan total 629 responden. Kemudian, data diolah menggunakan metode partial least squares structural equation modeling (PLS-SEM) dengan perangkat lunak SmartPLS 4. Hasil analisis data menunjukkan faktor customer cost, convenience, perceived ease of use, informativeness, dan relationship investment berpengaruh secara positif kepada trust in Shopee. Lalu, faktor customisation, customer cost, dan relationship investment berpengaruh secara positif kepada loyalty to Shopee. Selain itu, ditemukan bahwa trust in Shopee dan loyalty to Shopee memengaruhi trust in SeaBank secara positif, serta trust in SeaBank memengaruhi intention to use SeaBank secara positif, sehingga penelitian ini memperkuat teori trust transfer. Di lain sisi, faktor customisation tidak memengaruhi trust in Shopee dan faktor convenience, perceived ease of use, dan informativeness tidak memengaruhi loyalty to Shopee. Namun, penolakan beberapa hipotesis tersebut telah divalidasi oleh enam narasumber wawancara yang merupakan pengguna aktif Shopee. Implikasi teoritis penelitian ini adalah perluasan mengenai pengaruh customer experience terhadap value yang diberikan perusahaan kepada customer, dapat meningkatkan kepercayaan dan kesetiaan pengguna sekaligus memberikan fakta baru mengenai proses trust transfer hingga menjadi intention to use antara Shopee dengan SeaBank dalam konteks customer experience.

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The development of the internet and smartphones has facilitated various activities, including online payments, by leveraging mobile technology. Currently, banks have begun offering digital-only banking services. However, there are still many pros and cons related to digital banks in Indonesia. Therefore, this research aims to examine the adoption of digital banking, involving the transfer of trust from a well-established e-commerce platform, using the trust transfer theory and the factors of customer experience that influence this trust transfer process. This study focuses on the case of SeaBank, a digital bank, and Shopee, an e-commerce platform, which share the same parent group, Sea Group. The quantitative approach in this research utilizes data collected through online questionnaires with a total of 629 respondents. The data is then analyzed using the partial least squares structural equation modeling (PLS-SEM) method with SmartPLS4 software. The results of the data analysis show that factors such as customer cost, convenience, perceived ease of use, informativeness, and relationship investment have a positive influence on trust in Shopee. Furthermore, customisation, customer cost, and relationship investment have a positive impact on loyalty to Shopee. Additionally, trust in Shopee and loyalty to Shopee positively affect trust in SeaBank, and trust in SeaBank positively influences the intention to use SeaBank, thus strengthening the trust transfer theory. On the other hand, customisation does not affect trust in Shopee, and factors such as convenience, perceived ease of use, and informativeness do not influence loyalty to Shopee. However, the rejection of these hypotheses has been validated by six interviewees who are active Shopee users. The theoretical implications of this research include expanding the understanding of the influence of customer experience on the value provided by companies to customers, which can enhance user trust and loyalty, while also providing new insights into the trust transfer process leading to the intention to use between Shopee and SeaBank in the context of customer experience."

"Perkembangan internet dan smartphone mendorong berbagai kegiatan, salah satunya pembayaran, untuk dilakukan secara online dengan memanfaatkan teknologi mobile. Saat ini bank sudah mulai menyediakan layanan digital only bank. Namun, masih banyak pro-kontra terkait bank digital di Indonesia. Oleh karena itu, penelitian ini bertujuan untuk meneliti adopsi digital banking yang melibatkan perpindahan kepercayaan dari suatu e-commerce yang sudah banyak dipercayai dengan menggunakan teori trust transfer beserta faktor-faktor customer experience yang memengaruhi proses trust transfer tersebut. Penelitian ini menggunakan studi kasus bank digital SeaBank dengan e-commerce Shopee yang memiliki satu parent group yang sama yaitu Sea Group. Pendekatan kuantitatif pada penelitian ini memanfaatkan data dari penyebaran kuesioner daring dengan total 629 responden. Kemudian, data diolah menggunakan metode partial least squares structural equation modeling (PLS-SEM) dengan perangkat lunak SmartPLS 4. Hasil analisis data menunjukkan faktor customer cost, convenience, perceived ease of use, informativeness, dan relationship investment berpengaruh secara positif kepada trust in Shopee. Lalu, faktor customisation, customer cost, dan relationship investment berpengaruh secara positif kepada loyalty to Shopee. Selain itu, ditemukan bahwa trust in Shopee dan loyalty to Shopee memengaruhi trust in SeaBank secara positif, serta trust in SeaBank memengaruhi intention to use SeaBank secara positif, sehingga penelitian ini memperkuat teori trust transfer. Di lain sisi, faktor customisation tidak memengaruhi trust in Shopee dan faktor convenience, perceived ease of use, dan informativeness tidak memengaruhi loyalty to Shopee. Namun, penolakan beberapa hipotesis tersebut telah divalidasi oleh enam narasumber wawancara yang merupakan pengguna aktif Shopee. Implikasi teoritis penelitian ini adalah perluasan mengenai pengaruh customer experience terhadap value yang diberikan perusahaan kepada customer, dapat meningkatkan kepercayaan dan kesetiaan pengguna sekaligus memberikan fakta baru mengenai proses trust transfer hingga menjadi intention to use antara Shopee dengan SeaBank dalam konteks customer experience.

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The development of the internet and smartphones has facilitated various activities, including online payments, by leveraging mobile technology. Currently, banks have begun offering digital-only banking services. However, there are still many pros and cons related to digital banks in Indonesia. Therefore, this research aims to examine the adoption of digital banking, involving the transfer of trust from a well-established e-commerce platform, using the trust transfer theory and the factors of customer experience that influence this trust transfer process. This study focuses on the case of SeaBank, a digital bank, and Shopee, an e-commerce platform, which share the same parent group, Sea Group. The quantitative approach in this research utilizes data collected through online questionnaires with a total of 629 respondents. The data is then analyzed using the partial least squares structural equation modeling (PLS-SEM) method with SmartPLS4 software. The results of the data analysis show that factors such as customer cost, convenience, perceived ease of use, informativeness, and relationship investment have a positive influence on trust in Shopee. Furthermore, customisation, customer cost, and relationship investment have a positive impact on loyalty to Shopee. Additionally, trust in Shopee and loyalty to Shopee positively affect trust in SeaBank, and trust in SeaBank positively influences the intention to use SeaBank, thus strengthening the trust transfer theory. On the other hand, customisation does not affect trust in Shopee, and factors such as convenience, perceived ease of use, and informativeness do not influence loyalty to Shopee. However, the rejection of these hypotheses has been validated by six interviewees who are active Shopee users. The theoretical implications of this research include expanding the understanding of the influence of customer experience on the value provided by companies to customers, which can enhance user trust and loyalty, while also providing new insights into the trust transfer process leading to the intention to use between Shopee and SeaBank in the context of customer experience."

"Perkembangan internet dan smartphone mendorong berbagai kegiatan, salah satunya pembayaran, untuk dilakukan secara online dengan memanfaatkan teknologi mobile. Saat ini bank sudah mulai menyediakan layanan digital only bank. Namun, masih banyak pro-kontra terkait bank digital di Indonesia. Oleh karena itu, penelitian ini bertujuan untuk meneliti adopsi digital banking yang melibatkan perpindahan kepercayaan dari suatu e-commerce yang sudah banyak dipercayai dengan menggunakan teori trust transfer beserta faktor-faktor customer experience yang memengaruhi proses trust transfer tersebut. Penelitian ini menggunakan studi kasus bank digital SeaBank dengan e-commerce Shopee yang memiliki satu parent group yang sama yaitu Sea Group. Pendekatan kuantitatif pada penelitian ini memanfaatkan data dari penyebaran kuesioner daring dengan total 629 responden. Kemudian, data diolah menggunakan metode partial least squares structural equation modeling (PLSSEM) dengan perangkat lunak SmartPLS 4. Hasil analisis data menunjukkan faktor customer cost, convenience, perceived ease of use, informativeness, dan relationship investment berpengaruh secara positif kepada trust in Shopee. Lalu, faktor customisation, customer cost, dan relationship investment berpengaruh secara positif kepada loyalty to Shopee. Selain itu, ditemukan bahwa trust in Shopee dan loyalty to Shopee memengaruhi trust in SeaBank secara positif, serta trust in SeaBank memengaruhi intention to use SeaBank secara positif, sehingga penelitian ini memperkuat teori trust transfer. Di lain sisi, faktor customisation tidak memengaruhi trust in Shopee dan faktor convenience, perceived ease of use, dan informativeness tidak memengaruhi loyalty to Shopee. Namun, penolakan beberapa hipotesis tersebut telah divalidasi oleh enam narasumber wawancara yang merupakan pengguna aktif Shopee. Implikasi teoritis penelitian ini adalah perluasan mengenai pengaruh customer experience terhadap value yang diberikan perusahaan kepada customer, dapat meningkatkan kepercayaan dan kesetiaan pengguna sekaligus memberikan fakta baru mengenai proses trust transfer hingga menjadi intention to use antara Shopee dengan SeaBank dalam konteks customer experience.

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The development of the internet and smartphones has facilitated various activities, including online payments, by leveraging mobile technology. Currently, banks have begun offering digital-only banking services. However, there are still many pros and cons related to digital banks in Indonesia. Therefore, this research aims to examine the adoption of digital banking, involving the transfer of trust from a well-established e-commerce platform, using the trust transfer theory and the factors of customer experience that influence this trust transfer process. This study focuses on the case of SeaBank, a digital bank, and Shopee, an e-commerce platform, which share the same parent group, Sea Group. The quantitative approach in this research utilizes data collected through online questionnaires with a total of 629 respondents. The data is then analyzed using the partial least squares structural equation modeling (PLS-SEM) method with SmartPLS4 software. The results of the data analysis show that factors such as customer cost, convenience, perceived ease of use, informativeness, and relationship investment have a positive influence on trust in Shopee. Furthermore, customisation, customer cost, and relationship investment have a positive impact on loyalty to Shopee. Additionally, trust in Shopee and loyalty to Shopee positively affect trust in SeaBank, and trust in SeaBank positively influences the intention to use SeaBank, thus strengthening the trust transfer theory. On the other hand, customisation does not affect trust in Shopee, and factors such as convenience, perceived ease of use, and informativeness do not influence loyalty to Shopee. However, the rejection of these hypotheses has been validated by six interviewees who are active Shopee users. The theoretical implications of this research include expanding the understanding of the influence of customer experience on the value provided by companies to customers, which can enhance user trust and loyalty, while also providing new insights into the trust transfer process leading to the intention to use between Shopee and SeaBank in the context of customer experience."