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"Industri kartu kredit telah berkembang pesat dan lebih kompetitif dalam beberapa tahun terakhir ini. Ini jelas terlihat dari tingkat promo dan jumlah pengguna kartu kredit yang semakin meningkat setiap hari. Semua Bank yang ikut serta dalam bisnis ini berkompetisi untuk menjadi yang terbaik dengan meningkatkan jasa pelayanan dan juga promosi terhadap nasabah. Bank Niaga merupakan salah satu Bank yang telah membuktikan menjadi yang terbaik dengan memberikan pelayanan yang berkualitas. Hal yang terpenting dalam menjaga kepuasan nasabah adalah service recovery.Penelitian ini bertujuan untuk mencari tahu pengeruh service recovery terhadap kepuasan nasabah. Penelitian ini menggunakan enam dimensi service recovery yaitu Communication, Empowerment, Feedback, Atonement, Explanation, and Tangibles. Menggunakan Purposive Sampling dan untuk analisa data digunakan Multiple Regresi. Dimensi Tangibles menjadi dimensi yang paling berpengaruh terhadap kepuasan nasabh dalam hal service recovery.

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Credit Card Industry has been increasing and more competitive nowadays. It is obviously seen from the promotion and the number of Credit Card Holder that is always increase every day. So that, the banks are join the competition to be the best by increasing their services level to customers and gain customers through enormous promotion. Bank Niaga also join the competition and proven by becoming the best of Service Quality in credit card industry. One of service variable that bank Niaga has is Service Recovery.This research is to find out the effect of this variable as customer satisfaction. This study is using six dimensions of Service Recovery, those are Communication, Empowerment, Feedback, Atonement, Explanation, and Tangibles. This research use the puposive sampling. Factor analysis and multiple linear regression were use to analize the data. This research found that Tangibles dimension had a significant influence to the customer satisfaction than the other dimensions."

"Penelitian ini dilaksanakan dengan tujuan untuk mengetahui hubungan antara kualitas pelayanan yang spesifik dengan tingkat kepuasan nasabah Bank Syariah Mandiri Cabang ?X?. Tujuan kedua dari dilaksanakannya penelitian ini adalah untuk meneliti hubungan antara tingkat kepuasan nasabah dengan kualitas pelayanan melalui analisis terhadap persepsi dibandingkan dengan tingkatan ekspektasi yang dimiliki oleh nasabah. Data yang digunakan dalam penelitian ini bersifat primer yang diperoleh melalui survei lapang dengan menggunakan kuesioner. Penelitian ini dilaksanakan pada bulan Juni hingga Juli 2009 dan mengambil lokasi sebagai tempat penelitian, yaitu Bank Syariah Mandiri Cabang Bogor, Cibinong, Rawamangun, dan Thamrin. Metode yang digunakan dalam menganalisa hubungan antara kualitas pelayanan dengan kepuasan nasabah adalah dengan regresi linier berganda. Variabel independen terdiri dari persepsi nasabah terhadap kualitas pelayanan, interaksi antara variabel dummy (d1) dengan persepsi, dan interaksi antara variabel dummy (d2) dengan persepsi. Hasil penelitian menunjukkan bahwa persepsi nasabah adalah secara signifikan mempengaruhi tingkat kepuasan nasabah pada area di dalam zone of tolerance. Sedangkan interaksi antara persepsi dengan variabel dummy d1 dan d2 memiliki pengaruh yang tidak signifikan dalam keterkaitannya dengan kepuasan nasabah. Hasil penelitian menunjukkan bahwa seluruh hipotesis ditolak. Kesimpulan dari penelitian ini adalah bahwa peningkatan terhadap kualitas pelayanan akan efektif dalam meningkatkan kepuasan hanya jika persepsi nasabah berada di dalam area zone of tolerance.

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The purpose of this research is to discover the relationship between specific service quality dimensions with customer satisfaction in Bank Syariah Mandiri. The other purpose of this research is to research the relationship between customer satisfaction and service quality by analysis towards perception compared with the level of expectation of the customer. The data used in this research is primary data gathered in survey by using questionnaire. This research is held on June until July 2009 and the location of the research are Bank Syariah Mandiri Branch of Bogor, Cibinong, Rawamangun, and Thamrin. The method used to analyse the relationship between service quality and customer satisfaction is using multiple linear regression. The independent variable comprised of the customer perception, the interaction between dummy variable (d1) and perception, the last is the interaction between dummy variable (d2) and perception. The result of the research showed that customer perception is significantly affecting the customer satisfaction inside the area of zone of tolerance. Whereas the interaction between perception and dummy variable (d1 and d2) is not significantly affecting the customer satisfaction. The result of this research showed that all of the hypothesis is refused. The conclusion of this research showed that the improvement of service quality would be effective if only the perception of the customer is inside the area of zone of tolerance."

"Di era industri 4.0., semakin banyak perusahaan yang mencoba untuk melakukan digitalisasi proses layanannya. Hal ini termasuk pada penggunaan chatbot yang mulai marak di industri perbankan Indonesia, dengan tujuan meningkatkan kepuasan pelanggan melalui interaksi secara cepat. Fenomena ini menarik minat peneliti untuk mempelajarinya. Penelitian ini bertujuan untuk memahami pengaruh kualitas komunikasi (terdiri dari akurasi komunikasi, kredibilitas komunikasi, dan kompetensi komunnikasi) terhadap kepuasan nasabah dalam menggunakan chatbot perbankan, dan memahami pengaruh upaya pemasaran yang dibantu chatbot (yang terdiri dari lima dimensi interaksi, hiburan, tren, kustomisasi, dan pemecahan masalah) terhadap kualitas komunikasi. Sampel yang digunakan berjumlah 202 orang nasabah bank, yang berusia 15 sampai 45 tahun dan pernah menggunakan chatbot sebelum penelitian dilakukan. Penelitian ini menggunakan structural equation modelling (SEM) dalam mengolah data. Hasil penelitian ini menunjukkan bahwa upaya pemasaran yang dibantu chatbot dapat mempengaruhi secara positif kualitas komunikasi. Sedangkan dari tiga dimensi kualitas komunikasi, hanya akurasi komunikasi dan kompetensi komunikasi yang mempunyai pengaruh positif terhadap kepuasan nasabah. Penelitian ini menjadi sebuah hal yang baru, karena studi ini merupakan studi pertama yang meneliti pengaruh chatbot terhadap kepuasan nasabah di industri perbankan Indonesia.

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In industry 4.0., more and more firms try to digitalize their service process. That includes the popular chatbot usage in Indonesia banking industry, with the goal of more customer satisfaction through fast interaction. This sparked an interest to the writer, hence the topic of this study. This study aims to understand the influence of communication quality consisted of communication accuracy, communication credibility, and communication competence) to customer satisfaction in using banking chatbot, and to understand the influence of service agent marketing effort (consisted of five dimension: interaction, entertainment, trendiness, customization, and problem solving) to communication quality. 202 samples of banking customers were used, which age were 15 to 45 years old and had used banking chatbot before. This study used structural equation modelling (SEM) to process the data. The result showed that service agent marketing effort affects positively communication quality. While only two of three dimensions of communication quality (that is communication accuracy and communication competence) affect positively customer satisfaction. This study is a novel study, since it is the first study that discussed about chatbot effects to customer satisfaction in Indonesia banking industry."

"The research aim was to assess the influence of the service quality of mobile banking (m-banking) against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking) were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM) found significant influences between service quality of mobile banking (m-banking) partially and simultaneously to customer satisfaction."

"Bank Neo Commerce, sebagai salah satu bank digital di Indonesia, bertujuan untuk memberikan inovasi dan solusi layanan keuangan untuk menjaga loyalitas nasabah. Penelitian ini bertujuan untuk menganalisis pengaruh perceived value dimensions yaitu perceived empathy, perceived reliability, perceived price, perceived benevolence, dan perceived competence terhadap customer satisfaction dan customer loyalty pada pengguna bank digital Neo Commerce. Penelitian ini menggunakan pendekatan kuantitatif dan teknik purposive sampling dengan menyebarkan kuesioner melalui Google Form kepada 100 responden yang merupakan pengguna bank digital Neo Commerce, berusia minimal 17 tahun/sudah memiliki KTP, dan telah melakukan transaksi pada aplikasi Neobank minimal dua kali dalam enam bulan terakhir. Analisis deskriptif dan uji regresi menggunakan SPSS digunakan dalam menganalisis data. Temuan penelitian menunjukkan bahwa perceived value dimensions berpengaruh secara signifikan terhadap customer satisfaction dan customer loyalty serta customer satisfaction berpengaruh secara signifikan terhadap customer loyalty pada pengguna bank digital Neo Commerce di Jabodetabek. Lebih lanjut, dimensi dari perceived value dimensions yaitu perceived reliability, perceived price, dan perceived benevolence ditemukan memiliki pengaruh terhadap customer satisfaction, sedangkan customer loyalty dipengaruhi oleh dimensi perceived price, perceived benevolence, dan perceived competence.

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Bank Neo Commerce, as one of the digital banks in Indonesia, aims to provide innovation and financial service solutions to maintain customer loyalty. This research aims to analyze the influence of perceived value dimensions, namely perceived empathy, perceived reliability, perceived price, perceived benevolence, and perceived competence, on customer satisfaction and customer loyalty among users of Neo Commerce Digital Bank. The study uses a quantitative approach and purposive sampling technique by distributing questionnaires via Google Form to 100 respondents who are Neo Commerce Digital Bank users, aged at least 17 years/possess an ID card, and have conducted at least two transactions on the Neobank application in the past six months. Descriptive analysis and regression tests using SPSS were employed in data analysis. The findings indicate that perceived value dimensions significantly influence customer satisfaction and customer loyalty, and customer satisfaction significantly influences customer loyalty among users of Neo Commerce digital bank in Jabodetabek. Furthermore, the dimensions of perceived value, namely perceived reliability, perceived price, and perceived benevolence, were found to influence customer satisfaction, whereas customer loyalty was influenced by perceived price, perceived benevolence, and perceived competence."