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Abstrak :
Tulisan ini bermaksud untuk mempelajari dan menganalisis peran Eksternalitas Jaringan, Karakteristik Inovasi, dan Kecemasan Teknologi pada suatu bentuk model bisnis keuangan yang baru. Inovasi-inovasi Digital telah mengubah banyak aspek kehidupan manusia modern. Banyak model bisnis mengintegrasikan bisnis mereka ke bentuk online atau virtual di bagian depan bisnis mereka, termasuk perbankan. Jenius adalah bentuk baru model bisnis bank yang hanya terbentuk dalam bentuk virtual dengan memanfaatkan popularisasi penggunaan smartphone dan internet. Jadi bentuk baru tersebut adalah Jenius hanya mobile / online-banking, dengan kehadiran fisik minimal. Model penelitian ini diambil dari penelitian perbankan bergerak dan dimodifikasi untuk menganalisis secara ekstensif hubungan dan teori yang diajukan sebelumnya. Dengan partisispasi 174 orang respondent data dapat dikumpulkan dan di proses dengan metode Structural Equation Modeling dengan tiga jenis hubungan: Interaksi Langsung, Tidak Langsung / Mediasi, dan Moderasi. Dari Eksternalitas, efek mediasi Karakteristik Inovasi Jenius, dan seberapa banyak kegelisahan teknologi mungkin mencairkan hubungan yang diusulkan. ...... This paper intends to study and analyze the role of Network Externalities, Characteristics of Innovation, and Technological Anxiety on a new form of financial business model. Digital Innovations change many aspects of modern life, many business model integrate their business to online or virtual form at their front end of their business, that includes banking. Jenius is a new form of bank business model which form only in virtual form and utilizes the popularization of smartphone and internet use. Essentially a mobile online banking only, with minimal physical presence. The model of this researchs taken from a research of mobile banking and modified to extensively analyze the previously proposed relationships and theories. It uses the 3 previously mentioned theories on Intention to adopt Jenius. With the participation of 174 respondents, the data is gathered and then analyzed using Structural Equation Modeling with three types of relationship Direct, Indirect Mediation, and Moderation Interactions. From the result we find the supported and not supported effect of Network Externalities, the mediation effect of Jenius Innovation Characteristics, and how much technological anxiety might dilute the proposed relationship.

Abstrak :
At its introduction, instant messaging (IM) was predicted to facilitate communication between businesses and customers. Growing numbers of smartphones coupled with internet penetration then led to the development of mobile instant messaging (MIM). Some MIM provides a feature for businesses to communicate to customers, which enables businesses to send promotions and information directly to customers. For this to be effective, loyalty is crucial for continued MIM use, especially MIM that can be used as a promotional tool, or mobile instant messaging promotion (MIMP). This study focuses on the factors that affect loyalty and satisfaction in MIMP. The results suggest that loyalty is affected by satisfaction and perceived usefulness, satisfaction by perceived enjoyment and attention focus, and perceived usefulness by referent network size and attention focus. MIMP should increase the user referent network size by offering rewards for inviting contacts. Perceived enjoyment and attention focus can be strengthened by enhancing the user experience and offering additional features.