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Abstrak :
Ketika sebuah pasar mencapai titik jenuh, strategi defensif untuk mempertahankan konsumen menjadi lebih penting daripada strategi offensive seperti memperluas ukuran pasar pasar secara keseluruhan. Dapat disimpulkan bahwa ada dua strategi yang dapat dilakukan oleh perusahaan dalam mempertahankan dan menjaga loyalitas konsumen, yaitu memberikan perceived switching cost harga berpindah yang tinggi atau memberikan pelayanan yang memuaskan konsumen. Pemilihan strategi tersebut perlu ditinjau kembali sesuai dengan perusahaan jasa yang ingin dikembangkan. Penelitian dilakukan untuk mencari bukti empiris bahwa perceived switching cost dapat mempengaruhi kualitas loyalitas konsumen menjadi true loyalty maupun spurious loyalty, yakni sebuah keadaan dimana pelanggan tidak puas tetapi dapat menghasilkan repeat patronage yang tinggi. Timbulnya perceived switching cost tidak hanya dikarenakan oleh persaingan antar perusahaan, tetapi jenis jasa yang berbeda ternyata juga dapat menimbulkan perceived switching cost.

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When a market reached saturation point, a defensive strategy to retaion consumers become more important than creating offensive strategy, such as expanding the size of the overall market. It can concluded that there are two strategies that can be conducted in maintaining and keeping customer loyalty, which to give high perceived switching cost or to provide services in order to satisfy consumers. The consideration on choosing those strategies needs to be reviewed regarding the type of service companies. The study was conducted to find empirical evidence that perceived switching cost can affect the quality of consumer loyalty in becoming true loyalty or lsquo spurious loyalty, a situation where the customer is not satisfied but has high repeat patronage. The emergence of perceived switching cost is not only caused by the competition between companies, but also caused by the type of the service itself.

Abstrak :
Digitalisasi, sebagai bagian dari pemanfaatan teknologi di industri keuangan memberikan peran penting dalam efisiensi biaya, peningkatan jaringan dan inovasi. Perbankan merupakan salah satu industri yang mengalami transisi digitalisasi yang pesat dengan munculnya perbankan digital. Masyarakat Indonesia masih belum begitu mengenal perbankan digital dan memiliki pertimbangan terkait dengan keamanan informasi dan penggunaan. Untuk itu, penting bagi perbankan digital untuk mengedukasi nasabah tentang spesifikasi, manfaat, layanan keuangan, dan keahlian. Edukasi meningkatkan keahlian yang berbeda dari setiap individu, baik keahlian spesifik perusahaan maupun keahlian spesifik pasar. Ketika perbankan digital berinvestasi edukasi kepada pelanggan semakin cerdas dan informatif, apakah mengarahkan pelanggan untuk berpindah atau bahkan melakukan E-WOM asosiasi positif serta menghasilkan loyalitas pelanggan. Tujuan penelitian ini adalah menguji enam belas hipotesis tentang pengaruh edukasi terhadap loyalitas pelanggan dengan design penelitian Multi Cross-sectiona studies. Dua ratus responden nasabah digital banking di Indonesia di survey pada tahap satu (T1) tentang variabel indenpenden. selajutnya dalam waktu tiga bulan diuji kembali untuk variabel dependen (T2) . Analisis data dilakukan dengan menggunakan metode SEM (Structure Equation Model) untuk mengukur tingkat loyalitas terhadap pendidikan yang telah dilakukan oleh digital banking. Hasilnya adalah terhadap pengaruh signifikan edukasi terhadap loyalitas perbankan digital, sehingga perbankan digital perlu membuat strategi edukasi yang tepat dalam meningkatkan tingkat loyalitas pelanggan. ......Digitalization, as part of the use of technology in the financial industry, plays an important role in cost efficiency, network enhancement, and innovation. Banking is one of the industries experiencing a rapid digitalization transition with the emergence of digital banking. Indonesian people are still not very familiar with digital banking and have considerations related to information security and usage. For this reason, it is important for digital banking to educate customers about specifications, benefits, financial services, and expertise. Education will enhance the different skills of each individual, both company-specific skills and market-specific skills. When digital banking invests in education to customers, it will be smarter and more informative, whether it will lead customers to switch or even carry out E-WOM positive associations and generate customer loyalty. The purpose of this study was to test sixteen hypotheses about the effect of education on customer loyalty with a multi-cross-sectional study design. Two hundred respondents of digital banking customers in Indonesia will be surveyed in stage one (T1) on independent variables. thereafter within three months will be re-tested for the dependent variable (T2). Data analysis will be carried out using the SEM (Structure Equation Model) method to measure the level of loyalty to education that has been carried out by digital banking. The result is the significant effect of education on digital banking loyalty, so digital banking needs to make the right education strategy to increase the level of customer loyalty.

Abstrak :
Studi ini dilakukan untuk memeriksa mekanisme diamati terlibat dalam hubungan antara kualitas layanan yang dirasakan dan kesetiaan pelanggan dalam simcard Mentari. Tujuan dari penelitian ini adalah untuk menguji hipotesis bahwa hubungan antara kualitas layanan yang dirasakan dan kesetiaan pelanggan dimediasi, oleh citra perusahaan, kepercayaan, dan biaya switching. Responden sebanyak 136 dari semua pengguna layanan jasa telpon seluler Mentari untuk menyelesaikan suatu survey yang meliputi langkah-langkah dari: 1. hubungan antara kualitas layanan yang dirasakan dan kesetiaan pelanggan, 2. hubungan antara kualitas layanan yang dirasakan dan kepercayaan, 3. hubungan antara kepercayaan dan dirasakan biaya switching, 4. hubungan antara kepercayaan dan kesetiaan pelanggan, 5. hubungan antara citra perusahaan dan loyalitas pelanggan, 6. hubungan antara kualitas layanan yang dirasakan dan citra perusahaan, 7. hubungan antara biaya switching dirasakan dan kesetiaan pelanggan, dan 8. hubungan antara kualitas layanan yang dirasakan dan dianggap biaya switching.

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This study was conducted to examine the mechanisms involved in observed relations between perceived service quality and customer loyalty in Mentari simcard. The purpose of the present research was to test the hypothesis that relations between perceived service quality and customer loyalty are mediated, by corporate image, trust, and perceived switching costs. Respondents (N=136) from consumer that use Mentari provider completed a survey that included measures of : 1. the relationship between perceived service quality and customer loyalty, 2. the relationship between perceived service quality and trust, 3. the relationship between trust and perceived switching costs, 4. the relationship between trust and customer loyalty, 5. the relationship between corporate image and customer loyalty, 6. the relationship between perceived service quality and corporate image, 7. the relationship between perceived switching costs and customer loyalty, and 8. the relationship between perceived service quality and perceived switching cost.

Abstrak :
ABSTRAK
Teknologi eSIM dibeberapa negara sudah diimplementasikan pada beberapa perangkat vendor seperti Apple dan Samsung. ITU mengatakan bahwa penyebaran secara luas eSIM dan Remote Provisioning akan menjadi enabler suatu disruption karena kelebihan yang dimiliki teknologi eSIM tersebut. Oleh karena itu Dengan adanya eSIM dikawatirkan akan meningkatkan potensi churn rate yang tinggi. Tujuan penelitian ini adalah mengetahui faktor adopsi eSIM yang akan berpotensi mempengaruhi peningkatan churn rate. Model yang dibuat dengan mengambil Faktor adopsi dari metode VAM dan penelitian sebelumnya yang menganalisa efek dari kebijakan Mobile number Portability terhadap Intensitas switching pelanggan. Setelah Model dianalisa didapatkan faktor adopsi perceived usefulness of ESIM (PUESIM), perceived fee of eSIM (PFESIM) dan perceived technically of ESIM (PTE) menjelaskan sekitar 55.6% ATTESIM, dan attitude towards ESIM (ATTESIM) dan perceived technically of ESIM (PTESIM) bersama-sama menjelaskan sekitar 55.3% ESIM-induced self-efficacy (ESIMSEF). Model yang diusulkan memprediksi nilai switching intention SINT R2 hanya 41.9% intensi switching yang meyebabkan meningkatkan potensi churn rate pelanggan seluler. Hal ini disebabkan karena beberapa faktor diantaranya adalah masih adanya switching barrier orang untuk beralih oleh yang bisa perceived switching cost yang masih tinggi tidak mampu meningkatkan itensi orang untuk beralih

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ABSTRACT
ESIM technology in several countries has been implemented on several device vendors such as Apple and Samsung. ITU said that the widespread deployment of eSIM and Remote Provisioning would become an enabler of a disruption due to the advantages possessed by the eSIM technology. Therefore, it is feared that with eSIM will increase the potential for high churn rates. The purpose of this study is to determine the eSIM adoption factors that will potentially affect the increase in churn rate. The model is created by taking the adoption factor from the VAM method and previous research that analyzes the effect of the Mobile number Portability policy on customer switching intensity. After the Model has been analyzed, the adoption of perceived usefulness of ESIM (PUESIM), perceived fee of eSIM (PFESIM) and perceived technic of ESIM (PTEIM) factors explain about 55.6% ATTESIM, and attitude towards ESIM (ATTESIM) and perceived technically of ESIM (PTESIM) together explain about 55.3% ESIM-induced self-efficacy (ESIMSEF). The proposed model predicts the value of SINT R2 switching intention is only 41.9% switching intentions which causes a potential increase in cellular customer churn rate. This is due to several factors including the existence of switching barriers for people to switch by those who can still feel the high switching costs that are not able to increase people's intention to switch.