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"Keberhasilan m-wallet dalam memberikan layanan yang sesuai dengan harapan pelanggan tidak hanya dilihat dari peningkatan jumlah pengguna, tetapi juga dari sisi bagaimana menjaga retensi pengguna dalam menggunakan aplikasi, salah satunya adalah dengan mengevaluasi sisi customer experience. Penelitian ini bertujuan untuk mengidentifikasi determinan dari customer experience (CX) dan bagaimana implikasi customer experience (CX) terhadap customer loyaty dan continue usage intention, dimana penelitian difokuskan pada pada aplikasi mobile wallet (m-wallet). Penelitian ini menggunakan jenis penelitian deskriptif dan teknik survei secara online terhadap 342 responden. Kemudian data diuji menggunakan metode Partial Least Squares - Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukan bahwa delapan dari 21 hipotesis dinyatakan signifikan, di mana terdapat masing-masing pengaruh yang signifikan dari trust, convenience, social influence, application attributes, dan responsiveness terhadap customer experience, kecuali customer support. Customer experience juga memiliki pengaruh yang signifikan dengan customer loyalty dan continue tusage intention. Kemudian variabel moderasi usia dan gender ditemukan tidak memoderasi masing-masing hubungan trust, convenience, social influence, application attributes, customer support, dan responsiveness terhadap customer experience. Hasil penelitian ini akan berkontribusi pada literatur tentang Customer Experience (CX) dan akan membantu penyedia layanan m-wallet dalam mengenali pentingnya CX dan merancang strategi membangun customer experience yang tepat.

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The success of m-wallet in providing services that meet customer expectations is not only seen from the increase in the number of users but also in terms of how to maintain user retention in using applications, one of which is by evaluating the customer experience side. This study aims to identify the determinants of customer experience (CX) and how the implications of consumer experience (CX) on customer loyalty and continued usage intention, where the object of this research is a mobile wallet application (m-wallet). This study uses descriptive research and online survey techniques with 342 respondents. Then the data was tested using the Partial Least Squares - Structural Equation Modeling (PLS-SEM) method. The results showed that eight of the 21 hypotheses were significant. Each significantly influenced trust, convenience, social influence, application attributes, and responsiveness towards customer experience, except for customer support. Customer experience also significantly influenced customer loyalty and continued service intention. Then the moderating variables of age and gender were found not to moderate the relationships of trust, convenience, social influence, application attributes, customer support, and responsiveness toward customer experience. The results of this study will contribute to the literature on Customer Experience (CX) and assist m-wallet service providers in recognizing the importance of CX and designing strategies to build the right customer experience."

"Tujuan dari iklan personalisasi online adalah untuk menyesuaikan konten online agar sesuai dengan kebutuhan pengguna sehingga konsumen dapat mengembangkan pengalaman positif dengan merek. Namun, penelitian mengenai perceived personalization pada perilaku konsumen masih sedikit, terutama pada konteks media sosial. Penelitian mengenai bagaimana iklan personalisasi memengaruhi ekuitas merek juga masih sedikit. Penelitian ini menganalisis bagaimana perceived personalization konsumen memengaruhi ekuitas merek melalui mekanisme consumer brand identification dan self-brand connection dan bagaimana peningkatan dari ekuitas merek memotivasi konsumen untuk mengadopsi atau menggunakan merek yang diiklankan di Instagram. Penelitian ini bersifat kuantitatif dan menggunakan Structural Equation Modelling (SEM) untuk pengolahan data berdasarkan data dari 857 responden yang diperoleh melalui penyebaran kuesioner terhadap pengguna aktif Instagram minimal dua jam per hari yang berada di Indonesia, berusia di antara 18–34 tahun, pernah melakukan pencarian mengenai suatu merek di internet, dan mendapati iklan personalisasi dari merek tersebut di Instagram (iklan berlabel "sponsored" pada IG Story, IG Suggested Post, atau IG Explore Page) dalam satu minggu terakhir sebelum menerima pertanyaan kuesioner. Penelitian ini menunjukkan hasil bahwa perceived personalization berpengaruh secara positif terhadap consumer brand identification dan self-brand connection. Selain ituconsumer brand identification dan self-brand connection berpengaruh secara positif terhadap brand equity, baik perceived quality, brand loyalty, dan brand association dan awareness. Selanjutnya, brand equity, baik perceived quality, brand loyalty, dan brand association dan awareness berpengaruh secara positif terhadap brand usage intent. Terakhir, consumer brand identification dan self-brand connection juga memediasi hubungan antara perceived personalization dan brand equity, baik perceived quality, brand loyalty, dan brand association dan awareness. Implikasi manajerial serta saran bagi penelitian selanjutnya akan dibahas lebih lanjut pada penelitian ini.

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The purpose of online personalization advertising is to tailor online content to suit the needs of users by adapting to these needs so that consumers can develop a positive experience with the brand. However, there is little research on perceived personalization in consumer behavior, especially in the context of social media. There is also little research on how personalized advertising affects brand equity. This study analyzes how consumer’s perceived personalization affect brand equity through consumer brand identification mechanisms and self-brand connection and how the brand equity motivates consumers to adopt or use brands advertised on Instagram. This research is quantitative and uses Structural Equation Modeling (SEM) for data processing based on data from 857 respondents obtained through distributing questionnaires to active Instagram users at least two hours per day who are in Indonesia, between 18-34 years old, conducted a prior search on a brand on the internet, and found personalized ads from that brand on Instagram (ads labeled "sponsored" on IG Stories, IG Suggested Posts or IG Explore Pages) in the past a week to receiving the questionnaire questions. This study prove that perceived personalization has a positive effect on consumer brand identification and self- brand connection. In addition, consumer brand identification and self-brand connection have a positive effect on brand equity: perceived quality, brand loyalty, brand association and brand awareness. Furthermore, brand equity: perceived quality, brand loyalty, brand association and brand awareness have a positive effect on brand usage intention. Lastly, consumer brand identification and self-brand connection also mediate the relationship between perceived personalization and brand equity: perceived quality, brand loyalty, brand association and brand awareness. The managerial implications and suggestions for further research will be discussed further in this study."