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All Journal Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Jurnal Manajemen dan Pemasaran Jasa
Nalal Muna
Politeknik APP Jakarta, Indonesia
Economics, Econometrics & Finance

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E-Finance Transformation: A Study of M-Wallet Adoption in Indonesia Eskasari Putri; Aflit Nuryulia Praswati; Nalal Muna; Nelly Purnama Sari
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 23, No 1 (2022): JEP 2022
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v23i1.15469

Abstract

In the era of industry 4.0, the advancement of financial technology has become one of competitive advantage for business. Small, mediun enterprises (SMEs) are encouraged to adopt certain information technology to increase productivity. Financial technology is one of prominent technology that has been widely adopted by SMEs. Specifically, m-wallet payment that promotes cashless society and improve transaction quality. The adoption of financial technology indicate the acceptance of reconfiguring financial management practices in business.Thus, e-financial transformation attempt to digitalize business operations and marketing. This research aims to examine the impact of perceived value, business pressure and technology infrastructure for e-financial transformation and SME’s performance. This is quantitative approach that uses field-survey questionnaire in Surakarta regency. The sampe is 150 owners of SME who have adopted m-wallet payment for transaction at minimum of 1 year. The result shows that perceived value, and technology infrastructure have significant impact on e-financial transformation. However, business pressure and e-financial transformation have no impact on SME’s performance.
Loyalty of m-wallet user from a service-dominant logic perspective Nalal Muna; Mutia Rahmi Pratiwi; Barkah Alkhaliq
Jurnal Manajemen dan Pemasaran Jasa Vol. 13 No. 2 (2020): September
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (23.232 KB) | DOI: 10.25105/jmpj.v13i2.6727

Abstract

This study aimed to examine the effect of customer perceived value on the loyalty of mobile wallet (m-wallet) users. Payment using mobile wallet offers several benefits for consumer in terms of functional, social, and economic value. Meanwhile, Service-Dominant Logic was used to explain consumer’s experience in utilizing mobile wallet for payment. Furthermore, a quantitativeapproach with questionnaire was used for data collection, and a total of 325 users participated as the respondents. A purposivesampling technique was used to determine the sample criteria i.e. active m-wallet users with a minimum usage of 1 year. The result showed that all the hypotheses are supported. This indicated that customer perceived value consist of functional, economic, and social value, which have positive and significant impact on satisfaction that leads to customer loyalty. Meanwhile, satisfactionis the most salient predictor of customer loyalty. Therefore, financial technology provider needs to pay more attention to customer perceived value, especially in terms of functional, economic and social aspect.
Co-Authors Aflit Nuryulia Praswati Barkah Alkhaliq Eskasari Putri Mutia Rahmi Pratiwi Nelly Purnama Sari