ABSTRACT:The purpose of this study was to examine the role of E-Satisfaction in mediating Effect of EServqual and E-Trust Against E-Loyalty. The number of samples as many as 100 people determined by
accidental sampling technique with non-probability sampling method. The data analysis technique used is
Partial Least Square-Path Modeling Reflective Multidimensional Construct (Second Order Construct) with
SmartPLS 3.0 software. The results obtained in this study are e-service quality has a significant effect on esatisfaction, e-trust has a significant effect on e-satisfaction, e-satisfaction has a significant effect on e-loyalty,
e-service quality has no significant effect on e-loyalty, e-trust no significant effect on e-loyalty, e-service quality
has a significant effect on e-loyalty through e-satisfaction and e-trust has a significant effect on e-loyalty
through e-satisfaction.
KEYWORDS: E-Servquall, E-Trust, E-Satisfaction, E-Loyalty, Mobile Banking
Self-service technology, service quality, and relationship quality can influence customer loyalty to digital banking services. The study examined these factors' impact on e-loyalty of corporate customers using Bank Mandiri's cash management services. A survey of 115 corporate customers was conducted, and data was analyzed using structural equation modeling. The findings showed that service quality positively influences both relationship quality and e-loyalty. Relationship quality was also found to positively impact e-loyalty. The study aims to provide a comprehensive model of how these factors relate and influence online customer loyalty in the banking sector.
This document is a thesis written by Mirah Javed titled "Internet banking service quality and its implication on e-customer satisfaction and e-customer loyalty in Pakistan". It contains an introduction that defines key concepts like customer loyalty, customer satisfaction, service quality, and trust in the context of e-banking. It then reviews relevant literature and develops hypotheses about relationships between internet banking service quality, customer satisfaction, customer loyalty, and trust. It describes the methodology used to collect data through questionnaires. The document aims to understand how internet banking service quality impacts customer satisfaction and loyalty in Pakistan.
The Influence of Innovation, Service Quality and People on Service Visitor Sa...AJHSSR Journal
ABSTRACT: This study aims to determine and analyze the effect of innovation, service quality and people on
official visitor satisfaction at the Banyuwangi Regional Government Lounge. The population in this study were
official guests who visited the loune of the Banyuwangi Regency Government, amounting to 6,923 people.
Determination of the number of samples using the Slovin formula so as to obtain the number of respondents as
many as 100 visitors. To measure the measuring instrument in the form of a questionnaire, the validity test and
data reliability test were used. Research data were analyzed using SEM with Warp-PLS. The results of the tests
carried out in the study showed that the innovation variable had a significant effect on visitor satisfaction. The
service quality variable has a significant effect on visitor satisfaction. The people variable has a significant
effect on visitor satisfaction at the Banyuwangi Regional Government Lounge.
KEYWORDS: innovation; service quality; people; visitor satisfaction; Lounge.
This document summarizes a research study that examined the influence of self-service technology service quality, e-satisfaction, and e-trust on e-loyalty. The study used a questionnaire to collect data from 200 bank customers in Indonesia. Structural equation modeling was used to analyze the data. The results found that high quality self-service technology increases customer e-satisfaction and e-loyalty. Good self-service technology also increases customer e-trust. High levels of e-satisfaction and e-trust, in turn, increase customer e-loyalty. Thus, self-service technology quality positively impacts e-satisfaction, e-trust and e-loyalty.
The aim of this study is to analyze the quality of Internet banking services consisting of
Efficiency, System Availability, Fulfillment, Privacy, Responsiveness, Compensation and Contact with positive
and significant effects partially and simultaneously towards the Customer Satisfaction at Bank in Bandung. The
research method used is associative descriptive method with data collection techniques through questionnaires.
The results showed that the quality of Internet banking services consisting of Efficiency, System Availability,
Fulfillment, Privacy, Responsiveness, Compensation and Contact had a positive and significant effect on
customer satisfaction at Bank in Bandung
Assessing the Impact of Relationship Quality on Online Adoption ijbiss
Relationships are strongly embedded in Indian culture due to its high-context nature. Because of this, the role of relationship marketing has been advanced in a variety of services viz., banking, retailing, telecom, etc and hence the competition amongst various service providers has increased. Traditionally, relationship management used to be personal interaction based phenomenon but with IT as an enabler for online channels, the need for creating and growing relationships have transpired in a big way. With the advent of technological changes in the business environment, customers are seeking better alternatives to reduce the frequency of visiting the bank branch physically and are relying more on the virtual mode for transacting. Hence, banks and other service organizations are strongly focussing on the digital (online) channels for facilitating monetary transactions and hence gaining competitive advantage. In the virtual mode, the concept of relationships appears to be unrealistic due to the absence of human interface. However, significant studies have been conducted in this regard which focus on the influence of relationship quality factors viz., trust, commitment, satisfaction, etc. towards adopting the online channel for carrying out financial transactions. Relationship quality focuses on evaluating the strength of relationships, which affects customer loyalty. There exists a dearth of such significant studies in the Indian context. The present research will focus on bridging this gap in the literature. This paper will follow a causal research design for empirically analysing the impact of RQ factors towards adopting online mode for banking transactions. It will also investigate the future intentions of the customers toward using the online channels for carrying out financial transactions.
The development of the internet led to the use of information technology. The use of information technology not only to transform the services provided, but also to change the service delivery process. In connection with this condition raises the opportunity for retail transactions in the use of online shopping. The purpose of research to determine the effect of E-Service Quality, Price Perception to Repurchase Intention mediated by Customer Satisfaction, Customer Loyalty and Experiential Marketing on On-line shopping. The number of samples taken as many as 496 respondents. Respondents who were taken with the provisions ever shop by using online shopping. Sampling method by using random sampling. Data were analyzed by using Structural Equation Modeling (SEM). The results showed the largest influence is satisfaction to consumers loyalty, compared to the other variables. There is e-service quality, experiential marketing, price perception have influence to customer satisfaction. In addition consumer satisfaction has influence to customer loyalty and customer loyalty has influence to repurchase intention. Hence customer satisfaction has influence to repurchase intention, and customer satisfaction has a direct or indirect influence to repurchase intention.
The document summarizes a research paper that analyzes the effect of perceived ease of use, trust, perceived speed, and risk on customer loyalty for users of the Shopee online marketplace app who use bank transfers. It finds that perceived ease of use and trust positively affect customer experience, while perceived speed and risk negatively affect it. Customer experience then positively impacts customer loyalty. The study uses a survey of 400 Shopee app users in Indonesia and analyzes the data using structural equation modeling. It contributes to understanding the factors that influence customer loyalty in the context of online payment methods.
Self-service technology, service quality, and relationship quality can influence customer loyalty to digital banking services. The study examined these factors' impact on e-loyalty of corporate customers using Bank Mandiri's cash management services. A survey of 115 corporate customers was conducted, and data was analyzed using structural equation modeling. The findings showed that service quality positively influences both relationship quality and e-loyalty. Relationship quality was also found to positively impact e-loyalty. The study aims to provide a comprehensive model of how these factors relate and influence online customer loyalty in the banking sector.
This document is a thesis written by Mirah Javed titled "Internet banking service quality and its implication on e-customer satisfaction and e-customer loyalty in Pakistan". It contains an introduction that defines key concepts like customer loyalty, customer satisfaction, service quality, and trust in the context of e-banking. It then reviews relevant literature and develops hypotheses about relationships between internet banking service quality, customer satisfaction, customer loyalty, and trust. It describes the methodology used to collect data through questionnaires. The document aims to understand how internet banking service quality impacts customer satisfaction and loyalty in Pakistan.
The Influence of Innovation, Service Quality and People on Service Visitor Sa...AJHSSR Journal
ABSTRACT: This study aims to determine and analyze the effect of innovation, service quality and people on
official visitor satisfaction at the Banyuwangi Regional Government Lounge. The population in this study were
official guests who visited the loune of the Banyuwangi Regency Government, amounting to 6,923 people.
Determination of the number of samples using the Slovin formula so as to obtain the number of respondents as
many as 100 visitors. To measure the measuring instrument in the form of a questionnaire, the validity test and
data reliability test were used. Research data were analyzed using SEM with Warp-PLS. The results of the tests
carried out in the study showed that the innovation variable had a significant effect on visitor satisfaction. The
service quality variable has a significant effect on visitor satisfaction. The people variable has a significant
effect on visitor satisfaction at the Banyuwangi Regional Government Lounge.
KEYWORDS: innovation; service quality; people; visitor satisfaction; Lounge.
This document summarizes a research study that examined the influence of self-service technology service quality, e-satisfaction, and e-trust on e-loyalty. The study used a questionnaire to collect data from 200 bank customers in Indonesia. Structural equation modeling was used to analyze the data. The results found that high quality self-service technology increases customer e-satisfaction and e-loyalty. Good self-service technology also increases customer e-trust. High levels of e-satisfaction and e-trust, in turn, increase customer e-loyalty. Thus, self-service technology quality positively impacts e-satisfaction, e-trust and e-loyalty.
The aim of this study is to analyze the quality of Internet banking services consisting of
Efficiency, System Availability, Fulfillment, Privacy, Responsiveness, Compensation and Contact with positive
and significant effects partially and simultaneously towards the Customer Satisfaction at Bank in Bandung. The
research method used is associative descriptive method with data collection techniques through questionnaires.
The results showed that the quality of Internet banking services consisting of Efficiency, System Availability,
Fulfillment, Privacy, Responsiveness, Compensation and Contact had a positive and significant effect on
customer satisfaction at Bank in Bandung
Assessing the Impact of Relationship Quality on Online Adoption ijbiss
Relationships are strongly embedded in Indian culture due to its high-context nature. Because of this, the role of relationship marketing has been advanced in a variety of services viz., banking, retailing, telecom, etc and hence the competition amongst various service providers has increased. Traditionally, relationship management used to be personal interaction based phenomenon but with IT as an enabler for online channels, the need for creating and growing relationships have transpired in a big way. With the advent of technological changes in the business environment, customers are seeking better alternatives to reduce the frequency of visiting the bank branch physically and are relying more on the virtual mode for transacting. Hence, banks and other service organizations are strongly focussing on the digital (online) channels for facilitating monetary transactions and hence gaining competitive advantage. In the virtual mode, the concept of relationships appears to be unrealistic due to the absence of human interface. However, significant studies have been conducted in this regard which focus on the influence of relationship quality factors viz., trust, commitment, satisfaction, etc. towards adopting the online channel for carrying out financial transactions. Relationship quality focuses on evaluating the strength of relationships, which affects customer loyalty. There exists a dearth of such significant studies in the Indian context. The present research will focus on bridging this gap in the literature. This paper will follow a causal research design for empirically analysing the impact of RQ factors towards adopting online mode for banking transactions. It will also investigate the future intentions of the customers toward using the online channels for carrying out financial transactions.
The development of the internet led to the use of information technology. The use of information technology not only to transform the services provided, but also to change the service delivery process. In connection with this condition raises the opportunity for retail transactions in the use of online shopping. The purpose of research to determine the effect of E-Service Quality, Price Perception to Repurchase Intention mediated by Customer Satisfaction, Customer Loyalty and Experiential Marketing on On-line shopping. The number of samples taken as many as 496 respondents. Respondents who were taken with the provisions ever shop by using online shopping. Sampling method by using random sampling. Data were analyzed by using Structural Equation Modeling (SEM). The results showed the largest influence is satisfaction to consumers loyalty, compared to the other variables. There is e-service quality, experiential marketing, price perception have influence to customer satisfaction. In addition consumer satisfaction has influence to customer loyalty and customer loyalty has influence to repurchase intention. Hence customer satisfaction has influence to repurchase intention, and customer satisfaction has a direct or indirect influence to repurchase intention.
The document summarizes a research paper that analyzes the effect of perceived ease of use, trust, perceived speed, and risk on customer loyalty for users of the Shopee online marketplace app who use bank transfers. It finds that perceived ease of use and trust positively affect customer experience, while perceived speed and risk negatively affect it. Customer experience then positively impacts customer loyalty. The study uses a survey of 400 Shopee app users in Indonesia and analyzes the data using structural equation modeling. It contributes to understanding the factors that influence customer loyalty in the context of online payment methods.
American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
This document discusses a study on how perceived usefulness, perceived value, and trust influence customers' intentions to use mobile banking applications in Indonesia. It begins with an introduction on the growth of financial technology and mobile banking services in Indonesia. It then reviews previous literature that found perceived usefulness and ease of use most influence mobile banking adoption, and identifies a research gap in needing more empirical studies on how the variables of perceived usefulness, perceived value, trust, and intention to use are constructed and relate to each other. The document proposes to empirically study how these factors influence Indonesian customers' intentions to use mobile banking applications.
This document summarizes a research study that examined the determinants of mobile banking adoption behavior in sub-urban areas of Indonesia. The study used the Unified Theory of Acceptance and Use of Technology (UTAUT) model to assess how performance expectancy, effort expectancy, trust, and facilitating conditions influence behavioral intention to use mobile banking. The researchers conducted a survey of 250 customers of BNI Syariah Purworejo bank. The findings showed that performance expectancy, effort expectancy, and trust had a positive effect on behavioral intention, while facilitating conditions and behavioral intention positively influenced the adoption of mobile banking. The document provides background on mobile banking and reviews relevant literature on technology adoption models and key constructs from UTAUT.
Evaluating and ranking the effective factors on the quality ofAlexander Decker
This document summarizes a study that evaluated and ranked the effective factors on the quality of electronic services provided by the post office in Markazi Province, Iran, based on the WEBQUAL model. The study surveyed 384 customers to assess 12 factors of online service quality. Results found that overall quality was favorable, but responsibility and innovativeness scored lowest. Design was the most important factor. The study provides recommendations to improve responsibility, innovativeness, and encourage customer engagement.
This document summarizes a study examining factors that influence customer satisfaction and trust in mobile commerce (m-commerce) transactions. The study surveyed 200 m-commerce customers. Results of the analysis show that customer satisfaction with vendors was significantly influenced by ease-of-use, responsiveness, and brand image. Customer trust in vendors was affected by responsiveness, brand image, and satisfaction. The study concludes that m-commerce providers should focus on these factors to provide more satisfaction and trust among customers. Understanding these factors enables providers to better develop trust with m-commerce customers.
This document provides a literature review on studies related to the role of technology in banking services. It summarizes 15 previous studies on topics like mobile banking adoption, factors influencing customer satisfaction, internet banking usage and security, and evaluations of various banks' online service quality. The studies were conducted in several countries and used various research methods like surveys, data analysis, and models. Overall, the literature review covers a range of past work examining the impact of technological developments on banking customer experiences and bank operations.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
This study examines the impact of e-banking service quality on customer loyalty through customer satisfaction during the COVID-19 pandemic. Specifically, it analyzes how the dimensions of e-banking service quality (reliability, privacy/security, website design, customer service) influence both customer satisfaction and loyalty. Data was collected through an online survey of 976 bank customers in Pakistan during lockdowns. The findings show that reliability and website design increased loyalty directly, while privacy/security's impact on loyalty was fully mediated by satisfaction. The impacts of reliability and website design on loyalty were partially mediated by satisfaction. This provides insights for banks on improving digital services and customer retention during pandemics.
6.[45 54]factors influencing online banking customer satisfaction and their i...Alexander Decker
This document summarizes a research study on factors influencing online banking customer satisfaction in India. The study investigated the major factors that affect customer satisfaction with online banking services and their relative importance. A literature review covered definitions of online banking and customer satisfaction. The study objectives were to investigate influencing factors on customer satisfaction and assess their significance. The methodology involved surveying 250 customers in Vadodara, India using a questionnaire. Data analysis identified 10 factors through factor analysis, including banking needs, core services, convenience, risk/privacy concerns, and factors leading to continued usage. Overall, most respondents reported satisfaction with their bank's online services.
6.[45 54]factors influencing online banking customer satisfaction and their i...Alexander Decker
This document summarizes a research study on factors influencing customer satisfaction with online banking in India. The study aims to investigate factors that affect customer satisfaction levels and assess their importance. 250 customers in Vadodara, India were surveyed. Through factor analysis, the key factors identified were: Banking Needs, Core Services, Convenience, Risk/Privacy Concerns, and Continued Usage. Most respondents reported being satisfied with their bank's online services, though around 30% were dissatisfied. The results help banks understand drivers of satisfaction to improve retention and expand their customer base.
11.factors influencing online banking customer satisfaction and their importa...Alexander Decker
This document summarizes a research study on factors influencing customer satisfaction with online banking in India. The study aims to investigate factors that affect customer satisfaction levels and assess their importance. 250 customers in Vadodara, India were surveyed. Through factor analysis, the key factors identified were: Banking Needs, Core Services, Convenience, Risk/Privacy Concerns, and Continued Use. Most respondents reported being satisfied with their bank's online services, though around 30% were dissatisfied. The results help banks understand drivers of satisfaction to improve retention and expand their customer base.
DIGITAL BANKING MADE TRANSACTION MORE TRUSTED AND SECURED?IAEME Publication
This research was conducted to find out customer's response in digital banking
era using TAM and UTAUT model. Questionnaires filled bank account owner who
have often used digital banking. Results based previous research most customers have
been able to adjust to the digital banking. There is short comings facilities in digital
banking i.e. small banks still use digital banking as window dressing to attract
customers, the front-page display is too confusing, often broken, security is not
guaranteed. Recommendations have been given to the bank's management, as input
for improvement in the future.
Effects of Satisfaction and Adoption on Online Bankingijtsrd
Despite the importance of online banking in many financial institutions, less research has focused on satisfaction and adoption, especially in Asia. Due to the introduction of technology, a new phenomenon in the banking sector of Mongolia, and many customers have not yet accepted it, this study was carried out to determine the factors affecting the adoption of online banking services by customers, as well as to examine the relationship between online banking services, satisfaction and adoption, the main tool for collecting data was a questionnaire that was developed on a 5 point Likert scale to be able to collect good quantitative data. In the course of the work, it was found that there was a positive relationship between online banking and satisfaction, which is consistent with the data obtained Al hawari and Ward, 2005 . In the work, it is recommended to pay more attention and focus efforts to individual clients. In addition, online banking service providers should look for indicators of innovative ways to raise awareness of the service through participation in trade organizations, exhibitions, and the introduction of new online banking technologies. Chuluudai Delgerzaya | Anar Badral | Yondon Badarch "Effects of Satisfaction and Adoption on Online Banking" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29715.pdf Paper URL: https://www.ijtsrd.com/management/management-development/29715/effects-of-satisfaction-and-adoption-on-online-banking/chuluudai-delgerzaya
The Role of Brand Trust Mediates the Effect of Perceived Risk and Brand Image...AJHSSR Journal
ABSTRACT:The development of information technology has changed the business strategy of the business
world including banking by placing information technology as the main element in the process of providing
services. Adoption of digital banking services is very much needed in the banking business due to increasing
digital access, banking business competition is getting tougher with Digital Banks and Fintech (financial
technology). Banking solutions make operational cost efficiencies and implement an integrated cashless society.
BRI's digital sector performance faces challenges from competing banks and rampant digital sector banking
crimes. This study aims to explain the role of brand trust in mediating the effect of perceived risk and brand
image on the intention to use BRI digital banking. The sampling method used is non-probability sampling. The
data collection technique was carried out by filling out a questionnaire. The analysis technique used in this study
is Partial Least Square (PLS). The results of the study show that perceived risk has a negative effect on brand
trust and intention to use digital banking services. This study also shows that brand image has a positive effect
on brand trust and intentions to use digital banking services. This study shows the role of brand trust in a
positive mediating effect of perceived risk and brand image on the intention to use digital banking services.
KEYWORDS : brand trust, perceived risk, brand image, intention to use digital banking
This 3 sentence summary provides the key details about the document:
The document discusses a study that evaluated e-service quality in banking from customers' perspectives. The study examined how dimensions of e-service quality like reliability, responsiveness, ease of use, personalization, security, and website design influence customers' perceptions of e-banking quality. The author developed measures for these quality dimensions based on prior research and analyzed the data collected from customer surveys to understand the impact of each dimension on perceived e-service quality.
Effect of Functional Service Quality on Customer Satisfaction and Image and t...inventionjournals
ABSTRACT: This study aim is to investigate the effect of functional service quality on customer satisfaction and corporate image as well as its impact on loyalty intention. The study is conducted on all hotels in Malang City and Batu City. The sample used is the consumer in 11 three-star hotel in Malang City and Batu City with total samples used are312respondents. Data is collected by questionnaire. Data analysis is performed using Structural Equation Model (SEM) with GESCA as analysis tools. Research findings show that Functional Service Quality significant has significant effect on customer satisfaction and corporate image. Functional Service Quality also has significantly effect the loyal intentions. Corporate image significantly affect on customer satisfaction and loyal intentions. Customer satisfaction affect insignificantly on loyal intentions.
This study examined customers' usage of digital banking in Gobichettipalayam, Erode District, Tamil Nadu. A survey was conducted of 100 banking customers to understand their perceptions and factors influencing adoption of digital banking. Results showed that income, education, and age significantly impacted digital banking usage. Customers were motivated by the convenience of 24/7 access, time savings, and ease of use. However, some concerns around security of personal information and safe transactions remained. Overall, customers seemed to be adapting to digital banking despite challenges, with convenience factors being key drivers of popularity and satisfaction.
This document analyzes a survey of 400 customers in 4 cities in Punjab, India about their perceptions of bancassurance (buying insurance through banks). It finds that after insurance agents, banks are the most preferred way to purchase insurance due to banks' commitment, cost effectiveness, and return on investment. Customers are satisfied with benefits like updated policy information and ease of payments and claims. Most customers said they would purchase future insurance policies through bancassurance if partnerships improve service quality by understanding customer needs.
STUDY ON THE DEVELOPMENT STRATEGY OF HUZHOU TOURISMAJHSSR Journal
ABSTRACT: Huzhou has rich tourism resources, as early as a considerable development since the reform and
opening up, especially in recent years, Huzhou tourism has ushered in a new period of development
opportunities. At present, Huzhou tourism has become one of the most characteristic tourist cities on the East
China tourism line. With the development of Huzhou City, the tourism industry has been further improved, and
the tourism degree of the whole city has further increased the transformation and upgrading of the tourism
industry. However, the development of tourism in Huzhou City still lags far behind the tourism development of
major cities in East China. This round of research mainly analyzes the current development of tourism in
Huzhou City, on the basis of analyzing the specific situation, pointed out that the current development of
Huzhou tourism problems, and then analyzes these problems one by one, and put forward some specific
solutions, so as to promote the further rapid development of tourism in Huzhou City.
KEYWORDS:Huzhou; Travel; Development
Enhancing Losari Beach Exploration: Augmented Reality for Immersive Visualiza...AJHSSR Journal
ABSTRACT: South Sulawesi, commonly known as Makassar, boasts rich cultural heritage and customs,
making it a prominent destination for tourism. Among its attractions, Losari beach stands out as a focal point for
visitors seeking to explore the city's natural beauty and cultural offerings. In this context, leveraging modern
technology such as augmented reality presents an innovative approach to showcasing Losari beach to potential
tourists. This research endeavors to introduce tourism assets in a more visually captivating manner through the
use of augmented reality. Utilizing software tools like Unity and Adobe Illustrator, the study focuses on creating
an immersive experience where tourists can interact with virtual representations of Losari beach. By simply
pointing their mobile phone cameras at designated markers or using barcode scanners, tourists can access
augmented reality features embedded within the application. The findings of this research aim to provide
valuable information, particularly for foreign tourists, about Losari beach, positioning it as a compelling
destination within South Sulawesi's diverse array of tourist attractions. Through this technological innovation,
the study seeks to enhance the visibility and appeal of Makassar city's tourism offerings on a global scale.
KEYWORDS: Visualizing, Losari Beach, Augmented Reality
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American Journal of Multidisciplinary Research and Development is indexed, refereed and peer-reviewed journal, which is designed to publish research articles.
This document discusses a study on how perceived usefulness, perceived value, and trust influence customers' intentions to use mobile banking applications in Indonesia. It begins with an introduction on the growth of financial technology and mobile banking services in Indonesia. It then reviews previous literature that found perceived usefulness and ease of use most influence mobile banking adoption, and identifies a research gap in needing more empirical studies on how the variables of perceived usefulness, perceived value, trust, and intention to use are constructed and relate to each other. The document proposes to empirically study how these factors influence Indonesian customers' intentions to use mobile banking applications.
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This document summarizes a study examining factors that influence customer satisfaction and trust in mobile commerce (m-commerce) transactions. The study surveyed 200 m-commerce customers. Results of the analysis show that customer satisfaction with vendors was significantly influenced by ease-of-use, responsiveness, and brand image. Customer trust in vendors was affected by responsiveness, brand image, and satisfaction. The study concludes that m-commerce providers should focus on these factors to provide more satisfaction and trust among customers. Understanding these factors enables providers to better develop trust with m-commerce customers.
This document provides a literature review on studies related to the role of technology in banking services. It summarizes 15 previous studies on topics like mobile banking adoption, factors influencing customer satisfaction, internet banking usage and security, and evaluations of various banks' online service quality. The studies were conducted in several countries and used various research methods like surveys, data analysis, and models. Overall, the literature review covers a range of past work examining the impact of technological developments on banking customer experiences and bank operations.
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
This study examines the impact of e-banking service quality on customer loyalty through customer satisfaction during the COVID-19 pandemic. Specifically, it analyzes how the dimensions of e-banking service quality (reliability, privacy/security, website design, customer service) influence both customer satisfaction and loyalty. Data was collected through an online survey of 976 bank customers in Pakistan during lockdowns. The findings show that reliability and website design increased loyalty directly, while privacy/security's impact on loyalty was fully mediated by satisfaction. The impacts of reliability and website design on loyalty were partially mediated by satisfaction. This provides insights for banks on improving digital services and customer retention during pandemics.
6.[45 54]factors influencing online banking customer satisfaction and their i...Alexander Decker
This document summarizes a research study on factors influencing online banking customer satisfaction in India. The study investigated the major factors that affect customer satisfaction with online banking services and their relative importance. A literature review covered definitions of online banking and customer satisfaction. The study objectives were to investigate influencing factors on customer satisfaction and assess their significance. The methodology involved surveying 250 customers in Vadodara, India using a questionnaire. Data analysis identified 10 factors through factor analysis, including banking needs, core services, convenience, risk/privacy concerns, and factors leading to continued usage. Overall, most respondents reported satisfaction with their bank's online services.
6.[45 54]factors influencing online banking customer satisfaction and their i...Alexander Decker
This document summarizes a research study on factors influencing customer satisfaction with online banking in India. The study aims to investigate factors that affect customer satisfaction levels and assess their importance. 250 customers in Vadodara, India were surveyed. Through factor analysis, the key factors identified were: Banking Needs, Core Services, Convenience, Risk/Privacy Concerns, and Continued Usage. Most respondents reported being satisfied with their bank's online services, though around 30% were dissatisfied. The results help banks understand drivers of satisfaction to improve retention and expand their customer base.
11.factors influencing online banking customer satisfaction and their importa...Alexander Decker
This document summarizes a research study on factors influencing customer satisfaction with online banking in India. The study aims to investigate factors that affect customer satisfaction levels and assess their importance. 250 customers in Vadodara, India were surveyed. Through factor analysis, the key factors identified were: Banking Needs, Core Services, Convenience, Risk/Privacy Concerns, and Continued Use. Most respondents reported being satisfied with their bank's online services, though around 30% were dissatisfied. The results help banks understand drivers of satisfaction to improve retention and expand their customer base.
DIGITAL BANKING MADE TRANSACTION MORE TRUSTED AND SECURED?IAEME Publication
This research was conducted to find out customer's response in digital banking
era using TAM and UTAUT model. Questionnaires filled bank account owner who
have often used digital banking. Results based previous research most customers have
been able to adjust to the digital banking. There is short comings facilities in digital
banking i.e. small banks still use digital banking as window dressing to attract
customers, the front-page display is too confusing, often broken, security is not
guaranteed. Recommendations have been given to the bank's management, as input
for improvement in the future.
Effects of Satisfaction and Adoption on Online Bankingijtsrd
Despite the importance of online banking in many financial institutions, less research has focused on satisfaction and adoption, especially in Asia. Due to the introduction of technology, a new phenomenon in the banking sector of Mongolia, and many customers have not yet accepted it, this study was carried out to determine the factors affecting the adoption of online banking services by customers, as well as to examine the relationship between online banking services, satisfaction and adoption, the main tool for collecting data was a questionnaire that was developed on a 5 point Likert scale to be able to collect good quantitative data. In the course of the work, it was found that there was a positive relationship between online banking and satisfaction, which is consistent with the data obtained Al hawari and Ward, 2005 . In the work, it is recommended to pay more attention and focus efforts to individual clients. In addition, online banking service providers should look for indicators of innovative ways to raise awareness of the service through participation in trade organizations, exhibitions, and the introduction of new online banking technologies. Chuluudai Delgerzaya | Anar Badral | Yondon Badarch "Effects of Satisfaction and Adoption on Online Banking" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29715.pdf Paper URL: https://www.ijtsrd.com/management/management-development/29715/effects-of-satisfaction-and-adoption-on-online-banking/chuluudai-delgerzaya
The Role of Brand Trust Mediates the Effect of Perceived Risk and Brand Image...AJHSSR Journal
ABSTRACT:The development of information technology has changed the business strategy of the business
world including banking by placing information technology as the main element in the process of providing
services. Adoption of digital banking services is very much needed in the banking business due to increasing
digital access, banking business competition is getting tougher with Digital Banks and Fintech (financial
technology). Banking solutions make operational cost efficiencies and implement an integrated cashless society.
BRI's digital sector performance faces challenges from competing banks and rampant digital sector banking
crimes. This study aims to explain the role of brand trust in mediating the effect of perceived risk and brand
image on the intention to use BRI digital banking. The sampling method used is non-probability sampling. The
data collection technique was carried out by filling out a questionnaire. The analysis technique used in this study
is Partial Least Square (PLS). The results of the study show that perceived risk has a negative effect on brand
trust and intention to use digital banking services. This study also shows that brand image has a positive effect
on brand trust and intentions to use digital banking services. This study shows the role of brand trust in a
positive mediating effect of perceived risk and brand image on the intention to use digital banking services.
KEYWORDS : brand trust, perceived risk, brand image, intention to use digital banking
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The document discusses a study that evaluated e-service quality in banking from customers' perspectives. The study examined how dimensions of e-service quality like reliability, responsiveness, ease of use, personalization, security, and website design influence customers' perceptions of e-banking quality. The author developed measures for these quality dimensions based on prior research and analyzed the data collected from customer surveys to understand the impact of each dimension on perceived e-service quality.
Effect of Functional Service Quality on Customer Satisfaction and Image and t...inventionjournals
ABSTRACT: This study aim is to investigate the effect of functional service quality on customer satisfaction and corporate image as well as its impact on loyalty intention. The study is conducted on all hotels in Malang City and Batu City. The sample used is the consumer in 11 three-star hotel in Malang City and Batu City with total samples used are312respondents. Data is collected by questionnaire. Data analysis is performed using Structural Equation Model (SEM) with GESCA as analysis tools. Research findings show that Functional Service Quality significant has significant effect on customer satisfaction and corporate image. Functional Service Quality also has significantly effect the loyal intentions. Corporate image significantly affect on customer satisfaction and loyal intentions. Customer satisfaction affect insignificantly on loyal intentions.
This study examined customers' usage of digital banking in Gobichettipalayam, Erode District, Tamil Nadu. A survey was conducted of 100 banking customers to understand their perceptions and factors influencing adoption of digital banking. Results showed that income, education, and age significantly impacted digital banking usage. Customers were motivated by the convenience of 24/7 access, time savings, and ease of use. However, some concerns around security of personal information and safe transactions remained. Overall, customers seemed to be adapting to digital banking despite challenges, with convenience factors being key drivers of popularity and satisfaction.
This document analyzes a survey of 400 customers in 4 cities in Punjab, India about their perceptions of bancassurance (buying insurance through banks). It finds that after insurance agents, banks are the most preferred way to purchase insurance due to banks' commitment, cost effectiveness, and return on investment. Customers are satisfied with benefits like updated policy information and ease of payments and claims. Most customers said they would purchase future insurance policies through bancassurance if partnerships improve service quality by understanding customer needs.
Similar to The Role Of E-Satisfaction In Mediating The Effect Of EServqual And E-Trust On E-Loyalty On BRI M-Banking Application Users (20)
STUDY ON THE DEVELOPMENT STRATEGY OF HUZHOU TOURISMAJHSSR Journal
ABSTRACT: Huzhou has rich tourism resources, as early as a considerable development since the reform and
opening up, especially in recent years, Huzhou tourism has ushered in a new period of development
opportunities. At present, Huzhou tourism has become one of the most characteristic tourist cities on the East
China tourism line. With the development of Huzhou City, the tourism industry has been further improved, and
the tourism degree of the whole city has further increased the transformation and upgrading of the tourism
industry. However, the development of tourism in Huzhou City still lags far behind the tourism development of
major cities in East China. This round of research mainly analyzes the current development of tourism in
Huzhou City, on the basis of analyzing the specific situation, pointed out that the current development of
Huzhou tourism problems, and then analyzes these problems one by one, and put forward some specific
solutions, so as to promote the further rapid development of tourism in Huzhou City.
KEYWORDS:Huzhou; Travel; Development
Enhancing Losari Beach Exploration: Augmented Reality for Immersive Visualiza...AJHSSR Journal
ABSTRACT: South Sulawesi, commonly known as Makassar, boasts rich cultural heritage and customs,
making it a prominent destination for tourism. Among its attractions, Losari beach stands out as a focal point for
visitors seeking to explore the city's natural beauty and cultural offerings. In this context, leveraging modern
technology such as augmented reality presents an innovative approach to showcasing Losari beach to potential
tourists. This research endeavors to introduce tourism assets in a more visually captivating manner through the
use of augmented reality. Utilizing software tools like Unity and Adobe Illustrator, the study focuses on creating
an immersive experience where tourists can interact with virtual representations of Losari beach. By simply
pointing their mobile phone cameras at designated markers or using barcode scanners, tourists can access
augmented reality features embedded within the application. The findings of this research aim to provide
valuable information, particularly for foreign tourists, about Losari beach, positioning it as a compelling
destination within South Sulawesi's diverse array of tourist attractions. Through this technological innovation,
the study seeks to enhance the visibility and appeal of Makassar city's tourism offerings on a global scale.
KEYWORDS: Visualizing, Losari Beach, Augmented Reality
DEVELOPMENT STATUS AND COUNTERMEASURES OF TMALL DURING THE COVID-19 EPIDEMICAJHSSR Journal
ABSTRACT:China's e-commerce enterprises have developed rapidly, among which Tmall has become one of
the largest retail shopping websites in China.But in the past year, the Covid-19 epidemic has brought a huge
impact to Chinese e-commerce enterprises, and Tmall is no exception.Therefore, the development status of
Tmall in the new crown epidemic situation was analyzed, and the viewpoint was put forward :Tmall1 stabilized
the situation in the face of the epidemic situation and made a very correct countermeasures.The influence of this
epidemic on Tmall was deeply analyzed, and the conclusion was made: the new crown epidemic is both a
challenge and an opportunity forTmall.
KEYWORDS:Tmall; COVID - 19 outbreak ; The electronic commerce
Factors affecting undergraduate students’ motivation at a university in Tra VinhAJHSSR Journal
ABSTRACT: Motivation plays an important role in foreign language learning process. This study aimed to
investigate student’s motivation patterns towards English language learning at a University in Tra Vinh, and factors
affecting their motivation change toward English language learning of non-English-major students in the semester.
The researcher used semi-structured interview at the first phase of choosing the participants and writing reflection
through the instrument called “My English Learning Motivation History” adapted from Sawyer (2007) to collect
qualitative data within 15 weeks. The participants consisted of nine first year non-English-major students who learning
General English at pre-intermediate level. They were chosen and divided into three groups of three members each
(high motivation group; average motivation group; and low motivation group). The results of the present study
identified six visual motivation patterns of three groups of students with different motivation fluctuation, through the
use of cluster analysis. The study also indicated a diversity of factors affecting students’ motivation involving internal
factors as influencing factors (cognitive, psychology, and emotion) and external factors as social factors (instructor,
peers, family, and learning environment) during English language learning in a period of 15 weeks. The findings of
the study helped teacher understand relationship of motivation change and its influential factors. Furthermore, the
findings also inspired next research about motivation development in learning English process.
KEY WORDS: language learning motivation, motivation change, motivation patterns, influential factors, students’
motivation.
The Impact of Work Stress and Digital Literacy on Employee Performance at PT ...AJHSSR Journal
ABSTRACT :This research aims to analyze the correlation between employee work stress and digital literacy
with employee performance at PT Telkom Akses Area Cirebon, both concurrently and partially. Employing a
quantitative approach, the study's objectives are descriptive and causal, adopting a positivist paradigm with a
deductive approach to theory development and a survey research strategy. Findings reveal that work stress
negatively and significantly impacts employee performance, while digital literacy positively and significantly
affects it. Simultaneously, work stress and digital literacy have a positive and significant influence on employee
performance. It is anticipated that company management will devise workload management strategies to
alleviate work stress and assess the implementation of more efficient digital technology to enhance employee
performance.
KEYWORDS -digital literacy, employee performance,job stress, multiple regression analysis, workload
management
The Settlement of Construction Disputes Through Dispute Councils From the Per...AJHSSR Journal
ABSTRACT:This research differs from the practice of business activity in the construction services industry,
which may lead to construction disputes. The settlement of construction disputes is a consensus based on the
basic principle of debate. If the discussions between the parties do not reach an agreement, the parties may take
measures to resolve the dispute through the dispute council. Because the standard governing the disputes
committee was not fully regulated, they did not comply with the principle of legal certainty. Therefore, further
research was needed to establish a theoretical basis for regulating the disputes committee in settling construction
disputes. This research is a standard legal research using a legal regulatory, conceptual, and comparative
approach. The research results show that the ideal concept of resolving construction disputes through a dispute
council based on the value of legal certainty is to establish that the position of the dispute council is a special
court that has the authority to resolve construction disputes under construction services agreements. To realize
the position of the Court of Disputation as a special court, it must be based on the creation of philosophical
values, the creationof legislative regulations, and the creation of the institutional structure of the Court of
Disputation.
KEYWORDS-Construction Disputes, Dispute Council, Special Court
VALUES OF ORAL LITERATURE IN THE SOCIETY: A STUDY OF FOLKTALES OFOGBA IN RIVE...AJHSSR Journal
ABSTRACT : Oral literature is a creative work of art that portends high merit and has the creative use of
imagination in preliterate societies. It adopts the genres of literature: drama, prose and poetry in the oral milieu,
using performance as its hallmark. It thrives on the use of oral data because of its orality. This paper focuses on
the moral values or oral literature in the society using Ogba as a spring board. The study was carried out in
communities ofOgba. The population of the study consists of ten towns and village, in Ogba. The theoretical
framework used is Dell Hyme’s ethno-poetics because the works of oral literature relate to the society. This
paper concludes that oral literature serves to against all odds; communicate ideas, emotions, beliefs and
appreciation of life. The folktales in Ogba for instance, serve similar purpose through their
rendition/performance. Through the stories, the younger generation in Ogba society is familiarised with the
customs, traditions, and rituals prevalent in the society. This paper therefore recommends the use of oral
literature in all its genres to inculcate moral values and lessons to the teenagers and youths. Against this
background, Ogba (African) themselves must cease to regard oral literature as primitive and fetish.
KEYWORDS: Values, Oral Literature, Society, Ogba, Folktales
Pormalistikong Pagdalumat sa mga Tula ni Ron CanimoAJHSSR Journal
ABSTRACT: Nilayon ng pag-aaral na ito na masuri ang dalawampung (20) tula ni Ron Canimo gamit ang
pormalistikong dulog batay sa mga sumusunod na elemento: (a) Sukat at Tugma, (b) Talinghaga at
Simbolismo, (c) Imahen, (d) Tema, at (e) Diksiyon. Layunin din nitong mataya ang antas ng pagtanggap ng
ginawang pagsusuri gamit ang nabuong instrumento sa pagtataya nito. Sinunod dito ang Input-Process-Output
na balangkas ng pag-aaral at ginamitan ng kwantitatib-deskriptib-ebalwatib na pamamaraan. Sa pamamagitan
ng talatanungang ibinatay sa ginamit ni Morales (2014) na naimodipika ayon sa kahingian ng kasalukuyang
pag-aaral, tatlong (3) gurong eksperto ang nagsilbing tagataya dito na siyang tumiyak sa kahusayan ng nabuong
pagsusuri ng mananaliksik. Gamit ang Content Analysis, natuklasan na makabagong pamamaraan ang istilo na
ginamit ni Ron Canimo sa pagsulat ng mga tula. Lahat ng kanyang mga tula ay walang sinusunod na sukat at
tugma, may iba‟t ibang tayutay at simbolismong ginamit, magkaibang pandama ang pinagana dahil sa mga
imahe at paglalarawang ginawa, iba‟t ibang uri ng pag-ibig ang tinalakay at gumamit ng pormal, impormal o
kumbersasyonal na wika at makabagong istilo sa pagsulat ng tula. Gamit ang mean at standard deviation,
lumabas na “Mataas” ang antas ng pagtanggap sa kabuuan ng mga gurong eksperto na tumaya sa nabuong
pagsusuri. Lumabas din na “Mataas” ang antas ng kanilang pagtanggap sa nabuong pagsusuri batay sa mga
sumusunod na elemento: (a) Sukat at Tugma, (b) Talinghaga at Simbolismo, (c) Imahen, (d) Tema, at (e)
Diksiyon. Mula sa natayang pagsusuri at kinalabasan ng antas ng pagtanggap dito, naitala ang mga paksa sa
Junior High School Filipino na maaaring lapatan at gamitan ng nabuong pagsusuri.
KEYWORDS: Kumbensyunal, Pagdalumat, Pormalistiko, Ron Canimo, Tula
SCHOOL CULTURE ADAPTATION AMONG INDIGENOUS PEOPLES COLLEGE STUDENTS AT A PRIV...AJHSSR Journal
ABSTRACT: This qualitative study investigates the adaption experiences of indigenous college students at the
University of Mindanao, Matina-main campus. Eight major themes emerged, including difficulties with language
proficiency, online learning, classroom interaction, examination systems, grading procedures, school regulations,
resource accessibility, coping mechanisms, and future goals. Implications include the requirement for targeted
language proficiency and technology use support, an understanding of adaption processes, interventions to
improve resource accessibility, and equitable public administration policies. The study underlines the importance
of adaptation in various educational contexts, as well as the role of educators and legislators in creating inclusive
learning environments.
KEYWORDS: indigenous college students, adaptation, educational challenges, coping strategies
The effect of Institutional Ownership, Sales Growth and Profitability on Tax ...AJHSSR Journal
ABSTRACT: This research aims to test, analyze and obtain empirical evidence about the influence of
institutional ownership, sales growth and profitability on tax avoidance. The object of this research is
manufacturing companies in the consumer goods industry sector listed on the Indonesia Stock Exchange (BEI)
in 2018-2022. This research used quantitative research methods and causal research design. The sampling
technique in this research used non-probability sampling with purposive sampling as the basis for determining
the sample so that a sample of 55 samples was obtained. The data used is secondary data obtained from the
official website of the Indonesia Stock Exchange (BEI) during the 2018-2022 period. The data analysis method
used was multiple linear regression analysis with several tests such as descriptive statistical tests, classical
assumption tests, and hypothesis testing using SPSS version 26 statistical software. The results showed that the
institutional ownership variable has no effect on tax avoidance, while the sales growth and profitability has a
negative and significant effect on tax avoidance.
KEYWORDS: Institutional Ownership, Sales Growth, Profitability, Tax Avoidance
MGA ESTRATEHIYA SA PAGTUTURO KAUGNAY SA PASALITANG PARTISIPASYON NG MGA MAG-A...AJHSSR Journal
ABSTRAK: Ang mga estratehiya sa pagtuturo ay mahalagang kasangkapan sa paghahatid ng mabisang
pagtuturo sa loob ng silid. Tinukoy sa pag-aaral na ito ang antas ng kagustuhan ng mga mag-aaral sa pagsasadula,
pangkatang talakayan at paggawa ng mga koneksyon sa tunay na karanasan sa buhay bilang mga estratehiya sa
pagtuturo ng panitikan sa Filipino at pasalitang partisipasyon ng mga mag-aaral sa Baitang 7 ng Misamis
University Junior High School, Ozamiz City. Ang ginamit na disenyo sa pananaliksik na ito ay deskriptivcorrelational. Ang mga datos sa pag-aaral ay nagmula sa kabuuang populasyon na 120 na mag-aaral at tatlong
mga guro na tagamasid sa pasalitang partisipasyon ng mga mag-aaral. Ang Talatanungan sa Kagamitan sa
Pagtuturo ng Panitikan at Checklist batay sa Obserbasyon sa Pasalita na Partisipasyon ay ang instrumentong
ginamit sa pagkalap ng datos. Mean, standard deviation, Analysis of Variance at Pearson Product-Moment
Correlation Coefficient ang mga ginamit na estatistiko na sangkap. Inihayag sa naging resulta na ang tatlong piling
estratehiya sa pagtuturo ng panitikan sa Filipino ay may pinakamataas na antas ng kagustuhan ng mga mag-aaral.
Ang antas ng pakilahok ng mga mag-aaral sa paggamit ng tatlong estratehiya sa pagtuturo ng panitikan ay
pinakamataas na nagpapahiwatig na aktibong nakilahok ang mga mag-aaral sa mga gawain. Inihayag din na
walang makabuluhang kaibahan sa antas ng kagustuhan ng mga mag-aaral sa mga estratehiya sa pagtuturo ng
panitikan sa Filipino. Ito ay nangahulugan na gustong-gusto ng mga mag-aaral ang pagkakaroon ng mga
estratehiya sa pagtuturo. Walang makabuluhang kaugnayan ang kagustuhan sa mga estratehiya at antas ng
pakikilahok ng mga mag-aaral. Hindi nakaapekto sa kanilang pakikilahok ang anumang estratehiyang ginamit ng
guro.
KEYWORDS : estratehiya, karanasan, pagsasadula, pagtuturo, pangkatang talakayan
The Role of the Instruction of Reading Comprehension Strategies in Enhancing ...AJHSSR Journal
ABSTRACT :Throughout my studies and teaching English in different language centers and higher studies
institutions, I have come to conclude that students consider Reading comprehension as a nightmare that
frightens them and hinders their language acquisition in the Moroccan EFL Context. This may cause them to
develop an internal psychological obstacle that grows as their lack of the necessary instruments or tools to
overcome are not equipped with. They become lost and unaware about or unfamiliar with the necessary reading
comprehension strategies that could help them to face the problem of misunderstanding or non-understanding
of English texts. Respectively, this article which is only one part of my whole study aims at showing the effect
of teaching reading strategies in enhancing the S1 students‟ familiarity with reading strategies and raising their
frequency use. A sample of 283 University students in EFL context have been chosen randomly and have
attended the usual academic reading classes, yet only 76 are subject to this survey. 38 of them constitute the
experimental group who have attended the treatment regularly in one of the language centers and the other 38
participants are chosen randomly from the whole population to constitute the Control group. They all have
Psychosocial Factors and Deviant Behaviors of Children in Conflict with the L...AJHSSR Journal
ABSTRACT:This study aims to determine the relationship between psychosocialfactors and deviant
behaviors among children in conflict with the law (CICL) inDavao Region. The researchers want to discover the
prevalent factors thatdrive these children to their behaviors. Further, the study sought to determinethe
manifestation of psychosocial factors in terms of life satisfaction, emotionalsupport, self-esteem, and personality
traits. The study's data came from N-83children in conflict with the law (CICL) at the Regional Rehabilitation
Center forYouth (RRCY) in Bago Oshiro, Davao City; all respondents are male. This studyused a total
enumeration sampling technique due to the relatively smallpopulation size. The researchers adapted the
Psychosocial surveyquestionnaires by Zabriskie & Ward (2013) and by John and Srivastava (1999)as well as the
Deviant Behavior Variety Scale (DBVS) by Sanches et al. (2016).Through the use of a validated questionnaire,
the mean and standard deviationare determined. The researchers modified this questionnaire and translated itinto
the respondents' mother tongue (Cebuano) for them to comprehend itbetter. The study discovered no significant
relationship between psychosocialfactors and deviant behaviors of children in conflict with the law (CICL) in
theDavao Region
KEYWORDS :Children in Conflict with the Law (CICL), deviant behaviors, psychosocial factors
Entropy: A Join between Science and Mind-SocietyAJHSSR Journal
ABSTRACT: Entropy is join, intersection and interaction between natural science and human mind-society.
We proposed that if internal interactions exist in isolated systems, entropy decrease will be possible for this
system. Management in system is a typical internal interaction within the isolated system. The purpose of
management is to use regulating the internal interactions within the system, and to decrease the increasing
entropy spontaneously. We propose the principle of social civilization and the developing direction is: freedom
of thought, rule of action. Both combinations should be a peaceful revision and improvement of social rules and
laws. Different countries and nations, different religions and beliefs should coexist peacefully and compete
peacefully. The evolution of human society must be coevolution. Its foundation is the evolution of the human
heart and the human nature.
KEYWORDS: entropy, science, society, management, mind, evolution.
A Model of Disaster Resilience Among Colleges and Universities: A Mixed Metho...AJHSSR Journal
ABSTRACT :This research paper aimed to create a comprehensive framework for measuring disaster
resilience in colleges and universities. The study used a mixed method through Exploratory Factor Analysis
(EFA), which involved analyzing data from a survey questionnaire. The questionnaire was developed based on
in-depth interviews with 12 selected participants from the University of Mindanao, as well as relevant literature
and studies. It was reviewed and validated by 10 experts using a method called Content Validity Ratio (CVR).
This questionnaire was then administered to 400 students from 10 different colleges in University of Mindanao.
After conducting the Exploratory Factor Analysis and performing rotations and iterations, the researchers
identified five main constructs that characterize disaster resilience among colleges (1) disaster preparedness, (2)
disaster awareness, (3) community readiness, and (4) disaster management, (5) disaster resilience. The
researchers aimed to create an organization called “Council of College Disaster Volunteers (CCDV)” which
consist of student volunteers. These factors can be used to develop effective management strategies and
strengthen efforts in preventing and managing disasters and accidents.
KEYWORDS:content validity ratio, criminology, disaster resilience, disaster management, exploratory factor
analysis, and Philippines.
Environmental Struggles and Justice Among Lumad Farmers of Davao CityAJHSSR Journal
ABSTRACT : The study described the various environmental struggles experienced among the participants
and their status in accessing justice. The study followed a qualitative multiple-case study approach; the
participants are the Lumad farmers of Marilog, Davao City selected through a Critical sampling method and
aims to present the environmental violations experienced by the Lumad farmers in Davao City and how it
affected their families and sustenance further, their status in accessing justice is also explored. The study
concluded that the most common struggles the participant experience are Illegal logging and improper waste
disposal, which affect their farms, family, health, and income. Their preferred means to accessing justice is
through barangay settlement; the rigors of accessing courts, such as distance, expenses, fear of ruling, and the
hassle of being called to be present in court, are the most prevalent barriers that hinder the lead farmers from
accessing justice or seeking legal action. Nevertheless, the participants believed that the government would help
them in accessing justice.
KEYWORDS :access to justice, criminology,environmental justice, environmental struggles, lumadfarmers
CYBERBULLYING EXPERIENCES OF UNIVERSITY OF MINDANAO CRIMINOLOGY STUDENTSAJHSSR Journal
ABSTRACT:This paper explores the cyberbullying experiences among Criminology students at the
University of Mindanao. A simple random sampling method was used to distribute the study's online
questionnaire to the respondents and to survey the target population. This study has four hundred (400)
respondents, and the respondents are Criminology students at the University of Mindanao. The findings of this
study revealed that the level of cyberbullying experiences is sometimes manifested. On the other hand, the
cyberbullying experiences of the students indicate a moderate level, which indicates that the cyberbullying
experiences of the respondents are sometimes manifested. Also, the computations showed that among the
indicators presented, the highest mean is obtained in the psychological effect, which implies that there is a
significant effect of cyberbullying experiences of the respondents in terms of the Gender level of the
respondents. Therefore, respondents with a low level of cyberbullying experiences tend to have a moderate level
of cyberbullying experience. However, there is no significant effect in terms of age and year level of the
respondents according to the results regarding the psychological, emotional, and physical impact of
cyberbullying.
KEYWORDS :cyberbullying, emotional, experiences, psychological,physical effect, and simple random
sampling method.
A philosophical ontogenetic standpoint on superego role in human mind formationAJHSSR Journal
ABSTRACT: One of the most significant contributions of psychoanalysis to understand the human being is the
elaboration of a model about the mind from a topical and dynamic perspective. Freud explains the mind by the
constitution of the preconscious, conscious, and subconscious. Later, by three dynamic components: the id, the
ego and the superego. Such an organization of the psychic apparatus supposes not only individual elements, but
social influences along the process of hominization. In this paper, we recover the findings of the renowned
anthropologist Lewis Morgan, trying to link some of them to the psychoanalytic theory. Especially highlighting
the importance of superego in Haidt’s social intuitionism.
Keywords: evolutionism, intuitionism, psychoanalysis, Freud, Haidt, Morgan
Improving Workplace Safety Performance in Malaysian SMEs: The Role of Safety ...AJHSSR Journal
ABSTRACT: In the Malaysian context, small and medium enterprises (SMEs) experience a significant
burden of workplace accidents. A consensus among scholars attributes a substantial portion of these incidents to
human factors, particularly unsafe behaviors. This study, conducted in Malaysia's northern region, specifically
targeted Safety and Health/Human Resource professionals within the manufacturing sector of SMEs. We
gathered a robust dataset comprising 107 responses through a meticulously designed self-administered
questionnaire. Employing advanced partial least squares-structural equation modeling (PLS-SEM) techniques
with SmartPLS 3.2.9, we rigorously analyzed the data to scrutinize the intricate relationship between safety
behavior and safety performance. The research findings unequivocally underscore the palpable and
consequential impact of safety behavior variables, namely safety compliance and safety participation, on
improving safety performance indicators such as accidents, injuries, and property damages. These results
strongly validate research hypotheses. Consequently, this study highlights the pivotal significance of cultivating
safety behavior among employees, particularly in resource-constrained SME settings, as an essential step toward
enhancing workplace safety performance.
KEYWORDS :Safety compliance, safety participation, safety performance, SME
Psychological Empowerment and Empathy as Correlates of ForgivenessAJHSSR Journal
ABSTRACT: The study explores Psychological Empowerment and Empathy as Correlates of Forgiveness.
The two variables are regarded to have influence on the decision one makes to forgive another. The study aimed
at examining the relationships between psychological empowerment and forgiveness, empathy and forgiveness
and to identify which one of the two,Psychological Empowerment or Empathy, is the more powerful predictor of
forgiveness. The study took a survey design with a sample of 350 drawn from a population of university students
using a self-administered questionnaire with four sections: Personal information, Psychological empowerment
scale, Toronto Empathy questionnaire, and the Heartland Forgiveness Scale (HFS). Data analysis employed
Pearson’s product moment correlation and regression analysis to test hypotheses. The results show significant
relationships between psychological empowerment and forgiveness as well as empathy and forgiveness.
Empathy was found to be the more powerful predictor of forgiveness.
KEY WORDS: Psychological empowerment, empathy, forgiveness
This tutorial presentation offers a beginner-friendly guide to using THREADS, Instagram's messaging app. It covers the basics of account setup, privacy settings, and explores the core features such as close friends lists, photo and video sharing, creative tools, and status updates. With practical tips and instructions, this tutorial will empower you to use THREADS effectively and stay connected with your close friends on Instagram in a private and engaging way.
UR BHatti Academy dedicated to providing the finest IT courses training in the world. Under the guidance of experienced trainer Usman Rasheed Bhatti, we have established ourselves as a professional online training firm offering unparalleled courses in Pakistan. Our academy is a trailblazer in Dijkot, being the first institute to officially provide training to all students at their preferred schedules, led by real-world industry professionals and Google certified staff.
EASY TUTORIAL OF HOW TO USE REMINI BY: FEBLESS HERNANEFebless Hernane
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The Role Of E-Satisfaction In Mediating The Effect Of EServqual And E-Trust On E-Loyalty On BRI M-Banking Application Users
1. American Journal of Humanities and Social Sciences Research (AJHSSR) 2022
A J H S S R J o u r n a l P a g e | 205
American Journal of Humanities and Social Sciences Research (AJHSSR)
e-ISSN :2378-703X
Volume-6, Issue-7, pp-205-214
www.ajhssr.com
Research Paper Open Access
The Role Of E-Satisfaction In Mediating The Effect Of E-
Servqual And E-Trust On E-Loyalty On BRI M-Banking
Application Users
Nursaban Rommy Suleman1*
, Rahmat Madjid2
, Patwayati3
,
Muhammad Fajar Salemaku4
1
Department of Management, Faculty of Economics and Business, Halu Oleo University
2
Department of Management, Faculty of Economics and Business, Halu Oleo University
3
Department of Management, Faculty of Economics and Business, Halu Oleo University
4
Student of Master Management, Department of Management, Halu Oleo University
r
ABSTRACT:The purpose of this study was to examine the role of E-Satisfaction in mediating Effect of E-
Servqual and E-Trust Against E-Loyalty. The number of samples as many as 100 people determined by
accidental sampling technique with non-probability sampling method. The data analysis technique used is
Partial Least Square-Path Modeling Reflective Multidimensional Construct (Second Order Construct) with
SmartPLS 3.0 software. The results obtained in this study are e-service quality has a significant effect on e-
satisfaction, e-trust has a significant effect on e-satisfaction, e-satisfaction has a significant effect on e-loyalty,
e-service quality has no significant effect on e-loyalty, e-trust no significant effect on e-loyalty, e-service quality
has a significant effect on e-loyalty through e-satisfaction and e-trust has a significant effect on e-loyalty
through e-satisfaction.
KEYWORDS: E-Servquall, E-Trust, E-Satisfaction, E-Loyalty, Mobile Banking
I. INTRODUCTION
Currently, almost all banks in Indonesia have implemented Mobile banking services. The development
of mobile banking is able to answer the needs of modern society which prioritizes mobility. (Febrianta &
Indrawati, 2016) from the results of his research also proves that the use of electronic banking, especially mobile
banking, has influenced developments that are more efficient and meet customer satisfaction. Bank BRI
provides m-banking services to meet customer demands and needs as an alternative for conducting banking
transactions. Through m-banking, customers can access banking products and services using a smartphone.M-
banking transactions can be done anywhere and anytime for 24 hours without customers coming to the bank or
Automated Teller Machines [ATM], except for cash deposit and withdrawal transactions (Supriyono, 2011).
When the online marketplace has been favored by many, the business center is no longer a physical facility but
rather a specific site or platform on the network where business interaction takes place, which is more familiar
with the term electronic marketing. E-Marketing (Electronic Marketing) is one part of E-commerce where
currently E-Marketing itself is increasingly becoming Mobile Marketing (M-Marketing) because of consumer
demands that prioritize convenience and personalization (Ittaqullah N.et al 2020).Every company has the goal of
providing the best service and as much as possible in accordance with customer expectations to create customer
satisfaction which then results in good relationships with customers in the long term.
Superior and consistent service quality will prove to customers that the product or service used is the
best, so that the value that fosters satisfaction makes customers use services continuously in the future and
creates customer loyalty (Kuntari et al., 2016). Service quality is one of the main keys in determining the
success or failure of a business (Tjiptono, 2008). (Zeithaml et al., 2002) Service quality on e-service quality can
be defined as the extent to which a site can facilitate effective and efficient shopping, purchasing and delivery.
Quality has a close relationship with customer satisfaction. Quality provides an impetus to customers to forge
strong ties with the company. In electronic transactions, service quality is called electronic service quality (e-
service quality). To meet customer satisfaction in the banking industry, the quality of customer service is very
important for companies to be managed properly in order to continue to gain trust and satisfaction from
customers. Satisfaction is a person's feelings of pleasure or disappointment that arise after comparing products
2. American Journal of Humanities and Social Sciences Research (AJHSSR) 2022
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or services from what they think to what they expect (P. Kotler, 2005). Customer satisfaction does not only
provide benefits in the short term but is able to provide benefits in the long term and provide a competitive
advantage for service provider companies (banks). If customers always feel that the services provided by the
bank exceed their expectations and they are satisfied, it means that the customer is less likely to switch to
another bank. Customers will tend to reuse banks that are able to provide satisfactory service and will usually
promote the services obtained to other prospective customers. This shows a loyal attitude towards the
satisfaction they feel. Refers to service quality and customer trust in an electronic context that aims to create
satisfaction and the impact on loyalty in using M-banking applications, there are still many contradictory
research gaps. In summary, the previous research gaps are the basis that is relevant to this research.
Table 1. Research Gap Previous Research
Research Gap of Previous Study Sig (+) No. Sig (-)
Gap 1 Inconsistency of research results related to
e-servqual to e-satisfaction
(Raza et al., 2020), (Ul
Haq & Awan, 2020),
(Aly Shared, 2019)
(Surahman et al., 2020), (Tee et
al., 2018)
Gap 2Inconsistency of research results on the
effect of e-trust on e-satisfaction
(Nawangasari & Putri,
2020), (Sativa, 2016)
(Retno et al., 2020)
Gap 3Inconsistency of research results related to
the effect of e-satisfaction on e-loyalty
(Arzaq Akbar &
Djatmiko, 2020),
(Ramadhana, 2019)
(Gotama & Indarwati, 2019),
(Suprapti et.al, 2020)
Gap 4Inconsistency of research results on the
effect of e-servqual on e-loyalty
(Nasution, 2019), (Fajar
et al., 2019)
(Desiyanti et al., 2018), (Lie et
al., 2019), (Pudjarti et al., 2019),
(Mahardika et al., 2018)
Gap 5Inconsistency of research results on the
effect of e-trust on e-loyalty
(Pradnyaswari & Aksari,
2020)
(Isnaini Asiati & Hazazie Akbar,
2019), (Sativa, 2016)
Gap 6Inconsistency of research results on the
effect of e-servqual on e-loyalty through e-
satisfaction
(Gotama & Indarwati,
2019), (Pudjarti et al.,
2019)
(Suprapti & Kunci, 2020)
Gap 7Inconsistency of research results on the
effect of e-trust on e-loyalty through e-satisfaction
(Ramadhana, 2019),
(Sekar Sedyaning Kasih
& Moeliono, 2020)
(Retno et al., 2020)
Source: Collected from several journals related to the study, 2022
Based on the research gap and the current COVID-19 pandemic conditions that have an impact on the
service system in the banking world, the researchers aimed to conduct a study entitled the role of e-satisfaction
in mediating the effect of e-service quality and etrust on loyalty to users of the M-BANKING BRI application.
II. LITERATURE REVIEW
E-Service Quality
Service quality is a measurement of the ability of a product to provide functional performance to
customers and is reliable, easy to maintain and repair (Demirkan, et.al, 2011). E-service includes the provision
of information and support systems, transportation for services and exchange of information (Sheng & Liu,
2010). E-service quality is the extent to which a website is able to facilitate consumer activities including
shopping, purchasing, and delivery of both products and services efficiently and effectively (Parasuraman et al.,
2005). According to (Santos, 2003) defines e-service quality is an assessment and evaluation of service quality
in the virtual market. E-ServQual was developed to evaluate and assess the services available on the internet
network. E-Service Quality is defined as an extension of the ability of a site to provide facilities for shopping,
purchasing, and distribution activities effectively and efficiently (Chase, Richard B., F. Robert Jacobs, 2006). E-
Service quality can simply be interpreted as the quality of electronic media services. (Lasyakka, 2015) E-service
quality is a perspective for customers about the difference between the expected service and the service received
by the customer. Previous research (Raza et al., 2020), (Ul Haq & Awan, 2020), (Aly Shared, 2019) they claim
that there is an effect of e-service quality on e-satisfaction. In this study, the E-SERVQUAL dimension used is
proprietary (Parasuraman et al., 2005) which includes efficiency, fulfillment, system availability, privacy.
E-Trust
(Moorman et al., 1993) defines trust as the individual's willingness to depend on other parties involved
in the exchange because the individual has confidence in the other party. Trust involves a person's willingness to
behave in a certain way because of the belief that his partner will give him what he expects and an expectation
that someone has that other people's promises or statements can be trusted (Barnes, 2003). (Parasuraman et al.,
2005), states that trust in service providers is a sense of security and the fulfillment of consumer expectations,
while (Young, 2006) defines the concept of trust as a combination of emotions and judgments that can develop
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and change over time, and are still many other studies that discuss the theory of belief. From some of the
definitions above, conclusions can be drawn. According to (Prasaranphanich, 2007), when consumers trust a
company, they are more likely to make repeat purchases and share valuable personal information with the
company.
E-trust is a personal view of the expectation of trust in online transactions, because customers who
make online transactions have an expectation that companies or organizations that sell online do not abuse the
website (Yousafzai et al., 2003). (Chang, 2014) states that e-trust is a consumer's perception of how the website
meets expectations, how reliable the website information is and the level of trust in the website. E-trust is
defined as customer beliefs or beliefs about credibility and benevolence, which means that customers can rely
on promises and information and think that sellers will take advantage of buyers (Pham et al., 2013). Previous
research conducted (Nawangasari & Putri, 2020), (Sativa, 2016), they claimed that there was a significant effect
of e-trust on e-satisfaction. In this study, the dimensions of E-trust used by the author are proprietary
(Delgado‐ Ballester, 2004) namely Brand Reliability and Brand Intention.
E-Satisfaction
Satisfaction is an evaluation of how retailers can meet or even exceed the expectations of consumers.
Satisfaction is the customer's overall attitude towards the service provider or emotional reaction to the difference
between their anticipation and what they receive regarding the fulfillment of some needs, goals and desires
(Hansemark & Albinsson, 2004). (P. & K. Kotler, 2008) states that satisfaction or satisfaction in general is the
feeling of customers when they feel pleasure or disappointment as a result of a comparison between the
performance of products and services felt by customers and their expectations. If the performance of products
and services is far from customer expectations, customers will feel dissatisfied with the services or services
received. (Dastidar, S. G., 2009) stated that satisfaction is a series of bias reactions that users have when using
the website. Websites should be fun to use and look at. Satisfaction with the website refers to meeting the needs
and expectations of consumers on the website.
Overall perception of satisfaction usually results in an overall positive attitude towards the website,
Szymanski et.al (in (Kabadayi & Gupta, 2011). According to (Gounaris et al., 2010) E-satisfaction is defined as
the experience felt after using the product and comparing the perceived quality and expected quality. According
to (Dastidar, S. G., 2009) defines that E-satisfaction is a series of bias reactions that users have when using the
website. According to (Ranjbarian et al., 2012) defines that e-satisfaction or online customer satisfaction is the
result of consumer perceptions of online convenience, trade/transaction methods, site design, security and
service. In this study, the E-satisfaction dimension used by the author belongs to (Parasuraman et al., 2005)
which includes Usefulness, Enjoyment, Past Experience and Decision.
E-Loyalty
According to (R.Oliver, 1999), customer loyalty is defined as a very strong commitment to repurchase
or subscribe to a preferred product or service consistently in the future, causing repeated brand purchases,
despite situational influences and marketing efforts that have the potential to cause displacement. According to
(Hur et al., 2011) defines e-loyalty as the customer's intention to visit the website again with or without the
occurrence of online transactions. This definition considers customer loyalty as a constructive attitude and
potentially also beneficial for conventional circumstances. Hur et al., conceptualized e-loyalty into four parts
(dimensions), namely, cognitive, affective, conative , and action which are the application of the loyalty
dimension to the website. According to (Hapsari et al., 2017) e-loyalty is defined as consumer's intention to
work together again, recommend to others and remain loyal to a brand or e-commerce company. Regarding
online services, (Anderson & Srinivasan, 2003) states: " e-loyalty is defined as the customer's favorable attitude
toward an electronic business resulting in repeat buying behavior." It means that consumer behavior in online
services as a form of repeat purchase behavior. In this study, the E-loyalty dimension used by the author belongs
to (Lin et al., 2013) which includes word of mouth e-service and purchase intention of e-service.
III. Conceptual Framework
Based on the background of the problem, theory and empirical review, the conceptual framework of the
research can be presented as follows:
Figure 1.ReseacrhConseptual Framework Model
4. American Journal of Humanities and Social Sciences Research (AJHSSR) 2022
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Hypothesis
Based on the background of the problem, theory and empirical review, the conceptualframework of the
research can be presented as follows:
1. H1: E-service quality has a significant effect one-satisfactionfor BRI M-Banking customers
2. H2: E-trust has a significant effect one-satisfaction for BRI M-Banking customers
3. H3: E-Servqual has a significant effect on e-loyalty on BRI M-Banking customers
4. H4: E-trust has a significant effect on e-loyalty to BRI M-Banking customer
5. H5 : E-satisfaction has a significant effect on e-loyalty to BRI M-Banking customer
6. H6: E-service quality has a positive and significant effect on e-loyalty through e-satisfaction as a mediating
variable
7. H7: E-trust has a positive and significant effect on e-loyalty through e-satisfaction as a mediating variable.
IV. METHOD
The population in this study are all BRI bank customers who use the Raha branch of the MBanking
application. The sample in this study amounted to 100 people. The sampling technique used was accidental
sampling, with the research instrument using a questionnaire and a Likert scale as a measurement. The type of
data obtained from the distribution of the questionnaire is interval data. This research uses path analysis. The
data of this study was collected from respondents via Google Forms, which was used for online questionnaire
distribution. The analytical tool in this study uses the SmartPLS 3.0 application.
V. THE FINDING
Reflective Multidimensional Construct Test.
Figure2. Path Coefficient Diagram Result
Table 2. Path Coefficient Measurement of Significance (T-Statistics) Second Order
Construct
Original
Sample
(O)
Sample
Mean
(M)
Standard
Deviation
(STDEV)
T
Statistics
> 1,96
P
Values
<0,05
Efficiency>E-Servqual 0.295 0.295 0.012 23.731 0.000
Fulfillment> E-Servqual 0.243 0.243 0.011 22.361 0.000
System Availability>E-Servqual 0.230 0.230 0.016 29.717 0.000
Privacy> E-Servqual 0.290 0.290 0.010 14.612 0.000
Reliability > E-Trust 0.468 0.468 0.017 33.142 0.000
Intentions > E-Trust 0.564 0.564 0.014 32.307 0.000
Source: Primary Data (Processed, 2021)
5. American Journal of Humanities and Social Sciences Research (AJHSSR) 2022
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Based on the results of the path coefficientcontained in table 2, it shows that all items are significant to
the construct with a t-statistical value > 1.96 and p-values <0.05.
Measurement of Outer Model
Table 3.Loading Factor Value of the Entire Construct
Latent Variable Variable Contruct
Item
Code
Loading Factor
E-Service Quality
Efficiency
X1.1 0.932
X1.2 0.905
Fulfillment
X1.3 0.703
X1.4 0.930
System Availability
X1.5 0.914
X1.6 0.913
Privacy
X1.7 0.800
X1.8 0.738
E-Trust
Reliability
X2.1 0.784
X2.2 0.924
Intentions
X2.3 0.928
X2.4 0.902
E-Satisfaction
Y1.1 0.809
Y1.2 0.909
Y1.3 0.803
Y1.4 0.909
Y1.5 0.899
Y1.6 0.740
Y1.7 0.819
Y1.8 0.723
E-Loyalty
Y2.1 0.948
Y2.2 0.951
Y2.3 0.898
Y2.4 0.712
Source: Primary Data (Processed, 2022)
Table 4. AVE
Construct AVE
E-Loyalty 0.779
E-Satisfaction 0.686
E-Servqual 0.737
E-Trust 0.786
Efficiency 0.926
Fulfillment 0.793
System Availability 0.883
Privacy 0.706
Reliability 0.795
Intentions 0.883
Source: Primary Data (Processed, 2022)
Based on the estimation results of loading factors in tables 3 and 4, the item values generated by the
constructs of e-servqual, e-trust, e-satisfaction and e-loyalty have met the standard value of convergent validity
because the value of the loading factor is greater than 0.7 and the value of AVE is greater than 0.5. So it can be
concluded that the whole construct can be said to be valid.
6. American Journal of Humanities and Social Sciences Research (AJHSSR) 2022
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Table 5 Composite ReliabilityValue
Konstruk Composite Reliability
E-Loyalty 0.933
E-Satisfaction 0.945
E-Servqual 0.957
Efficiency 0.962
Fulfillment 0.884
System Availability 0.938
Privacy 0.828
E-Trust 0.936
Reliability 0.886
Intentions 0.938
Source: Primary Data (Processed, 2022)
Based on table 5, the results of the analysis show that the composite reliability of each indicator shows
a number above 0.7. Thus it can be concluded that all indicator variables are declared reliable.
Measurement of Inner Model
Table 6. R-Square (R2
)
Items R-Square R-Square Adjustment
E-Loyalty 0.959 0.958
Source: Primary Data (Processed, 2022)
From the results of the R-Square analysis shows that the value obtained is 0.959. This value shows that
96% of the E-Servqual, E-Trust and E-Satisfaction variables affect the E-Loyalty variable and the rest is
influenced by other variables outside the variables in this study.
Hypothesis Analysis
Table 7. Total Effects
Construct
Original
Sample
(O)
Sample
Mean
(M)
Standard
Deviation
(STDEV)
T
Statistics
> 1.96
P
Values
< 0.05
E-Servqual> E-Satisfaction 1.54 1,540 0.198 7,866 0.000
E-Trust > E-Satisfaction -0.627 -0.610 0.200 3.138 0.002
E-Satisfactio> E-Loyalty 0.676 0.678 0.100 6,780 0.000
E-Servqual>E-Loyalty 0.125 0.113 0.255 0.491 0.624
Source: Primary Data (Processed, 2022)
Table 8. Specific Indirect Table
Original
Sample
(O)
Sample
Mean
(M)
Standard
Deviation
(STDEV)
T
Statistics
> 1,96
P
Values
<0,05
E-Servqual>E-Loyalty 0.125 0.113 0.255 0.491 0.624
E-Servqual>E-Satisfaction >E-Loyalty 1.051 1.038 0.176 5.980 0.000
E-Trust >E-Loyalty 0.198 0.208 0.197 1.005 0.315
E-Trust >E-Satisfaction >E-Loyalty - 0.424 -0.408 0.134 3.165 0.002
Source: Primary Data (Processed, 2022)
IV. DISCUSSION
Effect of E-Servqual on E-Satisfaction
E-Servqual has a significant effect on E-Satisfaction. Based on the test results, it can be seen that the
original sample estimate LS value is 1.54 with a significance of 0.000 below 5% which is indicated by the t-
statistic value of 7.866 which is greater than the t-table value of 1.96. That is, a good E-Servqual will create
satisfaction for the participants. BRI M-Banking application users. These results are reinforced by research
conducted by (Raza et al., 2020), (Ul Haq & Awan, 2020), and (Aly Shared, 2019) which show that there is a
significant relationship between the E-Servqual variable and E-Satisfaction.
Effect of E-Trust on E-Satisfaction
E-Trust has a significant effect on E-Satisfaction. Based on the test results, it can be seen that the
original sample estimate LS value is -0.627 with a significance of 0.002 below 5% which is indicated by the t-
statistical value of 3.138 which is greater than the t-table value of 1.96. That is, a good E-Trust will create
7. American Journal of Humanities and Social Sciences Research (AJHSSR) 2022
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satisfaction for users of the BRI M-Banking application. The results of this study are confirmed by research
conducted (Nawangasari & Putri, 2020), (Sativa, 2016) which shows the results that the E-Trust variable has a
significant effect on E-Satisfaction.
Effect of E-Satisfaction on E-loyalty
E-Satisfaction has a significant effect on E-loyalty. Based on the test results, it can be seen that the
value of the original sample estimate of LS is 0.676 with a significance of 0.000 below 5% which is indicated
by the t-statistic value of 6780 which is greater than the t-table value of 1.96. This means that when users of the
M-Banking application are satisfied, a loyal attitude will be created from them to use the BRI M-Banking
application. The results of this study are reinforced by the results of research conducted by (Arzaq Akbar &
Djatmiko, 2020.), (Ramadhana, 2019) with the results that there is a significant effect between the E-
Satisfaction variable on E-Loyalty.
Effect of E-Servqual on E-Loyalty
E-Servqual has no significant effect on E-Loyalty. Based on the test results, it can be seen that the
original sample estimate LS value is 0.125 with a significance of 0.624 above 5% which is indicated by the t-
statistic value of 0.491 which is smaller than the t-table value of 1.96. This means that a good E-servqual will
not directly create a loyal attitude to BRI M-Banking application users. This is reinforced by research conducted
by (Desiyanti et al., 2018), (Lie et al., 2019), (Pudjarti et al., 2019), (Mahardika et al., 2018) that the E-Servqual
variable has a negative effect on towards E-Loyalty.
Effect of E-Trust on E-Loyalty
E-Trust has no significant effect on E-Loyalty. Based on the test results, it can be seen that the original
sample estimate LS value is 0.198 with a significance of 0.315 above 5% which is indicated by the t-statistic
value of 1.005 which is smaller than the t-table value of 1.96. This means that good e-trust from users of the M-
Banking application does not directly affect the loyal attitude of users. The results of this study are strengthened
by research conducted by (Isnaini Asiati & Hazazie Akbar, 2019), (Sativa, 2016) which shows that the E-Trust
variable has a negative and insignificant effect on the E-Loyalty variable.
Effect of E-Servqual on E-Loyalty through E-Satisfaction
E-Servqual has a significant effect on E-Loyalty through E-Satisfaction. Based on the test results, it can
be seen that the original sample value of the LS estimate is 1.051 with a significance of 0.000 below 5% which
is indicated by the t-statistical value of 5.980 which is greater than the t-table value of 1.96. This explains that
the satisfied attitude felt by users of the BRI M-Banking application is able to create a loyal attitude from the
quality of service received. The results of this study are strengthened by research conducted by (Gotama &
Indarwati, 2019), (Pudjarti et al., 2019) with the results of research on the significant effect of the E-Servqual
variable on E-Loyalty mediated by the E-Satisfaction variable.
Effect of E-Trust on E-Loyalty through E-Satisfaction
E-Trust has a significant effect on E-Loyalty through E-Satisfaction. Based on the test results, it
can be seen that the original sample estimate LS value is -0.424 with a significance of 0.002 below 5% which is
indicated by the t-statistical value of 3.165 which is greater than the t-table value of 1.96. This explains that the
attitude of trust felt by users of the BRI M-Banking application is able to create a loyal attitude from the e-trust
received. The results of this study are reinforced by research conducted by (Ramadhana, 2019), (Kasih &
Moeliono, 2020a) with the results of the research that the E-trust variable has a significant effect on E-Loyalty
which is mediated by the E-Satisfaction variable.
VI. CONCLUSION AND RECOMENDATION
Based on the results of research and discussions that have been carried out regarding the effect of E-
Servqual and E-Trust on E-Satisfaction and their impact on E-Loyalty on BRI M-Banking Application users, the
following conclusions can be drawn E-Servqual variable has a significant effect on E-Satisfaction variable. This
means that the quality of electronic services in using the BRI M-Banking application has an impact on
respondents' satisfaction in using the BRI M-Banking application. The E-Trust variable has a significant effect
on the E-Satisfaction variable. This means that the trust gained by users of the BRI M-Banking application has
an impact on user satisfaction in using the BRI M-Banking application. The E-Satisfaction variable has a
significant effect on the E-loyalty variable. This means that the satisfied attitude felt by users of the BRI M-
Banking application has an influence on the loyal attitude of respondents in using the BRI M-Banking
application. The E-Servqual variable has no significant effect on the E-Loyalty variable. This means that good
service quality does not directly shape the loyal attitude of respondents in using the BRI M-Banking application.
The E-Trust variable has no significant effect on the E-Satisfaction variable. This means that the trust felt by
respondents as users of the BRI M-Baking application does not directly shape the loyal attitude of the
respondents in using the BRI M-Banking application. The E-Servqual variable has a significant effect on the E-
Loyalty variable through the E-Satisfaction variable. This means that the E-satisfaction variable indirectly
mediates the effect of the E-Servqual variable on E-loyalty. This explains that to be loyal, respondents as users
of the BRI M-Banking application must be satisfied with the services they receive. The E-Trust variable has a
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significant effect on the E-Loyalty variable through the E-Satisfaction variable. This means that the E-
satisfaction variable indirectly mediates the effect of the E-Trust variable on E-loyalty. This explains that to be
loyal, respondents as users of the BRI M-Banking application must be satisfied with the services they receive.
This research is limited to the BRI M-Banking application and the respondents are only in the
working area of the branch. For further research, it can be developed by taking a wider case study to increase the
diversity of respondents. This research is limited only to the e-servqual variable. e-trust, e-satiisfacton and e-
loyalty. Subsequent research can develop research by adding variables that have not been studied, namely
corporate image.
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