Digital Bank Channel Distribution: Predictors of Usage Attitudes in Jakarta’s Gen Z

Eko Retno INDRIYARTI(Eko Retno INDRIYARTI ),Michael CHRISTIAN(Michael CHRISTIAN ),Henilia YULITA(Henilia YULITA ),Titik ARYATI(Titik ARYATI ),Regina Jansen ARSJAH(Regina Jansen ARSJAH ) 한국유통과학회 2023 유통과학연구 Vol.21 No.2

Purpose: The goal of this study is to examine what makes young people more likely to use digital banking. This is because digital banking services and their distribution channels are technologically advanced, which can be a double-edged sword between ease of use and resistance to technology. Research design, data and methodology: This study included 320 participants from generation Z in Jakarta who use digital bank and used a quantitative method with PLS-SEM. Results: This study explains how, in addition to usefulness, costs, and self-efficacy, resistance to technology has a direct effect on usage attitudes. Meanwhile, if the attitude of use is preceded by aspects of usefulness, self-efficacy, and awareness, resistance to technology will be felt indirectly. Conclusions: This demonstrated that most discussed factors, such as Ease-of-Use and security of use, are important for Generation Z users but no longer a major consideration in accepting digital banking. Aside from being more open to the use of technology in digital banks, Generation Z also desires a balance of technology services and benefits. The limitations of this study are that it excludes social variables, uses certain generations, and limits the research area to one large city, which can be expanded in future studies.

Online Food Delivery App Distribution and Determinants of Jakarta's Gen Z Spending Habits

INDRIYARTI Eko Retno,CHRISTIAN Michael,YULITA Henilia,RUMINDA Marthaleina,Sunarno SUNARNO,WIBOWO Suryo 한국유통과학회 2022 유통과학연구 Vol.20 No.7

Purpose: Considering the COVID-19 pandemic and the increasing number of online food delivery applications (OFDA), this study aims to assess the distribution of the presence of Indonesian OFDA and to measure the factors that influence the spending habits of OFDA users. Research design, data and methodology: Two hundred and nine OFDA users from Jakarta’s Generation Z were surveyed via a questionnaire. The data were analyzed using Structural Equation Modeling and SMART PLS 3.0. Results: OFDAs were introduced into Indonesia in the recent past with varying degrees of popularity determined by the number of downloads. Users’ intention to use was not determined by the speed of the introduction of an OFDA. This study also reveals that previous experience of the service, the orientation of time and price savings had a significant effect on spending habits. A moderating role of the saving variable on time and price was not demonstrated. Conclusions: The results of the study suggest that, in COVID-19 pandemic conditions, the spending habits of Generation Z are not based on impulse, thrift, or extravagance. The pandemic shaped specific motivations in spending habits, namely prioritizing need. This study has limitations, including the small sample size and the use of internal variables.

Service Distribution Strategy on Business Performance of Padang Restaurants in North Jakarta

Michael CHRISTIAN,Kevin HARIS,Eko Retno INDRIYARTI,Suryo WIBOWO,Sunarno SUNARNO 한국유통과학회 2021 유통과학연구 Vol.19 No.12

Purpose: This study aims to measure whether the business performance of Padang restaurants in North Jakarta is primarily affected by service distribution strategy and other factors, specifically the local-based organizational culture and entrepreneurial orientation. Research design, data and methodology: This quantitative research has used Structural Model-Partial Least Square (PLS-SEM) with SMART PLS 3.0 as the analytical tool. The study’s sample focus is the owner or person in charge of the Padang restaurant business in North Jakarta. Data has been collected using a questionnaire instrument with a Likert scale scale (‘1–strongly disagree’ to ‘5–strongly agree’). A total of 86 samples with a random technique were obtained from three areas in North Jakarta: Kelapa Gading, Pademangan, and Penjaringan. Results: Interestingly, this research finds that service distribution strategy does not affect business performance, either directly or indirectly. Business performance in this study is affected by entrepreneurial orientation. In additional results, the local organizational culture significantly affects the entrepreneurial orientation, but does not affect the business performance in terms of management process. Conclusions: This study provides practical implications for restaurant businesses regarding the use of local cultural concepts to consider strategies for survival in today’s challenging times while continuing operations during limitations.

Generation Z in Jakarta’s Attitude Towards COVID-19 Ad Distribution on YouTube

Michael CHRISTIAN,Ratlan PARDEDE,Eko Retno INDRIYARTI 한국유통과학회 2022 유통과학연구 Vol.20 No.3

Purpose: This study aims to measure the attitudes of Generation Z in Jakarta towards advertisements containing COVID-19 information. Research design, data and methodology: This study is a quantitative method with partial least square structural equation modeling (PLS-SEM) with SMART PLS as an analytical tool. The sample size is 216 participants was obtained randomly through a questionnaire distributed online. This study consisted of exogenous variables (advertising content, value, irritation, and economic benefits), endogenous variables (attitudes towards advertising), and some moderating roles. Results: The results of thi study explain that this generation’s attitude towards advertising is affected by the content and value aspects embedded in advertisements. Value can be formed from creativity in making advertising content as interesting and informative as possible. Interestingly, this study also found that the irritation aspect and economic benefits had no effect on the audience’s attitude towards the advertisement. Neither the irritating aspect of advertising nor the economic value that is formed acts as a moderator of the content and the value of the ad. Conclusions: The ongoing pandemic and periodic adjustments to government policies regarding COVID-19, these results can be compared with other advertisements for future studies, especially those using the same variables as this study.

Generation Z in Jakarta's Attitude Towards COVID-19 Ad Distribution on YouTube

CHRISTIAN, Michael,PARDEDE, Ratlan,INDRIYARTI, Eko Retno Korea Distribution Science Association 2022 유통과학연구 Vol.20 No.3

Purpose: Thisstudy aims to measure the attitudes of Generation Z in Jakarta towards advertisements containingCOVID-19 information. Research design, data and methodology: This study is a quantitative method with partial least square structural equation modeling (PLS-SEM) with SMART PLS as an analytical tool. The sample size is 216 participants was obtained randomly through a questionnaire distributed online. This study consisted of exogenous variables (advertising content, value, irritation, and economic benefits), endogenous variables (attitudes towards advertising), and some moderating roles. Results: The results of thi study explain that this generation's attitude towards advertising is affected by the content and value aspects embedded in advertisements. Value can be formed from creativity in making advertising content as interesting and informative as possible. Interestingly, this study also found that the irritation aspect and economic benefits had no effect on the audience's attitude towards the advertisement. Neither the irritating aspect of advertising nor the economic value that is formed acts as a moderator of the content and the value of the ad. Conclusions: The ongoing pandemic and periodic adjustments to government policies regarding COVID-19, these results can be compared with other advertisements for future studies, especially those using the same variables as this study.

Business Performance Determinants of Salted Fish Distribution in Kapuk During the COVID-19

Michael CHRISTIAN,Dewi DEWI,Glisina Dwinoor REMBULAN,Eko Retno INDRIYARTI,Suryo WIBOWO,Yustinus YUNIARTO 한국유통과학회 2021 유통과학연구 Vol.19 No.6

Purpose: This study aims to measure whether market orientation, entrepreneurial orientation, and marketing capabilities affected the business performance of salted fish distribution in Kapuk warehouse, West Jakarta at the beginning of the COVID-19 pandemic. This prolonged and difficult pandemic has had an impact on the business of selling salted fish, challenging organisations’ ability to maintain business performance. Research design, data and methodology: This study uses a PLS-SEM model approach using Smart PLS 3.0 and a questionnaire as the instruments. The conditions during the observation include 77 distributors who chose to keep doing business, and the research sample were measured by the number of distributors (business actors or people in charge). In this study, the variables of marketing capabilities, market orientation, and entrepreneurial orientation were used to analyse business performance. Results: Interestingly, the results of the study succeeded in explaining that during a pandemic market, both entrepreneurial orientation and marketing ability affected current business performance, although marketing ability remains an inconsistent mediator. Conclusions: This result serves as a reminder that surviving is the priority which must be focused on now, rather than crafting strategies to excel in competition that consume valuable effort and resources.