SHOPPING MOTIVATION IN MEDIATING THE INFLUENCE OF DIGITALIZATION AND BANKING TRANSACTION PROTECTION ON ONLINE SHOPPING DECISIONS

Main Article Content

Ulul Qurba Lailatul Rafika Titis Miranti

Abstract

Since the digitalization of banking, consumer shopping decisions have changed. Moreover, consumers also need to re-examine transaction protection in the digitalization era. This study wants to review the effect of digitalization and the protection of banking transactions on online shopping decisions by adding shopping motivation as a mediating variable. Researchers used primary data from 150 respondents in Malang City. Structural Equation Modelling (SEM) with Partial Least Square (PLS) approach was used to analyze the data. The results showed that transaction digitization, transaction protection, and shopping motivation positively and significantly affected shopping decisions. Moreover, shopping motivation can mediate the effect of digitization and transaction protection on shopping decisions. Furthermore, the efforts of related parties to increase consumer spending motivation also need to be improved. If it is carried out sustainably, it is not inevitable that this will enhance the country's economy.

Article Details

How to Cite
QURBA, Ulul; RAFIKA, Lailatul; MIRANTI, Titis. SHOPPING MOTIVATION IN MEDIATING THE INFLUENCE OF DIGITALIZATION AND BANKING TRANSACTION PROTECTION ON ONLINE SHOPPING DECISIONS. Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 8, n. 1, p. 435-446, sep. 2022. ISSN 2541-3333. Available at: <http://conferences.uin-malang.ac.id/index.php/iconies/article/view/1744>. Date accessed: 17 apr. 2024.
Section
Articles

References

Afif, M., & Purwanto, P. (2020). Pengaruh Motivasi Belanja Hedonis, Gaya Hidup Berbelanja dan Promosi Penjualan terhadap Pembelian Impulsif pada Konsumen Shopee ID. JAMIN : Jurnal Aplikasi Manajemen Dan Inovasi Bisnis, 2(2), 34. https://doi.org/10.47201/jamin.v2i2.51.

Arigawati, D., Cahyaningsih, I., Studi Akuntansi, P., Ekonomi dan Bisnis, F., & Panca Sakti Bekasi, U. (2021). Pengaruh Sistem E-Payment Terhadap Peningkatan Motivasi Belanja Online dan Aktivitas Sektor Riil. Jurnal Penelitian Akuntansi, 3(Desember), 392–398.

Arij, F. N., & Suwitho, S. (2021). Pengaruh Motivasi Belanja Hedonis Terhadap Pembelian Impulsif Pada Shopee. Co. Id. Jurnal Ilmu Dan Riset Manajemen (JIRM), 10(6).

Arthur, S. dan M. (2014). Persepsi, Sikap, Dan Motivasi Hedonis Terhadap Keputusan Pembelian Produk Fashion Secara Online. EMBA, 2, 561–570.

Aryani, A. P., Susanti, L. E., & Ngawi, U. S. (2022). Ahmad Dahlan Pentingnya Perlindungan Data Pribadi Konsumen dalam Transaksi Online pada Marketplace terhadap Kepuasan Konsumen Ahmad Dahlan. 02(01), 20–29.

Bella, F. I., & Efendi, N. F. (2021). Strengthening the Islamic Digital Payment System Through Sharia Electronic Wallet (E-Wallet). El Dinar, 9(2), 94–107. https://doi.org/10.18860/ed.v9i2.11451.

Botacin, M., Kalysch, A., & Grégio, A. (2019). The internet banking [in]security spiral: Past, Present, and Future of Online Banking Protection Mechanisms based on a Brazilian case study. ACM International Conference Proceeding Series. https://doi.org/10.1145/3339252.3340103.

Chaimaa, B., Najib, E., & Rachid, H. (2021). E-banking Overview: Concepts, Challenges and Solutions. Wireless Personal Communications, 117(2), 1059–1078. https://doi.org/10.1007/s11277-020-07911-0.

Elena, M. (2022). BI Catat Nilai Transaksi E-Commerce Tembus Rp401 Triliun pada 2021. Bisnis.Com.

Firdaus, M. A. (2019). Pengaruh Sistem E-Payment, Sosial Media, Dan Pemanfaatan Go-Food Terhadap Keputusan Pembelian Konsumen Pada Toko Kue Dan Roti Choco Bakery Medan. Universitas Sumatera.

Gunawan, K. (2020). Motivasi Dan Hambatan Dalam Melakukan Belanja Online: Memahami Respon Konsumen Pada Situs Belanja Online. Universitas Atma Jaya Yogakarta.

Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Thousand Oaks. Sage, 165.

HARDANI. USTIAWATY, J. A. H. (2017). BUKU METODE PENELITIAN KUALITATIF DAN KUANTITATIF (A. HUSNU ABADI, A.MD. (ED.). CV. Pustaka Ilmu.

Hardiawan, A. C. (2014). Pengaruh Kepercayaan, Kemudahan dan Kualitas Informasi terhadap Keputusan Pembelian secara Online. In Teknologi. Universitas Diponegoro Semarang.

Hariyanto, J. (2020). Pengaruh Harga, Ulasan Produk, dan Metode Pembayaran Tehadap Keputusan Sekolah Tinggi Ilmu Ekonomi Indonesia-2020.

Hasanah, U. (2021). PERUBAHAN POLA TRANSAKSI KONVENSIONAL MENUJU DIGITALISASI PERSFEKTIF „URF PADA BANK SYARIAH INDONESIA KC 01 KOTA PALANGKA RAYA. IAIN Palangka Raya.

Indrianti, N., & Junaedi, M. S. (2016). Motivasi Utilitarian dan Hedonis pada Penelusuran di Media Sosisal. Word-Of-Mouth Intention, 6(5), 1–15.

Iskandar, D., & Nasution, M. I. B. (2019). Analisis Pengaruh Kepercayaan, Keamanan dan Kualitas Pelayanan Terhadap Keputusan Pembelian pada Online Shop Lazada SNK © 2019 Published by UMSU (Studi Kasus Pada Mahasiswa/i FEB UMSU). Jurnal Kewirausahaan, 1(1), 128–137.

Jonathan, I. R., & Mulyandi, M. R. (2019). Pengaruh Privasi, Keamanan, dan Kepercayaan Terhadap Keputusan Pembelian Masyarakat dalam E-Commerce. 171–178. https://doi.org/10.33510/slki.2019.171-178.

Lidyana, V. (2020). Indonesia Masuk Daftar Negara Paling Rawan Cyber Crime. Finance.Detik.Com.

Mulianingsih, D. (2018). Pengaruh Motivasi Belanja Hedois terhadap Kecenderungan Pembelian Impulsif di Online Shop. Universitas Braijaa.

Nugroho Setiadi, J. (2003). Perilaku Konsumen: Perspektif Kontenporer Pada Motif, Tujuan, Dan Keinginan Konsumen. Prenadamedia Group.

Perlindungan, P., & Widyanto, M. A. (2021). Problematika Perlindungan Konsumen Dalam Transaksi Elektronik Di Indonesia. 9, 137–142.

Putri, D. D., Darwanto, D. H., Hartono, S., & Waluyati, L. R. (2019). The Effect of Supply Chain Practices on Competitive Advantages and Supply Chain Performance in Small Household Agroindustry: Direct and Indirect Effect with Partial Least Square Method. IOP Conference Series: Earth and Environmental Science, 255(1). https://doi.org/10.1088/1755-1315/255/1/012025.

Rouf, M. A., & Akhtaruddin, M. (2018). Factors affecting the voluntary disclosure: a study by using smart PLS-SEM approach. International Journal of Law and Management, 60(6), 1498–1508. https://doi.org/10.1108/IJLMA-01-2018-0011

Samsudin, C. M. (2020). Konstruksi Pemberitaan Stigma Anti-China Pada Kasus Covid-19 Di Kompas.Com, 68(1), 1–12.

Saputri, A. (2019). PENGARUH MOTIVASI BELANJA DAN KEPUASAN KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN DI ONLINE SHOP. Universitas Negeri Jakarta.

Sarstedt, M., & Cheah, J. H. (2019). Partial least squares structural equation modeling using SmartPLS: a software review. Journal of Marketing Analytics, 7(3), 196–202. https://doi.org/10.1057/s41270-019-00058-3.

Setiani, S., & Miranti, T. (2021). Dampak Manajemen Diri Terhadap Prestasi Belajar Dengan Motivasi Diri Sebagai Variabel Intervening. Idaarah: Jurnal Manajemen Pendidikan, 5(2), 290. https://doi.org/10.24252/idaarah.v5i2.22442.

Solimun. (2012). PERMODELAN PERSAMAAN S TRUKTURAL GENERALIZED STRUCTURED COMPONENT ANALYSIS. Universitas Brawijaya.

Swastha, Basu, & Handoko, H. (2007). Manajemen Pemasaran Analisa Perilaku Konsumen (I). BPFE.

Tong, X., & Zhang, Z. (2012). Diagnostics of Robust Growth Curve Modeling Using Student’s t Distribution. Multivariate Behavioral Research, 47(4), 493–518. https://doi.org/10.1080/00273171.2012.692614.

Yousafzai, S. Y., Pallister, J. G., & Foxall, G. R. (2003). A proposed model of e-trust for electronic banking. Technovation, 23(11), 847–860. https://doi.org/10.1016/S0166-4972(03)00130-5

Zawiyah, S. (2019). EES150879_SITI ZAWIYAH_EKONOMI SYARIAH_compressed - te zawiyah.pdf (p. 15).