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"Penelitian ini bertujuan untuk menemukan faktor-faktor terpenting dalam menciptakan loyalitas konsumen di lingkungan e-commerce dan memberikan usulan pengembangan perusahaan sesuai dengan hasil penelitian. Penelitian ini menggunakan metode Structural Equation Modelling (SEM) untuk menemukan faktor yang signifikan. Hasil penelitian menunjukkan bahwa Customization dan Assurance merupakan dua faktor utama yang mempengaruhi kepuasan pelanggan, kepercayaan, dan loyalitas pelanggan yang diamati melalui purchase intention dan word of mouth.

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This study aims to find most important factors in creating consumer loyalty in e- commerce setting and give suggestions for company development based on the study. This study applies Structural Equation Modelling (SEM) to find factors significancy. The result shows that Customization and Assurance play the biggest role towards customer satisfaction, trust, and loyalty which is observed through purchase intention and word of mouth."

"Industri e-commerce di Indonesia itu sangat prospektif di masa yang akan datang dengan melihat pertumbuhan dan besarnya kelas menengah di Indonesia. Selain itu peningkatan kepemilikan perangkat teknologi informasi (gadget), serta akses terhadap internet dan juga perilaku belanja online. Sejumlah perusahaan e-commerce rintisan (startup) yang didirikan anak muda Indonesia telah berhasil diterima pasar, bahkan beberapa perusahaan dalam waktu singkat nilai valuasi bisnisnya meningkat berpuluh kali lipat. Tesis ini mengambil studi kasus keberhasilan empat rintisan e-commerce fashion lokal, Berrybenka.Com, HijUp.Com, BelowCepek.Com, dan Saqina.Com, serta e-commerce ritel Bilna.Com. Perusahaan-perusahaan e-commerce tersebut telah menjadi banyak liputan media dan merupakan contoh rintisan bisnis e-commerce pemula yang dapat menjadi benchmark keberhasilan e-commerce lokal. Hasil penelitian menunjukan bahwa terdapat faktor-faktor potensial penentu keberhasilan dari perusahaan rintisan e-commerce yang baru berkembang di Indonesia. Kemudian teridentifikasi sumber potensial, serta model dan peta prediktif strategi penciptaan nilai (value creation strategies) dari perusahaan rintisan e-commerce yang berhasil di Indonesia. Penelitian menggunakan metode SODA (Strategic Options Development & Analysis).

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E-commerce industry in Indonesia is very prospective for the future this is evident from growth and the size of the middle class in Indonesia, ownership of gadgets or information technology devices, and access to the internet and online shopping behavior. A number of pioneering e-commerce company founded Indonesian youth have been successfully received by the market, even some companies in a short time his business valuations increased tenfold.

This thesis took four case studies of successful e-commerce local fashion, i.e. Berrybenka.Com, HijUp.Com, BelowCepek.Com, and Saqina.Com, as well as e-commerce and online media retail Bilna.Com. The companies e-commerce has become a lot of media coverage and is a pioneering example of the business starters to be the benchmark of success of e-commerce locally.

The results showed that there are factors in the success of the company's pioneering e-commerce emerging in Indonesia. Namely sources, models, and maps value creation strategy (value creation strategies) of the company's pioneering e-commerce in Indonesia. Research using SODA (Strategic Options Development and Analysis) Method."

"Cross-border e-commerce (CBEC) berkembang pesat dan memberikan pengalaman belanja baru bagi pelanggan di mana mereka dapat terlibat dalam transaksi global. Dalam menghadapi fenomena tersebut, para pelaku bisnis di industri e-comemrce perlu beradaptasi untuk memenuhi kebutuhan dan ekspektasi konsumen lintas negara. Oleh karena itu, penelitian ini dilakukan untuk menganalisis pengaruh antarvariabel dalam tahap kognisi produk, emosi platform, minat perilaku, dan perilaku aktual di CBEC Shopee dan Lazada. Penelitian ini didasarkan pada model Hierarchy of Effect (HOE) yang terdiri dari tahapan perkembangan pembelajaran dan pengambilan keputusan konsumen sebagai respon dari pengalaman berbelanja mereka. Data diperoleh dari pengisian survei oleh 1.281 responden Shopee dan 370 responden Lazada yang telah memiliki pengalaman berbelanja di kedua CBEC tersebut dalam periode enam bulan terakhir. Selanjutnya, data dianalisis dengan menggunakan Structural Equation Method (SEM). Hasil dari penelitian ini adalah terdapat pengaruh positif signifikan antara product description, platform enduring involvement, dan platform situational involvement terhadap perceived trust untuk studi kasus CBEC Shopee dan terdapat pengaruh positif signifikan antara product description dan platform situational involvement terhadap perceived trust untuk studi kasus CBEC Lazada. Selanjutnya, platform situational involvement dan perceived trust juga terbukti berpengaruh positif terhadap purchase intention. Tingginya purchase intention tersebut berpengaruh dalam meningkatkan actual purchase konsumen.

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Cross-border e-commerce (CBEC) is growing rapidly, it provides a new shopping experience for customers where they can involve in a global transaction. In dealing with this phenomenon, sellers and providers in the e-commerce industry need to adapt to meet the needs and expectations of customers across the countries. Therefore, this study was conducted to analyze the intervariable influence within the stages of product cognition, platform emotion, behavior intention, and actual behavior in CBEC Shopee and Lazada. This research is based on the Hierarchy of Effect (HOE) model which consists of the stages of customer progression of learning and decision-making as a response of their shopping experiences. A total research data of 1.281 CBEC Shopee and 370 CBEC Lazada respondents who have shopped at both of CBEC in the last six months were collected through a structured questionnaire. The data are analyzed by using validity and reliability test, and then continued by Structural Equation Modeling (SEM) method. The findings of this study reveal that there is a significant positive influence between product description, platform enduring involvement, and platform situational involvement on perceived trust in the study case of CBEC Shopee and there is a significant positive influence between product description and platform situational involvement on perceived trust in the study case of CBEC Lazada. Furthermore, platform situational involvement and perceived trust have also been shown to have a positive effect on purchase intention. The high level of purchase intention influences the actual purchase of customers."

"E-commerce selalu berusaha untuk meningkatkan kualitas pelayanannya, dimana salah satu cara yang sering digunakan adalah dengan menganalisis data yang didapatkan dari pengguna. Penggunaan data dapat memastikan pengguna mendapatkan layanan yang lebih baik, namun juga dapat menimbulkan masalah pelanggaran privasi pada pengguna. Pelanggaran privasi ini dapat menyebabkan pengguna khawatir terhadap privasinya di e-commerce. Untuk mengatasi rasa khawatir pengguna akan privasi, terlebih dahulu harus diketahui faktor-faktor yang memengaruhi rasa khawatir tersebut. Oleh karena itu, penelitian ini bertujuan untuk menganalisis faktor internal dan eksternal yang memengaruhi online privacy concern pada e-commerce di Indonesia. Pengumpulan data dilakukan dengan menyebarkan kuesioner kepada responden dan diolah dengan menggunakan metode CBSEM pada aplikasi AMOS 24.0. Jumlah responden valid yang didapatkan dari pengisian kuesioner adalah sebanyak 1.017 responden. Pengolahan data dilakukan berdasarkan tiga kelompok data, yaitu kelompok laki-laki, kelompok perempuan, dan kelompok gabungan. Hasil penelitian menunjukkan bahwa faktor internal yang memengaruhi online privacy concern pada e-commerce di Indonesia adalah privacy awareness, previous online experience, dan privacy control, sedangkan faktor eksternalnya adalah information collection. Pengolahan data berdasarkan jenis kelamin menghasilkan faktor-faktor yang berbeda pada pengguna laki-laki dan pengguna perempuan. Selain itu, hasil penelitian juga menunjukkan hubungan positif antara online privacy concern dengan withholding personal information dan fabricating personal information

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E-commerce is always trying to improve its service quality, where one of the ways that are often used is analyzing data obtained from users. The use of data can ensure users get better service, but also can cause privacy violations to users. Violation of privacy can grow user's concern about privacy in e-commerce. To overcome the user's worry about privacy, the factors that influence that worry must be known. Therefore, this study aims to analyze the internal and external factors that influence online privacy concerns in e-commerce in Indonesia. Data collection was carried out by distributing questionnaires and processed using the CB-SEM method on the AMOS 24.0. The number of valid respondents obtained was 1,017 respondents. Data processing was carried out based on three data groups, namely men's group, women's group, and joint group. The results showed that internal factors that affect online privacy concerns in e-commerce in Indonesia are privacy awareness, previous online experience, and privacy control, while the external factor is information collection. Data processing by gender produces different factors in male users and female users. Also, the results of the study showed a positive relationship between online privacy concerns with personal information holding and fabricating personal information."

"Augmented Reality (AR) merupakan teknologi interaktif yang dimanfaatkan pada e-commerce karena memberikan informasi visualisasi produk yang membuat proses belanja online lebih efektif. Pengimplementasiannya mampu mempengaruhi niat beli konsumen setelah merasakan pengalaman berbelanja interaktif. Perlu dilakukan analisis pengaruh pengimplementasian teknologi AR pada e-commerce pada produk kategori fashion kacamata terhadap minat beli konsumen menggunakan website optik seis yaitu e-commerce yang telah mengadopsi AR menggunakan pendekatan kuantitatif dan kualitatif. Model penelitian menggunakan modifikasi cognition-affect-conation (C-A-C) framework, penggunaan PLS-SEM dan MANOVA dalam pengolahan data kuantitatif, serta thematic analysis dalam pengolahan data kualitatif. Jumlah responden valid dan digunakan dalam pengolahan data kuantitatif sebanyak 272 responden. Hasil penelitian menemukan terdapat 4 faktor yang mempengaruhi minat beli konsumen dalam berbelanja menggunakan fitur AR virtual try-on pada e-commerce yaitu, Product Informativeness, Perceived Usefulness, Attitude, dan Satisfaction yang berpengaruh signifikan terhadap Purchase Intention. Namun, terdapat 2 faktor yang tidak terbukti mendukung Attitude secara signifikan yaitu, Experiential Value dan Ease of Use. Terdapat peningkatan signifikan pada minat beli konsumen setelah berbelanja menggunakan fitur AR virtual try-on di e-commerce dibandingkan sebelumnya. Hasil penelitian diharapkan menjadi acuan pengembang teknologi AR melalui implementasinya pada e-commerce dan penyedia layanan e-commerce mampu memberikan pengalaman baru interaktif bagi konsumen melalui fitur AR virtual try-on.

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Augmented Reality (AR) is an interactive technology used in e-commerce because it can provide visual product information that makes the online shopping process more effective. It can affect consumer purchase intentions after experiencing an interactive shopping experience. It is necessary to analyze the effect of implementing AR in e-commerce, in fashion glasses category products, on consumer purchase intention using Optik Seis website using quantitative and qualitative approaches. The research model will use a modified cognition-affect-conation (C-A-C) framework and processing data will use PLS-SEM, MANOVA, and thematic analysis. The number of valid respondents used was 272 respondents. The results found there are 4 factors that influence consumer buying interest in shopping using the AR in e-commerce, namely Product Informativeness, Perceived Effectiveness, Attitude, and Satisfaction that significantly affect Purchase Intention. However, Experiential Value and Ease of Use are not proven to significantly support Attitude. There is a significant increase in consumer buying interest after shopping using AR virtual try-on in e-commerce compared to before. The research results are expected to be a reference for AR technology developers through its implementation in e-commerce and e-commerce service providers being able to provide new interactive experiences for consumers through the AR virtual try-on feature."

"Augmented Reality (AR) merupakan teknologi interaktif yang dimanfaatkan pada e-commerce karena memberikan informasi visualisasi produk yang membuat proses belanja online lebih efektif. Pengimplementasiannya mampu mempengaruhi niat beli konsumen setelah merasakan pengalaman berbelanja interaktif. Perlu dilakukan analisis pengaruh pengimplementasian teknologi AR pada e-commerce pada produk kategori fashion kacamata terhadap minat beli konsumen menggunakan website optik seis yaitu e-commerce yang telah mengadopsi AR menggunakan pendekatan kuantitatif dan kualitatif. Model penelitian menggunakan modifikasi cognition-affect-conation (C-A-C) framework, penggunaan PLS-SEM dan MANOVA dalam pengolahan data kuantitatif, serta thematic analysis dalam pengolahan data kualitatif. Jumlah responden valid dan digunakan dalam pengolahan data kuantitatif sebanyak 272 responden. Hasil penelitian menemukan terdapat 4 faktor yang mempengaruhi minat beli konsumen dalam berbelanja menggunakan fitur AR virtual try-on pada e-commerce yaitu, Product Informativeness, Perceived Usefulness, Attitude, dan Satisfaction yang berpengaruh signifikan terhadap Purchase Intention. Namun, terdapat 2 faktor yang tidak terbukti mendukung Attitude secara signifikan yaitu, Experiential Value dan Ease of Use. Terdapat peningkatan signifikan pada minat beli konsumen setelah berbelanja menggunakan fitur AR virtual try-on di e-commerce dibandingkan sebelumnya. Hasil penelitian diharapkan menjadi acuan pengembang teknologi AR melalui implementasinya pada e-commerce dan penyedia layanan e-commerce mampu memberikan pengalaman baru interaktif bagi konsumen melalui fitur AR virtual try-on.

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Augmented Reality (AR) is an interactive technology used in e-commerce because it can provide visual product information that makes the online shopping process more effective. It can affect consumer purchase intentions after experiencing an interactive shopping experience. It is necessary to analyze the effect of implementing AR in e-commerce, in fashion glasses category products, on consumer purchase intention using Optik Seis website using quantitative and qualitative approaches. The research model will use a modified cognition-affect-conation (C-A-C) framework and processing data will use PLS-SEM, MANOVA, and thematic analysis. The number of valid respondents used was 272 respondents. The results found there are 4 factors that influence consumer buying interest in shopping using the AR in e-commerce, namely Product Informativeness, Perceived Effectiveness, Attitude, and Satisfaction that significantly affect Purchase Intention. However, Experiential Value and Ease of Use are not proven to significantly support Attitude. There is a significant increase in consumer buying interest after shopping using AR virtual try-on in e-commerce compared to before. The research results are expected to be a reference for AR technology developers through its implementation in e-commerce and e-commerce service providers being able to provide new interactive experiences for consumers through the AR virtual try-on feature."

"Penelitian ini menganalisis tanggung jawab penyedia platform e-commerce dan penyelesaian sengketa konsumen berdasarkan kasus Putusan PN Jakarta Barat Nomor 588/Pdt.G/2020/PN Jkt.Brt. Dalam penelitian ini, aspek penting yang harus diperhatikan oleh penyedia platform e-commerce adalah tanggung jawab terhadap konten ilegal, keamanan sistem, perlindungan data pribadi, dan mekanisme pengaduan konsumen. Penyedia platform e-commerce juga perlu menyediakan mekanisme pengaduan yang efektif bagi konsumen yang mengalami kerugian. Analisis kasus Lazada Indonesia dan Tokopedia menunjukkan adanya kesalahan dan tindakan tidak bertanggung jawab yang merugikan konsumen. Penyedia platform e-commerce seharusnya bertanggung jawab atas keamanan sistem dengan melakukan verifikasi terhadap pelaku usaha yang menggunakan platform tersebut. Dalam kasus ini, terdapat kelalaian dalam memberikan label "Gold Merchant" yang menandakan kepercayaan kepada pelaku usaha tertentu, yang juga berkontribusi terhadap kerugian yang dialami konsumen. Tindakan ini melanggar ketentuan hukum mengenai evaluasi dan pemantauan pelaku usaha di platform e-commerce. Penyedia platform e-commerce seperti Lazada Indonesia dan Tokopedia menolak bertanggung jawab dan tidak memberikan penyelesaian sengketa yang memadai kepada konsumen. Konsumen menghadapi kesulitan dalam melacak atau mendapatkan pengembalian dana yang hilang atau disalahgunakan. Kurangnya informasi mengenai penyelesaian sengketa dan kelemahan dalam advokasi konsumen dan pencegahan resiko juga menjadi masalah dalam penyelesaian sengketa di platform e-commerce. Untuk mengatasi masalah ini, penyedia platform e-commerce perlu memberikan ketentuan yang lebih jelas dan memastikan konsumen mendapatkan penyelesaian yang adil. Badan Penyelesaian Sengketa Konsumen (BPSK) juga perlu meningkatkan sosialisasi untuk memperbaiki pemahaman masyarakat mengenai prosedur penyelesaian sengketa. Konsumen juga perlu berhati-hati dan memperhatikan syarat dan ketentuan yang berlaku di setiap platform e-commerce. Penelitian ini memberikan pemahaman yang lebih baik mengenai tanggung jawab penyedia platform e-commerce dalam kasus pelanggaran hak konsumen. Hasil analisis ini diharapkan dapat membantu meningkatkan perlindungan konsumen dalam transaksi e-commerce dan memperbaiki penyelesaian sengketa di platform e-commerce di Indonesia.

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This research analyzes the responsibilities of e-commerce platform providers and consumer dispute resolution based on the case of West Jakarta District Court Decision Number 588/Pdt.G/2020/PN Jkt.Brt. In this study, the important aspects that must be considered by e-commerce platform providers are responsibility for illegal content, system security, personal data protection, and consumer complaint mechanisms. E-commerce platform providers also need to provide an effective complaint mechanism for consumers who experience losses. The analysis of the Lazada Indonesia and Tokopedia cases shows that there were mistakes and irresponsible actions that harmed consumers. E-commerce platform providers should be responsible for system security by verifying the business actors using the platform. In this case, there was negligence in providing a "Gold Merchant" label that signaled trust in certain businesses, which also contributed to the harm suffered by consumers. This action violates the legal provisions regarding the evaluation and monitoring of businesses on e-commerce platforms. E-commerce platform providers such as Lazada Indonesia and Tokopedia denied responsibility and did not provide adequate dispute resolution to consumers. Consumers face difficulties in tracking or recovering lost or misappropriated funds. Lack of information on dispute resolution and weaknesses in consumer advocacy and risk prevention are also problems in dispute resolution on e-commerce platforms. To address these issues, e-commerce platform providers need to provide clearer provisions and ensure consumers get a fair settlement. The Consumer Dispute Resolution Agency (BPSK) also needs to increase socialization to improve public understanding of dispute resolution procedures. Consumers also need to be careful and pay attention to the terms and conditions that apply on each e-commerce platform. This research provides a better understanding of the responsibilities of e-commerce platform providers in cases of consumer rights violations. The results of this analysis are expected to help increase consumer protection in e-commerce transactions and improve dispute resolution on e-commerce platforms in Indonesia."

"Perkembangan internet dan smartphone mendorong berbagai kegiatan, salah satunya pembayaran, untuk dilakukan secara online dengan memanfaatkan teknologi mobile. Saat ini bank sudah mulai menyediakan layanan digital only bank. Namun, masih banyak pro-kontra terkait bank digital di Indonesia. Oleh karena itu, penelitian ini bertujuan untuk meneliti adopsi digital banking yang melibatkan perpindahan kepercayaan dari suatu e-commerce yang sudah banyak dipercayai dengan menggunakan teori trust transfer beserta faktor-faktor customer experience yang memengaruhi proses trust transfer tersebut. Penelitian ini menggunakan studi kasus bank digital SeaBank dengan e-commerce Shopee yang memiliki satu parent group yang sama yaitu Sea Group. Pendekatan kuantitatif pada penelitian ini memanfaatkan data dari penyebaran kuesioner daring dengan total 629 responden. Kemudian, data diolah menggunakan metode partial least squares structural equation modeling (PLS-SEM) dengan perangkat lunak SmartPLS 4. Hasil analisis data menunjukkan faktor customer cost, convenience, perceived ease of use, informativeness, dan relationship investment berpengaruh secara positif kepada trust in Shopee. Lalu, faktor customisation, customer cost, dan relationship investment berpengaruh secara positif kepada loyalty to Shopee. Selain itu, ditemukan bahwa trust in Shopee dan loyalty to Shopee memengaruhi trust in SeaBank secara positif, serta trust in SeaBank memengaruhi intention to use SeaBank secara positif, sehingga penelitian ini memperkuat teori trust transfer. Di lain sisi, faktor customisation tidak memengaruhi trust in Shopee dan faktor convenience, perceived ease of use, dan informativeness tidak memengaruhi loyalty to Shopee. Namun, penolakan beberapa hipotesis tersebut telah divalidasi oleh enam narasumber wawancara yang merupakan pengguna aktif Shopee. Implikasi teoritis penelitian ini adalah perluasan mengenai pengaruh customer experience terhadap value yang diberikan perusahaan kepada customer, dapat meningkatkan kepercayaan dan kesetiaan pengguna sekaligus memberikan fakta baru mengenai proses trust transfer hingga menjadi intention to use antara Shopee dengan SeaBank dalam konteks customer experience.

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The development of the internet and smartphones has facilitated various activities, including online payments, by leveraging mobile technology. Currently, banks have begun offering digital-only banking services. However, there are still many pros and cons related to digital banks in Indonesia. Therefore, this research aims to examine the adoption of digital banking, involving the transfer of trust from a well-established e-commerce platform, using the trust transfer theory and the factors of customer experience that influence this trust transfer process. This study focuses on the case of SeaBank, a digital bank, and Shopee, an e-commerce platform, which share the same parent group, Sea Group. The quantitative approach in this research utilizes data collected through online questionnaires with a total of 629 respondents. The data is then analyzed using the partial least squares structural equation modeling (PLS-SEM) method with SmartPLS4 software. The results of the data analysis show that factors such as customer cost, convenience, perceived ease of use, informativeness, and relationship investment have a positive influence on trust in Shopee. Furthermore, customisation, customer cost, and relationship investment have a positive impact on loyalty to Shopee. Additionally, trust in Shopee and loyalty to Shopee positively affect trust in SeaBank, and trust in SeaBank positively influences the intention to use SeaBank, thus strengthening the trust transfer theory. On the other hand, customisation does not affect trust in Shopee, and factors such as convenience, perceived ease of use, and informativeness do not influence loyalty to Shopee. However, the rejection of these hypotheses has been validated by six interviewees who are active Shopee users. The theoretical implications of this research include expanding the understanding of the influence of customer experience on the value provided by companies to customers, which can enhance user trust and loyalty, while also providing new insights into the trust transfer process leading to the intention to use between Shopee and SeaBank in the context of customer experience."

"Perkembangan internet dan smartphone mendorong berbagai kegiatan, salah satunya pembayaran, untuk dilakukan secara online dengan memanfaatkan teknologi mobile. Saat ini bank sudah mulai menyediakan layanan digital only bank. Namun, masih banyak pro-kontra terkait bank digital di Indonesia. Oleh karena itu, penelitian ini bertujuan untuk meneliti adopsi digital banking yang melibatkan perpindahan kepercayaan dari suatu e-commerce yang sudah banyak dipercayai dengan menggunakan teori trust transfer beserta faktor-faktor customer experience yang memengaruhi proses trust transfer tersebut. Penelitian ini menggunakan studi kasus bank digital SeaBank dengan e-commerce Shopee yang memiliki satu parent group yang sama yaitu Sea Group. Pendekatan kuantitatif pada penelitian ini memanfaatkan data dari penyebaran kuesioner daring dengan total 629 responden. Kemudian, data diolah menggunakan metode partial least squares structural equation modeling (PLS-SEM) dengan perangkat lunak SmartPLS 4. Hasil analisis data menunjukkan faktor customer cost, convenience, perceived ease of use, informativeness, dan relationship investment berpengaruh secara positif kepada trust in Shopee. Lalu, faktor customisation, customer cost, dan relationship investment berpengaruh secara positif kepada loyalty to Shopee. Selain itu, ditemukan bahwa trust in Shopee dan loyalty to Shopee memengaruhi trust in SeaBank secara positif, serta trust in SeaBank memengaruhi intention to use SeaBank secara positif, sehingga penelitian ini memperkuat teori trust transfer. Di lain sisi, faktor customisation tidak memengaruhi trust in Shopee dan faktor convenience, perceived ease of use, dan informativeness tidak memengaruhi loyalty to Shopee. Namun, penolakan beberapa hipotesis tersebut telah divalidasi oleh enam narasumber wawancara yang merupakan pengguna aktif Shopee. Implikasi teoritis penelitian ini adalah perluasan mengenai pengaruh customer experience terhadap value yang diberikan perusahaan kepada customer, dapat meningkatkan kepercayaan dan kesetiaan pengguna sekaligus memberikan fakta baru mengenai proses trust transfer hingga menjadi intention to use antara Shopee dengan SeaBank dalam konteks customer experience.

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The development of the internet and smartphones has facilitated various activities, including online payments, by leveraging mobile technology. Currently, banks have begun offering digital-only banking services. However, there are still many pros and cons related to digital banks in Indonesia. Therefore, this research aims to examine the adoption of digital banking, involving the transfer of trust from a well-established e-commerce platform, using the trust transfer theory and the factors of customer experience that influence this trust transfer process. This study focuses on the case of SeaBank, a digital bank, and Shopee, an e-commerce platform, which share the same parent group, Sea Group. The quantitative approach in this research utilizes data collected through online questionnaires with a total of 629 respondents. The data is then analyzed using the partial least squares structural equation modeling (PLS-SEM) method with SmartPLS4 software. The results of the data analysis show that factors such as customer cost, convenience, perceived ease of use, informativeness, and relationship investment have a positive influence on trust in Shopee. Furthermore, customisation, customer cost, and relationship investment have a positive impact on loyalty to Shopee. Additionally, trust in Shopee and loyalty to Shopee positively affect trust in SeaBank, and trust in SeaBank positively influences the intention to use SeaBank, thus strengthening the trust transfer theory. On the other hand, customisation does not affect trust in Shopee, and factors such as convenience, perceived ease of use, and informativeness do not influence loyalty to Shopee. However, the rejection of these hypotheses has been validated by six interviewees who are active Shopee users. The theoretical implications of this research include expanding the understanding of the influence of customer experience on the value provided by companies to customers, which can enhance user trust and loyalty, while also providing new insights into the trust transfer process leading to the intention to use between Shopee and SeaBank in the context of customer experience."

"Perkembangan internet dan smartphone mendorong berbagai kegiatan, salah satunya pembayaran, untuk dilakukan secara online dengan memanfaatkan teknologi mobile. Saat ini bank sudah mulai menyediakan layanan digital only bank. Namun, masih banyak pro-kontra terkait bank digital di Indonesia. Oleh karena itu, penelitian ini bertujuan untuk meneliti adopsi digital banking yang melibatkan perpindahan kepercayaan dari suatu e-commerce yang sudah banyak dipercayai dengan menggunakan teori trust transfer beserta faktor-faktor customer experience yang memengaruhi proses trust transfer tersebut. Penelitian ini menggunakan studi kasus bank digital SeaBank dengan e-commerce Shopee yang memiliki satu parent group yang sama yaitu Sea Group. Pendekatan kuantitatif pada penelitian ini memanfaatkan data dari penyebaran kuesioner daring dengan total 629 responden. Kemudian, data diolah menggunakan metode partial least squares structural equation modeling (PLSSEM) dengan perangkat lunak SmartPLS 4. Hasil analisis data menunjukkan faktor customer cost, convenience, perceived ease of use, informativeness, dan relationship investment berpengaruh secara positif kepada trust in Shopee. Lalu, faktor customisation, customer cost, dan relationship investment berpengaruh secara positif kepada loyalty to Shopee. Selain itu, ditemukan bahwa trust in Shopee dan loyalty to Shopee memengaruhi trust in SeaBank secara positif, serta trust in SeaBank memengaruhi intention to use SeaBank secara positif, sehingga penelitian ini memperkuat teori trust transfer. Di lain sisi, faktor customisation tidak memengaruhi trust in Shopee dan faktor convenience, perceived ease of use, dan informativeness tidak memengaruhi loyalty to Shopee. Namun, penolakan beberapa hipotesis tersebut telah divalidasi oleh enam narasumber wawancara yang merupakan pengguna aktif Shopee. Implikasi teoritis penelitian ini adalah perluasan mengenai pengaruh customer experience terhadap value yang diberikan perusahaan kepada customer, dapat meningkatkan kepercayaan dan kesetiaan pengguna sekaligus memberikan fakta baru mengenai proses trust transfer hingga menjadi intention to use antara Shopee dengan SeaBank dalam konteks customer experience.

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The development of the internet and smartphones has facilitated various activities, including online payments, by leveraging mobile technology. Currently, banks have begun offering digital-only banking services. However, there are still many pros and cons related to digital banks in Indonesia. Therefore, this research aims to examine the adoption of digital banking, involving the transfer of trust from a well-established e-commerce platform, using the trust transfer theory and the factors of customer experience that influence this trust transfer process. This study focuses on the case of SeaBank, a digital bank, and Shopee, an e-commerce platform, which share the same parent group, Sea Group. The quantitative approach in this research utilizes data collected through online questionnaires with a total of 629 respondents. The data is then analyzed using the partial least squares structural equation modeling (PLS-SEM) method with SmartPLS4 software. The results of the data analysis show that factors such as customer cost, convenience, perceived ease of use, informativeness, and relationship investment have a positive influence on trust in Shopee. Furthermore, customisation, customer cost, and relationship investment have a positive impact on loyalty to Shopee. Additionally, trust in Shopee and loyalty to Shopee positively affect trust in SeaBank, and trust in SeaBank positively influences the intention to use SeaBank, thus strengthening the trust transfer theory. On the other hand, customisation does not affect trust in Shopee, and factors such as convenience, perceived ease of use, and informativeness do not influence loyalty to Shopee. However, the rejection of these hypotheses has been validated by six interviewees who are active Shopee users. The theoretical implications of this research include expanding the understanding of the influence of customer experience on the value provided by companies to customers, which can enhance user trust and loyalty, while also providing new insights into the trust transfer process leading to the intention to use between Shopee and SeaBank in the context of customer experience."