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"Penelitian ini bertujuan untuk mengkaji bagaimana pengaruh perilaku belanja konsumen apabila melakukan perbelanjaan menggunakan metode pembayaran “Buy-Now-Pay-Later” sebagai inovasi terbaru metode pembayaran online. Untuk mencapai tujuan tersebut, penelitian ini mendasarkan analisisnya pada beberapa teori utama, yaitu konsep efek numerositas (numerosity effect); perceived expensiveness, dan rasa sakit saat membayar (pain of payment concept) yang berperan sbagai mediasi antara metode pembayaran paylater dan perilaku konsumen. Dengan membagi pembayaran menjadi jumlah lebih kecil menggunakan paylater, rasa sakit yang dirasakan saat membayar menjadi berkurang, sehingga menyebabkan peningkatan perilaku belanja. Penelitian ini akan menggunakan pendekatan kuantitatif dengan penyebaran kuesioner terstruktur melalui survei online. Responden diminta untuk menjawab pertanyaan-pertanyaan yang berfokus pada situasi belanja dengan metode pembayaran paylater. Hasil penelitian ini diharapkan dapat memberikan wawasan baru mengenai implikasi metode pembayaran paylater terhadap perilaku belanja konsumen, serta bagaimana variabel mediasi berperan dalam hal ini. Penelitian ini diperoleh melalui pengolahan data menggunakan Structural Equation Modeling (SEM).

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This research aims to examine how consumer shopping behavior will be affected if they use the "Buy-Now-Pay-Later" payment method as the latest innovation in online payment methods. To achieve this goal, this research bases its analysis on several main theories, namely the concept of the numerosity effect; perceived expensiveness, and pain when paying (pain of paying concept) which act as mediation between the paylater payment method and consumer behavior. By splitting payments into smaller amounts using paylater, the pain felt when paying is reduced, leading to increased shopping behavior. This research uses a quantitative approach by distributing structured questionnaires through online surveys. Respondents were asked to answer questions that focused on shopping situations with the paylater payment method. It is hoped that the results of this research will provide new insight into the implications of the paylater payment method on consumer shopping behavior, as well as how mediating variables play a role in this. This research was obtained through data processing using Structural Equation Modeling (SEM)."

"Penelitian ini menganalisis beberapa faktor yang mempengaruhi loyalitas pelanggan ritel farmasi modern; Watsons Indonesia. Studi ini menguji apakah pengalaman di dalam toko, program keanggotaan, dan penggunaan private label berdampak signifikan terhadap loyalitas pelanggan. Ketiga variabel tersebut menjadi penting dalam mempertahankan pelanggan dan menciptakan hubungan pelanggan jangka panjang. Variabel kebiasaan berbelanja ditambahkan dan diusulkan untuk melihat apakah variabel tersebut memoderasi ketiga variabel sebelumnya dalam membentuk loyalitas pelanggan. Data dikumpulkan dari sampel 232 pelanggan Watsons Indonesia dan hubungan antar variabel diuji dengan model persamaan struktural. Temuan menunjukkan bahwa variabel in-store experience dan program membership di Watsons Indonesia tidak terbukti berpengaruh signifikan terhadap loyalitas pelanggan. Selain itu, kebiasaan belanja ditemukan secara tidak signifikan memoderasi in-store experience, private label dan program membership dalam membangun loyalitas pelanggan. Sedangkan di sisi lain, penulis menemukan bahwa penggunaan produk private label berpengaruh signifikan terhadap loyalitas pelanggan.

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This study analyzes several uncommon factors that influence customer loyalty of modern pharmacy retail; Watsons Indonesia. The study tests if in-store experience, membership program, and private-label usage have a significant impact on customer loyalty. The three variables become important to retain customers and create long term customer relationship. Variable spending habit is added and proposed to see if it moderates the three variables towards customer loyalty. Data were collected from a sample of 232 Watsons Indonesia’s customers and the relationship between variables tested with structural equation model. Findings indicate that in-store experience and membership program variables in Watsons Indonesia are not proven to have significant influence toward customer loyalty. Moreover, spending habits was found insignificantly moderates in-store experience, private-label usage and membership program in building customer loyalty. While in the other hand, authors found that private label usage has a significant influence with customer loyalty."