ABSTRAK Tingkat persaingan perbankan di Indonesia dalam meningkatkan service deliveryterlihat sangat ketat, setiap bank berupaya untuk menjadi nomor satu dalammemberikan layanan prima (service excellence) kepada nasabahnya. Disisi lainsaat ini nasabah semakin canggih (sophisticated) dan sangat menuntut(demanding), sehingga mereka tidak hanya mencari harga yang kompetitif danlayanan yang baik saja, namun mereka menginginkan experience yangmengesankan ketika berinteraksi dengan produk maupun layanan yang diberikan.Hal ini menyebabkan bank harus berpikir ulang mengenai dirinya agar dapatberkompetisi secara efektif dan mendiferensiasi dirinya di pasar denganmengetahui bagaimana nasabah mereka mengalami layanan yang mereka berikan.Disamping itu bank harus dapat memahami faktor-faktor yang mempengaruhicustomer experience dalam ber-bank (bank customer experience), komitmen sertaloyalitas mereka terhadap bank yang digunakan. Penelitian ini merujuk padakonseptual model customer experience dibangun oleh Vehoef et al (2009), modelini terdiri dari beberapa elemen yang membentuk customer experience, yaitusocial environment, service interface, atmosphere, price, brand, electronicchannel dan past experience. Penelitian dilakukan terhadap nasabah empat bankbesar di Jabodetabek dimana dalam 1 bulan terakhir melakukan interaksi/transaksiperbankan baik melalui walk-in channel atau e-channel, dari hasil penelitian inididapat bahwa faktor service quality menjadi faktor yang berkorelasi paling kuat,baik terhadap customer experience satisfaction maupun customer emotionsatisfaction, namun demikian tidak hanya service quality saja yang berkorelasiterhadap customer experience, terdapat faktor-faktor lain yang juga berkorelasiyaitu brand, bank atmosphere, environment influence dan e-channel serta pastexperience. Penelitian ini memberikan hasil bahwa customer experience memilikipengaruh kepada customer experience satisfaction demikian halnya dengancustomer emotion satisfaction. Dalam kaitannya dengan customer loyalty,keduanya memiliki pengaruh yang tidak jauh berbeda, hal ini menunjukkan bahwacustomer emotion satisfaction juga menjadi hal yang penting untuk diperhatikandalam menciptakan customer loyalty. ABSTRACT Banking competition in improving service delivery in Indonesia looks very tight,each bank strives to be number one in providing excellent service (serviceexcellence) to its customers. On the other hand, currently customers become moresophisticated and demanding, so they are not just looking for the competitiveprice and good service, but they want a memorable experience when interactingwith the product or services provided. This led the bank to think again aboutthemselves in order to compete effectively and differentiate themselves in themarketplace by knowing how their customers experience to the service that theyprovide. In addition, the bank must be able to understand the factors that affect thecustomer experience when interacting with the bank (the bank customerexperience), their commitment and loyalty to the bank.This study refers to the conceptual model of customer experience from Vehoef etal (2009), the model is composed of several elements of the customer experience,the social environment, service interface, atmosphere, price, brand, electronicchannel and past experience. Research conducted on the four major bankcustomers in Greater Jakarta, where in the last one month interaction / transactionwith the bank either through walk-in channels or e-channel, the results of thisstudy found that the factor of service quality is the most strongly correlated toboth the customer experience satisfaction and customer emotion satisfaction,however, not only the service quality are correlated to the customer experience,there are other factors that also correlate i.e. the brand, the bank atmosphere,environment influence and e-channel as well as past experience. This studyprovides results that the customer experience has impact on customer experiencesatisfaction and customer emotion satisfaction. In terms of customer loyalty, bothcustomer experience satisfaction and customer emotion satisfaction have theeffect is not much different, it indicates that customer satisfaction emotion also beimportant to consider in creating customer loyalty |