Analysis of Factors Influencing Consumer Behavioral Intention towards Lifestyle Feature on Indonesian Mobile Banking

The adoption rate of mobile banking services (m-banking) has not reached the expected level, especially in developing countries and customers are less interested in the service. The purpose of the study was to analyze the influence of confirmation and perception of usability on the satisfaction of using Bank Sinarmas mobile banking, the effect of the perception of usability on the intention to reuse Bank Sinarmas mobile banking, the effect of the perception of usability and convenience on the attitude of Bank Sinarmas mobile banking, and the effect of user satisfaction and attitude on the intention to reuse mobile banking Bank Sinarmas. This quantitative study includes the research population of Bank Sinarmas customers who have used mobile banking services. The analysis method uses Partial Least Squares–Structural Equation Modelling (PLS-SEM). From the results of the research and discussion, the conclusions that can be drawn are that confirmation has a positive effect on the satisfaction of using Bank Sinarmas mobile banking, perception of usability has a positive effect on satisfaction with the use of Bank Sinarmas mobile banking, perception of usability has a positive effect on the intention to reuse Bank Sinarmas mobile banking, perception of usability has a positive effect on attitudes towards Bank Sinarmas mobile banking, perception of ease of use has a positive effect on the attitude of Bank Sinarmas mobile banking, user satisfaction has a positive effect on the intention to reuse Bank Sinarmas mobile banking, and attitude has a positive effect on the intention to reuse Bank Sinarmas mobile banking. Tingkat adopsi layanan mobile banking (m-banking) tidak mencapai tingkat yang diharapkan terutama di negara berkembang dan pelanggan kurang berminat terhadap layanan tersebut. Tujuan penelitian untuk menganalisis pengaruh konfirmasi dan persepsi kegunaan terhadap kepuasan penggunaan mobile banking Bank Sinarmas, pengaruh persepsi kegunaan terhadap intensi penggunaan kembali mobile banking Bank Sinarmas, pengaruh persepsi kegunaan dan kemudahan terhadap sikap pada mobile banking Bank Sinarmas, serta pengaruh kepuasan penggunaan dan sikap terhadap intensi penggunaan kembali mobile banking Bank Sinarmas. Penelitian ini kuantitatif dengan populasi penelitian nasabah Bank Sinarmas yang telah menggunakan layanan mobile banking. Metode analisis menggunakan Partial Least Squares–Structural Equation Modelling (PLS-SEM). Dari hasil penelitian dan pembahasan, maka kesimpulan yang dapat diambil adalah konfirmasi berpengaruh positif terhadap kepuasan penggunaan mobile banking Bank Sinarmas, persepsi kegunaan berpengaruh positif terhadap kepuasan penggunaan mobile banking Bank Sinarmas, persepsi kegunaan berpengaruh positif terhadap intensi penggunaan kembali mobile banking Bank Sinarmas, persepsi kegunaan berpengaruh positif terhadap sikap pada mobile banking Bank Sinarmas, persepsi kemudahan penggunaan berpengaruh positif terhadap sikap pada mobile banking Bank Sinarmas, kepuasan penggunaan berpengaruh positif terhadap intensi penggunaan kembali mobile banking Bank Sinarmas, dan sikap berpengaruh positif terhadap intensi penggunaan kembali mobile banking Bank Sinarmas.

Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM)In view of its essential role in knowledge creation, multivariate data analysis prevails in the social sciences literature. The field of tourism is not an exception, specifically in the widely adoption of structural equation modeling (SEM), a multivariate technique, by tourism researchers over the past decade. While there are two major types of SEM including covariance-based SEM (CB-SEM) and variance-based SEM (PLS-SEM), the former dominated previous tourism research. However, increasing use of PLS-SEM in tourism research has been witnessed in recent years. This upward trend is likely to persist in the near future given the growing popularity of PLS-SEM in other social sciences domains like marketing, strategic management, and management information system, as specified in the preface of the book. Indeed, PLS-SEM, in relative to CB- SEM, provides more flexibility in handling of data. For instance, PLS-SEM is well-suited for accommodating small sample sizes and complex model, fortesting a model containing both formative and reflective constructs, and for handling single-item measures. To this end, the timely introduction of the book A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) helps tourism researchers stand at the front edge of the SEM technique and make effective use of the PLS-SEM in data analysis. Additionally, the book illustrates the application of PLS-SEM with a free downloadable software namely SmartPLS which is essential to extend the application of PLS-SEM in tourism research.Authored by Hair, Hult, Ringo, and Sarstedt, the book consists of eight chapters. To equip the readers with the basic knowledge of PLS- SEM, Chapter 1 delineates the meaning of SEM and its relationship with multivariate data analysis, followed by a description of the major elements in multivariate data analysis. Then the basic elements of PLS-SEM are explained. Finally, PLS-SEM is distinguished from its counterpart namely CB-SEM while the major characteristics of PLS-SEM and the conditions where the PLS-SEM are more adequate than CB-SEM and vice versa are discussed. To step in the application of PLS- SEM, Chapter 2 firstly explicates the concepts in structural model specification including mediation, moderation, and higher-order models. Then specification of measurement model is explained with a special focus on the differences between reflective and formative measures. After that, the issues that need to be addressed after data collection are discussed. The chapter ends by creating the model in the SmartPLS is illustrated. With an established model, Chapter 3 focuses on model estimation. The chapter explains the algorithm underpinning the estimation and the statistical properties of the PLS-SEM method, as well as the options and parameter settings for running the algorithm. Following that, the issues about interpretation of results are explained. The final section illustrates the execution of model estimation in the SmartPLS.Based on the model estimation, empirical measures of the measurement and structural models are derived, where evaluation of the models takes place. Chapter 4 exhibits the major steps in model evaluation in the beginning. Thereafter, the chapter explains the evaluation of reflective measurement models according to three major criteria including internal consistency reliability, convergent validity, and discriminant validity, followed by an illustration with the SmartPLS. Chapter 5 explains the assessment of formative measurement models with respect to the criteria of convergent validity, collinearity, and significance and relevance of the formative indicators. The chapter also elucidates the basic concepts of bootstrapping which is used to examine the statistical significance of estimates in PLS- SEM. An illustration of the assessment of formative measurement model in the SmartPLS follows. Chapter 6 continues the topic on model evaluation by focusing on the assessment of structural model. …

Objective: In the rapidly evolving financial services industry, Mobile Banking has emerged as a critical platform for customer engagement and service delivery. With the increasing adoption of mobile technologies, understanding the factors that drive customer loyalty in Mobile Banking has become a strategic priority for service providers. Key elements such as customer experience, satisfaction, trust, and loyalty intention play pivotal roles in shaping customer perceptions and behaviors. This study investigates the relationships between customer experience, customer satisfaction, trust, and loyalty intention among Mobile Banking customers in Indonesia. Method: The study utilizes an explanatory research methodology, following a quantitative approach within the positivist paradigm. This methodology is designed to clarify the causal relationships between variables, examining both direct and indirect effects. Using data from 477 respondents, analyzed through Structural Equation Modeling - Partial Least Squares (SEM-PLS). Results and Discussion: The findings reveal that enhancing customer experience significantly boosts trust, while customer satisfaction strongly influences both trust and loyalty intention. Although customer experience does not directly impact loyalty intention, customer satisfaction plays a crucial role in fostering customer loyalty. Trust also serves as an important mediator between customer satisfaction and loyalty intention, highlighting its role in strengthening customer relationships. Research Implications: The study's focus on Indonesian customers may limit the generalizability of the findings to other geographical contexts. Cultural differences, variations in mobile banking adoption rates, and differing regulatory environments across countries could influence customer behavior and perceptions, suggesting that the results may not be universally applicable. Originality/Value: The study’s emphasis on trust as a mediator between satisfaction and loyalty provides novel insights, particularly relevant for practitioners aiming to navigate the competitive landscape of Mobile Banking.

Partial Least Squares Structural Equation Modeling (PLS-SEM) in second language and education research: Guidelines using an applied example

Partial least squares structural equation modelling (PLS-SEM) is becoming a popular statistical framework in many fields and disciplines of the social sciences. The main reason for this popularity is that PLS-SEM can be used to estimate models including latent variables, observed variables, or a combination of these. The popularity of PLS-SEM is predicted to increase even more as a result of the development of new and more robust estimation approaches, such as consistent PLS-SEM. The traditional and modern estimation methods for PLS-SEM are now readily facilitated by both open-source and commercial software packages. This book presents PLS-SEM as a useful practical statistical toolbox that can be used for estimating many different types of research models. In so doing, the authors provide the necessary technical prerequisites and theoretical treatment of various aspects of PLS-SEM prior to practical applications. What makes the book unique is the fact that it thoroughly explains and extensively uses comprehensive Stata (plssem) and R (cSEM and plspm) packages for carrying out PLS-SEM analysis. The book aims to help the reader understand the mechanics behind PLS-SEM as well as performing it for publication purposes. Features: Intuitive and technical explanations of PLS-SEM methods Complete explanations of Stata and R packages Lots of example applications of the methodology Detailed interpretation of software output Reporting of a PLS-SEM study Github repository for supplementary book material The book is primarily aimed at researchers and graduate students from statistics, social science, psychology, and other disciplines. Technical details have been moved from the main body of the text into appendices, but it would be useful if the reader has a solid background in linear regression analysis.

The growth of the technological epoch is marked by increasingly rapid technological advances that have given rise to increasingly competitive business competition. The phenomenon that occurs due to the increasingly sophisticated technological era causes companies to try to find ways and innovations for the sustainability of their businesses, especially in the banking sector. Lack of technological access to banking is one of the problems that causes a lack of public literacy to follow the development of digitalization in order to increase customer loyalty. Therefore, it is necessary for banking efforts to start following the development of digitalization and improving its performance in order to increase customer loyalty and attract customers so that they can maximize their profits. The purpose of this study was to examine whether 1) customer trust can affect customer loyalty. 2) customer satisfaction can affect customer loyalty. 3) customer experience can affect customer loyalty. 4) service quality can affect customer loyalty. Data were obtained using a questionnaire method and processed using Partial Least Square - Structural Equation Modeling (PLS-SEM), the sample was selected using the non-probability sampling method on 140 digital bank customer respondents in Jakarta with convenience sampling techniques. The results of this study indicate that customer satisfaction, customer experience, and customer quality have a significant influence on customer loyalty, while customer trust does not have a significant influence on customer loyalty. Peningkatan pada era teknologi ditandai dengan kemajuan teknologi yang semakin pesat memunculkan adanya persaingan bisnis yang semakin kompetitif. Fenomena yang terjadi akibat era teknologi yang semakin canggih menyebabkan perusahaan berusaha mencari cara dan inovasi untuk keberlanjutan usahanya terutama di bidang perbankan. Kurangnya akses teknologi ke perbankan merupakan salah satu masalah yang menyebabkan kurangnya literasi masyarakat untuk mengikuti perkembangan digitalisasi agar dapat meningkatkan loyalitas pelanggan. Oleh sebab itu, perlunya upaya perbankan untuk mulai mengikuti perkembangan digitalisasi dan memperbaiki kinerjanya agar dapat meningkatkan loyalitas pelanggan dan menarik hati pelanggan sehingga dapat memaksimalkan keuntungannya. Tujuan dari penelitian ini adalah untuk meneliti apakah 1) kepercayaan pelanggan dapat memengaruhi loyalitas pelanggan. 2) kepuasan pelanggan dapat memengaruhi loyalitas pelanggan. 3) pengalaman pelanggan dapat memengaruhi loyalitas pelanggan. 4) kualitas layanan dapat memengaruhi loyalitas pelanggan. Data diperoleh dengan menggunakan metode kuisioner dan dioleh menggunakan Partial Least Square – Structural Equation Modeling (PLS-SEM), sampel dipilih dengan menggunakan metode non-probability sampling pada 140 responden nasabah bank digital di Jakarta dengan teknik convenience sampling. Hasil penelitian ini menunjukkan bahwa kepuasan pelanggan, pengalaman pelanggan, dan kualitas pelanggan memiliki pengaruh signifikan terhadap loyalitas pelanggan, sedangkan kepercayaan pelanggan tidak memiliki pengaruh signifikan terhadap loyalitas pelanggan.

Introduction/Main Objectives: The traditional Partial Least Squares Structural Equation Modeling (PLS-SEM) method uses an ordinary least squares regression approach that assumes that indicators must have a continuous scale. When the indicators are categorical, the use of traditional PLS-SEM becomes less appropriate. Background Problems: Multidimensional poverty consists of dimensions that are measured by a binary scale. The use of binary PLS-SEM is better than traditional PLS-SEM in modeling the effect of dimensions on social protection on Java Island. Novelty: The use of binary PLS-SEM with factor scores from the item response theory model applied to the role of dimensions of multidimensional poverty to social protection has not been carried out yet. Research Methods: This study introduces binary PLS-SEM, which is modified from traditional PLS-SEM by changing the data input using a tetrachoric correlation matrix. Finding/Results: Empirical results show that the binary PLS-SEM measurement model is better than traditional PLS-SEM. Evaluation of the structural model shows that the path coefficients of binary PLS-SEM are better than traditional PLS-SEM. Both approaches have an overall model fit. The order of multidimensional poverty dimensions that affect social protection are education, living standard, and health.

This study aims to examine the influence of the Technology Acceptance Model (TAM) and Digital Financial Literacy (LKD) on the use of fintech mobile banking among students in Palembang City. The data was collected through an online questionnaire with 111 respondents and analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM). The results show that Perceived Usefulness (PU) and LKD have a positive and significant effect on the use of fintech mobile banking, while Perceived Ease of Use (PEU) does not have a significant influence. However, LKD significantly mediates the influence of PU and PEU on mobile banking adoption. Multigroup analysis also reveals no significant differences between male and female students in adopting this technology. This study highlights the importance of digital financial literacy as a key factor in promoting the adoption of digital banking services among students. Therefore, developing digital financial literacy programs is recommended to enhance students' understanding and ability to optimally utilize financial technology.

The aim of this research was to examine factors in UTAUT2 was developed by Venkatesh et al.,(2012) (Unified Theory of Acceptance and Use of Technology2) Model which were influenced people in using mobile banking. Constructs used in this research were: performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habits, behavioural intention, and use behaviour. This research based on survey research, and data were gathered using questionnaire. The questionnaires were distributed through internet link and it was responded by 199 respondents. The population in this research are every person who used mobile banking. The sample amount used the literature which was said that if the number of arrows in the model is maximum 10, the minimum amount of samples are 91 samples. Data analysis techniques employed in this research was Partial Least Square – Structural Equation Modeling (PLS-SEM). Results from this research shows that the factors influencing use of mobile banking are habitss and behavioural intention. In other sides, factors that determine the intentions on using mobile banking are habitss and performance expectancy. Results of this research contributes to the identify the factors that should be enhanced by banks to optimize the use of mobile banking and also contributes to the banks customers to make them understand what factors influenced them most on using mobile banking. Theoretical contribution from this paper related to contribution of references about examining the factors affect use of mobile banking in Indonesia from the UTAUT2 model.

The increasing use of mobile banking indicates a change in people's behaviour in accessing financial services. However, not all users feel confident or comfortable continuing to use this service due to various personal and environmental considerations. This study aims to analyse the influence of Perceived Ease of Use, Perceived Usefulness, and Social Influence on Intention to Use, as well as the influence of Intention to Use on Actual Usage in the context of using mobile banking applications. This study uses a quantitative approach through a survey method by distributing questionnaires to 192 respondents, namely active users of BNI mobile banking services in the DKI Jakarta area. The analysis in this study was carried out using the SEM-PLS (Structural Equation Modelling - Partial Least Square) approach. From the data analysis, it was found that Perceived Ease of Use had a significant positive effect on Intention to Use, Social Influence had a significant positive effect on Intention to Use, while Perceived Usefulness had no significant effect on Intention to Use. In addition, Intention to Use had a significant positive effect on Actual Usage. This study provides very important implications for the development of bank digital service strategies, especially to increase the adoption of mobile banking among the younger generation.

Research in international business and management (IM) is highly complex, contextual, and spans various subfields and related theoretical lenses. These characteristics pose research challenges that require utilizing sophisticated research designs and methodologies. This paper and our focused issue on ‘The use of partial least squares structural equation modeling (PLS-SEM) and complementary methods in IM research’ further clarify whether and how researchers using PLS-SEM can address (some of) the challenges in IM research. We explain how researchers can benefit from the (advanced) capabilities that PLS-SEM offers; either as a stand-alone method or in triangulation efforts that leverage complementary approaches. In addition, we review the IM literature for PLS-SEM applications and evaluate whether and how researchers are already using these approaches. We identify some room for improvement when it comes to the application of both more advanced PLS-SEM capabilities and the triangulation of PLS-SEM with qualitative data analyses, and techniques such as fuzzy set qualitative comparative analyses and necessary condition analyses. For better guidance, we refer to PLS-SEM application examples in which the methodological advances are used.

Structural equation modeling (SEM) depicts one of the most salient research methods across a variety of disciplines, including educational management. Recent research advocates the use of partial least squares structural equation modeling (PLS-SEM) as an attractive tool in action research. The purpose of this paper is to systematically examine how PLS-SEM has been applied in action research with the aim of investigating the effect of teacher’s leadership styles (transformational and transaction) and student’s motivational factors (intrinsic and extrinsic) on student engagement for implementation of Communicative Language Teaching (CLT) in classrooms as well as explore the mediating role of motivational factors of student between the relationship of teacher’s leadership styles and student engagement. A cross-sectional survey design was used for the study featuring a self-administrated questionnaire among the students of some selected schools in Bangladesh. The transactional leadership style of teachers influences student engagement, intrinsic, and extrinsic motivation while the transformational leadership style of teachers influences the intrinsic and extrinsic motivation of the student. Both motivational factors mediated the relationship between leadership styles and student engagement. This study contributes to the literature by providing teachers with the updated guidelines for action research by using PLS-SEM. The study also suggests the way for increasing student engagement for CLT implementation in classrooms.

Prior literature recognizes two schools of thought on value creation in projects: one based on transaction cost economics and the other on relational-based theories. There is little empirical research on the impacts of these approaches within different project contexts. This study aims at analyzing the effect of value creation processes on the project value moderated by requirements uncertainty and project complexity, two critical contextual variables. We used a cross-sectional survey to collect data from 168 project managers in Chile. Three groups were distinguished from a cluster analysis considering the requirements uncertainty and project complexity. A proposed conceptual framework is validated globally and for each group through a multigroup analysis via partial least squares structural equation modeling (PLS-SEM). The global model results indicate an R2 of 0.37, and for the groups, the R2 ranges from 0.33 to 0.85, and the path coefficients range from 0.57 to 0.92. Additionally, the PLS-SEM multigroup analysis shows significant statistical differences. Group 3 (low complexity and low uncertainty) is different from Group 1 (high complexity and high uncertainty) and Group 2 (high complexity and low uncertainty), with p values of 0.027 and 0.023, respectively. Therefore, these empirical findings contribute to the literature demonstrating that value creation processes impact the project value. In particular, these effects are moderated by the current level of project requirements uncertainty and complexity in different contexts.

Tourists’ perceptions of risk aspects for travel destinations are one of the key elements in deciding to revisit and suggest tourism destinations. A few studies have been made on the implications and inclination of tourists revisiting and suggesting a destination. However, a theoretical foundation needs to be developed in current literature, highlighting the impact of tourist risk of halal products and services through satisfaction towards intention to recommend and continue the use of halal items. This paper aims to increase the understanding of the intention to recommend and continue the use of halal items given the identified sources of risk and the mediating role of tourist satisfaction for sustainable tourism in Klang Valley. This research examines a comprehensive model of intention to recommend and continue using halal items. Researchers conducted a study through structured questionnaires to Klang Valley tourists. The data of 461 respondents have been analysed using Partial Least Square Structural Equation Modelling (PLS-SEM). The findings show all elements of risk aspects positively influence the intention to recommend and continue the usage of halal items. Furthermore, tourist satisfaction mediates the relationship between risk aspects and the intention to recommend and continue the usage of halal items. Results from this study will help tourism providers react accordingly to the tourists' needs by understanding the importance of halal products and services in an atmosphere of commercial competition. Moreover, the findings provide insights into distinct risk perceptions that destination Tourists’ perceptions of risk aspects for travel destinations are one of the key elements in deciding to revisit and suggest tourism destinations. A few studies have been made on the implications and inclination of tourists revisiting and suggesting a destination. However, a theoretical foundation needs to be developed in current literature, highlighting the impact of tourist risk of halal products and services through satisfaction towards intention to recommend and continue the use of halal items. This paper aims to increase the understanding of the intention to recommend and continue the use of halal items given the identified sources of risk and the mediating role of tourist satisfaction for sustainable tourism in Klang Valley. This research examines a comprehensive model of intention to recommend and continue using halal items. Researchers conducted a study through structured questionnaires to Klang Valley tourists. The data of 461 respondents have been analysed using Partial Least Square Structural Equation Modelling (PLS-SEM). The findings show all elements of risk aspects positively influence the intention to recommend and continue the usage of halal items. Furthermore, tourist satisfaction mediates the relationship between risk aspects and the intention to recommend and continue the usage of halal items. Results from this study will help tourism providers react accordingly to the tourists' needs by understanding the importance of halal products and services in an atmosphere of commercial competition. Moreover, the findings provide insights into distinct risk perceptions that destination Tourists’ perceptions of risk aspects for travel destinations are one of the key elements in deciding to revisit and suggest tourism destinations. A few studies have been made on the implications and inclination of tourists revisiting and suggesting a destination. However, a theoretical foundation needs to be developed in current literature, highlighting the impact of tourist risk of halal products and services through satisfaction towards intention to recommend and continue the use of halal items. This paper aims to increase the understanding of the intention to recommend and continue the use of halal items given the identified sources of risk and the mediating role of tourist satisfaction for sustainable tourism in Klang Valley. This research examines a comprehensive model of intention to recommend and continue using halal items. Researchers conducted a study through structured questionnaires to Klang Valley tourists. The data of 461 respondents have been analysed using Partial Least Square Structural Equation Modelling (PLS-SEM). The findings show all elements of risk aspects positively influence the intention to recommend and continue the usage of halal items. Furthermore, tourist satisfaction mediates the relationship between risk aspects and the intention to recommend and continue the usage of halal items. Results from this study will help tourism providers react accordingly to the tourists' needs by understanding the importance of halal products and services in an atmosphere of commercial competition. Moreover, the findings provide insights into distinct risk perceptions that destination planners can leverage to tailor business strategies to meet the quality expectations of tourists.

Introduction. This study aims to examine the structural relationships between value, satisfaction, and behavioural intentions among adventure sports trainees through Partial Least Square Structural Equation Modelling (PLS-SEM). The constructs of service value and satisfaction have been examined as antecedents of behavioural intentions. Material and methods. The conceptual model was tested with primary data which were collected - through multistage sampling - from 230 participants of adventure sports training in Himachal Pradesh, India using Partial Least Square Structural Equation Modelling (PLS-SEM). Results. Functional value, emotional value, and novelty value were found to significantly influence satisfaction, as hypothesised, while social value and value for money had an insignificant influence on the satisfaction of adventure trainees. Satisfaction was shown to have a significant influence on the intention to revisit, the search for alternatives, and word-of-mouth referral as behavioural intentions of adventure trainees. Conclusions. This study has confirmed the significant positive influence of functional value, emotional value, and novelty value on adventure trainees’ satisfaction. Satisfaction has a direct positive influence on the intention to revisit and word-of-mouth referrals, while it has a negative influence on the search for alternatives. Satisfaction has been found to have a partial mediation effect on the relationships between the five dimensions of service value and behavioural intentions.