Account Customer Research Articles

ANALYSIS OF SALES AND SERVICE PRICING MECHANISMS FROM AN ISLAMIC ECONOMIC PERSPECTIVE

A trading activity will not escape the name of the price. Unclear prices can cause many things, for example, entrepreneurs do not like buyers and vice versa, even buyers can do something that can damage the good name of the seller or company and many other consequences. Therefore, the price really needs to be considered. This study aims to analyse the pricing mechanism and services at Latansa Gontor convection from an Islamic economic perspective. In this context, four pricing indicators according to the Islamic perspective are considered: wisdom, transparency, honesty and justice. The research method used is qualitative with an open coding approach. Data were collected through interviews with the manager of Latansa Gontor Convection as well as direct observation at the production site. The results of the analysis show that Latansa Gontor Convection successfully applies the principle of wisdom in pricing and services, this can be seen from how customers get clear information before the transaction. In addition, Latansa Gontor Convection adjusts product prices by taking into account customer needs and goals, as well as recognising the level of production difficulty in service pricing to provide appropriate compensation to employees.

JUSTIFICATION OF THE FEASIBILITY OF COOPERATION BETWEEN FREIGHT FORWARDING ENTERPRISES AND CUSTOMS-LOGISTICS INFRASTRUCTURE OBJECTS

The purpose of the paper is to plan the activities of freight forwarding enterprises when organizing cooperation with customs-logistics infrastructure objects to meet customer needs. The efficiency indicators of cargo customs complexes, customs warehouses, and temporary storage warehouses were analyzed. The process of selecting customs-logistics infrastructure objects with varying levels of organizational, technical, and technological support was investigated. The proposed development will enable specialists of freight forwarding enterprises to form recommendations for cooperation with customs-logistics infrastructure objects in accordance with individual customer needs. Methodology. The determination of technical and operational performance indicators of customs-logistics infrastructure objects was implemented based on a simulation model developed in the GPSS software environment. This approach allows for the identification of deviations of generalized performance indicators of infrastructure objects from benchmark levels, which are formed taking into account customer requirements. Findings. To ensure a high level of competitiveness of the freight forwarding enterprise, it is necessary to use modern software systems capable of implementing management decisions regarding the formation of partnerships with customs-logistics infrastructure objects. Based on the assessment of technical and operational performance indicators of cargo customs complexes, customs warehouses, and temporary storage warehouses, and considering the main requirements of service customers, it becomes possible to select the most efficient business entity for cooperation. A significant advantage of the proposed development is the ability to perform a comparative analysis of the efficiency indicators of all studied enterprises in relation to the benchmark infrastructure object. Originality. The proposed simulation model for selecting customs-logistics infrastructure objects will allow specialists of freight forwarding enterprises to make a choice of intermediary organizations based on a comparative analysis of the technical and operational performance of the studied objects. Practical value. The practical significance of this work lies in the fact that the proposed model enables the selection of the customs-logistics infrastructure object that most effectively meets the individual needs of the customer. This will make it possible to plan the work of the freight forwarding enterprise based on the implementation of organizational and management measures that will positively impact the internal processes of the organization and contribute to forming its competitive advantages in the market of freight forwarding services. This implementation will reduce the duration of freight forwarding and customs-logistics services and minimize commercial risks at all stages of foreign trade operations by establishing cooperation with the most efficient intermediary organizations.

The Role of Consumer Satisfaction in Mediating the Effect of Service Quality on Souvenir Antik Kapuas Consumer Loyalty in Central Kalimantan Province, Indonesia

This study was conducted in the field of marketing management with the objective of enhancing consumer loyalty by focusing on consumer satisfaction as a mediator. The research examines the direct and indirect effects of service quality on consumer loyalty, taking into account customer satisfaction as an intervening factor. A quantitative research approach was employed, and the target population and sample consisted of customers or individuals who had made purchases at Souvenir Antik in Dahirang Kapuas City, Central Borneo-Indonesia. The study included 100 respondents who were customers of Souvenir antik. The results indicate that service quality has a positive and significant impact on customer satisfaction. Furthermore, service quality also has a positive and significant influence on consumer loyalty. It was also found that consumer satisfaction has a positive and significant influence on consumer loyalty. The findings demonstrate that service quality positively and significantly affects customer loyalty through customer satisfaction. In future research, it would be beneficial to include market orientation as an additional variable to further expand the scope of the study.

Eco-Innovation Method for Sustainable Development of Energy-Producing Products Considering Quality and Life Cycle Assessment (QLCA)

The sustainability of products remains a challenge, mainly due to the lack of consistent approaches for simultaneously taking into account the key criteria of the concept in the process. This research aims to develop an eco-innovative QLCA method to create new product solutions that integrate quality (customer satisfaction) and environmental impact assessment throughout the product life cycle. The QLCA method includes: (i) product prototyping according to quality and environmental criteria; (ii) prospective assessment of the quality of prototypes, taking into account customer requirements; (iii) prospective life cycle assessment of product prototypes using a cradle-to-grave approach in accordance with ISO 14040; and (iv) setting the direction of product development while taking into account the fulfilment of customer expectations and the need to care for the environment throughout the product life cycle. Owing to the lack of previous research in this area, as well as the popularity of photovoltaic (PV) panels in reducing greenhouse gases, an illustration was obtained and test of the method was carried out on the example of silicon photovoltaic panel modules (Crystalline Si PV Module). In accordance with the adopted assumptions, the results of the QLCA method test showed that the modelled PV prototypes will, in most cases, be satisfactory for customers, but they still require improvement actions to reduce carbon dioxide (CO2) emissions throughout their life cycle. These activities should be consistent so as to achieve quality that satisfies customers. The QLCA method can be used by designers, managers, and decision-makers at the early stages of design, but also during the product maturity phase for its sustainable development.

Competitive Advantage in Light of AI to Achieve Innovative as a Key of the SDGS: Palestinian Insurance Industry

Objective: The study aims to shed light on the role of artificial intelligence in enhancing the competitive advantage of insurance companies listed on the Palestine Stock Exchange and as a result promoting innovation. Theoretical Framework: The study relied on the knowledge-based theory (innovative knowledge), which is difficult to replicate and helps the company become a market leader. Method: The study used a descriptive-analytical approach And correlation coefficients, with a Random sample consisting of 100 managers and heads of marketing, sales, and customer service departments. Results and Discussion: The results revealed that the overall degree of artificial intelligence in the sample companies was between moderate and high. The findings confirmed the presence of a positive, statistically significant effect of using artificial intelligence dimensions in enhancing the competitive advantage of insurance companies and therefore promoting innovation. Research Implications: Based on the aforementioned results, the study recommended expanding investment in artificial intelligence areas while adopting modern marketing approaches in dealing with policyholders. It emphasized the importance of taking into account customers' perspectives and expectations to meet their needs and desires. Originality/Value: This study contributes to the understanding of how artificial intelligence can be leveraged to enhance the competitive advantage of insurance companies, providing a strategic perspective based on the knowledge-based theory.

Is it wise for manufacturers to implement preventive maintenance in the sharing business model?

In the sharing business model, manufacturers typically increase customer usage through product design but contend with escalating failure costs stemming from heightened customer usage and moral hazard concerns. The preventive maintenance (PM) typically serves as a means for manufacturers to tackle the growing failure cost problem. However, manufacturers face the challenge of how to make PM strategies in intricate operational environments. We formulate a theoretical model to investigate when a manufacturer should implement PM, taking into account customer usage and product design. Our results suggest that when the fixed cost of PM is low and the customer moral hazard is not sufficiently high, or when both the fixed cost of PM and the customer moral hazard are at moderate levels, it is wise for the manufacturer to implement PM. We also find that the PM can lead to higher consumer surplus by increasing customer utility, achieving a win-win situation. In addition, our findings reveal a positive correlation between the PM effort and product quality, with higher PM effort leading to higher product quality and thus increasing customer usage. In extension models, we further explore the issues of maximising social welfare, non-zero maintenance time and endogenous maintenance frequency

Integration of Digital-based Banking Services on Customer Satisfaction (Study of Indonesian Islamic Banks)

The study’s population comprised 18,203 individuals who were registered customers of Bank Syariah Indonesia Labuhanbatu Selatan Regency as of December 2022. The authors decided to use a sample of 100 people because the sampling technique refers to the minimum sample size in PLS-SEM, which is 30-100 sample sizes. A purposive sampling technique was used for the sample withdrawal procedure in order to take into account customers who had saved for about six months. Techniques for gathering data include written data or primary data, interviews, and questionnaires (Google Form). The author used the SmartPLS 4.0 for the data analysis, to demonstrate any partial direct influence between the independent and dependent variables. The study’s findings are as follows: 1) variables related to Islamic banks’ digitalization partially affect banking innovation; 2) variables related to Islamic banks’ digitalization partially affect customer satisfaction; 3) variables related to banking innovation partially affect customer satisfaction; 4) variables related to banking services partially affect banking innovation; 5) variables related to banking service partially affect customer satisfaction; 6) variables related to trust partially affect banking innovation; and 7) variables related to trust partially have no positive and insignificant effect on customer satisfaction. Keywords: Islamic banking digitalization, banking services, trust, banking innovation, customer satisfaction

Pengaruh Word of Mouth Promotion dan Service Excellent terhadap Keputusan Nasabah Memilih Giro BTN di Bank BTN Kantor Cabang Bandung Timur

Based on the observation results, that the background of this research is that there has been a decrease in the number of current account customers in the last two years, this is due to poor word of mouth promotion and also service excellent that does not meet customer expectations which can affect customer confidence in taking decision. This study aims to determine the effect of word of mouth promotion and excellent service on customers' decisions to choose current account products partially or simultaneously at bank BTN Kantor Cabang Bandung Timur. The object of research in this thesis is BTN Giro customers at bank BTN Kantor Cabang Bandung Timur. The type of research is associative quantitative with primary data types and uses data collection techniques in the form of interviews, lists of statements (questionnaire), observation and literature study. While the sampling technique is non-probability sampling with purposive sampling. The population is all Current Account customers at the bank BTN Kantor Cabang Bandung Timur, totaling 838 people with a sample of 89 people. The results showed that there was a significant effect of word of mouth promotion on the decisions of BTN Giro customers at the BTN bank East Bandung Branch Office of 33.7% where the value of tcount>ttable (6.646>1.662), there was a significant influence of service excellent on customer decisions BTN demand deposits amounted to 40.3% where the value of thitun> ttable (7.656> 1.662), and simultaneously there is a significant influence between word of mouth promotion and service excellent on customer decisions choosing current account products at bank BTN East Bandung Branch Office of 52% with F test results Fcount <Ftable (46.62).

Sharia Banking Trust: Analyzing the Influence of Religiosity and Perceptions in Bank Sharia Bukittinggi Branch

Research on Sharia Bank is currently relevant due to the rapid growth of the Shariah financial industry, increasing public interest, as well as government support, focusing on factors such as customer trust and the influence of religiosity and perception on customer trust. The purpose of this study is to investigate how customer trust at the Bank Nagari Sharia Bukittinggi Branch is impacted by beliefs and religiosity. All Bank Nagari Bukittinggi City Branch customers made up the research population. The research population consisted of all customers of Bank Nagari Bukittinggi City Branch, with sampling using a purposive sampling technique which resulted in 150 respondents as samples. The analytical method used is the multiple linear analysis method. The research results show that customer religiosity does not have a significant influence on their level of trust in Bank Nagari Syariah Bukittinggi Branch. However, customer perceptions of the bank have a significant influence on the level of customer trust in the bank. This research provides an important contribution to understanding the factors that influence customer trust in Sharia banks, especially in the context of Bank Nagari Sharia Bukittinggi Branch. The results of this research can be a basis for the bank to improve its service and communication strategies to customers, by taking more into account customer perception factors.

Multilevel Value Co-Creation Within Key Accounts

Optimizing complex service partnerships requires an understanding of multilevel value co-creation processes in a customer-supplier ecosystem. Such strategic business-to-business relationships impact supplier costs and revenues, necessitating dedicated personnel across hierarchical levels to co-create value. The authors study the customer-supplier ecosystem intra-organizationally across firm levels to understand value expectations and orientations, and extra-organizationally to identify supplier harmonization strategies for managing multilevel value co-creation. Empirically, the authors conduct a multilevel-multisource qualitative case study within a strategic partnership, with a service contract valued at over $100 million per year, that includes senior- and frontline-level interviews in the key account customer organization (32 participants) and supplier organization (22 participants). The analysis focuses on how institutions, spanning contracts, and behavioral norms within the business-to-business customer-supplier ecosystem, govern actions and aspirations. Findings typify the nature of divergent value expectations between customer hierarchies along with level-specific co-creation orientations. As future prognosis hinges on harmonizing practices and institutions to address discrepancies in value visibility across customer levels, such an assessment also enables actionable strategies to enhance reengagement. The findings collectively offer theoretical implications for key account management (KAM) research, influencing areas such as professionalization of KAM, effectiveness in KAM, and network dynamics within KAM.

Mail back or in-store dropoff? Optimal design of product-exchange policies in omnichannel retailing systems

Online retailing has been booming over the past several years as people grow increasingly comfortable with it and accustomed to its ease and speed. A major drawback of online retailing is the lack of consumer–product interaction before a purchase is finalized, which often leads to consumer dissatisfaction due to mismatched expectation of the received product. In response, retailers usually promise that online orders may be returned or exchanged free of extra charges, which can be processed either online (e.g., by mail) or onsite i.e., in-store dropoff. In this work, we study the implications of both online and onsite exchange policies in the setting of a queueing model that offers omnichannel services. Taking into account customers’ behavioral responses to these policies, we aim to inform the retailer of the one that generates a higher system revenue. Our results reveal that the online exchange policy is a double-edged sword: On the one hand, it helps eliminate the inconvenience cost for exchange customers to revisit the store; on the other hand, it can trigger more feedback orders and render a higher system congestion level, which in turn, deters future customers from placing orders. Specifically, we discover that online exchange becomes an inferior policy relative to in-store exchange when the market size is large.

Regulation and Technology Innovation in Support of Comprehensive Customer Experience in the Banking Industry in Kediri

Finalidade: The finalidade of the study is to investigate the influence of regulation and technology innovation on the comprehensive customer experience in the banking industry in Kediri, East Java. Purpose: The purpose of the document is to present the results and discussion of a study conducted on the regulation and technology innovation in support of comprehensive customer experience in the banking industry in Kediri. The document aims to test and develop a policy model suitable for several banks in Kediri City, East Java, and provide views and policy models that can be applied to other banks to improve the comprehensive banking experience for customers. Theoretical framework: The theoretical framework of the study is based on the Regulation and Technology Innovation in Support of Comprehensive Customer Experience in the Banking Industry in Kediri. It focuses on the influence of regulation and control of customer account security, monitoring the digital banking experience, and the need for continuous technology service innovation on the comprehensive banking experience in the four banks in Kediri City. This framework is supported by previous research that discusses the importance of regulatory resilience, basic security design of internet banking models, and sustainability relations. Additionally, it aligns with studies that explore barriers to innovation and change, online reviews and product sales, and factors affecting bank customers' usage of electronic banking. Methods: The method used in the study is an associative research design and proportionate stratified random sampling technique. This approach allowed the researchers to analyze the influence of regulation and technology innovation on the comprehensive customer experience in the banking industry in Kediri, East Java. The study involved collecting data from customers of four banks in Kediri and conducting statistical analysis to determine the impact of regulation, control of customer account security, monitoring of digital banking experience, and technology service innovation on the comprehensive banking experience. The findings from the analysis were used to recommend strategies for banks to improve customer experience and security. Findings: The findings of the study indicate that regulation and control of customer account security and monitoring the digital banking experience have a significant positive influence on the comprehensive banking experience in Kediri, East Java. However, the need for continuous technology service innovation and minimizing customer identity theft did not have a significant effect on the comprehensive banking experience. The study recommends strategies for banks, such as implementing new technological innovations, introducing fraud simulations, and strengthening security systems, to improve the comprehensive banking experience for customers. These strategies aim to increase the attractiveness of features, minimize customer identity theft, and provide a more secure and efficient banking experience. Overall, the recommended strategies can help banks create a more comprehensive customer experience and increase customer confidence in banking services. Practical implications: The practical implications of the study include the recommendation for banks to implement new technological innovations, introduce fraud simulations, and strengthen security systems to improve the comprehensive banking experience for customers. Additionally, the study suggests the importance of continuous security protection with best-in-class data management and the need for government awareness to consistently socialize victimization in the banking business. These practical implications aim to increase the attractiveness of features, minimize customer identity theft, and provide a more secure and efficient banking experience for customers. Overall, the recommended strategies can help banks create a more comprehensive customer experience and increase customer confidence in banking services. Originality/Value: The originality and value of the study lie in its focus on the specific context of the banking industry in Kediri, East Java, and its emphasis on the influence of regulation and technology innovation on the comprehensive customer experience. The study's findings provide insights into the specific factors that significantly impact the banking experience in this region, highlighting the importance of regulating and controlling customer account security and monitoring the digital banking experience. Additionally, the study's recommendations for banks to implement new technological innovations, introduce fraud simulations, and strengthen security systems offer practical strategies for improving the comprehensive banking experience for customers. Overall, the study contributes to the existing literature by providing a policy model that can be applied to other banks to enhance the customer experience and security in the banking industry.

The Practice Of Strategic Management Accounting In Public Sector Indonesia

Market orientation, cost leadership strategies, strategic management accounting practices, competitor accounting, and customer accounting of village-owned enterprises in Indonesia were the focus of this study's effort to identify empirical evidence of a causal link between them. Village-owned businesses in Indonesia and the role manager of those businesses are the subjects of this quantitative study. Applying SMA practice-competitor Accounting and SMA practice-customer Accounting in supported Village Owned Enterprises in Indonesia is positively impacted by market orientation and cost leadership strategies. This paper offers empirical proof that SMA Practice-Customer Accounting and SMA Practice-Competitor Accounting have been created and implemented in Indonesian village-owned businesses, with implications for theory. These findings corroborate the contingent hypothesis, which holds no universally applicable rules.

Practical Aspects of Hotel and Restaurant Business Development in Ukraine Based on the Use of the jSolutions Restaurant Module

The article conducts a practical study of the aspects of the development of the hotel and restaurant business in Ukraine and reviews the jSolutions module «Restaurant». Its functionality, main characteristics and advantages in comparison with other software solutions for the restaurant business (RB) are described. The main aspects of the dynamics of development of the RB are allocated, which includes: introduction of POS-systems; online ordering and delivery; use of CRM systems; analytics and Big Data; social media and digital marketing; virtual and augmented reality (VR/AR), kitchen automation and inventory, cybersecurity. A list of functions provided by the jSolutions module «Restaurant» is provided. It is noted that the module consists of two parts: BACK OFFICE and FRONT OFFICE. BACK OFFICE allows users to create calculation cards, create menus, set up outlets for implementation in FRONT OFFICE, works with invoices and orders. It is also possible to set up a discount or bonus system for visitors to the establishment. Users of FRONT OFFICE are bartenders, cashiers or administrators who work in TouchScreen mode, taking orders from visitors, creating invoices and settling customers. The module includes 4 TouchScreen modes, each of which is designed for different aspects of work, namely: automation of the cook’s workplace (the cook can mark the preparation of each dish to order, which helps to optimize the process of work in the kitchen and ensures timely processing of orders); TouchScreen self-service (the interface allows users to independently create orders from the menu without the help of a waiter, cashier or administrator); Cashier’s TouchScreen (the interface allows the bartender, cashier or administrator to create a customer account and make payments on this account); Waiter’s TouchScreen (the interface is used to record food orders and their delivery). Such additional unique functions of the jSolutions «Restaurant» module as «Cash Collection», «Cancellation of Bills», «Table Reservation», «WEB-Interface for Ordering Meals» (the functionality is intended for registration in the database of food orders in places where the desktop version of jCatering is not installed), «Mobile version of the waiter’s workplace», etc. Attention is focused on the fact that IT significantly affects the increase in restaurant revenues due to the optimization of operations, improvement of the quality of service, effective marketing and expansion of sales channels. Investing in modern IT solutions will help restaurants stay competitive, improve operational efficiency, and ensure sustainable revenue growth.

THE CONCEPT OF CUSTOMER COST ACCOUNTING IN CUSTOMER RELATIONSHIP MANAGEMENT

In any enterprise, the customer plays a key role as the main “provider” of revenue. The profitability of a particular enterprise depends on appropriate customer relations. Profitable customer relations are crucial for conducting and continuing business. The purpose of this article is to present the author’s concept of customer cost accounting, which will effectively support decision-making in optimizing customer relations. The main basis for the conceptual work on the customer account is research conducted on 178 companies, the results of which clearly indicated the need to analyze the profitability of customer relationships. The research used a survey questionnaire and statistical tools. First, basic statistical measures were applied. Non-parametric tests were used to evaluate the relationships between variables: Pearson’s chi-square test, Spearman’s rank correlation, and the Kruskal-Wallis ANOVA test. Through the research, three theses were falsified and confirmed.

The Christ-Centered Company: 37 Biblical Business Habits to Build a Thriving Company That Honors God and Blesses the World

Most working-aged individuals (85%) are employed in for-profit companies. Unfortunately, many Christian business people are tempted to embrace business practices that fail to glorify God. In The Christ Centered Company, Darren Shearer seeks to help Christian business people develop mature companies centered on Christ and His Word. According to Shearer, Christ-centered companies are “value-making, profit-producing, and law-abiding” organizations that spread God’s glory through the practice of 37 Christ-centered business habits (p. 3). The author devotes a chapter to examining each habit. They are categorized according to seven major topics: corporate purpose and culture, marketing and customer care, accounting and accountability, people management, business law and conflict, risk management, and philanthropy.

Improving Products Considering Customer Expectations and Life Cycle Assessment (LCA)

Abstract Dynamically identifying key product changes is a challenge for enterprises. It is even more complicated if companies strive for the sustainable development of their activities. Therefore, the aim of the article was to develop a method to help predict the direction of product improvement, taking into account its quality level and environmental impact during the life cycle (LCA). The method was based on the design phase of LCA and the process of obtaining and processing customer expectations. Techniques supporting the developed method were: a questionnaire, a seven-point Likert scale, a standardised list of criteria for assessing the product life cycle, the WSM method, and a scale of relative states. The product analysis was carried out according to modified criteria states, which were evaluated according to: i) customer satisfaction (quality criteria), ii) environmental impact of LCA (environmental criteria), and iii) importance of quality and environmental criteria for customers. The originality of the method is to support the product improvement process to make it environmentally friendly within LCA and, at the same time, satisfactory to customers in terms of quality. The method will be used mainly by SMEs that want to initially predict the environmental impact of a product, including taking into account customer expectations.

The external organizational environment and its impact on strategic management accounting practices: an empirical investigation

PurposeThis study aims to investigate the impact of organizational external environmental factors on strategic management accounting (SMA) usage in an emerging economy.Design/methodology/approachThe study collected data from 79 public limited companies listed with the Dhaka Stock Exchange (Bangladesh) through a questionnaire survey. Multiple regression analysis is employed to test the impact of external environmental variables such as perceived environmental uncertainty and intensity of competition on SMA usage.FindingsThe study finds a significant positive impact of environmental uncertainty (fluctuation in the external environmental factors) and intensity of competition (domination by few companies) on SMA usage. However, the direction and magnitude of this impact vary considerably for specific groups of SMA practices such as costing, competitor accounting, customer accounting and planning and performance measurement techniques.Originality/valueThis study shows the impact of several facets of environmental uncertainty (i.e. unpredictability, fluctuation, ambiguity, lack of information and uncertainty of the outcome of decision) and intensity of competition (i.e. stressfulness and domination) in the empirical-based SMA research.

Multiproduct Dynamic Pricing with Limited Inventories Under a Cascade Click Model

Problem definition: Designing effective operational strategies requires a good understanding of customer behavior. The classic economic theory of customer choice has long been the paradigm in the operations literature. However, the rise of online marketplaces such as e-commerce has triggered considerable efforts in academia and industry to develop alternative models that not only provide a good approximation of customer behavior but also are easily scalable for large-scale implementations. In this paper, we consider a multiproduct dynamic pricing problem with limited inventories under the so-called cascade click model, which is one of the most popular click models used in practice and has been intensively studied in the computer science literature. Methodology/results: We present some fundamental results. First, we derive a sufficiently general characterization of the optimal pricing policy and show that it has a different structure than the optimal policy under the standard pricing model. Second, we show that the optimal expected total revenue under the cascade click model can be upper bounded by the objective value of an approximate deterministic pricing problem. Third, we show that two policies that are known to have strong performance guarantees in the standard revenue management setting can be properly adapted (in a nontrivial way) to the setting with cascade click model while retaining their strong performance. Finally, we also briefly discuss the joint ranking and pricing problem and provide an iterative heuristic to calculate an approximate ranking. Managerial implications: Taking into account customers’ click-and-search behavior leads to different structures of the optimal pricing policy, and some common insights under the standard pricing models may no longer hold. Moreover, our simulation studies show that pricing under a (misspecified) classic choice model that is oblivious to customers click-and-search behavior can severely impact profitability. Supplemental Material: The online appendix is available at https://doi.org/10.1287/msom.2021.0504 .

The Influence of Personal Selling and Education on Customer Interest in iB Maslahah Current Account Products at Bank BJB Syariah KCP Arcamanik.

Based on the results observations, the background of this research is the lack of personal selling and the lack of education conducted at Bank BJB Syariah KCP Arcamanik, causing a lack of interest in current account products at the Bank. This study aims to find out how the influence of personal selling on customer interest in iB Maslahah current account products at BJB Syariah KCP Arcamanik bank partially and simultaneously. The object of research in this report is the interest of iB Maslahah current account customers at the BJB Syariah KCP Arcamanik bank. The type of research is quantitative associative, with primary data type and using data collection techniques in the form of observation, interviews, literature study, and questionnaires. While the sampling technique is incidental sampling, with a population of 173 people with a sample of 63 people who are iB Maslahah current account customers. The results of the study showed that there was is an insignificant effect between personal selling on the interest of current account customers at Bank BJB Syariah KCP Arcamanik by 9,9% with the results of the t-test where the value of t count>t table (2,572 > 1,670), there were There is a significant influence between education on customer interest in demand deposits at Bank BJB Syariah KCP Arcamanik by 4,4% with the results of the t-test where the value of t count>t table (2,497 > 1,670), and simultaneously there is a significant influence between personal selling and education on customer interest in the iB Maslahah current account product at Bank BJB Syariah KCP Arcamanik by 67% with the results of the F test where the value of f¬count->f¬¬table (4,927 > 3,15).