Customer Decision Research Articles

Impact Of UPI Transaction on Purchasing Decision of Customers: A Survey in Chennai City

In today’s digital age, the Unified Payments Interface (UPI) has significantly transformed consumer purchasing behavior, making transactions more seamless and efficient. This study investigates the impact of UPI transactions on customers' purchasing decisions in Chennai, analyzing awareness, usage patterns, and the role of demographic factors. Data collected from 121 respondents reveal a high awareness and adoption rate of UPI, with a substantial portion of participants preferring UPI over cash for everyday purchases. Regression analysis indicates a strong positive correlation (r = 0.65, p < 0.01) between UPI transaction frequency and consumer purchasing activity. Additionally, age and income are shown to significantly influence UPI usage. The findings highlight UPI’s role in enhancing consumer convenience and security while promoting more frequent and impulsive buying behavior. The study offers insights for marketers and policymakers to leverage digital payment trends for improved consumer engagement.

Influence of Sustainability Concern in the Purchase Decisions of Customers: A Study on Electronic Goods

Understanding how sustainability issues influence customer choices has become critical for sectors like electronics that have a significant environmental impact. This study looks at how customer choices in the electronic goods market are impacted by sustainability condition such energy efficiency, recyclability, product lifespan, and corporate social responsibility (CSR). This study investigates which sustainability features customers value most and how they react to sustainable product offerings utilizing a questionnaire. The results emphasise how critical environmentally friendly practices are in consumer electronics and provide producers data on how to match their goods to the growing demand from consumers for viable solutions

PENGARUH PROMOSI DAN KUALITAS PRODUK KCA (KREDIT CEPAT AMAN) TERHADAP KEPUTUSAN NASABAH PADA PT PEGADAIAN (PERSERO) UNIT PANARUKAN DENGAN KEPUASAN NASABAH SEBAGAI VARIABEL INTERVENING

From time to time, public demand for credit increases. The PT Pegadaian (PERSERO) financial report stated that turnover and outstanding loans for each type of credit experienced growth from the previous year, thereby increasing capital rental income. This provides an opportunity for PT Pegadaian as an alternative to provide credit services to low-income groups of people who lack credit facilities from bank financial institutions. PT Pegadaian (Persero) provides credit very easily and quickly. One of the credit services provided to the public at pawnshops is a product called KCA. KCA is a superior product that is respected by the public. In general, the aim of this research is to describe, prove and analyze the influence of promotions and KCA product quality on customer decisions through customer satisfaction at PT Pegadaian (Persero) Panarukan Unit. The variables used are promotion, KCA product quality, satisfaction and customer decisions. The type of research is quantitative research. The research sample was collected using a purposive sampling method of 105 customers who had chosen more than one KCA product. The analysis tool used is path analysis. After conducting path analysis, it was found that promotion and product quality had a significant direct and indirect effect on customer decisions through satisfaction.

Analysis Of The Marketing Mix And Its Influence On Purchasing Decisions On The Prasetya Products

This study aims to identify, study and analyze the marketing mix of The Prasetya and The Influences in Customer Decisions to by product of The Prasetya. This study used qualitative research methods, with data collection techniques observation, interviews and explore theh types of open-ended questions where information is free to provide in depth information to be used as research data. The data analyzed is the result of interviews with employees, customers and experienced human resourch of UMKM using analyctical techniques including data reduction, data presentation and levers or cunclusions. The result of this study that marketing mix of The Prasetya has been able to influence consumer purchasing decisions and increase sales turnover and customers always make repeat purchases for the product and also increase the company's profits so that the company's goals can be achieved.

The Effect of Convenience on Customer Loyality of PT. Pegadaian Malalayang Branch

The purpose of this study is to ascertain how convenience affects client loyalty. In addition to analyzing the relationship between the impact of convenience in physical branches and the impact of ease of service through digital platforms on customer loyalty at PT. Pegadaian Cabang Malalayang, the degree of convenience provided by the company influences the customer's decision to keep using the service. A questionnaire is used in this study's quantitative methodology to collect data. The findings indicate that Customer Loyalty (Y) is significantly impacted by the Convenience variable (X). Tests for validity and reliability make sure the tools are reliable and valid. Convenience has a significant positive coefficient, according to a basic linear regression study, indicating that raising those qualities will raise customer loyalty. At PT Pegadaian Cabang Malalayang, convenience has a major impact on customer loyalty. The results of the F and T tests corroborate this fact.

THE UTILIZATION OF STRUCTURAL EQUATION MODELLING TO DETERMINE CASUALITY ON CONSUMER DECISION OF E-WALLET

One of the technological innovations that exemplifies transactional innovation is the use of an E-Wallet as a means of carrying out financial transactions. This invention enhances transactional ease and quickness. The E-Wallet is the most popular means of financial transaction among the general population. The traditional marketing mix has developed into the product, price, place, promotion, personalization, privacy, customer service, community, site, security, and sales promotion (4Ps+P2C2S3). These criteria are used to evaluate their efficacy in persuading customers to adopt an E-Wallet. Structural Equation Modeling (SEM) is used to assess the causal link between e-marketing mix items and customer decisions to use E-Wallet. SEM provides the core capability of validating the validity and reliability of procedures such as Confirmatory Factor Analysis (CFA). by investigating the pattern of linkages between latent variables and showing them with route diagrams. This study employed 200 E-Wallet users in Palembang for modeling. with the criterion of having one of the E-Wallet programs on a smartphone and having used the application at least once. According to the results of the consumer response processing. all constructs have Cronbach's Alpha (CA) > 0.60, indicating that all constructs are valid for use in measurement. As do the Average Variance Extracted (AVE) and Composite Reliability (CR) values > 0.70, indicating that the construct explains more than half of the variance coming from the indicators. Furthermore, we show the results of evaluating the causal relationship between endogenous construct elements that influence customer decisions, such as location, security, and sales promotion.

Pengaruh Literasi Keuangan Syariah terhadap Keputusan Nasabah dalam Memilih Cicilan Kendaraan Islami

This study aims to analyze the influence of Islamic financial literacy on customer decisions in choosing Islamic vehicle installments in Indonesia. Using a quantitative approach, a survey was conducted on several respondents in five major cities in Indonesia. The results showed that the level of Islamic financial literacy has a significant positive influence on customer preferences for choosing Islamic vehicle installments. Logistic regression analysis revealed that every one-point increase in the Islamic financial literacy score increases the odds of choosing Islamic vehicle installments by 4.9%. Demographic factors such as age, education, and income also have a significant influence. These findings highlight the importance of efforts to improve Islamic financial literacy as a strategy to encourage the adoption of Islamic financing products. Practical implications include the need for targeted education programs, improved product communication, and innovation in the development of competitive Islamic financing products.

Factors Affecting Intention to Make Purchasing Through E-Commerce in Indonesia

Electronic commerce, or "e-commerce," is the term used to describe all sales and purchases made using electronic media, mostly websites and applications. With the growth of digital interactions, it is more important than ever to understand the subtleties of e-commerce purchasings. With an emphasis on Indonesia, where online purchase is becoming more and more popular, this study attempts to pinpoint the critical factors that affect customers' decision to interact with e-commerce platforms. This study looks at the variables impacting customer behaviour in the platforms using a quantitative research methodology. The results, which cover social risk, financial risk, product risk, and social impact, are important components. When it comes to purchasing, trust is an important consideration, especially in a market where worries about online fraud are prevalent. Furthermore, studies show that an easy-to-use interface increases the probability that customers will make a purchase since it promotes trust and contentment. The variety of products offered and the allure of pricing packages impact customer decisions as well, highlighting the necessity for e-commerce suppliers to adopt a holistic strategy. The research provides an overview of Indonesia's e-commerce scene and makes suggestions for merchants looking to improve consumer happiness and build a strong online presence

E-COMMERCE-AN INSIGHT INTO IMPACT OF ONLINE REVIEW ON CUSTOMER BUYING BEHAVIOUR

The trend of shopping in the minds of the customer is changing frequently. At present shopping practice transformed from traditional way to online shopping , which enables the customer to buy the product as per their requirement without any constraints of time , place payment method, brand and product types. Online shopping have created an huge impact on customer buying behaviour because of this 4 factors i.e on source credibility, volume, language with comprehension and relevance. Earlier the majority of the customers were depend on word of mouth method to collect information regarding product which was influencing their buying decisions. But now because of e-commerce, online shopping majorly online customer review format, played an important role in influencing customer 's buying decisions. To fill the research gap we have collected data through questionnaire from the customers those who do online shopping. For effective research outcome both primary data and secondary data is used. Primary data collected through structured questionnaire. This research paper is based on critical examination of the study which reflected the result as per the objectives . The study was mainly focused on the impact of online reviews towards customer buying decisions. through this study it is realised that majority of the public are influenced by online reviews for all types of the products and at present online reviews are creating huge impact towards customer buying behaviour . KEY WORDS: Online shopping , Online review, Word of mouth, Customer buying decisions

The Influence of Service Quality and Brand Image on Customer Satisfaction and Customer Loyalty at the Pratama Marga Ayu Clinic in Badung, Bali

This research investigates the impact of service quality and brand image on customer satisfaction and customer loyalty at the Pratama Marga Ayu Clinic in Badung, Bali. Using SPSS and Smart-PLS for analysis, the study reveals that both service quality and brand image significantly and positively affect customer satisfaction, which in turn influences customer loyalty. Additionally, customer satisfaction mediates the relationship between service quality and customer loyalty. The findings highlight the importance of enhancing service quality and brand image to foster higher customer satisfaction and loyalty. The research concludes with practical suggestions for improving service and brand image, including increasing healthcare personnel, enhancing branding efforts, and implementing customer loyalty programs. Future studies are recommended to explore other influencing factors such as product reviews, location, and social media marketing to further enrich the understanding of customer decision-making.

The Effect of Social Media Influencer on Brand Switching Behavior of Millennial and Generation Z

This study examines the effect of social media influencers on brand switching behaviors among Millennials and Generation Z in urban areas of Nepal, specifically focusing on the major cities of Kathmandu and Lalitpur. A sample size of 150 respondents was determined using the rule of 1:10. Data were analyzed using regression analysis to assess the relationships between social media influencers and brand switching. The findings indicate that social media influencers play a significant role in influencing customer decisions regarding brand switching. In contrast, opinion leaders and celebrities did not show any significant influence on this behavior. This suggests that social network users, particularly younger consumers, have a substantial impact on brand switching behaviors. The study also highlights the prevalent use of social media among younger demographics, particularly on platforms like Instagram, reinforcing the importance of social media in shaping consumer choices and opinions. The results have important implications for businesses operating in the digital age. By effectively leveraging social media influencers, companies can better tap into the preferences and motivations of Millennials and Generation Z, ultimately fostering brand loyalty and trust. Overall, this research contributes to the understanding of the dynamics between social media influencers and consumer behavior, emphasizing the need for businesses to adapt their marketing strategies to engage effectively with younger consumers in an increasingly digital marketplace.

Exploring the influence of online restaurant promotions on consumer behavioral intentions

PurposeConsumer behavior is evolving rapidly due to the increasing role of technology in daily life. Online food ordering has emerged as a key channel in this changing landscape. This paper investigates the relationships between online promotions, consumer skepticism, information sharing on social media and the intention to purchase food and beverages through online delivery services.Design/methodology/approachMeasures were developed based on a review of existing literature. Data from 402 participants were analyzed using Structural Equation Modeling (SEM).FindingsThe study reveals that online promotions significantly impact consumers' sharing of restaurant posts. Additionally, consumer skepticism about online food sales affects both their sharing behavior and their intention to purchase online. Engagement in sharing restaurant posts online is a strong predictor of online food purchasing intentions.Practical implicationsThe findings offer valuable insights for restaurant operators, policymakers and technology developers in the competitive online food delivery sector. They emphasize the importance of implementing innovative promotions and crafting appealing food presentations. These strategies can accelerate customer decision-making, attract new customers and contribute to market expansion and customer base sustainability.Originality/valueThis research provides significant insights for restaurant owners and contributes to the limited literature on online promotions, consumer skepticism and information sharing in the restaurant industry. It also lays the groundwork for future studies aimed at deepening understanding in this field.

Impact of over-the-top video providers on viewing satisfaction and its effect on watching a movie in cinema: Bridging preferences and challenges

Netflix, Disney Hotstar, Amazon Prime, and VIU are projected to abolish cinema due to fierce competition. Traditional cinema businessmen blame the COVID-19 pandemic for exacerbating cinema's collapse. Streaming services are more like websites than TV and movie theatres in terms of distribution and accessibility. Streaming platforms provide users more control over content selection and consumption, changing how they watch TV and films. This study compares OTT video provider viewing pleasure to cinema viewing satisfaction. Satisfaction is essential to understanding customer decisions and entertainment. Analysing and comparing both mediums' satisfaction levels will reveal what influences viewers' tastes and entertainment choices. This survey-based investigation was quantitative. OTT users and cinemagoers in Greater Jakarta (Jakarta-Bogor-Depok-Tangerang-Bekasi) were surveyed. June 2024's survey. This study compares OTT and cinema viewing satisfaction. 148 respondents were used in this investigation. This study sheds light on the changing dynamics between OTT video providers and traditional cinema experiences. The research will also help industry practitioners understand viewers' preferences and optimise their offers to increase satisfaction and competitiveness. This study compares OTT video providers' viewing satisfaction to cinema experiences to better understand viewers' leisure preferences. The findings will help industry players decide on content generation, distribution, and user experience improvements. This study contributes to the discussion over entertainment consumption's future and customer pleasure.

The beauty of tipping: customer decision-making during COVID-19 in African beauty salons

ABSTRACT Research has been limited to investigating tipping in other hospitality industries, while ignoring beauty salons. The objective of this study is to present tipping behaviours in the context of beauty salons in two ways: first, by examining tip predictors; and second, by looking at the amount customers are willing and able to offer as tips. We employed a binary response strategy and a limited dependent-variable approach to test several factors with the use of STATA 17. Results show that tipping depends on service quality, individual social approval, future expectations, religious beliefs, the educational level of the consumer and a customer’s income level. Likewise, the loss of work or sources of income caused by COVID-19 reduces the probability of tipping and, because of health measures and social distancing during COVID-19, people’s tipping decisions and tip amounts increase. Thus, beauty salon practitioners (customers, stylists and managers) should keep their services up-to-date to attract more tips, and customers should not feel embarrassed when they do not have the ability to tip.

I Bond, I Engage, I Visit: Investigating the Effects of Vloggers Tourist Engagement and Its Outcome on Tourist Attitudes

The present study investigates the effectiveness of tourism vlogs (video blogs), the parasocial bonding between the vloggers and the tourist/prospect and the wishful identification of the tourist/prospect on the different components of engagement namely, affective, cognitive and behavioral. The study also inspects the subsequent effect of the components of engagement on visit intentions and electronic word of mouth. We adopted a mixed method approach involving two focus group discussions followed by a sample survey of 541 respondents from India to construct and validate the study hypotheses using structural equation modeling. The findings indicate a differential effect of parasocial bonding and wishful identification on the components of consumer engagement. Likewise, engagement components are observed to have differential effects on visit intentions and electronic word of mouth. This study extends the application of social learning theory to tourism by offering a novel perspective on how interactions with travel vlogs collectively shape customer decisions and travel intentions. Tourism marketers can capitalize on the impact of parasocial interactions and wishful identification with travel vloggers to enhance engagement and boost the dissemination of electronic word-of-mouth.

Simulation of Discovering Market Opportunities Using AI Methods

Due to the strong turbulence that exists in the business environment, the view is sometimes articulated that the time horizon of decisions is no longer a hallmark of strategic management. Opposing views argue that a turbulent environment changes the trajectory of reaching future objectives determined by strategic decisions. Such trajectories require the company to be agile, which is manifested by seizing opportunities. Opportunities arise because the environment is volatile. An example of market opportunity is the unsatisfied demand for products. Buyers are driven by different motives when choosing between products that are alternative to them. From the producer's point of view, the purchase is therefore random. As a consequence, the alignment of the offered product portfolio with the actual purchasing decisions of customers is undetermined. In this article, we address the problem of determining the product portfolio structure expected by customers, i.e. one that is consistent with their future purchasing decisions. We hypothesise that this problem can be represented by a model of flows between alternative resources. Problems of this type are solved using Markov Chain Monte Carlo (MCMC) methods. In order to discover the expected demand (opportunity), we simulated the flow model we developed using the Metropolis-Hastings algorithm, which is a special case of the MCMC method used in AI. Due to operating on numerical data, such simulations fall under quantitative research. In the article, we present a model of customer flows between alternative products and then the simulation result, which is the expected value of these flows (stationary point). We convert this value into the structure of the product portfolio using a model of customer purchasing decisions that we have developed. The obtained results confirm the effectiveness of our method and have significant practical value, especially for SMEs. It also enables the assessment of the company's product strategy based on real sales data. The application of our methodology is limited to discovering opportunities in situations where purchasing decisions are influenced by variable environmental factors, causing irregular purchases by individual customers. It is useful, for example, in discovering opportunities in markets such as Household Articles, Furniture, Vehicles, Equipment Repairs, Construction, and many others.

Analysing the Correlation between Social Media Marketing and Consumer Purchase Behaviour

This study analysis of social media marketing includes use of platforms to communicate with consumers, promote items, and influence their decisions. The process by which customers choose which products or services to purchase is known as consumer purchase behaviour. Data was provided for this study, which observed exactly how social media marketing distresses customer buying behaviour, by consuming 350 participants, 150 marketers, and 200 customers. It is understood that many social media marketing features distress and unfair customer decisions. Hypotheses remained established to observe the relationships between commitment to social media marketing content, frequency of commercials, influencer content, and various social media platforms with consumer purchase behavior. Using SPSS logistic and linear regression analyses remained engaged to evaluate these relationships. Results expose that arrangement with social media marketing comfortable and influencer content positively moves buying behaviour. Linear regression analysis verifies these outcomes, proving the power of these relationships and the importance the effect of standard buying behavior. As that, the study delivers proposals concerning the way to use social media marketing approaches to increase consumer appointment and sales. Based on these insights, the study recommends optimizing social media marketing techniques to maximize customer interaction and improve financial outcomes.

Adaptive incentive mechanism with predictors for on-time attended home delivery problem

The widespread use of the Internet and smart devices has led to a fast growth in online shopping, offering new chances for online retailers to boost profits. However, this expansion has also brought various challenges, such as the heavy workload faced by delivery riders. To meet customers’ delivery time preferences and increase earnings, riders often work long hours, especially during busy periods. This study explores how historical delivery data can be used to balance workload in on-time attended home delivery. Drawing on the actual delivery operations and data of an online shopping platform, we propose a framework that combines delivery demand and customer behavior predictors with an adaptive incentive system to balance rider workload. Specifically focusing on same-day attended home delivery, we introduce a method to forecast future delivery demand, an algorithm to estimate customer choice behavior using a simple model, and an adaptive incentive system to influence customer decisions and achieve workload balance. We show that as order volume increases, the proposed incentive system achieves the pre-determined workload target. Using real data, we conduct numerical experiments which not only underscore the superior predictive performance of our models but also affirm the efficacy of the proposed incentive structure.

Investigating Factors Affect Perceived Value And E-Word Of Mouth (E-WOM) In Choosing Islamic Digital Banks

The Covid-19 pandemic has sped up the need for digitalization in doing daily activities including banking. Thus, banks is now in competition to give the best digital platform to serve their customers. One of the most effective form of promotion to introduce a new services is word of mouth. This study aims to investigate the effect of E-word of mouth (E-WOM) on customer decisions to choose an Islamic Bank: A Case Study of Indonesia’s Islamic Digital Banks. This research includes survey research by taking samples and using questionnaires as the main data. The study targetted 130 customers who have active accounts in the form of savings or time deposits. Primary data processing by factor analysis by testing the research model and the hypothesis of the relationship between variables, this processing uses smart PLS statistical software with the Structural Equation Modeling method with Partial Least Squares. The results of the analysis show that religious motivation and service quality have a positive effect on consumer ratings, where consumer ratings and service quality have a positive effect on E-word of mouth while convenience has no positive effect on consumer ratings and E-word of mouth on respondents. The current study contributes novelty to adjust the existing model with Islamic Digital Bank (IDB).

Pengaruh Lokasi Terhadap Keputusan Menjadi Nasabah di Bank BSI KCP Pasar Aur Bukittinggi

This research is motivated by competition in the banking world. Where Sharia banks are required to be able to influence society with their advantages. With the support of this strategic business location, consumers can make more decisions to become customers at BSI KCP Pasar Aur Bukittinggi. The aim of this research is to find out how much influence location has on the decision to become a customer at BSI KCP Pasar Aur Bukittinggi. This research uses quantitative methods. The data collection technique uses a questionnaire. Sampling in this study used Rao Purba with a sample size of 96 people. The tests used include, Descriptive Analysis, Pre-Research Test (Validity Test and Reliability Test), Classic Assumption Test (Normality Test, Multicollinearity Test and Heteroscedasticity Test), Simple Linear Regression Analysis Test, and Hypothesis Test (t-Test, F Test and R2 test) assisted with SPSS 20. The results of this research partially show that location has a significant influence on customer decisions with a calculated value of tcount ≥ ttable (8.307 ≥ 3.380). Based on the results of research tests using simple linear regression analysis techniques, it can be stated simultaneously or together that there is a positive and significant influence with a significant F value of 0.000 ≤ 0.05. The test value of the coefficient of determination (R2) has an influence of 0.423 or 42.3% on customer decisions, while the remaining 57.7% is influenced or explained by other variables not discussed in this research.