Faktor Pendukung Perilaku Beralih Layanan Perbankan Ke Layanan Pembiayaan Berbasis Finansial Teknologi
Keywords:Crowdlending, Financial Technology, Switching Behavior Services
This study aims to determine the factors driving service switching behavior in the form of pricing, service quality, competition, reputation, response to failure, service products, and forced switching that can influence borrowers to switch to using financing services from banks to financial technology-based financing services (crowdlending). The research sample was 94 people who met the research criteria. The analysis technique used to answer the research hypothesis is multiple linear regression analysis. The results show that banking price determination affects a person's switching behavior from banking-based financing services to crowdlending services. Service quality affects the behavior of switching to financial technology-based financing services (crowdlending). Competition affects the behavior of switching to financial technology-based financing services (crowdlending). Reputation affects the behavior of switching to financial technology-based financing services (crowdlending. Response to failure affects the behavior of switching to financial technology-based financing services (crowdlending). Service products do not affect the behavior of switching to financial technology-based financing services (crowdlending). Forced transition has no effect on the behavior of switching to financial technology-based financing services (crowdlending) Simultaneously determining prices, service quality, competition, reputation, response to failure, service products, and switching are forced to use financing services from banks to crowdlending financing services.
Bansal, H. S., Taylor, S. F., and James, Y. S. 2005. Migrating‖ to New Service Providers: Toward a Unifying Framework of Consumers’ Switching Behaviors. Journal of the Academy of Marketing Science, 33(1), 96–115. doi:10.1177/0092070304267928.
Deffains, C. C., and Sudolska, A. 2014. Radical Innovation and Early Stage Financing Gaps: Equity-Based Crowdfunding Challenges. Journal of Positive Management, 5(2), 3. doi: 10.12775/JPM.2014.009
Bellami, A dan Rafik, A. 2018. Analisis Perilaku Beralih Layanan Pembiayaan Berbasis Financial Technology (Crowdlending) Dengan Pendekatan Push–Pull–Mooring. dspace. Skripsi tidak diterbitkan, Universitas Islam Indonesia, Yogyakarta, Indonesia.
Gaynor, G and Morse, J. 2015. The Crowd-funding Effect, Strategic Finance, 97(4), 35–39.
Gomber, P., Koch, J.-A., and Siering, M. 2017. Digital Finance and FinTech: Current Research and Future Research Directions. Journal of Business Economics, 87(5), 537–580. doi :10.1007/s11573-017-0852-x
Ghozali, I. 2011. Aplikasi Analisis Multivariate Dengan Program SPSS. Semarang: Badan Penerbit Universitas Diponegoro.
Jung, J., Han, H., and Oh, M. 2017. Travelers’ Switching Behavior in The Airline Industry from The Perspective of The Push-Pull-Mooring Framework. Tourism Management, 59(C),139–153. doi:10.1016/j.tourman.2016.07.018.
Keaveney, S. M. 2018. Customer Switching Behavior in Service Industries : An Exploratory Study. American Marketing Association, 59(2), 71–82.
Li, X., Tang, Y., Yang, N., Ren, R., Zheng, H., and Zhou, H. 2016. The Value of Information Disclosure and Lead Investor in Equity-Based Crowdfunding. Nankai Business Review International, 7(3), 301–321. doi :10.1108/NBRI-01-2016-0002.
Ley, A., and Weaven, S. 2011. Investigating The Agency Dynamics of 132 Crowdfunding in Start-Up Capital Financing, Academy of Entrepreneurship Journal, 17(1), 85–111.
Maier, E. 2016. Supply and Demand on Crowdlending Platforms: Connecting Small and Medium-Sized Enterprise Borrowers and Consumer Investors, Journal of Retailing and Consumer Services, 33(C), 43–153. doi: 10.1016/j.jretconser.2016.08.004.
Njite, D., Kim, W. G., Kim, L. H., and Kim, L. H. 2008. Theorizing Consumer Switching Behavior : A General Systems Theory Approach. Journal of Quality Assurance in Hospitality and Tourism, 9 (3), 185–218. doi: 10.1080/15280080802412701.
Sekaran, U., and Bougie, R. 2010. Research methods for business: A skill-building approach (5th ed.). Haddington: John Wiley & Sons.
Sugiyono. 2014. Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Sun, Y., Liu, D., Chen, S., Wu, X., and Shen, X. 2017. Understanding Users’ Switching Behavior of Mobile Instant Messaging Applications : An Empirical Study from The Perspective of Push-Pull- Mooring Framework, Journal of Computers in Human Behavior, 75(C), 727–738. doi: 10.1016/j.chb.2017.06.014.
Thaichon, P., Quach, S., Bavalur, A. S., and Nair, M. 2017. Managing Customer Switching Behavior in the Banking Industry, Journal of Services Marketing Quarterly, 38(3), 142–154. doi: 10.1080/15332969.2017.1325644.
Vyas, V., and Raitani, S. 2014. Drivers of Customers’ Switching Behaviour in Indian Banking Industry, International Journal of Bank Marketing. 32(4), 321–342. doi: 10.1108/IJBM-04-2013-0033
Zhang, H., Zhao, H., Liu, Q., Xu, T., Chen, E., and Huang, X. 2017. Finding Potential Lenders in P2P Lending: A Hybrid Random Walk Approach, Information Sciences. doi: 10.1016/j.ins.2017.12.017.