Faktor Yang Mempengaruhi Kepuasan dan Loyalitas Pengguna E-Channel pada Nasabah BSI KCP Ponorogo

Technology that is growing rapidly penetrates all fields, including banking. Banking began to penetrate technology with the innovation of electronic channels or e-channels. Bank Syariah Indonesia KCP Ponorogo always strives to improve the ease and quality of service provided to increase customer satisfaction and loyalty. The results of interviews with customers showed that there are still customers who feel dissatisfied with e-channel provided by BSI and services that are still considered less than optimal which resulted in customers becoming dissatisfied and disloyal to BSI. This research aims to analyze the effect of ease and quality of service on customer satisfaction and loyalty and whether satisfaction can mediate the influence of ease and quality of service on customer loyalty. This research is a quantitative study with samples are BSI customers of e-channel users as many as 100 customers with sampling techniques are Incidental sampling. The data is collected by distributing questionnaires to a sample of 100 customers. The data is analyzed by the partial least square (PLS) method. The results showed that ease and quality of service affect customer satisfaction, ease has no effect on customer loyalty but the quality of service and customer satisfaction affect customer loyalty, In addition, customer satisfaction can mediate the influence of ease on customer loyalty and can mediate the influence of quality of service on customer loyalty. Based on these results, BSI can start improving the quality of existing services so that customer satisfaction and loyalty increase. In addition, there needs to be an easy guide to be followed by customers so that customers become active in using the e-channel facilities provided.Teknologi yang berkembang dengan pesat merambah semua bidang tidak terkecuali perbankan. Perbankan mulai merambah teknologi dengan adanya inovasi yaitu adanya electronic channel atau e-channel. Bank Syariah Indonesia KCP Ponorogo senantiasa berusaha meningkatkan kemudahan dan kualitas pelayanan yang diberikan untuk meningkatkan kepuasan dan loyalitas nasabah. Hasil wawancara dengan nasabah menunjukkan bahwa masih adanya nasabah yang merasa tidak puas dengan e-channel yang disediakan oleh BSI serta pelayanan yang masih dianggap kurang optimal hingga mengakibatkan nasabah menjadi tidak puas dan tidak loyal pada BSI. Penelitian ini bertujuan untuk menganalisis pengaruh kemudahan dan kualitas pelayanan terhadap kepuasan dan loyalitas nasabah serta apakah kepuasan mampu memediasi pengaruh kemudahan dan kualitas pelayanan terhadap loyalitas nasabah. Penelitian ini merupakan penelitian kuantitatif dengan sampel nasabah BSI pengguna e-channel sebanyak 100 nasabah dengan teknik pengambilam sampel Insidental sampling. Data dikumpulkan dengan menyebarkan angket kepada sampel 100 nasabah. Data dianalisis dengan metode partial least square (PLS). Hasil penelitian menunjukkan bahwa kemudahan dan kualitas pelayanan berpengaruh pada kepuasan nasabah, kemudahan tidak berpengaruh pada loyalitas nasabah akan tetapi kualitas pelayanan dan kepuasan nasabah berpengaruh pada loyalitas nasabah, Selain itu, kepuasan nasabah mampu memediasi pengaruh kemudahan terhadap loyalitas nasabah serta mampu memediasi pengaruh kualitas pelayanan terhadap loyalitas nasabah. Berdasarkan hasil ini pihak BSI dapat mulai meningkatkan kualitas pelayanan yang telah ada agar kepuasan dan loyalitas nasabah semakin meningkat. Selain itu perlu adanya panduan yang mudah untuk diikuti oleh nasabah agar nasabah menjadi aktif dalam menggunakan fasilitas e-channel yang disediakan.

E-participation decision across different channels

PurposeThis study focuses on understanding how channel features can affect people's intention to continue to use an electronic channel in public affairs and their recommendation behaviors. Specifically, three different channels are focused on: email, microblogs and online meetings.Design/methodology/approachA research model on an e-participation channel based on the channel-disposition framework was developed and an online survey was conducted to collect data from 397 individuals who used three e-participation channels to validate seven hypotheses.FindingsThe study found that information quality, channel interaction quality and the social appearance of other citizens all had a significant impact on users' intention to continue to use an electronic channel, which, in turn, affected their recommendation behaviors. However, the impact differed across the three e-participation channels. Information quality had a stronger impact on microblog and online meeting users' intention to continue to use these channels than on email users' intention to continue using email to participate in public affairs. Channel interaction quality had a stronger impact on email users' intention to continue to use email than on microblog and online meeting users' intention to continue to use these channels in public affairs.Originality/valueThis study helps better explain how various channels and their features can affect participants' use intentions and behaviors in e-participation. It also provides practical guidance for government to better manage e-participation channels and effectively engage citizens in public affairs.

Using Free and Open Source Tools in Smart Solution Development for the Agriculture Sector in Oman

Technology is providing support to almost all the sectors around the world. The agriculture sector is also getting greatly benefitted with the advancements in technology. Automation has always been an issue with the various organizations associated with the agriculture sector. But, various organizations have now already started making use of smart technology in order to automate for faster delivery and more accurate results. This research paper also focuses on one such issue related to one of the agriculture based organizations in the Sultanate of Oman. With the advent of some free and open source tools such as LiveCode Community Edition, the development of such a solution has become much easier. The aim of this research is to provide an electronic channel for the user to receive various information and product updates. In order to make sure about the necessity of such system development, the researchers have conducted surveys and interviews among various people. The analysis held that such solution in the agriculture industry can make the operations highly fast along with transactions. Further, the usage of free and open source tools to develop such a solution could be very beneficial to the end users as well as the organizations. Researchers have suggested a methodology that suits the nature of research and the research requirements.

INFLUENCE OF ACOUSTIC-ELECTRONIC CHANNEL ON ACOUSTIC EMISSION HIT PARAMETERS

The paper deals with the influence of acoustic emission (AE) signal propagation channel on the parameters of these signals, which are used to judge the object state. It is shown that the acoustic channel, which includes the testing object and the acoustic emission transducer, has a significant influence on the parameters of AE signals. This must be taken into account, both in the interpretation of signals and in the calibration of acoustic emission transducers. Specific examples of degradation of AE signal parameters during the passage of acoustic-electronic channels are shown.

Marketing

This chapter primarily deals with the relationship between the marketing mix and the channel strategy of the companies. The distribution system is influenced by product, price, and promotion of the brand. The choice of the distribution system also influences the product, price, and promotion strategy of the brand. The chapter will discuss in detail how each of the factors of product, price, and promotion are correlated with the channel strategy of the company. It is seen that the product along with the market determines the distribution strategy and the channel choices and strategies are influenced by the stage of the product life cycle. Pricing has always been a very important aspect of marketing a product. It assumes more importance as the price of the product also goes on to influence the margins of the intermediaries. It can be easily understood that the margins on a product impacts upon the commitment of the intermediaries or channel members. This in turn influences the willingness of the channel members to push the brand or the product to their customers. The channel members also expect a lot of support from the company in terms of advertisements or other consumer or trade promotion schemes. The quantum of support is dependent on the capacity of the company and the type of product and market they are operating in. This chapter also discusses about the franchise system and the electronic channel system which are now part of the channel strategy of almost all large companies. The characteristics of these channels along with their advantages and disadvantages are also discussed in detail.

Transmitting the quantum state of electrons across a metallic island with Coulomb interaction

The Coulomb interaction generally limits the quantum propagation of electrons. However, it can also provide a mechanism to transfer their quantum state over larger distances. Here, we demonstrate such a form of electron teleportation across a metallic island. This effect originates from the low-temperature freezing of the island’s charge Q which, in the presence of a single connected electronic channel, enforces a one-to-one correspondence between incoming and outgoing electrons. Such faithful quantum state imprinting is established between well-separated injection and emission locations and evidenced through two-path interferences in the integer quantum Hall regime. The additional quantum phase of 2πQ/e, where e is the electron charge, may allow for decoherence-free entanglement of propagating electrons, and notably of flying qubits.

A Study on the Perceived Mobile Experience of Myeg Users

Mobility is the trend right now. It is transforming the user experience from the confines of the desk to the convenience of anytime-anywhere. MyEG Services Berhad ("MYEG") is a concessionaire for Malaysian Electronic-Government ("E-Government") MSC Flagship Application. MYEG builds, operates and owns the electronic channel that delivers services from various Government agencies to Malaysia citizens and businesses. To make their services up-to-date and in trend, MyEG app was developed and can also be used to check summons, pay summons, renew road-tax and renew auto insurance. To make sure that this application is efficient, fulfilling the customer needs and satisfaction, a usability evaluation was conducted. The evaluation was conducted in “Jabatan Teknologi Maklumat & Komunikasi, Politeknik Seberang Perai”, with 15 participants consisting of both lecturers and students. The think-aloud protocol was used while conducting the evaluation. The result of the evaluation revealed that overall the app is efficient, successful in fulfilling the users’ requirement and needs and promotes users mobile experience.

An Interview Report on Users’ Perception about the Usability Performance of a Mobile E-Government Application

<span style="font-size: 9.0pt; font-family: 'Times New Roman','serif'; mso-fareast-font-family: Batang; mso-ansi-language: EN-US; mso-fareast-language: KO; mso-bidi-language: AR-SA;">Mobile governance enables citizens to comfortably do business with government anywhere, any time. This provides an enriching experience to users as they use these platforms in their convenience and with comfort. MyEG Services Berhad ("MyEG") is a concessionaire for Malaysian Electronic-Government ("E-Government") MSC Flagship Application. MyEG manages the electronic channel that offers services from various Government agencies to the Malaysian citizens and businesses. The MyEG developed a mobile application that can be used to check summons, pay summons, renew road-tax and renew auto insurance. In this study, a usability assessment was done using interview approach to examine the experience of users (with regard to usability) of the mobile application. The interview was carried out after participants engaged and interacted with the application in some task’s scenarios. The assessment was done at Jabatan Teknologi Maklumat and Komunikasi, Politeknik Seberang Perai, with 15 volunteers who consisted of lecturers and students. The findings showed that overall the application was perceived usable and also enriched the experience of participants. However, there were some improvements that should be implemented in the area of findability to further improve on users’ satisfaction and felt experience.</span><span style="font-size: 9.0pt; font-family: 'Times New Roman','serif'; mso-fareast-font-family: Batang; mso-ansi-language: EN-US; mso-fareast-language: KO; mso-bidi-language: AR-SA;">Mobile governance enables citizens to comfortably do business with government anywhere, any time. This provides an enriching experience to users as they use these platforms in their convenience and with comfort. MyEG Services Berhad ("MyEG") is a concessionaire for Malaysian Electronic-Government ("E-Government") MSC Flagship Application. MyEG manages the electronic channel that offers services from various Government agencies to the Malaysian citizens and businesses. The MyEG developed a mobile application that can be used to check summons, pay summons, renew road-tax and renew auto insurance. In this study, a usability assessment was done using interview approach to examine the experience of users (with regard to usability) of the mobile application. The interview was carried out after participants engaged and interacted with the application in some task’s scenarios. The assessment was done at Jabatan Teknologi Maklumat and Komunikasi, Politeknik Seberang Perai, with 15 volunteers who consisted of lecturers and students. The findings showed that overall the application was perceived usable and also enriched the experience of participants. However, there were some improvements that should be implemented in the area of findability to further improve on users’ satisfaction and felt experience.</span>