Antecedents of The Product-Website Appeal and its Impact Toward Usage Intention

##plugins.themes.academic_pro.article.main##

Christopher Noviandi Tupang
Ferdi Antonio

Abstract

House is one of the basic needs of humans which is hard to get because of it’s relatively high price nowadays especially according to millenial segment. Therefore, bank provides an installment method to make it easier for buying a house immediately by using Kredit Pemilikian Rumah (KPR) product where one of the banks that provides this product is Bank Central Asia (BCA). Along with era transformation in which most services has begun to make a transition to digital channels, BCA provides an alternative method for applying KPR by utilizing digital channel namely by submitting online through it’s KPR website. The purpose of this study is to examine the impact of product-website appeal’s antecedents toward usage intention. This test was conducted using the PLS-SEM method on 216 respondent obtained using purposive sampling distributed online. The results show that the strongest positive relationship is product appeal to website appeal and the strongest influence on usage intention is trust. This research model has moderate predictive accuracy and medium predictive relevance to the dependent variable usage intention. There is managerial insight from the findings of this study as well as recommendations for further research.

##plugins.themes.academic_pro.article.details##

How to Cite
Tupang, C. N., & Antonio, F. (2021). Antecedents of The Product-Website Appeal and its Impact Toward Usage Intention. Enrichment : Journal of Management, 12(1), 95-101. Retrieved from https://enrichment.iocspublisher.org/index.php/enrichment/article/view/162

References

[1] C. Prado, How Technology is Changing Human Behavior, California: Praeger, 2019.
[2] J. N. Sheth, "Impact of Covid-19 on Consumer Behavior: Will the Old Habits Return or Die?," Journal of Business Research, pp. 280-283, 2020.
[3] B. C. M. Patnaik, Satpathy, Ipseeta and N. R. Samal, "Home Loan - A Conceptual Framework," Journal of Advance Management Research, pp. 68-75, 2017.
[4] Bank Indonesia, "Statistik Ekonomi dan Keuangan Indonesia," January 2021. [Online]. Available: https://www.bi.go.id/SEKI/tabel/TABEL1_16.pdf.
[5] Bank Central Asia, "Beyond Uncertainties: Managing the Next Normal - Annual Report 2020," December 2020. [Online]. Available:https://www.bca.co.id//media/Files/Report/Tahunan/20210226AR%202020%20BCAInggris%20Medium%20Res.ashx.
[6] F. Liu, B. Xiao, E. T. Lim and C.-W. Tan, "The Art of Appeal in Electronic Commerce: Understanding the Impact of Product and Website Quality on Online Purchases," Internet Research, pp. 752-771, 2017.
[7] C. Spence, N. M. Puccinelli and D. G. A. L. Roggeveen, Store Atmospherics: A Multisensory Perspective, New Jersey: Wiley-Blackwell, 2014.
[8] T. Yeshin, Intergrated Marketing Communication: The Holistic Approach, Oxford: Butterworth-Heinemann, 1998.
[9] J. B. Walther, Cues Filtered Out, Cues Filtered In: Computer-Mediated Communication and Relationship, 2002: 529-563, The Handbook of Interpersonal Communication.
[10] S. Lemeshow, D. W. H. Jr, J. Klar and S. K. Lwanga, Adequacy of Sample Size in Health Studies, Chichester: John Wiley & Sons, 1990.
[11] N. Kock and P. Hadaya, "Minimum Sample Size Estimation in PLS‐SEM: The Inverse Square Root and Gamma‐Exponential Methods," Information Systems Journal, pp. 227-261, 2016.
[12] A. A. Khin, D. C. S. Chuan and W. H. Chau, "Factor Affecting for Online Marketing Strategy of Business Development in Malaysia," British Journal of Economics, Management & Trade, pp. 1-17, 2016.
[13] Q. P. T. Phan and M. Pilik, "The Relationship Between Website Design and Positive EWOM Intention: Testing Mediator and Moderator Effect," Journal of Business Economics and Management, pp. 382-398, 2018.
[14] R. Garret, J. Chiu, L. Zhang and S. D. Young, "A Literature Review: Website Design and User Engagement," Online J Common Media Technol, pp. 1-14, 2016.
[15] N. Peña-García, I. Gil-Saura, A. Rodríguez-Orejuela and J. R. Siqueira-Junior, "Purchase Intention and Purchase Behavior Online: A Cross-Cultural Approach," Heliyon, pp. 1-11, 2020.
[16] S. Prashar, T. S. Vijay and C. Parsad, "Effects of Online Shopping Values and Website Cues on Purchase Behavior: A Study Using S-O-R Framework," The Journal of Decision Makers, pp. 1-18, 2017.
[17] E.-J. Lee, "Diagonisticity of Product Name and Product Evaluations in M-Shopping," International Journal of Advanced Culture Technology, pp. 148-158, 2020.
[18] K. Dhahak and F. Huseynov, "The Impact of Online Consumer Reviews (OCR) on Online Consumers Purchase Intention," Journal of Business Research, pp. 990-1005, 2020.
[19] H. Al-Samin and E. Al-Hassan, "The Impact of Pricing on Consumer Buying Behavior in Saudi Arabia: Al-Hassa Case Study," European Journal of Business and Management, pp. 62-73, 2016.
[20] X.-L. Pei, J.-N. Guo, T.-J. Wu, W.-X. Zhou and S.-P. Yeh, "Does the Effect of Customer Experience on Customer Satisfaction Create a Sustainable Competitive Advantage? A Comparative Study of DIfferent Shopping SItuations," Sustainability, pp. 1-19, 2020.
[21] M. S. B. M. Ariff, "Assessing Website Quality Affecting Online Purchase Intention of Malaysia's Young Customers," Advanced Science, Engineering and Medicine, pp. 836-840, 2016.
[22] N. M. Suki, "Modeling the determinants of consumers' attitudes toward online group buying: Do risks and trusts matters?," Journal of Retailing and Consumer Services, pp. 180-188, 2017.
[23] B. Lu and W. Fan, "Social Presence, Trust, and Social Commerce Purchase Intention: an Empirical Research," Computers in Human Behavior, pp. 225-237, 2016.
[24] J. F. Hair, W. C. Black, B. J. Babin and R. E. Anderson, Multivariate Data Analysis, Hampshire: Cengage, 2019.
[25] J. Cohen, Statistical Power Analysis for the Behavioral Sciences, New York: Lawrence Erlbaum Associates, 1988.