Leveraging experience quality to increase loyalty of digital wallet user in Indonesia
DOI:
https://doi.org/10.20525/ijrbs.v11i5.1847Keywords:
Brand Image, Digital Wallet, Experience Quality, Loyalty, SatisfactionAbstract
This study examines the effect of experience quality on loyalty to digital wallet users. The financial sector plays a role as a driving force for growth in the real sector, which can be done through capital accumulation and technological innovation. The novelty in this research is the addition of brand image and satisfaction variables as a mediation that has not been studied before. There are still inconsistencies in the results of previous studies regarding the direct effect of experience quality on loyalty. This study uses explanatory research with a quantitative approach. The sample size is 120 respondents to digital wallet users in Malang City. The purposive sampling method is the sampling technique in this study. The data were analyzed using structural equation modeling partial least square (SEM-PLS). The results of this study indicate that experience quality can directly improve brand image and satisfaction. Interestingly, this study found that experience quality directly did not have a significant effect on loyalty. The need to pay attention to service is the main key to customer satisfaction and brand image so that they can be loyal to digital wallet products.
Downloads
References
Abdillah, W., & Hartono, J. (2015). Partial Least Square (PLS): alternative structural equation modeling (SEM) in business research. Yogyakarta: Andi Pubsliher, 22, 103-150.
Aditiya, M. I. (2021). 5 E-Wallet Tarbaik di Indonesia 2021, Siapa Juaranya? available at: https://www.goodnewsfromindonesia.id/2021/03/19/inilah5-e-wallet-tarbaik-di-indonesia-2021-yang-mana-favorit-kalian.
Alkhowaiter, W. A. (2020). Digital payment and banking adoption research in Gulf countries: A systematic literature review. International Journal of Information Management, 53, 102102. https://doi.org/10.1016/j.ijinfomgt.2020.102102
Batouei, A., Iranmanesh, M., Mustafa, H., Nikbin, D., & Ping, T. A. (2020). Components of airport experience and their roles in eliciting passengers’ satisfaction and behavioural intentions. Research in Transportation Business & Management, 37, 100585. https://doi.org/10.1016/j.rtbm.2020.100585
Baul, T. K., Sarker, A., & Nath, T. K. (2021). Restaurants’ waste in Chittagong city, Bangladesh: Current management, awareness on environmental hazard and perception towards potential uses. Journal of Cleaner Production, 292, 126073. https://doi.org/10.1016/j.jclepro.2021.126073
Cachero-Martínez, S., & Vázquez-Casielles, R. (2021). Building consumer loyalty through e-shopping experiences: The mediating role of emotions. Journal of Retailing and Consumer Services, 60, 102481. https://doi.org/10.1016/j.jretconser.2021.102481
Cambra-Fierro, J., Gao, L. X., Melero-Polo, I., & Sese, F. J. (2019). What drives consumers’ active participation in the online channel? Customer equity, experience quality, and relationship proneness. Electronic Commerce Research and Applications, 35, 100855. https://doi.org/10.1016/j.elerap.2019.100855
Chai, J. C. Y., Malhotra, N. K., & Alpert, F. (2015). A two-dimensional model of trust–value–loyalty in service relationships. Journal of Retailing and Consumer Services, 26, 23–31. https://doi.org/10.1016/j.jretconser.2015.05.005
Cham, T. H., Lim, Y. M., Aik, N. C., & Tay, A. G. M. (2016). Antecedents of hospital brand image and the relationships with medical tourists’ behavioral intention. International Journal of Pharmaceutical and Healthcare Marketing. Vol. 10 No. 4, pp. 412-431. https://doi.org/10.1108/IJPHM-02-2016-0012
Chang, T.-Y., & Horng, S.-C. (2010). Conceptualizing and measuring experience quality: The customer’s perspective. The Service Industries Journal, 30(14), 2401–2419. https://doi.org/10.1080/02642060802629919
Chang, W.-J. (2020). Experiential marketing, brand image and brand loyalty: A case study of Starbucks. British Food Journal. Vol. 123 No. 1, pp. 209-223. https://doi.org/10.1108/BFJ-01-2020-0014
Chiu, C.-M., Hsu, M.-H., Sun, S.-Y., Lin, T.-C., & Sun, P.-C. (2005). Usability, quality, value and e-learning continuance decisions. Computers & Education, 45(4), 399–416. https://doi.org/10.1016/j.compedu.2004.06.001
Darmiasih, M., & Setiawan, P. Y. (2021). Continuance usage intention and its antecedents on using OVO e-wallet application in Denpasar. International Research Journal of Management, IT and Social Sciences, 8(1), 35–46. https://doi.org/10.21744/irjmis.v8n1.11042004.06.001
Devita, D. M. (2020). Siapa Aplikasi E-wallet dengan Pengguna Terbanyak di Indonesia? available at : https://iprice.co.id/trend/insights/e-walletterbaik-di-indonesia
Fr?czek, B., & Urbanek, A. (2021). Financial inclusion as an important factor influencing digital payments in passenger transport: A case study of EU countries. Research in Transportation Business & Management, 41, 100691. https://doi.org/10.1016/j.rtbm.2021.100691
Fu, X., Zhang, J., & Chan, F. T. (2018). Determinants of loyalty to public transit: A model integrating Satisfaction-Loyalty Theory and Expectation-Confirmation Theory. Transportation Research Part A: Policy and Practice, 113, 476–490. https://doi.org/10.1016/j.tra.2018.05.012
Giese, J. L., & Cote, J. A. (2000). Defining consumer satisfaction. Academy of Marketing Science Review, 1(1), 1–22. Available: http://www.amsreview.org/articles/giese01-2000.pdf
Haji, S., Surachman, S., Ratnawati, K., & MintartiRahayu, M. (2021). The effect of experience quality, perceived value, happiness and tourist satisfaction on behavioral intention. Management Science Letters, 11(3), 1023–1032. https://doi.org/10.5267/j.msl.2020.9.040
Hassan, T. H., & Salem, A. E. (2021). Impact of Service Quality of Low-Cost Carriers on Airline Image and Consumers’ Satisfaction and Loyalty during the COVID-19 Outbreak. International Journal of Environmental Research and Public Health, 19(1), 83. https://doi.org/10.3390/ijerph19010083
Hussein, A. S. (2018). Revisiting the importance of casual dining experience quality: An empirical study. International Journal of Quality and Service Sciences. Vol. 10 No. 3, pp. 233-252. https://doi.org/10.1108/IJQSS-04-2017-0041
Hussein, A. S., Hapsari, R. D. V., & Yulianti, I. (2018). Experience quality and hotel boutique customer loyalty: Mediating role of hotel image and perceived value. Journal of Quality Assurance in Hospitality & Tourism, 19(4), 442–459. https://doi.org/10.1080/1528008X.2018.1429981
Hwang, J., Park, S., & Kim, I. (2020). Understanding motivated consumer innovativeness in the context of a robotic restaurant: The moderating role of product knowledge. Journal of Hospitality and Tourism Management, 44, 272–282. https://doi.org/10.1016/j.jhtm.2020.06.003
Ishida, K., Slevitch, L., & Siamionava, K. (2016). The effects of traditional and electronic word-of-mouth on destination image: A case of vacation tourists visiting Branson, Missouri. Administrative Sciences, 6(4), 12. https://doi.org/10.3390/admsci6040012
Jain, N. K., Gajjar, H., & Shah, B. J. (2021). Electronic logistics service quality and repurchase intention in e-tailing: Catalytic role of shopping satisfaction, payment options, gender and returning experience. Journal of Retailing and Consumer Services, 59, 102360. https://doi.org/10.1016/j.jretconser.2020.102360
Japutra, A., Utami, A. F., Molinillo, S., & Ekaputra, I. A. (2021). Influence of customer application experience and value in use on loyalty toward retailers. Journal of Retailing and Consumer Services, 59, 102390. https://doi.org/10.1016/j.jretconser.2020.102390
Kashif, M., Samsi, S. Z. M., Awang, Z., & Mohamad, M. (2016). EXQ: Measurement of healthcare experience quality in Malaysian settings: A contextualist perspective. International Journal of Pharmaceutical and Healthcare Marketing. Vol. 10 No. 1, pp. 27-47. https://doi.org/10.1108/IJPHM-03-2015-0011
Komba, K. J., & Abd Razak, K. (2021). Factors Influencing Customer Retention for Electronic Wallet Services in Malaysia. International Journal of Social Science and Humanity, 11(2), 44–47. https://doi.org/10.18178/ijssh.2021.V11.1037
Kotler, P. (2009). Keller. Marketing Management. 1, 13rd. Erlangga. Jakarta.
Kotler, P., & Keller. (2012). Keller, 2012, Marketing Management I, 12nd. Jakarta: Erlangga.
Kusumawati, A., & Rahayu, K. S. (2020). The effect of experience quality on customer perceived value and customer satisfaction and its impact on customer loyalty. The TQM Journal. Vol. 32 No. 6, pp. 1525-1540. https://doi.org/10.1108/TQM-05-2019-0150
Lemke, F., Clark, M., & Wilson, H. (2011). Customer experience quality: An exploration in business and consumer contexts using repertory grid technique. Journal of the Academy of Marketing Science, 39(6), 846–869. https://doi.org/10.1007/s11747-010-0219-0
Li, T. T., Liu, F., & Soutar, G. N. (2021). Experiences, post-trip destination image, satisfaction and loyalty: A study in an ecotourism context. Journal of Destination Marketing & Management, 19, 100547. https://doi.org/10.1016/j.jdmm.2020.100547
Meesala, A., & Paul, J. (2018). Service quality, consumer satisfaction and loyalty in hospitals: Thinking for the future. Journal of Retailing and Consumer Services, 40, 261–269. https://doi.org/10.1016/j.jretconser.2016.10.011
Mohammadi, H. (2015). A study of mobile banking loyalty in Iran. Computers in Human Behavior, 44, 35–47. https://doi.org/10.1016/j.chb.2014.11.015
Molinillo, S., Navarro-García, A., Anaya-Sánchez, R., & Japutra, A. (2020). The impact of affective and cognitive app experiences on loyalty towards retailers. Journal of Retailing and Consumer Services, 54, 101948. https://doi.org/10.1016/j.jretconser.2019.101948
Mombeuil, C. (2020). An exploratory investigation of factors affecting and best predicting the renewed adoption of mobile wallets. Journal of Retailing and Consumer Services, 55, 102127. https://doi.org/10.1016/j.jretconser.2020.102127
Moon, H., & Han, H. (2018). Destination attributes influencing Chinese travelers’ perceptions of experience quality and intentions for island tourism: A case of Jeju Island. Tourism Management Perspectives, 28, 71–82. https://doi.org/10.1016/j.tmp.2018.08.002
Oh, H. (1999). Service quality, customer satisfaction, and customer value: A holistic perspective. International Journal of Hospitality Management, 18(1), 67–82. https://doi.org/10.1016/S0278-4319(98)00047-4
Patma, T. S., Kusumawati, A., Mauludin, H., & Zaini, A. (2020). Mediating effect of customer perceive value on experience quality and loyalty relationship. Utopía y Praxis Latinoamericana: Revista Internacional de Filosofía Iberoamericana y Teoría Social, 6, 524–536.
Purnama, S., Bangun, C. S., & Faaroek, S. A. (2021). The Effect of Transaction Experience Using Digital Wallets on User Satisfaction in Millennial Generation. Aptisi Transactions on Management (ATM), 5(2), 161–168. https://doi.org/10.33050/atm.v5i2.1593
Rahi, S., Yasin, N. M., & Alnaser, F. M. (2017). Measuring the role of website design, assurance, customer service and brand image towards customer loyalty and intention to adopt internet banking. The Journal of Internet Banking and Commerce, 1–18.
Rahman, M., Ismail, I., & Bahri, S. (2020). Analysing consumer adoption of cashless payment in Malaysia. Digital Business, 1(1), 100004. https://doi.org/10.1016/j.digbus.2021.100004
Rangkuti, F. (2010). Strategi Promosi Yang Kreatif & Analisis Kasus Integrated. Jakarta: Media Komputindo.
Ridhwan, R. M., Moko, W., & Hadiwidjojo, D. (2021). The impact of e-brand experience on e-brand loyalty mediated e-brand love and e-brand trust: A study on Go-Pay users in Go-Jek application in Malang City. International Journal of Research in Business and Social Science (2147-4478), 10(3), 132–138. https://doi.org/10.20525/ijrbs.v10i3.1154
Sangpikul, A. (2018). The effects of travel experience dimensions on tourist satisfaction and destination loyalty: The case of an island destination. International Journal of Culture, Tourism and Hospitality Research, 12(1), 106–123. Vol. 12 No. 1, pp. 106-123. https://doi.org/10.1108/IJCTHR-06-2017-0067
Schiffman, L., & Kanuk, L. L. (2008). Consumer behavior. 7th edition. Jakarta: Indeks.
Tang, Y. M., Chau, K. Y., Hong, L., Ip, Y. K., & Yan, W. (2021). Financial Innovation in Digital Payment with WeChat towards Electronic Business Success. Journal of Theoretical and Applied Electronic Commerce Research, 16(5), 1844–1861. https://doi.org/10.3390/jtaer16050103
Teng, C.-I. (2018). Look to the future: Enhancing online gamer loyalty from the perspective of the theory of consumption values. Decision Support Systems, 114, 49–60. https://doi.org/10.1016/j.dss.2018.08.007
Tjiptono, F., Chandra, G., & Adriana, D. (2008). Strategict Marketing. Yogyakarta: CV Andi Offset.
Wijaya. (2020). BI Malang catat peningkatan pembayaran digital selama pandemi COVID-19. https://www.antaranews.com/berita/1635414/bimalang-catat-peningkatan-pembayaran-digital-selama-pandemi-covid-19
Wu, H.-C., & Ai, C.-H. (2016). Synthesizing the effects of experiential quality, excitement, equity, experiential satisfaction on experiential loyalty for the golf industry: The case of Hainan Island. Journal of Hospitality and Tourism Management, 29, 41–59. https://doi.org/10.1016/j.jhtm.2016.05.005
Yoo, J., & Park, M. (2016). The effects of e-mass customization on consumer perceived value, satisfaction, and loyalty toward luxury brands. Journal of Business Research, 69(12), 5775–5784. https://doi.org/10.1016/j.jbusres.2016.04.174
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2022 Hanny Lubaba, Fatchur Rohman, Surachman

This work is licensed under a Creative Commons Attribution 4.0 International License.
For all articles published in IJRBS, copyright is retained by the authors. Articles are licensed under an open access Creative Commons CC BY 4.0 license, meaning that anyone may download and read the paper for free. In addition, the article may be reused and quoted provided that the original published version is cited. These conditions allow for maximum use and exposure of the work, while ensuring that the authors receive proper credit.