FAKTOR PENDUKUNG PERILAKU BERALIH LAYANAN PERBANKAN KE LAYANAN PEMBIAYAAN BERBASIS FINANSIAL TEKNOLOGI

N. P. D. Pradnyani, Rai Gina Artaninggrum
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Abstract

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.
驱动因素将银行业服务转移到以技术为基础的融资服务
本研究旨在以定价、服务质量、竞争、声誉、失败响应、服务产品和强制转换的形式确定驱动服务转换行为的因素,这些因素会影响借款人从使用银行融资服务转向使用金融科技融资服务(众贷)。研究样本是94名符合研究标准的人。用于回答研究假设的分析技术是多元线性回归分析。结果表明,银行价格决定影响个人从银行融资服务向众贷服务的转换行为。服务质量影响转向金融科技融资服务(众贷)的行为。竞争影响转向金融科技融资服务(众贷)的行为。声誉影响转向金融科技融资服务(众贷)的行为。对失败的反应影响转向金融科技融资服务(众贷)的行为。服务产品不影响转向金融科技融资服务(众贷)的行为。强制转型对转向金融技术型融资服务(众贷)的行为没有影响。同时决定价格、服务质量、竞争、信誉、失败响应、服务产品,并强制使用融资服务从银行转向众贷融资服务。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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