Publications
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Dr. Ami Fitri Utami, SE.,MSM
A paradigm shift in financial landscape: encouraging collaboration and innovation among Indonesian FinTech lending players
Purpose
This paper aims to examine about the nature and strategy of current competitive dynamics by FinTech lending Indonesia players.
Design/methodology/approach
This paper uses both primary and secondary data. Interviews of several executives of a FinTech lending firm are done to gain direct insight of how the firms strategize their business operation. On the other hand, secondary data from internet search (e.g., OJK’s Website, FinTech Lending firm’s websites) are used to grasp the overview of the industrial landscape.
Findings
The study confirms that differentiation, collaboration, compliance and strong internal resources (e.g. team and funding) are the most pivotal elements for FinTech lending success. The study also confirmed the FinTech lending industrial landscape as an emerging and fragmented industry.
Research limitations/implications
This paper offers an original and detailed solution about how the FinTech lending company strategies may survive in a dynamic competition. The paper also shows the industrial analysis of the FinTech lending industry, which is rarely discussed in previous research. However, this study only focused on the lending sub-sector of FinTech, and the sample for primary data is highly limited (only three interviews).
Practical implications
This paper proposes a strategy that can be conducted by FinTech lending companies to achieve their business goals, including business growth, profits and improve financial inclusion in Indonesia. This perspective can act as a means to create practical modus operandi for policymakers and practitioners, especially FinTech lending companies in Indonesia.
Originality/value
This paper offers an original and detailed solution about how the FinTech lending company strategies may survive in adynamic competition. This study also provides a theoretical framework for use in further empirical research into the process of resource mobilization from FinTech lending Indonesia companies.
https://www.emerald.com/insight/content/doi/10.1108/JSTPM-03-2020-0064/full/html
Influence of customer application experience and value in use on loyalty toward retailers
This study aims to explain the mechanism by which user experience with retailer applications could lead to loyalty toward retailers. The data were collected through a survey in Indonesia (n = 717). The results support the positive impact of customer experience (i.e., sensorial experiential state, affective experiential state, interactivity, and relative advantage) on value in use. Value in use mediates the effects of customer experience on satisfaction and loyalty toward retailer application. In turn, these two constructs increase loyalty toward the retailer. These findings contribute to the theoretical and practical understanding of the impact of retailer applications on the customer-retailer relationship.
https://www.sciencedirect.com/science/article/abs/pii/S0969698920313989
This study aims to explain the mechanism by which user experience with retailer applications could lead to loyalty toward retailers. The data were collected through a survey in Indonesia (n = 717). The results support the positive impact of customer experience (i.e., sensorial experiential state, affective experiential state, interactivity, and relative advantage) on value in use. Value in use mediates the effects of customer experience on satisfaction and loyalty toward retailer application. In turn, these two constructs increase loyalty toward the retailer. These findings contribute to the theoretical and practical understanding of the impact of retailer applications on the customer-retailer relationship.
This study is aimed to examine the influence of office politics, fairness, and trust in leader on employee intention to leave in the higher education family-owned company in Indonesia. This study utilised quantitative method with 116 sample sizes. Previous study shows that the most prominent challenge for the family business is to maintain the fairness within the company. In this matter, there are possibilities that the tense organisation politics might be higher than other organisations. Moreover, trust in leader is also imperative, since family-owned business is highly symbolised by the family member as the leaders. Unfortunately, while these factors appeared to be pivotal, it can influence the turnover intention of the employee. This might be imperative due to its detrimental effect on the successor availability. The study found that the higher the employee perceived the political action in the company, the higher the employee's intention to leave.
https://www.inderscienceonline.com/doi/abs/10.1504/IJLC.2020.110891
Working Values Preferences among Gen-X, Y and Baby Boomers in Indonesia
This study analyses work value preferences across generational workforce of employees
in Indonesia using quantitative approach based on Twenge Campbell, Hoffman and
Lance (2010). The dimensions of work values include extrinsic values, intrinsic values,
leisure, altruistic and social rewards. A total of 429 people were recruited for this study
via an online survey. Statistical approaches, namely Analysis of Variance (ANOVA) and
Tukey’s Honestly Significant Difference (HSD), were used to analyse data obtained from
the questionnaire. The ANOVA result indicated differences between the three generational
cohorts in five work-values. The result showed that Generation Y valued leisure rewards
higher than Gen-X and Baby Boomers while the latter placed higher value on social rewards
than Gen-X and Gen-Y.
http://psasir.upm.edu.my/id/eprint/66252/1/JSSH%20Vol.%2026%20%28T%29%20Mar.%202018%20%28View%20Full%20Journal%29.pdf#page=111