Bagaimana Loyalitas Pengguna Insurtech Terbentuk Melalui Pengalaman Pelanggan
Abstract
Digital Application Insurance is emerging as a significant corporate customer-facing application, potentially increasing customer service efficiency while reducing costs. However, little work has attempted to assess the quality of the services they provide to consumers. This study applies e-service service quality & e-recovery service quality with digital applications to predict user experience, satisfaction and loyalty towards digital applications. This research was planned to use a quantitative approach, with data obtained from two primary sources, where the sample for this research proposal was a minimum of two hundred respondents using a questionnaire. The structural equation modeling method was carried out to test the research hypothesis. The hypothesis will show that the e-quality service and recovery service factors have a positive effect on customer loyalty. It is hoped that this study can contribute to digital applications in developing their services by examining the impact of efficiency, provision, security, availability and synchronization, responsiveness, contact. This research highlights new concepts regarding digital e-service and e-recovery service applications. Previous research used customer service chatbots components that measured efficiency, fulfillment, security, availability and compensation, responsiveness, contact. So, this research is to provide valuable insights to insurance management and marketers to develop better services.
Keywords: Electronic service quality, E-recovery service quality, customer satisfaction, customer experience, customer loyalty.
References
Baron, RM, & Kenny, D.A. (1986). Perbedaan variabel moderator-mediator dalam penelitian psikologi sosial: Pertimbangan konseptual, strategis, dan statistik.Jurnal Kepribadian dan Psikologi Sosial,51(6), 1173–1182. https://doi.org/10.1037/0022-3514.51.6.1173
Bentler, PM, & Chou, CP (1987). Masalah Praktis dalam Pemodelan Struktural.Jurnal SAGE,16(1).
Brakus, JJ, Schmitt, BH, & Zarantonello, L. (2009). Pengalaman Merek: Apa Itu? Bagaimana cara mengukurnya? Apakah itu Mempengaruhi Loyalitas?Jurnal Pemasaran,73(3), 52–68. https://doi.org/10.1509/jmkg.73.3.052
Hair, J.F., Risher, J.J., Sarstedt, M., & Ringle, C.M. (2019). Kapan menggunakan dan bagaimana melaporkan hasil PLS-SEM.Tinjauan Bisnis Eropa,31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203
Hsu, C.-L., & Lin, J.C.-C. (2023). Memahami kepuasan pengguna dan loyalitas chatbots layanan pelanggan.Jurnal Ritel dan Layanan Konsumen,71, 103211. https://doi.org/10.1016/j.jretconser.2022.103211
Kamalia, P. (2020, Juni).Daftar Startup Insurtech di Indonesia. Https://Dailysocial.Id/Post/Startup-Insurtech-Indonesia.
KARTONO, E.L., BERNARTO, I., SUDIBJO, N., & PRAMONO, R. (2021). Kepemimpinan Transformasional dan Inovasi Organisasi- Peran Interaksi Sinergis Berorientasi Tujuan.Jurnal Keuangan Asia, Ekonomi dan Bisnis,8(8), 909–920.
Kotler, P., & Keller, K. L. (2016).Manajemen Pemasaran (Vol.15). Pearson Pretice Hall, Inc.
Laurent, F. (2016). Pengaruh E-service Quality terhadap Loyalitas Pelanggan Go-jek melalui Kepuasan Pelanggan. Sekarang,4(2), 95–100.
Lin, Z., & Bennett, D. (2014). Meneliti pengalaman pelanggan ritel dan efek moderasi dari program loyalitas.Jurnal Internasional Manajemen Ritel & Distribusi,42(10), 929–947. https://doi.org/10.1108/IJRDM-11-2013-0208
Martin, J., Mortimer, G., & Andrews, L. (2015). Memeriksa ulang pengalaman pelanggan online untuk memasukkan frekuensi pembelian dan risiko yang dirasakan.Jurnal Ritel dan Layanan Konsumen,25, 81–95. https://doi.org/10.1016/j.jretconser.2015.03.008
Molinillo, S., Aguilar-Illescas, R., Anaya-Sánchez, R., & Carvajal-Trujillo, E. (2022). Pengalaman aplikasi ritel pelanggan: Implikasi untuk loyalitas pelanggan.Jurnal Ritel dan Layanan Konsumen,65, 102842. https://doi.org/10.1016/j.jretconser.2021.102842
Muhamad Ghifari, Z. (2021).PENGARUH KUALITAS E-SERVICE TERHADAP KEPUASAN E-CUSTOMER APLIKASI DANA. www.bi.go.id,
Pandey, S., & Chawla, D. (2018). Pengalaman pelanggan online (OCE) dalam e-retail pakaian.Jurnal Internasional Manajemen Ritel & Distribusi,46(3), 323–346. https://doi.org/10.1108/IJRDM-01-2017-0005
Parasuraman, A., & Zeithaml, V.A. (2005). E-S-QUAL Timbangan Multi-Item untuk Menilai Kualitas Layanan Elektronik., Jurnal Penelitian Layanan,7, 1–21.
“Phil” Klaus, P., & Maklan, S. (2012). EXQ: a multiple‐skala item untuk menilai pengalaman layanan.Jurnal Manajemen Layanan,23(1), 5–33. https://doi.org/10.1108/09564231211208952
Pranoto, R. G., & Subagio, H. (2015). ANALISA PENGARUH CUSTOMER EXPERIENCE TERHADAP CUSTOMER SATISFACTION PADA KONSUMEN DI ROSETTA’S CAFE & RESTO SURABAYA.
Puriwat, W., & Tripopsakul, S. (2017). DAMPAK KUALITAS E-SERVICE TERHADAP KEPUASAN DAN LOYALITAS NASABAH DALAM PENGGUNAAN MOBILE BANKING: STUDI KASUS THAILAND.Jurnal Studi Manajemen Polandia,15(2), 183–193. https://doi.org/10.17512/pjms.2017.15.2.17
Rose, S., Clark, M., Samouel, P., & Rambut, N. (2012). Pengalaman Pelanggan Online dalam e-Retailing: Model empiris Anteseden dan Hasil.Jurnal Ritel,88(2), 308–322. https://doi.org/10.1016/j.jretai.2012.03.001
Santoso, A., & Aprianingsih, A. (2017). Pengaruh Service dan E-Service Quality terhadap Repurchase Intention Peran Mediasi Kepuasan Pelanggan. Studi Kasus: Transportasi Online oleh Go-Jek Indonesia.Jurnal Bisnis dan Manajemen.
Satti, Z.W., Babar, S.F., Parveen, S., Abrar, K., & Shabbir, A. (2020). Inovasi untuk wirausahawan potensial dalam kualitas layanan dan loyalitas pelanggan di industri perhotelan.Jurnal Inovasi dan Kewirausahaan Asia Pasifik,14(3), 317–328. https://doi.org/10.1108/APJIE-08-2019-0063
Theodosiou, M., Katsikea, E., Samiee, S., & Makri, K. (2019). Perbandingan pendekatan formatif versus reflektif untuk pengukuran kualitas layanan elektronik.Jurnal Pemasaran Interaktif, 47, 53–67.
Uyun, A., Sekarhati, D.K.S., Amastini, F., Nefiratika, A., Shihab, M.R., & Ranti, B. (2020). Implikasi InsurTech terhadap Implementasi IT Decision Domain Perspektif: Studi Kasus Asuransi XYZ.2020 Konferensi Internasional ke-6 tentang Teknik dan Desain Komputasi (ICCED), 1–6. https://doi.org/10.1109/ICCED51276.2020.9415783
Zehir, C., & Narcıkara, E. (2016a). Kualitas E-Layanan dan Kualitas Layanan E-Recovery: Efek pada Persepsi Nilai dan Niat Loyalitas.Procedia - Ilmu Sosial dan Perilaku,229, 427–443. https://doi.org/10.1016/j.sbspro.2016.07.153
Zehir, C., & Narcıkara, E. (2016b). Kualitas E-Layanan dan Kualitas Layanan E-Recovery: Efek pada Persepsi Nilai dan Niat Loyalitas.Procedia - Ilmu Sosial dan Perilaku,229, 427–443. https://doi.org/10.1016/j.sbspro.2016.07.153
Zemblytė, J. (2015). Instrumen untuk Mengevaluasi Kualitas E-Layanan.Procedia - Ilmu Sosial dan Perilaku,213, 801–806. https://doi.org/10.1016/j.sbspro.2015.11.478
Copyright (c) 2024 Vania Rachma Putri, Arviansyah Arviansyah
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.