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Applied Multivariate Techniques

Protecting the Poor: A Microinsurance Compendium

Access to finance by the poor is a prerequisite for poverty reduction and sustainable economic development. Importance of financial inclusion arises from the problem of financial exclusion of nearly 3 billion people from the formal financial services across the world. The study has critically analyzed the issues and challenges involved in financial inclusion for inclusive growth and has also successfully attempted to highlight the factors that can aid in achieving financial inclusion for inclusive growth in India, particularly in the context of the feared global slowdown and negative impact of high inflation on the Indian economy. The paper has also suggested some policy choices for successful implementation of the policy of financial inclusion for sustainable growth of Indian economy. The paper is a significant attempt to understand and emphasize the importance of the topic.

Financial Inclusion in India: An Evaluation of the Coverage, Progress and Trends

The pandemic outbreak at the beginning of 2020 had changed the ways and perception of consumers using products abruptly. The study examined consumer traits (i.e., impulse buying tendency, shopping enjoyment tendency, consumer mood) and situational factors (i.e., individual situation, website quality, motivational activities by retailers, and product attributes) to their online impulse buying. The sample was 290 criteria-met respondents and collected using the survey method, distributing the questionnaire, and applying the Structural Equation Model (SEM) to analyze the findings. The research founds that firstly, there were three accepted hypotheses in which the influencing factors of online impulse buying, such as impulse buying tendency, consumer mood, and motivational activities by retailers. Secondly, other factors such as shopping enjoyment tendency, individual situation, website quality, and product attributes were not the determinants. It implied that the on-going phenomena of changing consumers' online impulse buying driven by their traits should be the critical factors for any sellers to reap and optimize the available opportunities during the pandemic's sudden change.

Consumer traits and situational factors: Exploring the consumer's online impulse buying in the pandemic time

textThis empirical study examines distance effects on cross-border electronic commerce
and in particular the importance of express delivery in reducing the time dimension of
distance. E-commerce provides suppliers with a range of opportunities to reduce distance as
perceived by online buyers. They can reduce psychological barriers to cross-border demand
by designing websites that simplify the search for and comparison of products and suppliers
across countries. They can reduce cost barriers by applying pricing strategies that redistribute
transportation costs, and they can overcome time barriers offering express delivery services.
This study of 721 regions in five countries of the European Union shows that distance is not
“dead” in e-commerce, that express delivery reduces distance for cross-border demand, and
that e-demand delivered by express services is more time sensitive and less price sensitive than
e-demand satisfied by standard delivery. The willingness of e-customers to pay for express
services is shown to be affected by income and by the relative lead-time benefits and express
charges. Furthermore, the adoption of express delivery is positively associated with e-loyalty in
terms of repurchase rates. The results confirm the importance for e-suppliers of cleverly
designed delivery services to reduce distance in order to attract online customers across
borders.

Cross-Border Electronic Commerce : Distance Effects and Express Delivery in European Union Markets

The Corona Virus Disease (COVID)-19 pandemic has disrupted the business and industry landscape and changed consumers' behavior. The purpose of this paper was to explore how the behavior of online shoppers and sellers changed because of the COVID-19 outbreak. The originality of this paper lies in combining four main constructs: digital promotion capability, supply chain capability, customer experience, and performance of the e-commerce platform. It incorporates intervening factors like seasonal pricing and logistics outsourcing in the context of COVID 19. The main findings were that, before the pandemic, customer review ratings had a significant positive effect on the performance of the e-commerce platform, but not after the outbreak. Meanwhile, logistics outsourcing does not intervene in the relationship between perceived supply chain capability and (relative) e-commerce platform performance, unlike before the pandemic. This research is a longitudinal study before and after the COVID 19 pandemic, with a call-back sample size of 88 end customer respondents and 55 seller respondents. Data gathered from previous and current e-commerce research were processed by multivariate regression using SPSS software.

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E-Commerce Performance, Digital Marketing Capability and Supply Chain Capability within E-Commerce Platform: Longitudinal Study Before and After COVID-19

By using Indonesian case studies, this research plan to fill the research gap (conceptual, methods and contexts) in the theories of transaction cost economics, multi-attribute utility theory, agency theory and information-processing theory, through variable based modeling. For business and industry stakeholder point of view, this research is expected to be useful for Indonesian e-commerce platform ecosystem stakeholders especially regulators, to give insights towards dynamics within e-commerce platform ecosystem. This paper originality lies on proposing e-commerce conceptual model by using multidisciplinary approach through combining four main constructs, which consists of relative e-commerce platform performance, digital promotion capability, customer experience review rating and supply chain capabilities. The model also accommodates seasonal pricing and logistic outsourcing as intervening variables to examine model sensitivity. With sample size of 1288 people who have purchased items in at least two e-commerce platform, collected data is processed using Structural Equation Modeling (SEM) method by LISREL software. Keywords: E-commerce; Digital Marketing, Supply Chain Capability, E-commerce Performance, Customer Review Rating * School of Business and Management, Bandung Institute of Technology, Bandung, Indonesia ** Faculty of Economics and Business, Universitas Indonesia, Depok, Indonesia https://doi.org/10.21632/irjbs.13.1.63-80

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E-commerce Platform Performance, Digital Marketing and Supply Chain Capabilities

Mobile game market is the fast-growing game market and accounted for more than a half of the global game market’s revenue. Because of the promising future many game developers develop monetization strategy to gain more profit from the mobile game market. Thus, by knowing what drivers that influence gamer’s purchase intention and loyalty expected to help game developer to expand their market share. Then, this study uses conclusive descriptive to gain insight by analyzing effect of perceived value toward game loyalty and in-app purchase intention. Moreover, this study also aims to investigate the effect of game loyalty toward user’s intention to make in-app purchase. This research used purposive sampling and involved 240 Mobile Legend gamers in Indonesia. Data is processed with SEM using LISREL software version 8.8. The result shows perceived playfulness, perceived connectedness, perceived good price, and perceived reward are significantly influence mobile game loyalty. While perceived connectedness and perceived good price significantly influence in-app purchase intention. In the other side, Mobile game loyalty also has significant influence on in-app purchase intention. In addition, the result also found that perceived connectedness and perceived reward significantly influence perceived good price.

The Effect of Perceived Value and Mobile Game Loyalty on Mobile Game’s In-app Purchase Intention

Manuscript type: Empirical Research Research Aims: Investigate the effect of perceived value and mobile game loyalty on in-app purchase intention using case study male dominated game and female dominated game Design/methodology/approach: Conslusive descriptive research using Structural Equation Modelling Two-way approach Research Findings: It is found that on male dominated game and female dominated game economic value, social value, and game loyalty significantly influence in-app purchase intention While on male dominated game loyalty is influenced by emotional values, social values and economic values On the other hand, loyalty in female dominated game is influenced by emotional value, quality value, social value, and economic Theoretical Contribution/Originality: Provide insight regarding value that drive in-app purchase intention on freemium game in gender domination context Practitioner/Policy Implication: Provide insight to improve freemium game and contribute to give understanding on consumer behaviour primary in gaming context Research limitation/Implications: limited to particular game type (mobile game) and does not involved perceived risk in research framework

The effect of perceived value and mobile game loyalty on in-app purchase intention in mobile game in indonesia (case study: mobile legend and love nikki)

This study aims to determine the effect of Instagram Account Characteristic on Indonesian Beauty Blogger case studies on Consumer Purchase Intention that occurs in online transactions of beauty products. The research-based on the mediating role of Key Opinion Leadership owned by Instagram Beauty Blogger and Consumer Behavioral Intentions. The samples used in this study are followers of the Beauty Blogger account who have purchased beauty products online. Data is processed using the Structural Equation Modeling (SEM) method. Results showed that the aspects of the Instagram Account Characteristics had different influences concerning Key Opinion Leadership, namely Perceived Originality and Perceived Quality that did not have a positive effect, Perceived Uniqueness decreases the influence negatively and Perceived Quantity that positively influences Key Opinion Leadership. This resulted in a positive effect of Key Opinion Leadership on Consumer Behavioral Intentions on Intention to Interact and Intention to recommend but did not have a positive effect on Intention to Follow the Advice. These three aspects are then reinforced positively with moderating influences, namely Online Interaction Propensity and Perceived Fit with Personal Interest. In the end, it made the three aspects of Consumer Behavioral Intentions show a positive influence on Consumer Purchase Intention.

Anna Amalyah Agus

Papers

E-Commerce Performance, Digital Marketing Capability and Supply Chain Capability within E-Commerce Platform: Longitudinal Study Before and After COVID-19

E-commerce Platform Performance, Digital Marketing and Supply Chain Capabilities

The Effect of Perceived Value and Mobile Game Loyalty on Mobile Game’s In-app Purchase Intention

The effect of perceived value and mobile game loyalty on in-app purchase intention in mobile game in indonesia (case study: mobile legend and love nikki)

Analysis of Key Opinion Leadership on Instagram to Online Beauty Product Purchase