<pre><span>There are many factors that influence consumer intention to use electronic money. Based on the theory of planned behavior, behavior intention is formed by the attitude toward behavior, subjective norms and perceived behavioral control. This research aims to a<span>nalyze attitude, subjective norms and perceived behavioral control that affect consumer intention in the usage of electronic money</span>.<span>Data collection from respondents through a structured questionnaire by self-report. Some questions in the questionnaire were made on a Likert scale with five variations of the answers in very strongly disagreeable order to strongly agree. The respondents are 290 undergraduate students that have never used server-based electronic money. </span>The result showed that the attitude toward behavior did not a significantly affect the behavior intention. While the subjective norms and perceived behavioral control have a significant effect on the behavior intention <span>in the usage of electronic money.</span></span></pre>

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This empirical study aims to identify the effects of different factors influencing on customer satisfaction, such as perceived quality or perceived value in a case study in chemical industry. Understanding the effects of such variables helps us manage customers properly, balancing between perceived quality and perceived value. The research design is a quantitative method and employs Structural Equation Method (SEM) to ensure the correlation between constructs. The method results confirm that perceived value contributes a stronger influence on customer satisfaction than perceived quality does. Chemical market tends to put perceived value as a priority as long as the product quality meets the standard parameter. Perceived quality is reflected more by service while there is less point of differentiation on tangible product. The paper may limit the generalization of the findings, hence the replication in other industries are encouraged.

The purpose of this research was to analyze factors that influence Generation Y’s complaint behavior in online shopping. In general, Generation Y’s consumer of this research have a good perception of consumer rights. In contrast, the result showed that Generation Y in this research had a low complaint behavior. The research found that gender, strivers lifestyle, and number of social media account were influence Generation Y’s complaint behavior in online shopping. The result showed that male student did more complaint than female student. Generation Y who had strivers lifestyle will increase complaint behavior. The more Generation Y had social media account, the more Generation Y prefer to did a complaint.

The Developing of Micro, Small and Medium Enterprises (MSMEs) in Indonesia could not be separated from the support of banking system in bank credit disbursement to MSMEs sector. Mandiri Sharia Bank (BSM) is one of the sharia banks that had disbursed sharia micro financing (micro credit). The objective of this research was to analyze the influence of religiosity, pricing and corporate image toward the attitude and the intention to use sharia micro financing. This research, hopefully, could give recommendations of marketing strategies to increase the number of debtors to use sharia micro financing (micro credit). This research used 150 respondents that had been chosen purposively with some criteria, such as entrepreneurs (prospective customers) who have a company in MSMEs sector but they have never experienced using sharia micro financing. The data were analyzed using SEM with SmartPLS3 software. This is a quantitative research using a descriptive approach. The data of respondents were collected by face-to-face interview using a questionnaire tool. The result showed that pricing and corporate image through the attitude provided significant influence on the intention to use sharia micro financing. Meanwhile, the religiosity and corporate image provide insignificant influence on the intention to use sharia micro financing. The fixed pricing and good corporate image would increase the attitude and the intention to use sharia micro financial services.