Exploration of Perceptions of Bank X EDC Machine Users (Merchants) Regarding Products and Services Related to Edc Machines at Bank X Denpasar Regional
Year: 2024
Type: article
Abstract: Purpose:The Bank X is one of the largest banks in Indonesia which is currently carrying out a massive expansion and acquisition strategy related to increasing merchants who collaborate with Bank X in the use of non-cash transactions using EDC machines, Based on this, the Bank X Regional Office Denpasar needs to carry out a strategy that is in accordance with the perceptions and behavior of merchants or partners regarding EDC Bank X.This research uses a qualitative approach to obtain research results in accordance with the objectives to be achieved, namely finding out the reasons why merchants do not use EDC Bank X, the strengths and weaknesses of EDC Bank As a result of previous research and interviews, several factors were found that influence bank card users at other bank EDCs carried out by the merchants who were informants in this research, including because Bank X's EDC machine often had errors, Bank using AMEX, and cashiers from merchants who are accustomed or familiar with using Other Bank EDC machines compared to Bank X's EDC.Design/methodology/approach: This research was conducted using qualitative methods so that the research carried out was in accordance with the previously determined research objectives, namely to determine the perceptions of Bank X EDC machine users (Merchants) regarding products and services related to EDC machines at Bank or the most appropriate strategy to win competition with other banking companies.Findings: The findings from this research regarding the factors that cause partners not to use EDC Bank are because EDC Bank X machines often have errors, EDC Bank X cannot facilitate payments using AMEX, and cashiers from merchants who are used to or are familiar with using EDC machines from other banks compared to EDC Bank X.The strengths and weaknesses of EDC Bank X compared to other EDC Banks are banks X that have adopted the Android system, MDR which is cheaper than other banks, fast connection, fast complaint service compared to other EDC Banks in the Denpasar Regional Office.The shortcomings of EDC Bank X in the Denpasar Regional Office, in terms of payment features that cannot accept international payments, namely AMEX, cutver releases that take a relatively long time, check transactions that cannot be done in real time, and complaints that cannot be served within 24 hours, such as Bank Mandiri and BNI. Research limitations/implications:The scope of the research is limited only to banks X in the Denpasar Regional Office, so the results of this research cannot be applied widely and applied to other places or locations because the area of the Denpasar Regional Office is an area whose main industry is the tourism industry, where in this industry has different characteristics from other industries or other locations that are not tourist locations.This causes the data obtained from the results of this research to only be applied to locations with the same industry, namely the tourism industry.Practical implications: Similar research is carried out by the Bank X as a whole or throughout the Bank's X operational areas in order to obtain the most appropriate strategy for each region with diverse or different industries.
Institution: Universitas Airlangga
Language: English
Subfield: Marketing
Domain: Social Sciences
Open Access status: diamond
OpenAlex ID: W4408644631