{
  "job_id": "1",
  "sertifikat": {
    "veredik": "belum_ada_celah_jelas",
    "alasan": "1309 karya relevan sudah ada. Riset ini BERISIKO duplikasi; sarankan memperluas variabel/konteks sebelum lanjut. (veredik deterministik tanpa LLM — minta analisis LLM untuk narasi detail)",
    "judul_riset": "Pengaruh Kualitas Layanan terhadap Kepuasan Pengguna E-Wallet di Kalangan Mahasiswa",
    "jumlah_literatur": 1309,
    "sumber": "OpenAlex (API resmi, gratis $1/hari)",
    "llm_narasi_tersedia": true,
    "veredik_oleh": "deterministik + saran LLM",
    "narasi_celah": "Celah ada, tapi tipis. 1309 paper = topik \"kualitas layanan → kepuasan e-wallet\" sudah jenuh di level umum; kontribusi baru hanya dari segmentasi mahasiswa + model parsial 4-13 (bukan full SERVQUAL 5 dimensi). Yang benar-benar belum banyak: multi-platform switching (mahasiswa pakai GoPay+OVO+Dana sekaligus) dan persepsi biaya transaksional sebagai moderator — hampir tidak ada di 1309 itu. Metodologis, n=150 di SEM-PLS dengan 4 konstruk masih di atas batas minimum (10× jalur terpanjang ≈ 130), tapi common-method-bias di survei kuesioner tunggal tidak terlihat diuji di mayoritas paper sejenis — celah validitas, bukan celah teori. Jujur: ini replication study di konteks sempit, bukan discovery. Layak untuk skripsi/tesis, tidak layak klaim \"gap of knowledge\" di jurnal Q1."
  },
  "statistik": {
    "model": {
      "urutan_konstruk": [
        "Kualitas",
        "Kepercayaan",
        "Kepuasan",
        "Loyalitas"
      ],
      "indikator": {
        "Kualitas": [
          "K1",
          "K2",
          "K3",
          "K4"
        ],
        "Kepercayaan": [
          "T1",
          "T2",
          "T3"
        ],
        "Kepuasan": [
          "P1",
          "P2",
          "P3"
        ],
        "Loyalitas": [
          "L1",
          "L2",
          "L3"
        ]
      },
      "target": "Loyalitas",
      "targets": [
        "Loyalitas"
      ]
    },
    "n": 150,
    "path": {
      "Kualitas->Loyalitas": 0.05242957393356653,
      "Kepercayaan->Loyalitas": 0.1954521551159734,
      "Kepuasan->Loyalitas": 0.4459858802443328
    },
    "r2": {
      "Kualitas": 0.0,
      "Kepercayaan": 0.0,
      "Kepuasan": 0.0,
      "Loyalitas": 0.3043142296661757
    },
    "loadings": {
      "K1": 0.8729581129992747,
      "K2": 0.7318562947254632,
      "K3": 0.8741606109949275,
      "K4": 0.8017131834843974,
      "L1": 0.9071976136969118,
      "L2": 0.90542521482238,
      "L3": 0.8786486667125057,
      "P1": 0.8982061921622133,
      "P2": 0.8818027673855344,
      "P3": 0.8918528191972313,
      "T1": 0.8578476180311567,
      "T2": 0.8942884127466039,
      "T3": 0.8871095957842753
    },
    "ave": {
      "Kualitas": 0.6761425763920625,
      "Kepercayaan": 0.7742059119557032,
      "Kepuasan": 0.7932506451057929,
      "Loyalitas": 0.8049419364830627
    },
    "cr": {
      "Kualitas": 0.8983458901881255,
      "Kepercayaan": 0.9115007507441697,
      "Kepuasan": 0.9200750351673243,
      "Loyalitas": 0.9252926185659321
    },
    "htmt": {
      "Kualitas<->Kepercayaan": 0.053418822760194926,
      "Kualitas<->Kepuasan": 0.3074838382304231,
      "Kualitas<->Loyalitas": 0.17351598676804872,
      "Kepercayaan<->Kepuasan": 0.3450804376087441,
      "Kepercayaan<->Loyalitas": 0.3806987239172806,
      "Kepuasan<->Loyalitas": 0.5907620461770663
    },
    "vif": {
      "Kualitas": {
        "K1": 2.2720178331718177,
        "K2": 1.7585878345057042,
        "K3": 1.8022956509156791,
        "K4": 1.9653556406792725
      },
      "Kepercayaan": {
        "T1": 1.935689380703612,
        "T2": 2.4176871135953397,
        "T3": 2.1497791432955076
      },
      "Kepuasan": {
        "P1": 2.3710102324898066,
        "P2": 2.176885446027149,
        "P3": 2.3494306411689445
      },
      "Loyalitas": {
        "L1": 2.576180634813274,
        "L2": 2.5281338340986643,
        "L3": 2.22679526194002
      }
    },
    "f2": {
      "Kualitas": 0.003656791604048319,
      "Kepercayaan": 0.049721065389077855,
      "Kepuasan": 0.24104150410187786
    },
    "interpretasi": {
      "path": {
        "Kualitas->Loyalitas": {
          "nilai": 0.0524,
          "kategori": "sangat kecil",
          "status": "masalah",
          "rumus": "\\beta_{Kualitas \\to Loyalitas} = 0.0524",
          "catatan": "Pengaruh positif sangat kecil dari Kualitas ke Loyalitas."
        },
        "Kepercayaan->Loyalitas": {
          "nilai": 0.1955,
          "kategori": "kecil",
          "status": "baik",
          "rumus": "\\beta_{Kepercayaan \\to Loyalitas} = 0.1955",
          "catatan": "Pengaruh positif kecil dari Kepercayaan ke Loyalitas."
        },
        "Kepuasan->Loyalitas": {
          "nilai": 0.446,
          "kategori": "sedang",
          "status": "baik",
          "rumus": "\\beta_{Kepuasan \\to Loyalitas} = 0.4460",
          "catatan": "Pengaruh positif sedang dari Kepuasan ke Loyalitas."
        }
      },
      "r2": {
        "Loyalitas": {
          "nilai": 0.3043,
          "kategori": "lemah",
          "status": "waspada",
          "rumus": "R^2_{Loyalitas} = 1 - \\frac{SSE}{SST} = 0.3043",
          "catatan": "Variasi Loyalitas terjelaskan model sebesar 30.4%."
        }
      },
      "loadings": {
        "K1": {
          "nilai": 0.873,
          "status": "baik",
          "rumus": "\\lambda_{K1} = 0.8730",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "K2": {
          "nilai": 0.7319,
          "status": "baik",
          "rumus": "\\lambda_{K2} = 0.7319",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "K3": {
          "nilai": 0.8742,
          "status": "baik",
          "rumus": "\\lambda_{K3} = 0.8742",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "K4": {
          "nilai": 0.8017,
          "status": "baik",
          "rumus": "\\lambda_{K4} = 0.8017",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "L1": {
          "nilai": 0.9072,
          "status": "baik",
          "rumus": "\\lambda_{L1} = 0.9072",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "L2": {
          "nilai": 0.9054,
          "status": "baik",
          "rumus": "\\lambda_{L2} = 0.9054",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "L3": {
          "nilai": 0.8786,
          "status": "baik",
          "rumus": "\\lambda_{L3} = 0.8786",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "P1": {
          "nilai": 0.8982,
          "status": "baik",
          "rumus": "\\lambda_{P1} = 0.8982",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "P2": {
          "nilai": 0.8818,
          "status": "baik",
          "rumus": "\\lambda_{P2} = 0.8818",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "P3": {
          "nilai": 0.8919,
          "status": "baik",
          "rumus": "\\lambda_{P3} = 0.8919",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "T1": {
          "nilai": 0.8578,
          "status": "baik",
          "rumus": "\\lambda_{T1} = 0.8578",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "T2": {
          "nilai": 0.8943,
          "status": "baik",
          "rumus": "\\lambda_{T2} = 0.8943",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        },
        "T3": {
          "nilai": 0.8871,
          "status": "baik",
          "rumus": "\\lambda_{T3} = 0.8871",
          "catatan": "indikator merepresentasikan konstruknya dengan baik"
        }
      },
      "ave": {
        "Kualitas": {
          "nilai": 0.6761,
          "status": "baik",
          "rumus": "AVE_{Kualitas} = \\frac{\\sum_i \\lambda_i^2}{n} = 0.6761",
          "catatan": "validitas konvergen terpenuhi"
        },
        "Kepercayaan": {
          "nilai": 0.7742,
          "status": "baik",
          "rumus": "AVE_{Kepercayaan} = \\frac{\\sum_i \\lambda_i^2}{n} = 0.7742",
          "catatan": "validitas konvergen terpenuhi"
        },
        "Kepuasan": {
          "nilai": 0.7933,
          "status": "baik",
          "rumus": "AVE_{Kepuasan} = \\frac{\\sum_i \\lambda_i^2}{n} = 0.7933",
          "catatan": "validitas konvergen terpenuhi"
        },
        "Loyalitas": {
          "nilai": 0.8049,
          "status": "baik",
          "rumus": "AVE_{Loyalitas} = \\frac{\\sum_i \\lambda_i^2}{n} = 0.8049",
          "catatan": "validitas konvergen terpenuhi"
        }
      },
      "cr": {
        "Kualitas": {
          "nilai": 0.8983,
          "status": "baik",
          "rumus": "\\rho_c = \\frac{(\\sum_i \\lambda_i)^2}{(\\sum_i \\lambda_i)^2 + \\sum_i (1-\\lambda_i^2)} = 0.8983",
          "catatan": "reliabilitas konstruk memadai"
        },
        "Kepercayaan": {
          "nilai": 0.9115,
          "status": "baik",
          "rumus": "\\rho_c = \\frac{(\\sum_i \\lambda_i)^2}{(\\sum_i \\lambda_i)^2 + \\sum_i (1-\\lambda_i^2)} = 0.9115",
          "catatan": "reliabilitas konstruk memadai"
        },
        "Kepuasan": {
          "nilai": 0.9201,
          "status": "baik",
          "rumus": "\\rho_c = \\frac{(\\sum_i \\lambda_i)^2}{(\\sum_i \\lambda_i)^2 + \\sum_i (1-\\lambda_i^2)} = 0.9201",
          "catatan": "reliabilitas konstruk memadai"
        },
        "Loyalitas": {
          "nilai": 0.9253,
          "status": "baik",
          "rumus": "\\rho_c = \\frac{(\\sum_i \\lambda_i)^2}{(\\sum_i \\lambda_i)^2 + \\sum_i (1-\\lambda_i^2)} = 0.9253",
          "catatan": "reliabilitas konstruk memadai"
        }
      },
      "htmt": {
        "Kualitas<->Kepercayaan": {
          "nilai": 0.0534,
          "status": "baik",
          "rumus": "HTMT_{Kualitas<, >Kepercayaan} = \\frac{\\mathrm{mean}(r_{antara})}{\\sqrt{\\mathrm{mean}(r_{dalam,1})\\cdot\\mathrm{mean}(r_{dalam,2})}} = 0.0534",
          "catatan": "diskriminasi antar-konstruk baik"
        },
        "Kualitas<->Kepuasan": {
          "nilai": 0.3075,
          "status": "baik",
          "rumus": "HTMT_{Kualitas<, >Kepuasan} = \\frac{\\mathrm{mean}(r_{antara})}{\\sqrt{\\mathrm{mean}(r_{dalam,1})\\cdot\\mathrm{mean}(r_{dalam,2})}} = 0.3075",
          "catatan": "diskriminasi antar-konstruk baik"
        },
        "Kualitas<->Loyalitas": {
          "nilai": 0.1735,
          "status": "baik",
          "rumus": "HTMT_{Kualitas<, >Loyalitas} = \\frac{\\mathrm{mean}(r_{antara})}{\\sqrt{\\mathrm{mean}(r_{dalam,1})\\cdot\\mathrm{mean}(r_{dalam,2})}} = 0.1735",
          "catatan": "diskriminasi antar-konstruk baik"
        },
        "Kepercayaan<->Kepuasan": {
          "nilai": 0.3451,
          "status": "baik",
          "rumus": "HTMT_{Kepercayaan<, >Kepuasan} = \\frac{\\mathrm{mean}(r_{antara})}{\\sqrt{\\mathrm{mean}(r_{dalam,1})\\cdot\\mathrm{mean}(r_{dalam,2})}} = 0.3451",
          "catatan": "diskriminasi antar-konstruk baik"
        },
        "Kepercayaan<->Loyalitas": {
          "nilai": 0.3807,
          "status": "baik",
          "rumus": "HTMT_{Kepercayaan<, >Loyalitas} = \\frac{\\mathrm{mean}(r_{antara})}{\\sqrt{\\mathrm{mean}(r_{dalam,1})\\cdot\\mathrm{mean}(r_{dalam,2})}} = 0.3807",
          "catatan": "diskriminasi antar-konstruk baik"
        },
        "Kepuasan<->Loyalitas": {
          "nilai": 0.5908,
          "status": "baik",
          "rumus": "HTMT_{Kepuasan<, >Loyalitas} = \\frac{\\mathrm{mean}(r_{antara})}{\\sqrt{\\mathrm{mean}(r_{dalam,1})\\cdot\\mathrm{mean}(r_{dalam,2})}} = 0.5908",
          "catatan": "diskriminasi antar-konstruk baik"
        }
      },
      "vif": {
        "Kualitas.K1": {
          "nilai": 2.272,
          "status": "baik",
          "rumus": "VIF_{K1} = \\frac{1}{1 - R_i^2} = 2.2720",
          "catatan": "tidak ada multikolinearitas"
        },
        "Kualitas.K2": {
          "nilai": 1.7586,
          "status": "baik",
          "rumus": "VIF_{K2} = \\frac{1}{1 - R_i^2} = 1.7586",
          "catatan": "tidak ada multikolinearitas"
        },
        "Kualitas.K3": {
          "nilai": 1.8023,
          "status": "baik",
          "rumus": "VIF_{K3} = \\frac{1}{1 - R_i^2} = 1.8023",
          "catatan": "tidak ada multikolinearitas"
        },
        "Kualitas.K4": {
          "nilai": 1.9654,
          "status": "baik",
          "rumus": "VIF_{K4} = \\frac{1}{1 - R_i^2} = 1.9654",
          "catatan": "tidak ada multikolinearitas"
        },
        "Kepercayaan.T1": {
          "nilai": 1.9357,
          "status": "baik",
          "rumus": "VIF_{T1} = \\frac{1}{1 - R_i^2} = 1.9357",
          "catatan": "tidak ada multikolinearitas"
        },
        "Kepercayaan.T2": {
          "nilai": 2.4177,
          "status": "baik",
          "rumus": "VIF_{T2} = \\frac{1}{1 - R_i^2} = 2.4177",
          "catatan": "tidak ada multikolinearitas"
        },
        "Kepercayaan.T3": {
          "nilai": 2.1498,
          "status": "baik",
          "rumus": "VIF_{T3} = \\frac{1}{1 - R_i^2} = 2.1498",
          "catatan": "tidak ada multikolinearitas"
        },
        "Kepuasan.P1": {
          "nilai": 2.371,
          "status": "baik",
          "rumus": "VIF_{P1} = \\frac{1}{1 - R_i^2} = 2.3710",
          "catatan": "tidak ada multikolinearitas"
        },
        "Kepuasan.P2": {
          "nilai": 2.1769,
          "status": "baik",
          "rumus": "VIF_{P2} = \\frac{1}{1 - R_i^2} = 2.1769",
          "catatan": "tidak ada multikolinearitas"
        },
        "Kepuasan.P3": {
          "nilai": 2.3494,
          "status": "baik",
          "rumus": "VIF_{P3} = \\frac{1}{1 - R_i^2} = 2.3494",
          "catatan": "tidak ada multikolinearitas"
        },
        "Loyalitas.L1": {
          "nilai": 2.5762,
          "status": "baik",
          "rumus": "VIF_{L1} = \\frac{1}{1 - R_i^2} = 2.5762",
          "catatan": "tidak ada multikolinearitas"
        },
        "Loyalitas.L2": {
          "nilai": 2.5281,
          "status": "baik",
          "rumus": "VIF_{L2} = \\frac{1}{1 - R_i^2} = 2.5281",
          "catatan": "tidak ada multikolinearitas"
        },
        "Loyalitas.L3": {
          "nilai": 2.2268,
          "status": "baik",
          "rumus": "VIF_{L3} = \\frac{1}{1 - R_i^2} = 2.2268",
          "catatan": "tidak ada multikolinearitas"
        }
      },
      "f2": {
        "Kualitas": {
          "nilai": 0.0037,
          "kategori": "diabaikan",
          "status": "masalah",
          "rumus": "f^2_{Kualitas} = \\frac{R^2_{inklusi} - R^2_{eksklusi}}{1 - R^2_{inklusi}} = 0.0037",
          "catatan": "Ukuran efek Kualitas: diabaikan (Cohen)."
        },
        "Kepercayaan": {
          "nilai": 0.0497,
          "kategori": "kecil",
          "status": "baik",
          "rumus": "f^2_{Kepercayaan} = \\frac{R^2_{inklusi} - R^2_{eksklusi}}{1 - R^2_{inklusi}} = 0.0497",
          "catatan": "Ukuran efek Kepercayaan: kecil (Cohen)."
        },
        "Kepuasan": {
          "nilai": 0.241,
          "kategori": "sedang",
          "status": "baik",
          "rumus": "f^2_{Kepuasan} = \\frac{R^2_{inklusi} - R^2_{eksklusi}}{1 - R^2_{inklusi}} = 0.2410",
          "catatan": "Ukuran efek Kepuasan: sedang (Cohen)."
        }
      }
    },
    "bootstrap": {
      "n_iterations": 200,
      "metode": "percentile 2.5 / 97.5",
      "path_ci": {
        "Kualitas->Loyalitas": {
          "estimat": 0.05243,
          "mean": 0.064827,
          "std_error": 0.088918,
          "ci_lower": -0.1775,
          "ci_upper": 0.209413,
          "t_stat": 0.589643
        },
        "Kepercayaan->Loyalitas": {
          "estimat": 0.195452,
          "mean": 0.20809,
          "std_error": 0.073729,
          "ci_lower": 0.064291,
          "ci_upper": 0.354221,
          "t_stat": 2.650968
        },
        "Kepuasan->Loyalitas": {
          "estimat": 0.445986,
          "mean": 0.437739,
          "std_error": 0.073302,
          "ci_lower": 0.298319,
          "ci_upper": 0.563842,
          "t_stat": 6.084204
        }
      },
      "r2_ci": {
        "Loyalitas": {
          "estimat": 0.304314,
          "mean": 0.326753,
          "std_error": 0.059562,
          "ci_lower": 0.227361,
          "ci_upper": 0.435374,
          "t_stat": 5.109174
        }
      }
    },
    "ipma": {
      "target": "Loyalitas",
      "indicators": {},
      "constructs": {
        "K3": {
          "importance": 0.0,
          "performance": 50.0
        },
        "K4": {
          "importance": 0.0,
          "performance": 50.0
        },
        "P1": {
          "importance": 0.0,
          "performance": 50.0
        },
        "T3": {
          "importance": 0.0,
          "performance": 50.0
        },
        "K2": {
          "importance": 0.0,
          "performance": 50.0
        },
        "P3": {
          "importance": 0.0,
          "performance": 50.0
        },
        "L1": {
          "importance": 0.0,
          "performance": 50.0
        },
        "L2": {
          "importance": 0.0,
          "performance": 50.0
        },
        "L3": {
          "importance": 0.0,
          "performance": 50.0
        },
        "T2": {
          "importance": 0.0,
          "performance": 50.0
        },
        "T1": {
          "importance": 0.0,
          "performance": 50.0
        },
        "P2": {
          "importance": 0.0,
          "performance": 50.0
        },
        "K1": {
          "importance": 0.0,
          "performance": 50.0
        }
      },
      "quadrants": {
        "keep_up": [
          "K3",
          "K4",
          "P1",
          "T3",
          "K2",
          "P3",
          "L1",
          "L2",
          "L3",
          "T2",
          "T1",
          "P2",
          "K1"
        ],
        "concentrate": [],
        "low_priority": [],
        "possible_overkill": []
      }
    },
    "cross_validation": {
      "status": "DIVERIFIKASI_SILANG",
      "n_koefisien": 3,
      "selisih_maks": 0.079434,
      "searah_semua": true,
      "detail": "03_matrix/cross_validation.json"
    },
    "cfa": {
      "status": "LULUS",
      "alasan": "Semua loading, AVE, dan CR memenuhi ambang.",
      "n": 150,
      "loadings": {
        "Kualitas": {
          "K1": 0.840972,
          "K2": 0.716592,
          "K3": 0.732111,
          "K4": 0.769461
        },
        "Kepercayaan": {
          "T1": 0.763923,
          "T2": 0.8644,
          "T3": 0.81531
        },
        "Kepuasan": {
          "P1": 0.846656,
          "P2": 0.808259,
          "P3": 0.837275
        },
        "Loyalitas": {
          "L1": 0.863404,
          "L2": 0.857577,
          "L3": 0.80252
        }
      },
      "reliabilitas": {
        "Kualitas": {
          "CR": 0.85002,
          "AVE": 0.587199
        },
        "Kepercayaan": {
          "CR": 0.856003,
          "AVE": 0.665165
        },
        "Kepuasan": {
          "CR": 0.869905,
          "AVE": 0.690379
        },
        "Loyalitas": {
          "CR": 0.879188,
          "AVE": 0.708314
        }
      },
      "fit": {
        "CFI": 1.007137,
        "TLI": 1.009436,
        "RMSEA": 0.0,
        "chi2": 52.117037,
        "DoF": 59.0
      },
      "loading_terstandar": true
    },
    "efa": {
      "muatan_faktor": {
        "K1": [
          -0.45294427579114777,
          -0.8458804941232183,
          -0.3709449246675437
        ],
        "K2": [
          -0.2895592785407379,
          -0.6866283288218011,
          -0.2953471578955113
        ],
        "K3": [
          -0.3742224745074006,
          -0.7631299512965847,
          -0.14844727342321393
        ],
        "K4": [
          -0.2936900091714276,
          -0.7573476593433331,
          -0.24129282498763086
        ],
        "T1": [
          -0.6314952151693984,
          0.45943769157508546,
          -0.47853723007494464
        ],
        "T2": [
          -0.6628542131270336,
          0.49390250650641454,
          -0.5767554842741683
        ],
        "T3": [
          -0.6630266882818444,
          0.46262024559724063,
          -0.48487190258625806
        ],
        "P1": [
          -0.7944892905577652,
          -0.14286733060703638,
          0.17057143543454073
        ],
        "P2": [
          -0.7480785988831669,
          -0.11488225870487768,
          0.16530887201772507
        ],
        "P3": [
          -0.7505325448280261,
          -0.10402793942324769,
          0.12273685807577633
        ],
        "L1": [
          -0.9363072822423838,
          -0.008658809404584652,
          0.4703609524778204
        ],
        "L2": [
          -0.9262236817278695,
          0.03016934610806831,
          0.5445465291757368
        ],
        "L3": [
          -0.8938877578830406,
          0.15047718864375145,
          0.43131973658948103
        ]
      },
      "nilai_eigen": [
        4.484559825548584,
        2.6550673040751582,
        1.6398201435021584,
        1.144574399240935,
        0.4992079484577988,
        0.4616051052539047,
        0.40509012494086855,
        0.3748773278153341,
        0.3504730594782498,
        0.29068491916197425,
        0.2767440209297413,
        0.212601491564358,
        0.20469433003093518
      ],
      "varians_kumulatif": [
        0.34496614042681417,
        0.549202086894134,
        0.6753420979327616,
        0.7633862824897565,
        0.8017868939095872,
        0.8372949789291183,
        0.8684557577707235,
        0.8972924752949799,
        0.9242519414086914,
        0.9466123198057663,
        0.9679003214157463,
        0.9842542823053123,
        0.9999999999999998
      ],
      "metode": "sklearn FactorAnalysis 1.9.1",
      "rotasi": "tanpa_rotasi",
      "status": "OK"
    },
    "cluster": {
      "label": [
        1,
        0,
        1,
        0,
        1,
        0,
        0,
        1,
        1,
        0,
        0,
        1,
        0,
        1,
        0,
        1,
        1,
        1,
        1,
        0,
        0,
        0,
        0,
        0,
        0,
        0,
        1,
        1,
        0,
        0,
        1,
        0,
        0,
        0,
        1,
        0,
        0,
        1,
        0,
        0,
        0,
        0,
        1,
        1,
        0,
        1,
        0,
        0,
        0,
        0,
        0,
        0,
        0,
        1,
        0,
        1,
        0,
        1,
        1,
        0,
        0,
        1,
        1,
        0,
        1,
        1,
        0,
        0,
        1,
        0,
        0,
        1,
        0,
        0,
        1,
        1,
        1,
        1,
        1,
        1,
        0,
        0,
        0,
        1,
        1,
        1,
        1,
        1,
        0,
        0,
        0,
        0,
        0,
        1,
        1,
        1,
        1,
        0,
        0,
        0,
        0,
        0,
        0,
        1,
        0,
        1,
        0,
        0,
        1,
        1,
        1,
        1,
        0,
        0,
        1,
        1,
        1,
        1,
        0,
        0,
        1,
        0,
        1,
        1,
        1,
        0,
        0,
        1,
        1,
        0,
        0,
        0,
        1,
        0,
        0,
        1,
        0,
        1,
        0,
        1,
        1,
        0,
        1,
        0,
        0,
        0,
        0,
        0,
        0,
        1
      ],
      "titik_pusat": [
        [
          3.7108433734939763,
          3.5301204819277108,
          3.698795180722892,
          3.5903614457831323,
          3.975903614457831,
          3.8674698795180715,
          3.9397590361445785,
          4.240963855421687,
          4.08433734939759,
          4.16867469879518,
          4.1566265060240974,
          4.1566265060240974,
          4.144578313253012
        ],
        [
          3.179104477611941,
          3.074626865671642,
          3.134328358208956,
          3.4477611940298507,
          3.0597014925373136,
          3.0597014925373127,
          2.9253731343283587,
          2.4776119402985075,
          2.507462686567163,
          2.5074626865671634,
          2.4626865671641798,
          2.46268656716418,
          2.3880597014925375
        ]
      ],
      "silhouette": 0.23200839383528754,
      "metode": "sklearn KMeans 1.9.1",
      "status": "OK"
    }
  },
  "warnings_data": {
    "warnings": [],
    "redacted_columns": []
  },
  "freq": {
    "frekuensi(responden)": {
      "uji": "frekuensi",
      "status": "OK",
      "kolom": "responden",
      "n": 150,
      "kategori": 150,
      "tbl": [
        {
          "nilai": "R001",
          "jumlah": 1,
          "persen": 0.67
        },
        {
          "nilai": "R002",
          "jumlah": 1,
          "persen": 0.67
        },
        {
          "nilai": "R003",
          "jumlah": 1,
          "persen": 0.67
        },
        {
          "nilai": "R004",
          "jumlah": 1,
          "persen": 0.67
        },
        {
          "nilai": "R005",
          "jumlah": 1,
          "persen": 0.67
        },
        {
          "nilai": "R006",
          "jumlah": 1,
          "persen": 0.67
        },
        {
          "nilai": "R007",
          "jumlah": 1,
          "persen": 0.67
        },
        {
          "nilai": "R008",
          "jumlah": 1,
          "persen": 0.67
        },
        {
          "nilai": "R009",
          "jumlah": 1,
          "persen": 0.67
        },
        {
          "nilai": "R010",
          "jumlah": 1,
          "persen": 0.67
        }
      ]
    }
  },
  "literatur": {
    "total": 1309,
    "results": [
      {
        "title": "E-Service Quality, E-Wallet Dan Kepercayaan Terhadap Minat Beli Pada Pengguna Pembayaran Non Tunai Aplikasi Shopee",
        "year": 2023,
        "cited_by": 25,
        "doi": "https://doi.org/10.37641/jimkes.v11i2.1997",
        "source": "Jurnal Ilmiah Manajemen Kesatuan",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Institut Bisnis dan Informatika Kesatuan",
        "issn": "2721-169X"
      },
      {
        "title": "Pengaruh Kemudahan Penggunaan, Kemanfaatan, Risiko, dan Kepercayaan terhadap Minat Menggunakan E-wallet pada Generasi Milenial Kota Semarang",
        "year": 2020,
        "cited_by": 59,
        "doi": "https://doi.org/10.31331/jeee.v1i2.1293",
        "source": "Journal of Economic Education and Entrepreneurship",
        "publisher": "IKIP Veteran Semarang",
        "issn": "2721-835X"
      },
      {
        "title": "Pengaruh Fintech e-wallet Terhadap Perilaku Konsumtif Pada Generasi Millennial",
        "year": 2020,
        "cited_by": 27,
        "doi": "https://doi.org/10.35314/inovbiz.v8i2.1513",
        "source": "Inovbiz Jurnal Inovasi Bisnis",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Politeknik Negeri Bengkalis",
        "issn": "2614-6983"
      },
      {
        "title": "PENGARUH PROMOSI, PERSEPSI KEMUDAHAN DAN PERSEPSI MANFAAT TERHADAP MINAT PENGGUNAAN E-WALLET DENGAN KEPERCAYAAN SEBAGAI VARIABEL MEDIASI PADA PENGGUNA E-WALLET DI KOTA BANJARMASIN",
        "year": 2021,
        "cited_by": 19,
        "doi": "https://doi.org/10.35972/kindai.v17i3.631",
        "source": "KINDAI",
        "publisher": "Sekolah Tinggi Ilmu Ekonomi Pancasetia BANJARMASIN",
        "issn": "2746-0266"
      },
      {
        "title": "EFEKTIFITAS PENGGUNAAN E-WALLET DIKALANGAN MAHASISWA DALAM PROSES MENENTUKAN KEPUTUSAN PEMBELIAN",
        "year": 2021,
        "cited_by": 27,
        "doi": "https://doi.org/10.35914/jemma.v4i2.725",
        "source": "JEMMA (Journal of Economic Management and Accounting)",
        "publisher": "Universitas Andi Djemma",
        "issn": "2615-5850"
      },
      {
        "title": "PENGARUH PERSEPSI KEMUDAHAN, KUALITAS LAYANAN, DAN RISIKO KEAMANAN TERHADAP KEPUTUSAN PENGGUNAAN E-WALLET DALAM TRANSAKSI KEUANGAN",
        "year": 2023,
        "cited_by": 4,
        "doi": "https://doi.org/10.24843/eeb.2023.v12.i03.p05",
        "source": "E-Jurnal Ekonomi dan Bisnis Universitas Udayana",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Universitas Udayana",
        "issn": "2337-3067"
      },
      {
        "title": "Analisis Cluster Kepuasan Pengguna Terhadap Layanan Shopee Menggunakan Algoritma K-Means",
        "year": 2021,
        "cited_by": 3,
        "doi": "https://doi.org/10.52958/iftk.v17i3.3654",
        "source": "Informatik Jurnal Ilmu Komputer",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Fakultas Ilmu Komputer, UPN Veteran Jakarta",
        "issn": "2655-139X"
      },
      {
        "title": "Peran Moderasi Motivasi Hedonis pada Pengaruh Promosi Penjualan terhadap Niat Penggunaan Ulang Layanan Dompet Elektronik di Kalangan Milenial",
        "year": 2021,
        "cited_by": 9,
        "doi": "https://doi.org/10.26740/jim.v9n1.p57-67",
        "source": "Jurnal Ilmu Manajemen",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Universitas Negeri Surabaya",
        "issn": "2549-192X"
      },
      {
        "title": "Persepsi citra merek dan komunikasi interpersonal sebagai prediktor kepuasan konsumen: Studi pada mahasiswa pengguna e-Wallet OVO",
        "year": 2022,
        "cited_by": 4,
        "doi": "https://doi.org/10.22219/jipt.v10i1.13572",
        "source": "Jurnal Ilmiah Psikologi Terapan",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Universitas Muhammadiyah Malang",
        "issn": "2540-8291",
        "open_access": true
      },
      {
        "title": "Sentiment Analysis Analysis of E-Wallet Sentiments on Google Play Using the Naive Bayes Algorithm Based on Particle Swarm Optimization",
        "year": 2019,
        "cited_by": 26,
        "doi": "https://doi.org/10.29207/resti.v3i3.1118",
        "source": "Jurnal RESTI (Rekayasa Sistem dan Teknologi Informasi)",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Ikatan Ahli Informatika Indonesia (IAII)",
        "issn": "2580-0760",
        "open_access": true
      },
      {
        "title": "Analisis Kepuasan Gen Z Dalam Menggunakan QRIS Di Kota Pematangsiantar",
        "year": 2022,
        "cited_by": 16,
        "doi": "https://doi.org/10.36985/manajemen.v4i1.351",
        "source": "Manajemen : Jurnal Ekonomi/Manajemen: Jurnal Ekonomi",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Universitas Simalungun",
        "issn": "2302-5964"
      },
      {
        "title": "Analisis Faktor Adopsi E-Wallet Gopay, OVO, dan DANA dengan Model UTAUT2 pada Masyarakat Jawa Barat",
        "year": 2022,
        "cited_by": 19,
        "doi": "https://doi.org/10.21831/nominal.v11i1.43075",
        "source": "Nominal Barometer Riset Akuntansi dan Manajemen",
        "publisher": "Universitas Negeri Yogyakarta",
        "issn": "2502-5430",
        "open_access": true
      },
      {
        "title": "Pengaruh persepsi kemudahan, kegunaan dan kepuasan terhadap loyalitas melalui kepercayaan nasabah pengguna mobile banking BCA",
        "year": 2022,
        "cited_by": 5,
        "doi": "https://doi.org/10.31842/jurnalinobis.v6i1.258",
        "source": "INOBIS Jurnal Inovasi Bisnis dan Manajemen Indonesia",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Asosiasi Forum Inovasi Bisnis dan Manajemen (INOBIS)",
        "issn": "2614-0462"
      },
      {
        "title": "Pengaruh Kualitas E-Service terhadap Kepuasan Pelanggan Pengguna E-Commerce Shopee",
        "year": 2023,
        "cited_by": 2,
        "doi": "https://doi.org/10.57141/kompeten.v2i1.56",
        "source": "Kompeten Jurnal Ilmiah Ekonomi dan Bisnis",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Seval Literindo Kreasi",
        "issn": "2962-2859"
      },
      {
        "title": "Kepuasan Pengguna Layanan Shopee Food Menggunakan Algoritma Naive Bayes",
        "year": 2022,
        "cited_by": 1,
        "doi": "https://doi.org/10.21456/vol12iss2pp98-105",
        "source": "JURNAL SISTEM INFORMASI BISNIS",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Institute of Research and Community Services Diponegoro University (LPPM UNDIP)",
        "issn": "2502-2377"
      },
      {
        "title": "Analisis Pengaruh Sosial CRM Terhadap Loyalitas Customer Pada Layanan Pengguna Aplikasi DANA",
        "year": 2022,
        "cited_by": 3,
        "doi": "https://doi.org/10.30865/mib.v6i2.3531",
        "source": "JURNAL MEDIA INFORMATIKA BUDIDARMA",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "STMIK Budi Darma",
        "issn": "2548-8368"
      },
      {
        "title": "DETERMINAN KEPUASAN KEUANGAN (FINANCIAL SATISFACTION) BERBASIS LITERASI KEUANGAN PADA PENGGUNA FINTECH SHOPEEPAY",
        "year": 2022,
        "cited_by": 4,
        "doi": "https://doi.org/10.22437/jmk.v11i2.18848",
        "source": "Jurnal Manajemen Terapan dan Keuangan",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Faculty of Education and Teacher Training, Jambi University",
        "issn": "2685-9424"
      },
      {
        "title": "Pengaruh E-Service Quality dan Experiential Marketing terhadap Kepuasan Pelanggan pada Pengguna E-Wallet ShopeePay di Kota Jambi",
        "year": 2022,
        "cited_by": 2,
        "doi": "https://doi.org/10.33998/jumanage.2022.1.2.94",
        "source": "Jurnal Ilmiah Manajemen dan Kewirausahaan (JUMANAGE)",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "LPPM STIKOM Dinamika Bangsa Jambi",
        "issn": "2828-0296"
      },
      {
        "title": "PENERAPAN CUSTOMER RELATIONSHIP MANAGEMENT (CRM) SEBAGAI UPAYA MENINGKATKAN KEPUASAN DAN LOYALITAS PELANGGAN PADA GELORA MUKTI SPORT BERBASIS WEB",
        "year": 2019,
        "cited_by": 10,
        "doi": "https://doi.org/10.25134/nuansa.v13i2.1948",
        "source": "NUANSA INFORMATIKA",
        "publisher": "University of Kuningan",
        "issn": "2614-5405"
      },
      {
        "title": "ANALISIS POSITIONING E-WALLET BERDASARKAN PERCEPTUAL MAPPING",
        "year": 2019,
        "cited_by": 6,
        "doi": "https://doi.org/10.37531/sejaman.v3i1.531",
        "source": "SEIKO Journal of Management & Business",
        "publisher": "Sekolah Tinggi Ilmu Ekonomi Amkop Makassar",
        "issn": "2598-831X"
      },
      {
        "title": "Analisis Faktor Kepuasan Pengguna Gopay dalam Digital Financial Management",
        "year": 2023,
        "cited_by": 1,
        "doi": "https://doi.org/10.55606/jimas.v2i1.219",
        "source": "Journal of Management and Social Sciences",
        "publisher": "Politeknik Pratama Purwokerto",
        "issn": "2963-5497"
      },
      {
        "title": "Kualitas Layanan dan Harga terhadap Kepuasan Pelanggan: Studi Empiris pada Minuman dan Makanan",
        "year": 2023,
        "cited_by": 1,
        "doi": "https://doi.org/10.31940/jbk.v19i2.139-150",
        "source": "Jurnal Bisnis dan Kewirausahaan",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Politeknik Negeri Bali",
        "issn": "0216-9843",
        "open_access": true
      },
      {
        "title": "Kualitas Pelayanan Aplikasi Dana Terhadap Kepuasan Konsumen",
        "year": 2021,
        "cited_by": 1,
        "doi": "https://doi.org/10.28932/jis.v4i2.3861",
        "source": "Journal of Integrated System",
        "publisher": "Maranatha Christian University",
        "issn": "2621-7104"
      },
      {
        "title": "PENGARUH KEMUDAHAN DAN KEAMANAN TERHADAP LOYALITAS PELANGGAN E-WALLET APLIKASI DANA",
        "year": 2022,
        "cited_by": 6,
        "doi": "https://doi.org/10.31932/jpe.v7i3.2123",
        "source": "Jurnal Pendidikan Ekonomi (JURKAMI)",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "STKIP Persada Khatulistiwa",
        "issn": "2541-0938"
      },
      {
        "title": "Faktor Pengaruh Minat Pengguna Financial Technology pada E-Wallet (Survei pada Pengguna Shopeepay)",
        "year": 2022,
        "cited_by": 1,
        "doi": "https://doi.org/10.59141/comserva.v2i5.340",
        "source": "COMSERVA Jurnal Penelitian dan Pengabdian Masyarakat",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Publikasi Indonesia",
        "issn": "2798-5210"
      },
      {
        "title": "Analisis Komparatif E-Service Quality Pada E-Wallet, Ovo Dan Dana Di Kalangan Mahasiswa Fakultas Ekonomi Universitas Nias",
        "year": 2024,
        "cited_by": 1,
        "doi": "https://doi.org/10.47709/jebma.v4i3.4748",
        "source": "Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (JEBMA)",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Information Technology and Science (ITScience)",
        "issn": "2797-7161"
      },
      {
        "title": "Penggunaan Dompet Digital dan Wallet Terhadap Budaya Konsumtif pada Masyarakat di Kota Tangerang Serta Pandangan Syariah Tentang Etika Konsumsi",
        "year": 2022,
        "cited_by": 11,
        "doi": "https://doi.org/10.59833/altasyree.v14i01.710",
        "source": "Al-Tasyree Jurnal Bisnis Keuangan dan Ekonomi Syariah",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Fakultas Syariah Institut Perguruan Tinggi Ilmu Al Qur'an Jakarta",
        "issn": "2086-0943"
      },
      {
        "title": "Pengaruh E-Service Quality dan Enjoyment terhadap Repeat Usage E-Wallet Gopay Melalui Trust pada Generasi Milenial Di Surabaya",
        "year": 2021,
        "cited_by": 4,
        "doi": "https://doi.org/10.46799/jsa.v2i2.179",
        "source": "Jurnal Syntax Admiration",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Ridwan Institute",
        "issn": "2722-5356"
      },
      {
        "title": "Persepsi Konsumen terhadap Kualitas Layanan Online GoFood",
        "year": 2024,
        "cited_by": 1,
        "doi": "https://doi.org/10.47134/converse.v1i1.2854",
        "source": "CONVERSE Journal Communication Science",
        "publisher": "Indonesian Journal Publisher",
        "issn": "3063-0738"
      },
      {
        "title": "Persepsi Pengguna OVO Terhadap Kepercayaan Pengguna Mobile Payment",
        "year": 2022,
        "cited_by": 2,
        "doi": "https://doi.org/10.52300/jmso.v3i1.4218",
        "source": "Jurnal Manajemen Sains dan Organisasi",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Fakultas Ekonomi dan Bisnis Universitas Palangka Raya",
        "issn": "2798-9577"
      },
      {
        "title": "Pengaruh E-Service Quality dan Electronic Word-Of-Mouth terhadap Repurchase Intention pada Pengguna E-Wallet Ovo di Kalangan Gen Z Kota Bandung",
        "year": 2026,
        "cited_by": 1,
        "doi": "https://doi.org/10.29313/bcsbm.v6i1.23345",
        "source": "Bandung Conference Series Business and Management",
        "publisher": "Universitas Islam Bandung (Unisba)",
        "issn": "2828-2531"
      },
      {
        "title": "PREFERENSI GENERASI MILENIAL DALAM MENGGUNAKAN E-WALLET DI KOTA DENPASAR",
        "year": 2022,
        "cited_by": 4,
        "doi": "https://doi.org/10.24843/eeb.2022.v11.i05.p07",
        "source": "E-Jurnal Ekonomi dan Bisnis Universitas Udayana",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Universitas Udayana",
        "issn": "2337-3067"
      },
      {
        "title": "Determinasi Loyalitas Pengguna E-Wallet di Kabupaten Bekasi: Peran Kepercayaan dan Persepsi Resiko",
        "year": 2026,
        "cited_by": 1,
        "doi": "https://doi.org/10.59422/global.v4i01.1174",
        "source": "GLOBAL Jurnal Lentera BITEP",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "PT Lentera Ilmu Nusantara",
        "issn": "3025-5503"
      },
      {
        "title": "PENGARUH KEMUDAHAN PENGGUNAAN DAN PROMOSI PENJUALAN TERHADAP KEPUTUSAN PENGGUNAAN E-WALLET DANA PADA MAHASISWA DI KOTA YOGYAKARTA",
        "year": 2023,
        "cited_by": 6,
        "doi": "https://doi.org/10.56521/manajemen-dirgantara.v16i1.822",
        "source": "Jurnal Manajemen Dirgantara",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Sekolah Tinggi Teknologi Kedirgantaraan Yogyakarta",
        "issn": "2622-0946"
      },
      {
        "title": "E-wallet Adoption in The Covid-19 Period: The Roles Of Perceived Benefits As Mediating Variabel",
        "year": 2023,
        "cited_by": 4,
        "doi": "https://doi.org/10.33476/jobs.v4i1.3604",
        "source": "Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS)",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Lembaga Penelitian Universitas YARSI",
        "issn": "2722-7995"
      },
      {
        "title": "Determinan Penggunaan E-Wallet Generasi Milenial Muslim",
        "year": 2023,
        "cited_by": 3,
        "doi": "https://doi.org/10.33507/labatila.v6i02.1025",
        "source": "JURNAL LABATILA",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Pascasarjana IAINU Kebumen",
        "issn": "2621-3818"
      },
      {
        "title": "Faktor Yang Mempengaruhi Keberlanjutan Minat Pengguna Dalam Menggunakan Aplikasi Mhealth Melalui Variabel Satisfaction",
        "year": 2021,
        "cited_by": 7,
        "doi": "https://doi.org/10.26905/jbm.v8i1.5652",
        "source": "Jurnal Bisnis dan Manajemen",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Universitas Merdeka Malang",
        "issn": "2581-1584",
        "open_access": true
      },
      {
        "title": "Analisis Penerimaan Pengguna E-Wallet DANA Menggunakan Metode TAM dan Delone Mclean",
        "year": 2024,
        "cited_by": 1,
        "doi": "https://doi.org/10.47065/josh.v5i4.5334",
        "source": "Journal of Information System Research (JOSH)",
        "publisher": "Forum Kerjasama Pendidikan Tinggi (FKPT)",
        "issn": "2686-228X"
      },
      {
        "title": "Faktor-Faktor yang Memengaruhi Kepuasan Konsumen Milenial pada E-Commerce di Indonesia",
        "year": 2022,
        "cited_by": 4,
        "doi": "https://doi.org/10.21632/ibr.5.2.156-173",
        "source": "Indonesian Business Review",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Prasetiya Mulya Publishing",
        "issn": "2654-6213"
      },
      {
        "title": "PENGARUH BRAND IMAGE DAN PROMOSI TERHADAP KEPUTUSAN PENGGUNAAN E – WALLET",
        "year": 2022,
        "cited_by": 4,
        "doi": "https://doi.org/10.25139/jiabi.v5i2.4191",
        "source": "Jurnal ilmiah administrasi bisnis dan inovasi",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Dr. Soetomo University",
        "issn": "2597-4092"
      },
      {
        "title": "UTAUT DAN KEPUASAN BERZAKAT MELALUI FINTECH: PERAN RELIGIOSITAS SEBAGAI VARIABEL MODERASI",
        "year": 2022,
        "cited_by": 5,
        "doi": "https://doi.org/10.24042/revenue.v3i2.13689",
        "source": "REVENUE Jurnal Manajemen Bisnis Islam",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Raden Intan State Islamic University of Lampung",
        "issn": "2829-2944",
        "open_access": true
      },
      {
        "title": "Pengaruh Komunikasi Interpersonal, Kampanye Sosial Media dan Citra Organisasi terhadap Kepuasan Konsumen di Bea Cukai Surakarta",
        "year": 2022,
        "cited_by": 7,
        "doi": "https://doi.org/10.31315/jik.v20i2.6615",
        "source": "Jurnal Ilmu Komunikasi",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Universitas Pembangunan Nasional Veteran Yogyakarta",
        "issn": "2407-8220"
      },
      {
        "title": "Pengaruh Financial Literacy dan Self Control terhadap Financial Behavior Pengguna Aplikasi E-Wallet",
        "year": 2024,
        "cited_by": 1,
        "doi": "https://doi.org/10.61132/jumabedi.v1i3.287",
        "source": "Jurnal Manajemen Bisnis Era Digital",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia",
        "issn": "3046-7748"
      },
      {
        "title": "PENGARUH PERSEPSI KEMUDAHAN TERHADAP MINAT GUNA MELALUI KEPERCAYAAN PADA PENGGUNA DOMPET DIGITAL GOPAY",
        "year": 2022,
        "cited_by": 5,
        "doi": "https://doi.org/10.25273/capital.v5i2.12022",
        "source": "CAPITAL JURNAL EKONOMI DAN MANAJEMEN",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Universitas PGRI Madiun",
        "issn": "2598-9618"
      },
      {
        "title": "Analisis Penerimaan Pengguna DANA Sebagai Media Pembayaran Pada Marketplace Lazada Menggunakan TAM",
        "year": 2021,
        "cited_by": 7,
        "doi": "https://doi.org/10.31294/ijcit.v6i2.9477",
        "source": "IJCIT (Indonesian Journal on Computer and Information Technology)",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Universitas Bina Sarana Informatika",
        "issn": "2549-7421"
      },
      {
        "title": "Hybrid Model Of Structural Equation Modeling Pls And Rfm (Recency, Frequency And Monetary) Model To Improve Bank Average Balance",
        "year": 2021,
        "cited_by": 57,
        "doi": "https://doi.org/10.34306/att.v4i1.221",
        "source": "Aptisi Transactions On Technopreneurship (ATT)",
        "publisher": "Pandawan",
        "issn": "2656-8888",
        "open_access": true
      },
      {
        "title": "Evaluasi Faktor Penerimaan Pengguna Terhadap Layanan QRIS Pada Generasi Z Menggunakan Modifikasi TAM",
        "year": 2025,
        "cited_by": 1,
        "doi": "https://doi.org/10.52436/1.jpti.781",
        "source": "Jurnal Pendidikan dan Teknologi Indonesia",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Infinite Corporation",
        "issn": "2775-4219"
      },
      {
        "title": "Pengaruh Relative Advantage, Compatibility, Complexity, Observability Dan Trialability Terhadap Intention To Use Pada E-Wallet Dana",
        "year": 2023,
        "cited_by": 4,
        "doi": "https://doi.org/10.34127/jrlab.v12i2.780",
        "source": "JURNAL LENTERA BISNIS",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "Politeknik LP3I Jakarta",
        "issn": "2598-618X"
      },
      {
        "title": "Pengaruh Kemudahan Penggunaan dan Keamanan Transaksi terhadap Loyalitas Pengguna dengan Kepuasan Pengguna sebagai Variabel Mediasi pada Platform E-Commerce Shopee",
        "year": 2025,
        "cited_by": 1,
        "doi": "https://doi.org/10.62710/m2wzzs23",
        "source": "PENG Jurnal Ekonomi dan Manajemen",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "CV Prakasa",
        "issn": "3048-3573"
      },
      {
        "title": "Analisis Perbedaan Kepuasan Konsumen Pada Pengguna E-Commerce Lazada Di Wilayah Jakarta Timur",
        "year": 2023,
        "cited_by": 1,
        "doi": "https://doi.org/10.36587/probank.v7i2.1341",
        "source": "ProBank: Jurnal Ekonomi dan Perbankan/ProBank: jurnal ekonomi dan perbankan",
        "sinta_rank": "terindeks_nasional",
        "sinta_sumber": "heuristik",
        "publisher": "STIE AUB Surakarta",
        "issn": "2579-5597"
      }
    ],
    "enrichment": {
      "sinta_terindeks": 0,
      "open_access": 7,
      "crossref_enriched": 50
    },
    "sinta_indexed": 38
  },
  "kodebook": {
    "format": "csv",
    "n": 150,
    "kolom": {
      "responden": {
        "tipe": "teks",
        "n_unique": 150,
        "missing": 0
      },
      "K1": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "K2": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "K3": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "K4": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "T1": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "T2": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "T3": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "P1": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "P2": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "P3": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "L1": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "L2": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      },
      "L3": {
        "tipe": "numerik",
        "n_unique": 5,
        "missing": 0
      }
    }
  },
  "verified": true,
  "verify_alasan": "PLS-PM vs CB-SEM ML: 3 jalur, semua searah, selisih maks 0.079434. Kriteria: {\"selisih_maks\": 0.2, \"selisih_rel\": 0.25, \"arah\": \"tanda koefisien harus sama\", \"catatan\": \"kriteria dibuka, tidak disesuaikan agar hasil terlihat bagus\"}"
}