The Perception Of The BCA Credit Card User In Medan City

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The Perception of BCA Credit Card Users in Medan City: A Quantitative Descriptive Study

Introduction

In today's digital age, credit cards have become an essential tool for making transactions and managing finances. The Bank Central Asia (BCA) credit card is one of the most popular credit cards in Indonesia, with a large user base across the country. However, despite its popularity, there is a lack of research on how the public perceives BCA credit card users in Medan City. This study aims to fill this gap by exploring the perceptions of BCA credit card users in Medan City using a quantitative descriptive approach.

Methodology

This study used a non-probability sampling method to collect data from 100 respondents in Medan City. The respondents were asked to complete a questionnaire that assessed their perceptions of BCA credit card users across six dimensions: Performance Dimensions, Service Dimensions, Dimension Dimensions, Reliability Dimensions, Conformity Dimensions with Specifications, and Product Characteristics Dimensions. The questionnaire was validated using R values and reliability tests, which showed that the results were valid and trustworthy.

Results

The results of this study showed that there was no agreement on the six dimensions offered to respondents, especially in the dimension of compliance with specifications. This can be seen from the 0% BCA credit card installment promo indicator, which is considered in accordance with the information provided, as well as a BCA credit card user guide that is considered easy and clear to understand. The results also showed that the performance and service dimensions were often the main focus of credit card users, where people expect that credit cards can not only be used as a means of payment, but also provide additional services that make it easier for daily transactions.

Discussion

The results of this study provide an interesting picture of how the people of Medan perceive the BCA credit card. The performance and service dimensions are often the main focus of credit card users, where people expect that credit cards can not only be used as a means of payment, but also provide additional services that make it easier for daily transactions. However, dissatisfaction on the compliance dimension with specifications shows the gap between user expectations and information submitted by BCA.

The dimensions of reliability and endurance are also very important in building user trust. When people feel that the products they use are always reliable and have good durability, they will be more likely to use these services on a sustainable manner. Conversely, if the user feels that the product cannot meet their expectations, negative feelings will appear that can interfere with the company's image.

This research also shows the importance of education for credit card users. People need to understand how credit cards work, their benefits, and also the risks that may be faced. Clear and easy to understand information from the bank, such as a good user guide, will help the public to be more confident in using their credit cards.

Conclusion

In conclusion, this study provides insight into how the people of Medan perceive the BCA credit card. The results show that there is a gap between user expectations and information submitted by BCA, particularly in the dimension of compliance with specifications. This study also highlights the importance of education for credit card users and the need for BCA to improve its communication and information provided to the public.

Recommendations

Based on the results of this study, the following recommendations are made:

  1. BCA needs to conduct an evaluation related to the communication and information provided to the public regarding their credit cards. By improving this aspect, it is hoped that public perceptions of BCA credit cards can increase, so that it can attract more new users and increase existing user loyalty.
  2. BCA needs to provide clear and easy to understand information about their credit cards, such as a good user guide, to help the public to be more confident in using their credit cards.
  3. BCA needs to improve its performance and service dimensions, such as providing additional services that make it easier for daily transactions, to meet the expectations of credit card users.

Limitations

This study has several limitations, including:

  1. The sample size is relatively small, which may not be representative of the larger population.
  2. The study only focuses on Medan City, which may not be representative of other cities in Indonesia.
  3. The study only assesses the perceptions of BCA credit card users, which may not be representative of other credit card users in Indonesia.

Future Research Directions

This study provides a foundation for future research on the perceptions of BCA credit card users in Medan City. Future research can build on this study by:

  1. Increasing the sample size to make the results more representative of the larger population.
  2. Focusing on other cities in Indonesia to make the results more representative of the country as a whole.
  3. Assessing the perceptions of other credit card users in Indonesia to make the results more comprehensive.

References

  • [List of references cited in the study]

Appendix

  • [Appendix materials, such as questionnaires, data analysis, and other supporting materials]
    Q&A: The Perception of BCA Credit Card Users in Medan City

Introduction

In our previous article, we explored the perceptions of BCA credit card users in Medan City using a quantitative descriptive approach. The study found that there was a gap between user expectations and information submitted by BCA, particularly in the dimension of compliance with specifications. In this Q&A article, we will answer some of the most frequently asked questions about the study and its findings.

Q: What was the purpose of the study?

A: The purpose of the study was to explore the perceptions of BCA credit card users in Medan City and to identify the factors that influence their perceptions.

Q: What were the dimensions used to assess the perceptions of BCA credit card users?

A: The dimensions used to assess the perceptions of BCA credit card users were:

  1. Performance Dimensions
  2. Service Dimensions
  3. Dimension Dimensions
  4. Reliability Dimensions
  5. Conformity Dimensions with Specifications
  6. Product Characteristics Dimensions

Q: What were the results of the study?

A: The results of the study showed that there was no agreement on the six dimensions offered to respondents, especially in the dimension of compliance with specifications. The study also found that the performance and service dimensions were often the main focus of credit card users, where people expect that credit cards can not only be used as a means of payment, but also provide additional services that make it easier for daily transactions.

Q: What are the implications of the study's findings?

A: The study's findings have several implications for BCA and other credit card providers. Firstly, BCA needs to improve its communication and information provided to the public regarding their credit cards. Secondly, BCA needs to provide clear and easy to understand information about their credit cards, such as a good user guide, to help the public to be more confident in using their credit cards. Finally, BCA needs to improve its performance and service dimensions, such as providing additional services that make it easier for daily transactions, to meet the expectations of credit card users.

Q: What are the limitations of the study?

A: The study has several limitations, including:

  1. The sample size is relatively small, which may not be representative of the larger population.
  2. The study only focuses on Medan City, which may not be representative of other cities in Indonesia.
  3. The study only assesses the perceptions of BCA credit card users, which may not be representative of other credit card users in Indonesia.

Q: What are the future research directions?

A: The study provides a foundation for future research on the perceptions of BCA credit card users in Medan City. Future research can build on this study by:

  1. Increasing the sample size to make the results more representative of the larger population.
  2. Focusing on other cities in Indonesia to make the results more representative of the country as a whole.
  3. Assessing the perceptions of other credit card users in Indonesia to make the results more comprehensive.

Q: What are the practical implications of the study's findings?

A: The study's findings have several practical implications for BCA and other credit card providers. Firstly, BCA needs to improve its communication and information provided to the public regarding their credit cards. Secondly, BCA needs to provide clear and easy to understand information about their credit cards, such as a good user guide, to help the public to be more confident in using their credit cards. Finally, BCA needs to improve its performance and service dimensions, such as providing additional services that make it easier for daily transactions, to meet the expectations of credit card users.

Q: What are the theoretical implications of the study's findings?

A: The study's findings have several theoretical implications for the field of marketing and consumer behavior. Firstly, the study highlights the importance of communication and information in shaping consumer perceptions. Secondly, the study shows that consumer perceptions are influenced by a range of factors, including performance, service, and product characteristics. Finally, the study provides evidence for the importance of building trust and loyalty with consumers through effective communication and service delivery.

Conclusion

In conclusion, the study provides a comprehensive understanding of the perceptions of BCA credit card users in Medan City. The study's findings have several implications for BCA and other credit card providers, including the need to improve communication and information, provide clear and easy to understand information, and improve performance and service dimensions. The study also provides a foundation for future research on the perceptions of BCA credit card users in Medan City and other cities in Indonesia.