Factors Influencing Consumer Interest

Oct 13, 2025 by wbrum.org 48 views

Introduction

In the modern banking world, credit cards have become an essential tool for consumers to manage their finances and make purchases. PT Bank Permata, Tbk is one of the leading banks in Indonesia that offers a wide range of credit card products to its customers. However, in a highly competitive market, banks need to employ effective promotional strategies to attract and retain customers. This study aims to analyze the effect of promotion on public interest in using credit cards at PT Bank Permata, Tbk Medan Branch.

Background of the Study

The use of credit cards has become increasingly popular in Indonesia, with many consumers relying on them for daily transactions. However, the credit card market is highly competitive, with many banks offering similar products and services. In this context, promotion plays a crucial role in influencing consumer decisions and building brand loyalty. Effective promotion can not only increase sales but also create a positive brand image and attract new customers.

Methodology

This study employed a descriptive analysis and simple linear regression method to explore the relationship between promotion and consumer interest in using credit cards at PT Bank Permata, Tbk Medan Branch. The data was collected through a survey of 100 credit card customers, who were asked about their demographic characteristics, credit card usage, and perception of promotional activities.

Results

The results of the study show that the majority of PT Bank Permata's credit card customers are men who work as employees in private companies. This finding provides an overview of the market segment which is the main target of the credit card products offered. In addition, talcal analysis (partial test) shows that promotion has a positive impact on consumer interest in using credit cards. This means that the promotion strategy carried out by PT Bank Permata has proven effective in attracting the attention of prospective customers.

Factors Influencing Consumer Interest

The study found that customers who are interested in using PT Bank Permata's credit card are often affected by the advertisements they see, as well as the discount offer given when shopping. The attractive offer is not merely increasing sales, but also provides more value for customers who want to maximize their shopping experience. In addition to discounts, various additional facilities offered are also the main attraction. This facility includes ease of transactions, reward programs, and insurance protection that provides a sense of security to customers.

Conclusion

From this analysis, it can be concluded that the promotion carried out by PT Bank Permata, Tbk not only serves to increase product sales, but also play an important role in building customer interest and loyalty. Therefore, banks need to continue to innovate in their promotional strategies, by paying attention to market trends and consumer preferences that are always changing.

Recommendations

Overall, this research indicates that effective promotions can be the key in attracting more credit card users. Therefore, PT Bank Permata, Tbk must continue to invest in various creative and attractive promotional methods in order to compete in increasingly competitive markets. Some recommendations for PT Bank Permata, Tbk include:

Innovative Promotional Strategies: PT Bank Permata, Tbk should continue to innovate in their promotional strategies, by paying attention to market trends and consumer preferences that are always changing.
Targeted Marketing: The bank should focus on targeted marketing, by identifying the specific needs and preferences of its customers and tailoring its promotional activities accordingly.
Collaboration with Other Businesses: PT Bank Permata, Tbk should consider collaborating with other businesses, such as retailers and restaurants, to offer joint promotions and rewards to its customers.
Digital Marketing: The bank should invest in digital marketing, by using social media and other online platforms to reach its customers and promote its products and services.

Limitations of the Study

This study has several limitations, including:

Sample Size: The sample size of the study was limited to 100 credit card customers, which may not be representative of the larger population.
Data Collection Method: The data was collected through a survey, which may be subject to biases and limitations.
Time Frame: The study was conducted over a limited time frame, which may not capture the full range of promotional activities and customer responses.

Future Research Directions

Future research should aim to build on the findings of this study, by exploring the following research directions:

Longitudinal Study: A longitudinal study could be conducted to examine the impact of promotional activities on customer interest and loyalty over a longer period of time.
Comparative Study: A comparative study could be conducted to compare the promotional strategies and customer responses of different banks in Indonesia.
Qualitative Study: A qualitative study could be conducted to gain a deeper understanding of the factors that influence customer interest and loyalty, and to identify areas for improvement in promotional strategies.

Conclusion

In conclusion, this study has provided valuable insights into the effect of promotion on interest in using credit cards at PT Bank Permata, Tbk Medan Branch. The findings of the study suggest that promotion plays a crucial role in influencing consumer decisions and building brand loyalty. Therefore, PT Bank Permata, Tbk should continue to invest in various creative and attractive promotional methods in order to compete in increasingly competitive markets.

Q: What is the main objective of this study?

A: The main objective of this study is to analyze the effect of promotion on public interest in using credit cards at PT Bank Permata, Tbk Medan Branch.

Q: What method was used in this study?

A: This study employed a descriptive analysis and simple linear regression method to explore the relationship between promotion and consumer interest in using credit cards.

Q: What are the key findings of this study?

A: The key findings of this study include:

The majority of PT Bank Permata's credit card customers are men who work as employees in private companies.
Promotion has a positive impact on consumer interest in using credit cards.
Customers who are interested in using PT Bank Permata's credit card are often affected by the advertisements they see, as well as the discount offer given when shopping.

Q: What are the implications of this study?

A: The implications of this study are:

PT Bank Permata, Tbk should continue to innovate in their promotional strategies, by paying attention to market trends and consumer preferences that are always changing.
The bank should focus on targeted marketing, by identifying the specific needs and preferences of its customers and tailoring its promotional activities accordingly.
PT Bank Permata, Tbk should consider collaborating with other businesses, such as retailers and restaurants, to offer joint promotions and rewards to its customers.

Q: What are the limitations of this study?

A: The limitations of this study include:

The sample size of the study was limited to 100 credit card customers, which may not be representative of the larger population.
The data was collected through a survey, which may be subject to biases and limitations.
The study was conducted over a limited time frame, which may not capture the full range of promotional activities and customer responses.

Q: What are the future research directions?

A: Future research should aim to build on the findings of this study, by exploring the following research directions:

Longitudinal study: A longitudinal study could be conducted to examine the impact of promotional activities on customer interest and loyalty over a longer period of time.
Comparative study: A comparative study could be conducted to compare the promotional strategies and customer responses of different banks in Indonesia.
Qualitative study: A qualitative study could be conducted to gain a deeper understanding of the factors that influence customer interest and loyalty, and to identify areas for improvement in promotional strategies.

Q: What are the recommendations for PT Bank Permata, Tbk?

A: The recommendations for PT Bank Permata, Tbk include:

Innovative promotional strategies: PT Bank Permata, Tbk should continue to innovate in their promotional strategies, by paying attention to market trends and consumer preferences that are always changing.
Targeted marketing: The bank should focus on targeted marketing, by identifying the specific needs and preferences of its customers and tailoring its promotional activities accordingly.
Collaboration with other businesses: PT Bank Permata, Tbk should consider collaborating with other businesses, such as retailers and restaurants, to offer joint promotions and rewards to its customers.
Digital marketing: The bank should invest in digital marketing, by using social media and other online platforms to reach its customers and promote its products and services.