Main Article Content
Abstract
This research aims to investigate the e-CRM strategies employed by BPJS to sustain customer loyalty. A qualitative descriptive method is utilized in this study. Data gathered through interviews and observations conducted at the BPJS. The research framework is informed by Francis Buttle's Customer Relationship Management theory, which has been adapted to the context of electronic technology in CRM implementation. The findings indicate that BPJS's e-CRM strategy can be categorized into three levels: strategic, operational, and analytical. At the strategic level, BPJS implements a high-level cultural calendar and provides digital service channels that enhance convenience, speed, and reliability in service delivery. At the operational level, BPJS automates various marketing, sales, and service processes. Finally, at the analytical level, BPJS conducts customer journey mapping, which encompasses the components of I-Cari, I-Belajar, and I-Daftar.
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Copyright (c) 2025 Nadia Wasta Utami, Vania Taufik Rahmani, Ibnu Darmawan

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References
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- Atmadji, M. F. (2013). Strategi customer relationship management pada perusahaan asuransi sequislife cabang Kertajaya Kota Surabaya [Thesis]. Universitas Airlangga.
- Bloomfield, P. S., Magnusson, J., Walsh, M., & Naylor, A. (2021). Communicating public health during COVID-19, implications for vaccine rollout. Big Data and Society, 8(1). https://doi.org/10.1177/20539517211023534
- Buttle, F. (2004). Customer relationship management (concept and tools). Bayumedia.
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- Chaffey, D. (2009). E-Business and E-Commerce management, strategy, implementation and practice. Prentice Hall.
- Chen, I. J., & Popovich, K. (2003). Understanding customer relationship management (CRM). Business Process Management Journal, 9(5), 672–688. https://doi.org/10.1108/14637150310496758
- Cresswel, J. (2018). Penelitian kualitatif dan desain riset. Pustaka Pelajar.
- Dewi, A. A. C., & Samuel, H. (2015). Pengaruh customer relationship management terhadap customer satisfaction dan customer loyalty pada pelanggan Sushi Tei Surabaya. Jurnal Manajemen Pemasaran Petra, 3(1), 1–9.
- Estiningsih, A. W., & Hariyanti, T. (2017). Pengaruh customer relationship management terhadap loyalitas ibu hamil pada pelayanan persalinan (Studi di RS Hermina Tangkubanprahu Malang). Jurnal Aplikasi Manajemen, 11(2), 280–287. https://jurnaljam.ub.ac.id/index.php/jam/article/view/570
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- Herman, L. E., Sulhaini, S., & Farida, N. (2021). Electronic customer relationship management and company performance: Exploring the product innovativeness development. Journal of Relationship Marketing, 20(1), 1–19. https://doi.org/10.1080/15332667.2019.1688600
- Hoe, L. C., & Mansori, S. (2018). The effects of product quality on customer satisfaction and loyalty: Evidence from Malaysian engineering industry. International Journal of Industrial Marketing, 3(1), 20. https://doi.org/10.5296/ijim.v3i1.13959
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- Ledro, C., Nosella, A., & Dalla Pozza, I. (2023). Integration of AI in CRM: Challenges and guidelines. Journal of Open Innovation: Technology, Market, and Complexity, 9(4), 100151. https://doi.org/10.1016/j.joitmc.2023.100151
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- Matiş, C., & Ilieş, L. (2014). Customer relationship management in the insurance industry. Procedia Economics and Finance, 15, 1138–1145. https://doi.org/10.1016/S2212-5671(14)00568-1
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- Rababah, K. (2011). Customer relationship management (CRM) processesfrom theory to practice: The pre-implementation plan of CRM system. International Journal of E-Education, e-Business, e-Management and e-Learning. https://doi.org/10.7763/IJEEEE.2011.V1.4
- Radwan, A. F., & Mousa, S. A. (2020). Government Communication Strategies during Coronavirus Pandemic: United Arab Emirates Lessons. Journal of Health Management, 22(4), 516–527. https://doi.org/10.1177/0972063420983091
- Saleh, A. M. (2010). Public service communication. UMM Press.
- Salim, A., Setiawan, M., Rofiaty, R., & Rohman, F. (2018). Focusing on complaints handling for customer satisfaction and loyalty: The case of Indonesian public banking. European Research Studies Journal, 21(3), 404–416. https://doi.org/10.35808/ersj/1071
- Sedarmayanti, & Hidayat, S. (2011). Metodologi penelitian. Mandar Maju.
- Sharma, A., Sanghvi, K., & Churi, P. (2022). The impact of Instagram on young Adult’s social comparison, colourism and mental health: Indian perspective. International Journal of Information Management Data Insights, 2(1), 100057. https://doi.org/10.1016/j.jjimei.2022.100057
- Sharma, L. K., Rao, M., Selvam, P., & Muley, A. (2024). Role of E-CRM in effectiveness of Strategic Marketing Planning for customer Retention: An Empirical Study. African Journal of Biological Sciences (South Africa), 6(6), 1600–1609. https://doi.org/10.33472/AFJBS.6.6.2024.1600-1609
- Sutariyani, K. H., & Adelya, S. N. (2017). Electronic customer relationship management (E-Crm) pada Rsu Assalam Gemolong. Indonesian Journal on Networking and Security, 6(2).
- Syaifullah, M. H., Pebrianti, W., Afifah, N., Juniwati, & Jaya, A. (2024). The Influence of Employee Engagement and Work Environment on Employee Performance at PT. Agronusa Alam Perkasa. Jurnal Ekonomi, 13(1), 2278–2290. https://doi.org/10.54209/ekonomi.v13i01
- Turban, E., Liang, T., Aronson, J. E., & Prabantini, D. (2005). Decision support systems and intelligent systems - sistem pendukung keputusan dan sistem cerdas. Andi.
- Yuniarti, V. S. (2015). Perilaku konsumen teori dan praktik. CV. Pustaka Setia.
- Yunus, U., Rahayu, Y., & Taurina, R. C. (2024). Building brand loyalty and recommendation through the establishment of brand communities. Asian Journal for Public Opinion Research, 12(3), 184–213.
- Zhang, H., Zhao, L., & Gupta, S. (2018). The role of online product recommendations on customer decision making and loyalty in social shopping communities. International Journal of Information Management, 38(1), 150–166. https://doi.org/10.1016/j.ijinfomgt.2017.07.006
- Zingale, A., & Arndt, M. (2001). New economy emotion: Engaging customer passion with e-crm. John Wiley & Sons. https://www.wiley.com/en-ie/New+Economy+Emotion%3A+Engaging+Customer+Passion+with+e-crm-p-9780470841358
References
Annahli, Y. M., Urriyati, R., & Monoarfa, H. (2023). Hilda Monoarfa/ The Effect of E-CRM on the Customer Loyalty of McDonald’s Indonesia 61. Jurnal Dimmensi, 3(2), 61–65.
Atmadji, M. F. (2013). Strategi customer relationship management pada perusahaan asuransi sequislife cabang Kertajaya Kota Surabaya [Thesis]. Universitas Airlangga.
Bloomfield, P. S., Magnusson, J., Walsh, M., & Naylor, A. (2021). Communicating public health during COVID-19, implications for vaccine rollout. Big Data and Society, 8(1). https://doi.org/10.1177/20539517211023534
Buttle, F. (2004). Customer relationship management (concept and tools). Bayumedia.
Cardoso, A., Gabriel, M., Figueiredo, J., Oliveira, I., Rêgo, R., Silva, R., Oliveira, M., & Meirinhos, G. (2022). Trust and loyalty in building the brand relationship with the customer: Empirical analysis in a retail chain in Northern Brazil. Journal of Open Innovation: Technology, Market, and Complexity, 8(3), 109. https://doi.org/10.3390/joitmc8030109
Chaffey, D. (2009). E-Business and E-Commerce management, strategy, implementation and practice. Prentice Hall.
Chen, I. J., & Popovich, K. (2003). Understanding customer relationship management (CRM). Business Process Management Journal, 9(5), 672–688. https://doi.org/10.1108/14637150310496758
Cresswel, J. (2018). Penelitian kualitatif dan desain riset. Pustaka Pelajar.
Dewi, A. A. C., & Samuel, H. (2015). Pengaruh customer relationship management terhadap customer satisfaction dan customer loyalty pada pelanggan Sushi Tei Surabaya. Jurnal Manajemen Pemasaran Petra, 3(1), 1–9.
Estiningsih, A. W., & Hariyanti, T. (2017). Pengaruh customer relationship management terhadap loyalitas ibu hamil pada pelayanan persalinan (Studi di RS Hermina Tangkubanprahu Malang). Jurnal Aplikasi Manajemen, 11(2), 280–287. https://jurnaljam.ub.ac.id/index.php/jam/article/view/570
Ginting, A. T. V., Nazaruddin, & Wibowo, R. P. (2020). The Effect Analysis of Handling Complaint on Trust, Word of Mouth and Consumer Loyalty with Customer Satisfaction as Moderating Variable. International Journal of Research and Review (Ijrrjournal.Com), 7(4), 515–525.
Herman, L. E., Sulhaini, S., & Farida, N. (2021). Electronic customer relationship management and company performance: Exploring the product innovativeness development. Journal of Relationship Marketing, 20(1), 1–19. https://doi.org/10.1080/15332667.2019.1688600
Hoe, L. C., & Mansori, S. (2018). The effects of product quality on customer satisfaction and loyalty: Evidence from Malaysian engineering industry. International Journal of Industrial Marketing, 3(1), 20. https://doi.org/10.5296/ijim.v3i1.13959
Khneyzer, C., Boustany, Z., & Dagher, J. (2024). AI-Driven Chatbots in CRM: Economic and Managerial Implications across Industries. Administrative Sciences, 14(8). https://doi.org/10.3390/admsci14080182
Kotler, P., & Keller, K. L. (2009). Manajemen pemasaran. Indeks.
Ledro, C., Nosella, A., & Dalla Pozza, I. (2023). Integration of AI in CRM: Challenges and guidelines. Journal of Open Innovation: Technology, Market, and Complexity, 9(4), 100151. https://doi.org/10.1016/j.joitmc.2023.100151
Magatef, S., Al-Okaily, M., Ashour, L., & Abuhussein, T. (2023). The impact of electronic customer relationship management strategies on customer loyalty: A mediated model. Journal of Open Innovation: Technology, Market, and Complexity, 9(4), 100149. https://doi.org/10.1016/j.joitmc.2023.100149
Matiş, C., & Ilieş, L. (2014). Customer relationship management in the insurance industry. Procedia Economics and Finance, 15, 1138–1145. https://doi.org/10.1016/S2212-5671(14)00568-1
Miles, M. B., Huberman, A. M., & Saldana, J. (2014). Qualitative data analysis (Third Edition). Sage Publications.
Oliver, R. L. (2014). Satisfaction: A behavioral perspective on the consumer. Routledge. https://doi.org/10.4324/9781315700892
Pratama, I. P. A. E. (2019). Customer relationship management. Informatika Press.
Putri, A. S. (2020). BPJS: Prinsip, Jenis, Tugas, Wewenang, Organ dan Tarif. 15 Januari. https://www.kompas.com/skola/read/2020/01/15/150000469/bpjs--prinsip-jenis-tugas-wewenang-organ-dan-tarif?page=all
Rababah, K. (2011). Customer relationship management (CRM) processesfrom theory to practice: The pre-implementation plan of CRM system. International Journal of E-Education, e-Business, e-Management and e-Learning. https://doi.org/10.7763/IJEEEE.2011.V1.4
Radwan, A. F., & Mousa, S. A. (2020). Government Communication Strategies during Coronavirus Pandemic: United Arab Emirates Lessons. Journal of Health Management, 22(4), 516–527. https://doi.org/10.1177/0972063420983091
Saleh, A. M. (2010). Public service communication. UMM Press.
Salim, A., Setiawan, M., Rofiaty, R., & Rohman, F. (2018). Focusing on complaints handling for customer satisfaction and loyalty: The case of Indonesian public banking. European Research Studies Journal, 21(3), 404–416. https://doi.org/10.35808/ersj/1071
Sedarmayanti, & Hidayat, S. (2011). Metodologi penelitian. Mandar Maju.
Sharma, A., Sanghvi, K., & Churi, P. (2022). The impact of Instagram on young Adult’s social comparison, colourism and mental health: Indian perspective. International Journal of Information Management Data Insights, 2(1), 100057. https://doi.org/10.1016/j.jjimei.2022.100057
Sharma, L. K., Rao, M., Selvam, P., & Muley, A. (2024). Role of E-CRM in effectiveness of Strategic Marketing Planning for customer Retention: An Empirical Study. African Journal of Biological Sciences (South Africa), 6(6), 1600–1609. https://doi.org/10.33472/AFJBS.6.6.2024.1600-1609
Sutariyani, K. H., & Adelya, S. N. (2017). Electronic customer relationship management (E-Crm) pada Rsu Assalam Gemolong. Indonesian Journal on Networking and Security, 6(2).
Syaifullah, M. H., Pebrianti, W., Afifah, N., Juniwati, & Jaya, A. (2024). The Influence of Employee Engagement and Work Environment on Employee Performance at PT. Agronusa Alam Perkasa. Jurnal Ekonomi, 13(1), 2278–2290. https://doi.org/10.54209/ekonomi.v13i01
Turban, E., Liang, T., Aronson, J. E., & Prabantini, D. (2005). Decision support systems and intelligent systems - sistem pendukung keputusan dan sistem cerdas. Andi.
Yuniarti, V. S. (2015). Perilaku konsumen teori dan praktik. CV. Pustaka Setia.
Yunus, U., Rahayu, Y., & Taurina, R. C. (2024). Building brand loyalty and recommendation through the establishment of brand communities. Asian Journal for Public Opinion Research, 12(3), 184–213.
Zhang, H., Zhao, L., & Gupta, S. (2018). The role of online product recommendations on customer decision making and loyalty in social shopping communities. International Journal of Information Management, 38(1), 150–166. https://doi.org/10.1016/j.ijinfomgt.2017.07.006
Zingale, A., & Arndt, M. (2001). New economy emotion: Engaging customer passion with e-crm. John Wiley & Sons. https://www.wiley.com/en-ie/New+Economy+Emotion%3A+Engaging+Customer+Passion+with+e-crm-p-9780470841358