cross selling debtor's satisfaction debtor's segmentation segmentation CHAID Customer service Investment Licensing Loyalty Padang Pest control operators Product quality SWOT-AHP Satisfaction Soft Systems Methodology UTAUT2 VRIO adopsi teknologi audit pemasaran cluster communication media competitive advantage conjoint consumer satisfaction corporate social responsibility culinary Bogor daya saing empowering environment high school kinerja nanotechnology knowledge orientasi pasar packaged tea beverage participatory peer-to-peer lending perceived risk perguruan tinggi perilaku konsumen preferences refilled drinking water sharing economy specialty coffee structural equation model switching behavior trust value chain willingness to buy