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This study aims to explore the role and impact of the development of digital payment systems, particularly the Quick Response Code Indonesian Standard (QRIS), on the financial management practices of out-of-town students in the 2024 cohort. Using a descriptive qualitative approach and data collected through open-ended questionnaires distributed to 50 students of the Accounting Study Program at UPI, the research examines sources and management of monthly funds, the influence of QRIS on consumptive behavior, the role of QRIS in daily transactions, the handling of unexpected expenses, and students' financial awareness. The results indicate that QRIS is widely used for daily spending transactions, especially for purchasing food and beverages, due to its practicality and convenience. However, the findings also suggest a tendency for increased consumptive behavior among students who use QRIS. Nonetheless, a small portion of students reported that QRIS facilitates easier control over spending through visibility of balances and transaction histories. This study highlights the importance of financial literacy alongside the adoption of digital payment technologies to optimize students' financial management.

This research analyzes the satisfaction level of PERISAI agents regarding BPJS Ketenagakerjaan regulations at the Darmo Surabaya Branch Office. The PERISAI program, launched in 2018, represents a strategic innovation in the agency system to expand membership, particularly in the Non-Wage Recipient (BPU) sector. The study employs a qualitative approach with a case study design, involving participatory observation over four months (September-December 2024), in-depth interviews, and documentation analysis. Results indicate that the PERISAI policy transformation since May 2022, particularly the increase in contribution incentives from 7.5% to 15%, has positively impacted agent motivation. The reward system combining financial and non-financial incentives through gathering programs and point systems proves effective in building loyalty. Success in achieving BPU participant acquisition targets is influenced by agents' ability to develop personal approaches and build local community networks. The integration of digital platforms in acquisition processes and performance monitoring enhances operational efficiency. Capacity development programs through cross-generational communication training and social security fund management provide a strong foundation for PERISAI agents' task execution.

This research aims to analyze the effectiveness and efficiency of using the BackOffice System (BOS) application in budget management at the Central Statistics Agency (BPS) of Palu City. The research method used is qualitative, with data collection through interviews, observation and documentation studies. The BOS application has been used at Palu City BPS since the beginning of 2023 to manage the budget. This research uses descriptive qualitative methods to analyze the effectiveness and efficiency of using the BackOffice System application in budget management at the Palu City Central Statistics Agency. Data was collected through observation, documentation, and direct interviews with key informants such as Budget User Officials, Commitment Making Officials, General Subdivisions, Treasurers, and BOS Operators. The Technology Acceptance Model (TAM) concept is used to explain the acceptance and use of technology. The research results show that the implementation of the BackOffice System (BOS) application at the Palu City Central Statistics Agency is effective in improving budget management to be more efficient. The BOS application makes access easier, makes financial management more transparent, and makes it easier to create assignment letters and complete payments. Even though there are still several shortcomings, the BOS application is considered successful in achieving its goals and has helped in budget management. Research shows that the implementation of the BackOffice System application at BPS Palu City has brought benefits in budget management, increasing the effectiveness of financial management efficiency. Nevertheless. There are still several technical obstacles that need to be overcome. The BOS application makes access easier, makes financial management more transparent, and makes it easier to create assignment letters and complete payments. Even though there are still shortcomings, the BOS application is considered successful in achieving its goals.

This research aims to find out how vital information security compliance is in reducing the risk of Data Breach. The method used in this research is Library Research (Library) which is the method used in this writing, and in its use, this method uses books, and journals both in written form and online. Based on the results obtained from this research, it can be concluded that a Data Breach is an incident where sensitive data or important information becomes vulnerable or is accessed by unauthorized parties. To prevent a Data Breach, organizations need to take various security measures, policies, and practices, such as encryption, access management, physical security, network security, security training and awareness, security policies, and monitoring and auditing. Sensitive data protection helps maintain the confidentiality, integrity, and availability of data and protects the reputation and trust of customers and business partners. By implementing good sensitive data protection, organizations can reduce the risk of data breaches which can be financially detrimental and damage the company's image.