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This study aims to analyze the role of the Quick Response Code Indonesian Standard (QRIS) as a key driver in the development of Financial Technology (Fintech) that contributes to increasing financial inclusion in Indonesia. Using qualitative methods through a descriptive approach, this study focuses on exploring and understanding phenomena related to QRIS implementation and its impact on the national digital financial ecosystem. Research data was obtained through literature studies from various relevant primary and secondary sources, thus providing a strong theoretical and practical foundation. The results show that QRIS functions as a link between cross-platform digital payment ecosystems, enabling interconnection between service providers, and facilitating non-cash transaction processes in a faster, safer, and more efficient manner. Furthermore, QRIS not only supports the development of financial technology in urban areas but also expands the reach of digital financial services to remote areas that were previously difficult to access by conventional banking services. Thus, QRIS plays a significant role in encouraging public participation in the formal financial system and helping achieve the national financial inclusion targets set by the government. This study concludes that QRIS is a strategic instrument in strengthening the foundation of Indonesia's digital economic transformation. Increasing financial inclusion not only impacts equitable access to financial services but also contributes to more inclusive and sustainable economic growth. These findings illustrate that QRIS is a technological policy innovation with strategic value, not only as a transaction tool but also as a driving force for digital financial integration in the era of national economic transformation. QRIS is a strategic tool in realizing national financial inclusion targets and supporting the vision of transformation towards Indonesia's digital economy.

This community service activity aims to empower the Women Farmers Group (KWT) in Sudiang, Makassar, through capacity building in digital marketing. In the era of rapidly developing digitalization and increasingly open and competitive markets, women farmers are required to be able to master digital technology-based marketing strategies so that the local agricultural products they produce can reach a wider market, not only at the local level but also regionally and even nationally. The methods used in this activity include interactive training, direct technical assistance, as well as social media development and the use of e-commerce platforms. Special training focuses on practical skills such as creating promotions, managing Instagram Business accounts, using WhatsApp Business content, and an introduction to the basics of branding and product photography. The assistance is carried out in stages to ensure that participants not only understand the material theoretically but also are able to implement it independently. The results of the activity show a significant increase in participants' understanding and skills in using digital technology as a product marketing tool. Participants become more confident in publishing their products online and are able to manage social media accounts professionally. One of the program's key achievements is the formation of a local digital community among women's groups (KWTs), which serves as a collaborative network for sharing information, marketing strategies, and supporting joint promotions. This community opens up opportunities for sustainable, long-term collaboration to collectively increase product sales value. Overall, this activity represents a strategic step in building women's economic independence through the inclusive and applicable use of digital technology. With this training, it is hoped that women's groups (KWTs) can become active actors in the local digital economy ecosystem and compete healthily in the open market.

Indonesia's Sharia capital market has experienced significant growth in the past decade, along with rising public awareness of Islamic economic principles and the adoption of digital technologies. This study aims to analyze the role of digital transformation in supporting the development of the Sharia capital market and to identify structural challenges, particularly in regulatory, financial literacy, and cybersecurity aspects. The methodology used is descriptive qualitative with a literature study approach, drawing on secondary data from reputable journals and official publications from OJK and the Indonesia Stock Exchange. The results indicate that while technological transformation has opened significant opportunities such as increased financial inclusion and youth investor engagement, the Sharia capital market still faces serious challenges related to unadaptive regulations, cyber threats and low investor literacy. This study recommends synergy between regulators, industry players and educational institutions to strengthen a sustainable Sharia capital market ecosystem.    

The strengthening of the digital ecosystem has changed the way people make purchasing decisions. This study aims to analyze consumer purchasing decisions in live shopping on the TikTok platform for fashion products. The study was conducted using a descriptive qualitative approach. The research data was sourced from digital searches and observations. The results of the study indicate that consumer purchasing decisions in live shopping on TikTok are influenced by several key factors, namely seller credibility, promotional systems, interactivity, transaction ease, and social influence. These factors interact with one another and shape a satisfying shopping experience for consumers, thereby encouraging them to make purchases. By understanding these factors, businesses can design more effective marketing strategies to maximize sales through the TikTok platform.

The function of Prosecutorial Intelligence (Intel Kejaksaan) holds a crucial strategic role, not only in supporting prosecution duties but also in crime prevention, safeguarding national development, and recovering state assets. Despite having a strong legal basis and a broad mandate, this function often faces operational challenges, data integration issues, and resource optimization constraints that limit its effectiveness within the dynamic law enforcement ecosystem. This research aims to deeply analyze the role and challenges of Prosecutorial Intelligence and formulate a model for optimizing its function to enhance the effectiveness of law enforcement in Indonesia. The research methodology employed is normative and sociological juridical with a qualitative approach, gathering data through literature review, regulatory study, and in-depth interviews with practitioners and academics. The findings indicate that the optimization of the Prosecutorial Intelligence function requires three main pillars: (1) Enhancing the capacity and professionalism of human resources (HR) through modern intelligence training and digital forensics. (2) Integrating and ensuring interoperability of the intelligence information system with other law enforcement agencies (Police, KPK, PPATK) to build a comprehensive intelligence big data. (3) Expanding the spectrum of intelligence operations, shifting from a traditional focus on corruption crimes to transnational crimes, cybercrime, and securing strategic national investments. This optimization is expected to transform Prosecutorial Intelligence into a proactive, data-oriented strategic early warning system capable of supporting Prosecutors in making evidence-based decisions, thus achieving effective, just, and impactful law enforcement for the community.

This paper explores the integration of digital media in enhancing students’ learning discipline within the context of Christian Religious Education (PAK), both at home and in school. In today’s digital era, digital media serves as a vital tool to support an interactive, flexible, and engaging learning process. Research indicates that digital media use can improve student motivation and engagement, which positively influences their study discipline. However, challenges such as limited technology access, low digital literacy, and potential distractions must also be addressed. The collaborative role of parents and educators is crucial in ensuring the effective use of digital media. Through this approach, digital media integration is expected to foster an adaptive, inclusive educational ecosystem that supports the development of student discipline and character.

The development of digital technology has brought major changes in various aspects of human life, especially in the fields of education and the world of work. In this modern era, laptops have become one of the essential devices, especially for students who also work. Laptops are not only used to complete academic assignments, but also to support professional work and daily social activities. One of the most popular laptop brands is the Apple MacBook, which is known for its elegant design, high performance, long battery life, and excellence in integration between devices through the Apple ecosystem. In the environment of the University of 17 August 1945 Surabaya, MacBooks are increasingly popular among working students because they are considered devices that support high productivity and are valuable long-term investments. This study aims to analyze the influence of lifestyle and reference groups on the decision to purchase Apple laptops (Macbook) among working students. The research method used is a quantitative approach by distributing questionnaires online via Google Form. The sampling technique applied is convenience sampling, with a total of 90 respondents who are active students who also work. Data were analyzed using multiple linear regression. The results of the study indicate that simultaneously Lifestyle and Reference Groups have a positive and significant effect on the Purchase Decision of Apple laptops (Macbook) among students working at the University of 17 August 1945 Surabaya. This finding provides important insights for manufacturers, marketers, and academics in designing more targeted marketing strategies, while also helping students in making rational and appropriate purchasing decisions.  

Digital transformation is a strategic step taken by organizations to improve efficiency, competitiveness, and service quality through the use of digital technology. One of the key elements in supporting the success of digital transformation is effective metadata management. Metadata, as data about data, plays an important role in improving the accessibility, interoperability, and integrity of digital information. This article discusses how systematic and standardized metadata management can optimize the digitalization process, accelerate information retrieval, and support data-based decision making. With a literature study approach and best practice analysis, this article outlines a metadata management strategy that can be integrated into the digital transformation framework. The results of the study show that the implementation of appropriate metadata policies, the use of supporting technology, and increasing data literacy in the organizational environment are determining factors in creating a resilient and adaptive digital ecosystem.

This study highlights the paradigmatic shift in human resource management (HRM) in response to the complexities of globalization. Globalization has not only expanded the geographical scope of business but also reconfigured demands for competencies, technology, and cultural dynamics within organizations. Using the systematic literature review (SLR) method, this article examines adaptive HRM strategies focused on three pillars: (1) developing global competencies through cross-cultural training and digital literacy, (2) integrating technologies such as artificial intelligence (AI) in recruitment and performance evaluation, and (3) managing cultural diversity to create an inclusive work ecosystem. Analytical findings reveal that organizations with holistic HRM approaches combining strategic agility, investment in employee upskilling, and data-driven systems tend to excel in mitigating risks of global market disruptions. Critical insights emphasize that success relies not only on technology adoption but also on managerial capabilities to address cultural conflicts and facilitate cross-border collaboration. The research concludes that strategic HRM serves as a driver of organizational innovation and sustainability, with practical recommendations for companies to develop evidence-based HRM frameworks aligned with global trends. 

This article discusses the urgency of strengthening Pancasila-based political ethics in addressing the challenges of the digital era. Pancasila, as the foundation of the state and a source of public ethics, faces various distortions in digital political practices, such as social media polarization, the spread of hoaxes, and the manipulation of public opinion. In this context, the values of Pancasila—particularly unity, social justice, and deliberation—serve as the moral foundation that must be reinforced through digital literacy and inclusive public policies. The discussion in this paper includes the concept of political ethics, the relevance of Pancasila values in digital spaces, strategies for strengthening these values through digital literacy curricula and public campaigns, and examples of implementation in digital policies and the behavior of online political actors. Using a normative and applicative approach, this paper emphasizes the importance of collaboration between the government, society, and media in creating an ethical and democratic digital ecosystem. Strengthening Pancasila-based political ethics is expected to foster a moral, critical, and inclusive Indonesian digital society.

The digital era has brought significant transformation in the financial sector, including the money market and capital market in Indonesia. Innovation in financial technology (fintech), digitalization of services, and increasing volume of online transactions require adaptive and responsive supervision from the authority institution. This study aims to analyze the role of the Financial Services Authority (OJK) in regulating, supervising, and developing the money market and capital market amidst the development of digital technology. The research method used is qualitative with a descriptive-analytical approach through literature studies and secondary data from official OJK reports and related regulations. The results of the study show that OJK plays a central role in maintaining the stability and integrity of the financial market through strengthening digital regulations, technology-based supervision (suptech), and investor protection. In addition, OJK also encourages digital financial inclusion and literacy to create a healthy and sustainable market ecosystem. These findings emphasize the importance of policy adaptation and strengthening OJK's institutional capacity in facing challenges and opportunities in the digital era.

In the face of an increasingly competitive landscape, culinary MSMEs in Indonesia are required to not only offer quality products, but also create interactive and emotional consumer experiences. This study aims to investigate the mediating role of loyalty programs in influencing the relationship between gamification and relationship marketing on Gen Z consumer loyalty. Using a quantitative approach through online questionnaire distribution to 385 Gen Z respondents on social media, the results show that both gamification and relationship marketing have a significant direct influence on consumer loyalty, as well as an indirect influence through the mediation of loyalty programs. The findings confirm that the integration of gamification elements-such as challenges, point systems, and leaderboards-in loyalty programs can generate intrinsic motivation that strengthens consumers' emotional engagement. Meanwhile, a relationship marketing approach based on trust and personalization encourages long-term commitment. This research extends the application of the Commitment-Trust and Self-Determination theories in the digital-native context, and makes a conceptual contribution to the strategic design of experiential loyalty programs for culinary MSMEs targeting Gen Z consumers. The practical implication is that business owners need to build a loyalty ecosystem that is not only functional, but also fun and emotionally meaningful.

The development of digital technology has given birth to a new era in the world of electronic commerce, namely social e-Commerce 2.0, which combines interactive features of social media with the ease of online transactions. One of the pioneers of this transformation is TikTok Shop, a platform that allows users to explore, promote, and purchase products directly through short video content. This article discusses how TikTok Shop revolutionizes the way consumers interact with products, the role of content creators as the main driver in marketing, and relevant business strategies amidst changes in digital consumer behavior. Through a trend analysis approach and case studies, this article examines the potential and challenges faced by TikTok Shop as a representation of the future of digital shopping. The results of the discussion show that TikTok Shop not only accelerates the buying and selling process but also creates a new ecosystem that combines entertainment, community, and consumption in one integrated platform.    

Digital transformation has become a major force in driving innovation in the Micro, Small and Medium Enterprises (MSMEs) sector in Indonesia. This research examines the role of technology platforms as a key driver in facing challenges and capitalizing on opportunities in the digital economy era. Through a descriptive qualitative approach, this study analyzes how MSMEs adopt digital platforms such as e-commerce, digital payments, and cloud-based technology to improve operational efficiency, expand market reach, and drive sustainable business growth. The results show that the utilization of technology platforms not only accelerates innovation in products and services, but also increases the competitiveness of MSMEs in the global market. However, technology adoption still faces obstacles such as limited digital literacy, infrastructure, and access to financing. Therefore, support from various parties, including the government, private sector, and educational institutions, is needed to create an inclusive and sustainable digital ecosystem for MSMEs in Indonesia.

This study uses a qualitative method to analyze the dynamics of the business environment within the context of the digital economy, specifically focusing on the impact of platformization on industry competition. Rapid digital technological developments have given rise to various digital platforms that disrupt conventional business models and reshape market structures across multiple sectors. Platforms such as marketplaces, ride-sharing services, and fintech companies have become dominant actors influencing competitive patterns, value distribution, and relationships between large and small enterprises. This research aims to understand how digital platforms affect industry competition through vertical integration, network effects, and data control. The findings reveal that platformization enhances transaction efficiency and market access but also creates imbalances in market power, digital monopolies, and dependency on algorithms. In this context, government regulation and business adaptation strategies are essential to maintaining competitive balance and ensuring the sustainability of the digital ecosystem. The study recommends the adoption of adaptive regulatory approaches and multi-sector collaboration to foster healthy competition in the digital era.    

This research uses a qualitative method to explore the integration of Artificial Intelligence (AI) in marketing tactics and its impact on the development of marketing skills among the new generation. The main focus is on the use of AI in analyzing consumer behavior, content personalization, campaign automation, and data-driven decision-making. The findings reveal that AI not only enhances operational efficiency but also drives a transformation in the skill sets required by modern marketers, such as data analysis capabilities, technological literacy, and adaptability to intelligent systems. Through in-depth interviews with marketing practitioners and digital document analysis, it was discovered that the new generation of marketers is required to develop more complex digital competencies and engage in multidisciplinary collaboration. Furthermore, adaptation to technological change becomes a key factor in the success of AI-based marketing strategies. The integration of artificial intelligence in marketing practices not only reshapes work patterns but also creates new demands for continuous training and marketing education. Therefore, this research emphasizes the importance of collaboration between educational institutions, industry, and technology developers to create a competitive AI-based marketing ecosystem.

The development of the digital economy in Indonesia drives the need for a transparent and efficient transaction system. Blockchain technology is present as a creative answer to this challenge, through distributed and unmodifiable transaction recording. This study uses a literature study method by reviewing various scientific literature related to the role of blockchain in increasing transparency and security of digital transactions. The results of the study state that blockchain can strengthen the digital economy ecosystem by increasing public trust, data protection, and operational efficiency, especially in the financial and MSME sectors. However, the implementation of this technology still faces obstacles such as limited regulations, infrastructure, and digital literacy. Therefore, this study recommends a strategy for developing a blockchain-based digital economy platform through a decentralized architecture approach, smart contract integration, digital identity protection, regulatory compliance, and public education.

This study aims to analyze the transformation of marketing elements in the digital era and how sharia values can be integrated to support business sustainability. Using a literature study method, this study found that digitalization has changed the structure of the marketing mix (7P), creating new challenges and opportunities that demand ethics and fairness in marketing practices. Sharia values such as transparency, honesty, and trustworthiness are very relevant to be applied in digital marketing, both in the context of halal products, ethical distribution, educational promotion, and services based on Islamic values. The integration of sharia principles in digital marketing has been proven to support business sustainability from an economic, social, and environmental perspective, creating a business ecosystem that is not only profitable but also ethical and oriented towards the welfare.

Technological shifts and changing consumer behaviors require organizations to continuously innovate in order to remain competitive. In this context, creative leadership plays a strategic role in driving market disruption through the development of relevant and adaptive business model innovations. This study adopts a qualitative approach based on secondary data using the Systematic Literature Review (SLR) method. A variety of academic sources, including journal articles and case studies of companies such as Netflix, Gojek, and Ruangguru, were systematically analyzed to identify strategic leadership patterns in creating disruption. The findings indicate that creative leaders do more than just adopt technology—they design innovation ecosystems that foster experimentation, continuous learning, and responsiveness to market needs. Strategies such as digital platform development, big data utilization, and business model transformation serve as key tools in challenging conventional market boundaries. This study contributes conceptually to the understanding of the relationship between creative leadership and business model innovation in navigating the complexities of the digital era.

Technological shifts and changing consumer behaviors require organizations to continuously innovate in order to remain competitive. In this context, creative leadership plays a strategic role in driving market disruption through the development of relevant and adaptive business model innovations. This study adopts a qualitative approach based on secondary data using the Systematic Literature Review (SLR) method. A variety of academic sources, including journal articles and case studies of companies such as Netflix, Gojek, and Ruangguru, were systematically analyzed to identify strategic leadership patterns in creating disruption. The findings indicate that creative leaders do more than just adopt technology—they design innovation ecosystems that foster experimentation, continuous learning, and responsiveness to market needs. Strategies such as digital platform development, big data utilization, and business model transformation serve as key tools in challenging conventional market boundaries. This study contributes conceptually to the understanding of the relationship between creative leadership and business model innovation in navigating the complexities of the digital era.