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The purpose of this research is to determine the effect of promotional attractiveness and ease of use of technology on loyalty in using e-money (in Indonesian sharia bank e-money products at the Radial Palembang sub-branch office). This research uses primary data with a quantitative approach. The population in this study were customers of Bank Syariah Indonesia (BSI) Palembang Radial Palembang Sub-Branch who used 200 e-money products in the last 1 year. Sampling in this research used the Slovin formula, resulting in 67 customers being sampled in this research. The analytical methods used in this research are validity, reliability, classical assumption testing, multiple linear regression and hypothesis testing using IBM SPSS 26 statistical analysis. The results of this research show that the promotional attractiveness variable has a significant effect on e-money user loyalty and the ease of use of technology variable has a significant effect on e-money user loyalty.

The rapid growth of cross-platform applications has significantly increased the volume and diversity of sensitive user data processed across heterogeneous and distributed environments. Personally identifiable information, device identifiers, behavioral data, and financial information are routinely collected to support personalization, analytics, and service optimization. While these practices enhance application functionality and user experience, they also introduce substantial privacy risks, including unauthorized data access, device fingerprint–based re-identification, cross-user data leakage, and large-scale data breaches. These risks are further amplified by distributed processing architectures and extensive third-party library integrations commonly used in modern cross-platform systems. This study aims to systematically analyze privacy issues in cross-platform applications by examining the types of sensitive data involved, identifying dominant privacy threats, and reviewing state-of-the-art privacy-preserving mitigation strategies. A systematic literature-based methodology was employed, focusing on recent Scopus-indexed journal articles, conference papers, and book chapters. The analysis synthesizes findings using thematic categorization and a conceptual research framework that maps sensitive data sources to privacy threats and corresponding mitigation mechanisms. The results indicate that privacy risks in cross-platform applications originate not only from external attacks but also from internal architectural weaknesses, such as flawed authorization logic and excessive data sharing across system components. Privacy-preserving techniques including differential privacy, federated learning, blockchain-based data governance, secure multi-party computation, and fine-grained access control mechanisms are shown to provide stronger privacy guarantees compared to conventional centralized approaches. However, these techniques also present trade-offs related to system complexity and performance. Overall, the study highlights the importance of adopting a multi-layered, privacy-by-design approach to ensure sustainable, trustworthy, and regulation-compliant cross-platform application development.

Shopee PayLater is a form of fintech that allows users to shop online by delaying payment. However, the use of paylater itself is a problem because the MUI fatwa prohibits paylater because it contains riba in its implementation practices, In the campus environment, one of which is FEB Universitas Brawijaya students, it is undeniable that consumptive behavior is one of the behaviors that are often found. This study aims to analyze the effect of debt understanding, usury understanding, financial literacy, and religiosity on the consumptive behavior of students of the Faculty of Economics and Business, Universitas Brawijaya. The research methodology used in this type of research is descriptive quantitative with multiple linear regression analysis models. The results of this study are that understanding debt and financial literacy affect consumptive behavior, while understanding usury and religiosity do not affect consumptive behavior. The implications of this research are expected to contribute insight into the use of Shopee PayLater on consumptive behavior. In addition, it can also be used by educational institutions and governments in controlling consumptive behavior.    

This study aims to determine the influence of online customer reviews, online customer ratings, and live streaming features on the purchase decisions of fashion products on the Shopee marketplace in the Surakarta region. This research was conducted in October 2023. The number of samples in this study was 147 respondents from Shopee users in Surakarta. Sampling is done using the purposive sampling method. The data collection technique used in this study is the quantitative method of distributing questionnaires online through social media. Multiple regression is the analysis method used in this study. The results of this study show that online customer reviews, online customer ratings, and live streaming features partially have a significant positive influence on the purchase decisions of fashion products in Surakarta.

This mini-research aims to analyze the principles of implementing GCG which include transparency, accountability, responsibility, independence and justice, which are fundamental in managing business, especially in state-owned companies as regulated in the Regulation of the Minister of State for State-Owned Enterprises Number: PER – 01/MBU/2011 regarding the Implementation of Good Corporate Governance. The implementation of good corporate governance in the company has not been optimal due to a lack of socialization to communicate, educate and convey information about GCG to employees based on position holders. This research uses qualitative research methods with informants from related positions, company employees and service users. The results of the research show a lack of socialization from office holders so that new employees do not understand GCG, the principles of accountability, starting from the delivery of information and financial reports, have not been implemented quickly, and the principles of responsibility in service sessions have not been maximized, as shown by, among other things, limited internet access and provide comfort and satisfaction to customers.

This study aims to determine the effect of perceived usefulness, perceived ease of use, product features and reference groups on the decision to use TikTok users in Kebumen Regency. The population in this study are all users of the TikTok application in Kebumen Regency who have used and are currently using the TikTok application. This study used a purposive sampling method in taking samples with as many as 125 respondents. This research uses quantitative methods. Data analysis used multiple linear regression analysis with the SPSS 25 for windows program. Based on statistical methods, validity test, reliability test, multicollinearity test, heteroscedasticity test, normality test, multiple linear regression test, partial test, simultaneous test and coefficient of determination test were carried out. Based on the research results, it can be seen that perceived usefulness, perceived ease of use, product features and reference groups influence the decision to use by 50.1%. The results of this study indicate that based on the validity and reliability tests, all variables are declared valid and reliable. Based on the results of the t-test for perceived usefulness, perceived ease of use and product features each have a significant effect on the decision to use, while the reference group has no significant effect on the decision to use.

Introduction : Smart hospital is an emerging and fast-developing innovation in the context of a rapid increase of internet users, an increasing demand for high-quality medical resources, and an aging population worldwide. It generally involves the use of the optimized and automated processes built on an information and communications technology (ICT) environment, especially based on the Internet of things (IoT), to offer assessment, consultation, direct treatment, services, and integrated care. This innovation has the potential and has already gained initial evidence to improve healthcare access, efficiency, or even effectiveness. Yet, along with these positive impacts and promises, a number of issues and challenges also appear.Methods: Study This is study quantitative with design survey research. Study This done on the month of June 2023. Instruments used in study This use questionnaire with the HOT-Fit method consisting of the 47 questions divided in 6 groups question namely: Human, Organization, Technology, Knowledge Users Regulations and Benefits. Subject for this study is hospital managers, administration staff and health workers. Data analysis using analysis multivariate .Result: 22 hospital state that digitization service health to a very smart hospital important one of them is applied For increase quality service House hurts and improves satisfaction patient. In application of smart hospital Sick need integrate between technology, service and regulation.Conclusion : Smart hospitals can influence health and medical policies and create new medical values by defining and quantitatively measuring detailed indicators based on data collected from existing hospitals. Simultaneously, appropriate government incentives, consolidated interdisciplinary research, and active participation by industry are required to foster and facilitate smart hospitals.   Keywords: ,   

The Gulf Cooperation Council (GCC) region has experienced tremendous growth in the higher education sector with many public but internationally recognized universities, colleges, and programs. Annually, within and outside of the GCC zone, high school students and guardians undergo repeatable and time-consuming experiences for inhomogeneous university, college, and program admission and tracking processes. This research project aims to provide a unified management tool to manage the admission and tracking process to multiple accredited GCC universities, colleges, and programs through one unified central mobile-based application. The research project aimed to achieve two objectives: exploring the GCC university admission process phenomena and developing and evaluating a unified mobile-based university admission application (denoted by HEIM) for higher education institutes' mobile applications. An Agile-SDLC methodology was employed, entailing two phases; the Exploratory phase to the phenomena of the university admission process and the development and evaluation phase of the potential mobile application. The 1st phase was based on an interview with the Ministry of Education (MOE), employing SLR and CA techniques for articles and mobile applications collection and analysis, and 1st questionnaire to collect user requirements. The 2nd phase employed several design techniques, including DFD, ERD, etc., a 2nd questionnaire to collect system requirements and coding by .NET MAUI, C#, and XAML, and a 3rd questionnaire to evaluate the usability of HEIM based on Nielsen heuristics at which the empirical findings revealed 97.7% of usability.

Website is a form of mass media that is published through internet network that can be accessed anywhere and anytime. To know the quality of a website it is necessary to measure, by doing measurement of the quality of a website can be known user satisfaction against the website. In this study using the WebQual 4.0 method refers to the three core dimensions representing the quality of a Website, namely usability, Information Quality, Service Interaction Quality. This research was conducted using a questionnaire the population of this study were Lintasarta employees, sample from this study 28 questionnaires. After the data is obtained, it is tested for validity and reliability. In this study, the regression analysis used the assumption test classical, and multiple linear analysis. Then for hypothesis testing F test and t test are used. The results obtained in this study are Usability Quality, Information Quality and Interaction quality have a positive effect on consumer satisfaction.

This study aims to determine and analyze the factors that affect the baby boomers generation using e-wallets. The factors used in this research are Effectiveness, Excellence, and Attractiveness. The population of this study is the Baby Boomers generation whose age is more than 59 years old with a sample of 52 respondents taken from all Baby Boomers generation who use e-wallets in Semarang City with unknown population. The data analysis model uses Multiple Linear Regression Models. The data analysis technique uses the F Statistical Test, t Statistical Test, and the Coefficient of Determination. The results of this study indicate that Effectiveness, Excellence, and Attractiveness simultaneously have a significant effect. Based on the results of the t test, it is concluded that Effectiveness and Excellence have an insignificant effect on E-Wallet user interest, while Attractiveness has a significant effect.

This study aims to analyze the effect of price and promotion on purchasing decisions. The research method used is a quantitative method. This study uses purposive sampling. The sample in this study amounted to 50 respondents. Data collection instrument using a questionnaire. The dependent variable is the purchase decision variable and the independent variable is the price, and the promotion is the price, and the promotion is on the purchase decision of Shopee users. The data analysis method used is multiple linear regression. All statements are valid, reliable and normal. The results show that the coefficient of determination (R Square) of the independent variable on the dependent variable is R2 = 0.507 or 50.7%. The independent variable can explain the dependent variable. From the research, it shows that price has a significant effect on purchasing decisions of Shopee users in Simokalangan II. This is proven by tcount being greater than ttable (3,722 > 1,678). And so does the Promotion which has a significant effect on the purchasing decision of Shopee users in Simokalangan II. This is evidenced by tcount being greater than ttable (4,221 > 1,678). While the results of the simultaneous test of price and promotion variables have a significant effect of fcount 24.120 > ftable 2.802 on purchasing decisions. This shows that the better the price and promotions provided, the higher the buying decision of Shopee users in Simokalangan II.

This research aims to determine the improvement of the logistics ecosystem both from exports and imports at Pelindo Multi Terminal Belawan. Where Pelindo Belawan is the largest port in North Sumatra, however, due to the improvement in the logistics ecosystem, many goods have to transit before arriving at the Belawan Port dock. Apart from that, it can carry out port activities appropriately and maximize aspects of office effectiveness in order to create work comfort and optimal performance for its employees. If employees and service users who work feel comfortable and satisfied then their performance at Pelindo Multi Terminal Belawan will also be good. This study uses a qualitative method.

This Research deals with the effect of exposure to Instagram social media advertising, Electronic world of Mouth on buying interest in TehPucuk Harum products. The purpose of this study is to determine the influence between the variables studied such as social media instagram, Electronic world of Mouth, and purchase intention. This research was conducted quantitatively and used a questionnaire as a data collection method. The population was 125 respondents and the research sample used was 125 respondents. The selected population is an Instagram social media user who is a follower of @pucukharumid, as well as a minimum age of 18 years which by law has been declared as the age of legal capacity, and respondents must have seen advertising content for the Teh Pucuk Harum product on Instagram social media. Then sampling using convenience sampling. The techniques in quantitative analysis used in this study are t test, F test, and multiple regression analysis. The results of this study indicate that there is a positive influence between Instagram social media on buying interest, Electronic World of Mouth, has a positive influence with buying interest. The results of this study are expected to help advertisers to find out some of the factors that influence buying interest in Teh Pucuk Harum products on Instagram social media, so that Instagram social media users can have buying interest in Teh Pucuk Harum products.

The use of information technology has become an integral part of modern tourism development. Interactive tourist maps have proven to be an effective tool in guiding travelers to explore tourist destinations. This research focuses on designing an innovative and appealing tourist map for the city of Sidoarjo, utilizing cheerful landmark designs. The development method involves user needs analysis, selection of representative landmarks, and the implementation of attractive and user-friendly graphic designs. This interactive tourist map is designed to be accessible through digital platforms, enabling users to plan their journeys more efficiently. The selected landmarks not only serve as location markers but are also designed with cheerful aesthetics to enhance the user experience. The map is equipped with interactive features such as detailed information about each landmark, the best travel routes, as well as reviews and recommendations from previous users. It is expected that the design of this interactive tourist map will make a positive contribution to promoting tourism in the city of Sidoarjo and enhancing traveler satisfaction through an engaging and informative experience. Furthermore, the use of cheerful landmark designs is anticipated to create a strong visual identity, setting it apart from tourist destinations in other cities.

The background of this research is that many users of the KAI Access mobile application complain about the difficulty of using some of the features provided, such as difficulty logging into the KAI Access mobile application, frequent loading when making payments, server down and lack of agility in making repairs, few payment options.the user interface which is considered difficult to understand to the error notification where it is not clear where the error is. This study aims to determine the effect of perceived convenience, publication, convenience of access and trust partially on purchase intention. The population in this study were users of the KAI Access mobile application and the sample for this study was 100 respondents. The sampling technique is nonprobability sampling with the type of sampling that is purposive sampling. Data analysis used in this study was descriptive analysis and quantitative analysis, data were analyzed using multiple linear regression analysis with the help of (software) Statistical Package for Social Science (SPSS) version 26. The results of research by testing the hypothesis t-test showed that perceived ease of use, publication, ease of access and trust have a positive and significant effect on purchase intention. Based on the research results, it can be seen that the research model of the multiple linear regression equation is:Y= -1.735 + 0.291.X1 + 0.256.X2 + 0.247.X3 + 0.335.X4 + μ The results of the equation show that the Perceived Convenience variable (X1) has (t count 3.442 > t table 1.984), the Publication variable (X2) has (t count 2.398 > t table 1.984), the Ease of Access variable (X3) has (t count 2.892 > t table 1.985) and the variable Trust (X4) has (t count 4.802 > t table 1.984). As for the value of Adjusted R2 = 0.619. This means that 61.9% of the variation in the dependent variable (Y), namely Purchase Intention, is explained by the independent variables, namely Perceived Convenience, Publication, Convenience of Access and Trust. The remaining 100% - 61.9% = 38.1%, other variables not proposed in this study.

Transport by sea is a commercial shipping business that operates in the field of providing sea cargo transportation services where the business activities are very broad in scope and play an important role in advancing domestic and foreign trade, including in efforts to facilitate the flow of goods from production areas to consumer areas. This research aims to to determine the influence of price, service quality and promotion on the interest of users of sea transportation services. The population in this study were passengers on the Dharma Lautan Utama ship and the sample used in this study was 100 respondents. The sampling technique used was simple random sampling probability sampling, then the data was analyzed using multiple linear regression with the help of (software) Statistical Package For Social Science (SPSS) Version 26. The regression formulation in this research is as follows:  Y = 0.733 + 0.333X1 + 0.203X2 + 0.385X3 + µ  From this equation it is known that the most dominant variable influencing the interest of users of sea transportation services is the promotion variable with a regression coefficient of 0.385. The R2 (R Square) test obtained a result of 0.561 or 56.1%, which means that the interest of sea transportation service users (Y) can be explained by independent variables, namely price (X1), service quality (X2) and promotion (X3). ). Meanwhile, the remainder (100%-61.9% = 38.1%) is explained by other variables outside the model which are not explained in this research.

This study aims to determine: (1) the effect of ease of use on consumer attitudes in online shopping at online Lazada.com stores, (2) the effect of usability on consumer attitudes in online shopping at Lazada.com online stores, (3) the effect of risk perception on consumer attitudes in online shopping at online stores at Lazada.com, (4) the influence of convenience on consumer attitudes in online shopping at online Lazada.com stores, and (5) the influence of ease of use, usability, risk perception and convenience on consumer attitudes in online shopping at Lazada.com online store. The population in this study are internet users in Tangerang. The sampling technique used in this study was purposive sampling with a sample size of 200 people. The data collection technique uses a questionnaire that has been tested for validity and reliability. The analysis technique used is multiple regression. The results show that: (1) there is a positive effect of ease of use on consumer attitudes in online shopping, (2) there is a positive effect of usefulness on consumer attitudes in online shopping (3) there is a positive effect of risk perception on consumer attitudes in online shopping (4) there is a positive influence of convenience on consumer attitudes in online shopping.

The purpose of this investigation was to determine if a correlation exists between e-trust, e-service quality, price, and web quality in relation to traveloka user e-satisfaction. The methodology employed was quantitative and involved collecting survey data from 100 users of the traveloka app and website. Statistical analysis was performed utilizing SPSS V.24 software. The research utilized various tests including validity, reliability, normality, heteroscedasticity, multicollinearity, T-test, F-test, and coefficient of determination. The results demonstrate that e-trust, e-service quality, price, and web quality positively and significantly impact e-satisfaction. Notably, e-trust has a partially but significantly positive impact on e-satisfaction. Additionally, the quality of e-service and price variables significantly positively affect e-satisfaction, as well as web quality,  which is another significant factor that positively influences e-satisfaction.

This study aims to determine the effect of price and service quality on Grab customer satisfaction in an area. The population in this study are residents who live in the Pamulang sub-district, Tangerang Selatan city. users of GrabBike and GrabFood services in Pamulang sub-district, Tangerang Selatan city with a sample of 100 respondents. Sampling using purposive sampling technique. Data collection techniques using questionnaires and literature studies as well as by browsing the internet. The data analysis technique used is multiple linear regression. The results show that the price and service quality simultaneously affect Grab's customer satisfaction. Service quality does not partially affect Grab customer satisfaction Prices partially affect Grab customer satisfaction.  

Background: A traffic accident is an unexpected and unwanted road traffic event which is difficult to predict when and where it will occur, involving at least one vehicle with other road users or due to negligence in driving a vehicle, be it a car or motorcycle which can cause death, disability, serious injury or minor injury. Within the territory of Indonesia itself, every hour has an average of at least three people who die as a result of the accident with many causal factors such as the human factor itself, which is around 61%, then the vehicle factor is 9% and environmental factors and infrastructure contribute as much as 30%. Case Description : We report a case of a traffic accident with multiple trauma. This traffic accident involved 2 motorbike riders who were traveling at maximum speed so that they collided with a truck that was stopped at a red light in Makassar City, South Sulawesi, on Thursday 15 June 2022 at around 01.00 WITA and caused the two motorbike riders to die. The motorbike that was traveling at high speed suddenly stopped and hit the back of the truck, as a result the body moving at the speed of the vehicle suddenly experienced a deceleration, causing multiple trauma to several regions or organs of the body. The effects on the victim's corpse varied in the form of head injuries, open wounds, and fractures to several bones. Conclusion : Forensic examination is very useful to determine the cause of death, mechanism of death, and nature of death. In the medical report of a traffic accident, the forensic doctor can explain his findings in the form of a post mortem et repertum.