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The development of information and communication technology in Indonesia has grown significantly over the past few years. Thus, there are many opportunities to digitize the business process of a business or business ecosystem. One of them is in the field of digital economy by adapting business processes into a digital platform, such as designing an e-commerce platform in a village that has commodities in it so that related commodities can increase the visibility of their products. This research uses Belega Village as a case study location considering that this village has a commodity in the form of bamboo crafts. Research was conducted to build a web-based bamboo handicraft e-commerce application that would be expected to increase product visibility. The application itself is built using the Agile Development method using the sprint model. This application is built with a microservice architecture with Express.js technology as a backend service and Next.js to create client applications and PostgreSQL as a DBMS. The result of this research is a web-based e-commerce application that is expected to increase the visibility of products from bamboo crafts from Belega Village.

This community service has several objectives, first assistance in making AK1, second, widening the information system regarding job vacancies and the employment ecosystem with a digitalization system and making it more integrated. Carried out using the PAR (Participatory Action Research) method, with several stages, namely, participation, planning, implementation, and evaluation. So that this service produces output from optimizing the digitalization system for job seekers and workers which makes it easier to find various information, and the form of competency training carried out also has a positive impact on companies that want to recruit employees because they have received provisions from the training program that has been held.

This research aims to analyze consumer protection in e-commerce in Indonesia, focusing on the obstacles in implementing consumer protection regulations in e-commerce in Indonesia. It also aims to analyze and evaluate the challenges related to compliance and oversight in the application of consumer protection regulations. In the digital era, e-commerce transactions have rapidly evolved, but this has also led to various consumer protection issues, such as fraud and a lack of transparency. For that reason, appropriate regulations are needed to protect consumers. This research employs a normative-descriptive research method, utilizing both the statute approach and the conceptual approach. The author uses the statute approach to analyze the applicable laws related to e-commerce and consumer protection, while the conceptual approach is used to explore the ideal concept of consumer protection in the context of digital transactions. The research results indicate that although regulations related to e-commerce are in place, the main challenge lies in the less-than-optimal implementation and oversight. Obstacles such as a lack of human resources and monitoring technology, as well as the complexity of cross-border jurisdictions, are factors that complicate effective consumer protection. Therefore, there is a need for efforts to improve legal infrastructure and stricter oversight to ensure that consumer rights are protected within the e-commerce ecosystem in Indonesia.

This narrative literature review examines the role of entrepreneurial leadership in Indonesian higher education as a strategic approach to enhancing human resource quality and national competitiveness. Amid rapid changes in the higher education landscape, entrepreneurial leadership emerges as a critical framework that integrates innovation, visionary thinking, calculated risk-taking, and collaborative governance. This leadership style fosters an institutional culture that encourages creativity, flexibility, and continuous improvement among faculty and students, aligning educational outcomes with labor market demands. The review synthesizes current research on how entrepreneurial leadership influences institutional strength, academic quality, and socio-economic development through partnerships involving universities, government, industry, and communities. It highlights challenges such as low entrepreneurial motivation among business students and the need for integrating practical entrepreneurial education effectively. Furthermore, digital transformation and internationalization are identified as key enablers for cultivating entrepreneurial mindsets and skills. The study underscores the importance of comprehensive policies, stakeholder engagement, and contextualized educational programs to support entrepreneurial ecosystems in higher education. Ultimately, fostering entrepreneurial leadership is essential for preparing graduates equipped with critical thinking, project management, and communication skills, thereby contributing to sustainable economic growth and innovation in Indonesia.

This study provides a comparative analysis of the regulatory frameworks governing Buy Now Pay Later (BNPL) services across ten ASEAN countries: Indonesia, Malaysia, Singapore, Thailand, the Philippines, Laos, Brunei Darussalam, Vietnam, Myanmar, and Cambodia. As BNPL services rapidly expand throughout the region, understanding the diverse regulatory landscapes and their implications becomes increasingly critical for fostering financial stability, consumer protection, and innovation in the digital financial ecosystem.  Utilizing a literature review methodology, the research examines existing regulations, legal frameworks, and market trends, assessing their impact on financial stability, consumer protection, and fintech innovation.  Singapore is identified as the leader in regulatory practices, effectively balancing fintech innovation with stringent consumer protection. Indonesia and Malaysia emphasize financial inclusion and systemic risk management, with Indonesia's framework focusing on transparency and financial literacy. Thailand and the Philippines are refining their frameworks, while Myanmar, Laos, Brunei, Vietnam and Cambodia are still developing their regulatory approaches. BNPL services, driven by growing e-commerce and fintech ecosystems, offer significant opportunities for financial inclusion but also pose challenges related to over-indebtedness, credit risk, and data protection. The analysis emphasizes that while BNPL presents significant opportunities for financial inclusion and fintech innovation, effective regulation is critical to ensuring sustainable growth and protecting consumers from debt traps and financial instability.

This article explores the role of digital transformation in enhancing financial inclusion through Islamic banking, focusing on community digital education and literacy. The primary objective of this research is to empower communities with the necessary knowledge and skills to safely and effectively utilize digital Islamic banking services. This community service program was implemented through training, mentoring, and evaluation designed to increase understanding of Islamic fintech. The findings demonstrate a significant improvement in the comprehension and use of digital Islamic banking services, particularly in previously underserved areas. The study also highlights the importance of collaboration with local Islamic financial institutions to ensure that digital transformation can be inclusively implemented. This article is part of a broader effort to support the National Digital Economy Framework, emphasizing the importance of Islamic banking strategies in strengthening Indonesia's financial system and creating an inclusive and sustainable fintech ecosystem.

The evolution of global virtual firms in the post-pandemic era has transformed the dynamics of leadership, collaboration, and team performance. This study investigates the influence of digital leadership styles-particularly transformational, transactional, and adaptive-on the effectiveness of collaboration among remote teams operating in multinational virtual environments. Using a mixed-methods approach that integrates quantitative surveys and qualitative interviews, data were collected from managers and team leaders of multinational corporations who lead geographically dispersed teams. Quantitative findings reveal that adaptive and transformational digital leadership styles significantly enhance communication, coordination, trust, and motivation within remote teams, while transactional leadership proves less effective in sustaining engagement across time zones and cultural boundaries. Qualitative insights highlight that flexibility, empathy, and digital literacy are central to building trust and cohesion in diverse virtual settings. Moreover, the use of advanced collaboration tools such as Slack, Microsoft Teams, and Zoom amplifies leadership effectiveness when aligned with inclusive communication practices. The study underscores that successful digital leadership depends on balancing human-centered empathy with technological competence to foster team cohesion and innovation. Managerial implications emphasize the need to develop leaders’ digital competencies and cross-cultural communication skills, along with fostering adaptive strategies to sustain engagement in virtual work environments. Future research should explore the longitudinal effects of digital leadership development programs across industries to assess their sustained impact on productivity, innovation, and organizational resilience in digital ecosystems.

The implementation of digital health insurance systems represents a pivotal shift in healthcare management globally, aiming to streamline processes, enhance accessibility, and mitigate financial barriers to healthcare services. This study investigates the impact of digital health insurance on health expenditure and health security in Bangladesh, a country striving to improve its healthcare infrastructure and financial accessibility. However, in Bangladesh health insurance does not exist and people has to bear all treatment cost alone. The insurer in development countries is changing its role toward a more preventive and connected approach. Connected or digital health insurance has the potential to contribute toward better health and the general well-being of the population. Digital technologies are evolving and innovative applications are transforming the medical and health insurance sector. New technologies like wearable, mobile platforms and IoT base health monitoring systems can help to deal with several critical issues of the rising number of people, patients with chronic disease, and aging people, the insurer can help them to be healthier and protect them by insurance coverage. This study aims to look at the innovation of Health insurers and how they include themselves in the health ecosystem that adds value for the insured and patients globally, and can proposed a model that can introduce in Bangladesh.

In today's digital era, technology and information are developing very rapidly. The role of technology has brought benefits to humans in all aspects of the field, namely education, economics, social and culture, transportation, etc. With increasingly advanced technology, it is hoped that it will make human work easier in the future. Digital technology has changed the way we work, interact and do business. In today's digital era, old systems and processes must be rethought, and new technologies must be implemented so that businesses remain competitive and grow. High global competition places demands on business actors to continue to improve product innovation by utilizing existing technology to face this global challenge. Utilization of technology such as Increasing Operational Efficiency and Global Business can also help in understanding the changes that occur in the digital business ecosystem. The aim of this research is to determine the influence of digital technology on the development of modern business.    

This paper explores the Time-Based One-Time Password (TOTP) authentication mechanism enhanced with lightweight cryptographic algorithms, presenting it as an advanced solution to the limitations of traditional OTP systems. There are a lot of applications and systems where this mechanism is applied. For example, bank applications, e-commerce websites, access control system, healthcare system, etc. TOTP generates dynamic, time-sensitive passwords using the current time and a secret key processed through a cryptographic hash function, significantly improving security by reducing vulnerabilities to code reused and interception. The adoption of lightweight algorithms ensures that TOTP can be efficiently implemented on resource-constrained devices, such as those on the Internet of Things (IoT) ecosystem. Despite its benefits, TOTP faces challenges including synchronization issues between client devices and servers, and a trade-off between computational efficiency and security strength. This paper discusses the implications of these challenges and evaluates how TOTP, with appropriate design considerations, can provide a robust, secure, and efficient authentication method suitable for various applications, from digital banking to IoT environments.

This research aims to find out the role of the digital economy in the performance of modern markets in Indonesia. The method used in this research is a qualitative descriptive method by collecting data from various books and journals whose research focus is the same as the title of the research being studied. The research results show that the digital business economy has provided opportunities for entrepreneurs in the future. By using digital everyone can advance their business and gain profits. With this modern market, consumers will find it easier to access transactions with traders in unlimited areas. However, on the other hand, the modern market also has a negative impact on the Indonesian economy, such as the traditional market ecosystem which will be defeated by the modern market and fraud.

Digital transformation has become a major factor in accelerating growth and innovation in startups. This study aims to provide an overview of the evolution of digital transformation studies in startups globally, as well as propose future research directions to strengthen studies related to digital transformation in resilient startups. The method used was a systematic literature review with a bibliometric analysis and content analysis approach. The research protocol involved 29 articles collected from the Scopus database through a search using Publish or Perish, with the help of Excel and Mendeley for quantitative analysis of the sample and bibliographic management. Bibliometric analysis was conducted using Biblioshiny R Studio and VOSviewer software. Research on digital transformation (DT) in Start-up increased significantly from 2017 to 2024, with the highest number of publications reached in 2023. Through bibliometric analysis and science mapping, four main focuses of research were found, namely innovation, digital business models, digital technology, and digital transformation. In addition, the research also identified five key future trends in DT studies on startups, namely digital business innovation, sustainability, technology adoption, social innovation, and digital entrepreneurship.

The role of mompreneurs in the creative economy is increasingly significant in supporting local economic growth. This article explores the relationship between mompreneurship and the creative economy through the Systematic Literature Review (SLR) approach. This study shows that mompreneurs, with innovation and adaptive skills, can create job opportunities, strengthen the family economy, and have a positive impact on local communities. However, challenges such as limited access to capital and social pressures remain major obstacles. This article provides strategic recommendations to support mompreneurs in Indonesia by utilizing digital technology, strengthening the business ecosystem, and improving financial literacy. Thus, mompreneurs can be agents of change in the creative economy that contribute to sustainable economic development.

In the growing digital era, the use of TikTok by local Micro, Small, and Medium Enterprises has become a significant concern in an effort to expand markets and increase sales. This article analyzes the challenges and strategies that can be adopted by  in facing e-commerce dynamics and utilizing the TikTok Platform as E-Commerce effectively. The research method used is using a qualitative approach method by conducting literature studies and literature studies. The method for data collection is obtained from the official website (e-commerce usage data) and studying theories from various literatures related to the research. The results show the importance of efficient advertising budget management, optimization of logistics and delivery, improved skills in content creation, strategic collaboration, and campaign performance monitoring as key steps in facing challenges and taking advantage of opportunities in TikTok Commerce. Through a deep understanding of market dynamics and the implementation of appropriate strategies, MSMEs can strengthen their presence in TikTok Commerce and increase their competitiveness in the competitive e-commerce ecosystem. Translated with DeepL.com (free version)

The rise of digital crime, particularly cybercrime, poses significant challenges to individuals, organizations, and societies worldwide. This study explores emerging trends and challenges in digital crime, focusing on the tactics employed by cybercriminals and the countermeasures developed to mitigate these threats. The urgency of this research lies in the increasing sophistication and frequency of cyberattacks, which threaten sensitive data, financial assets, and critical infrastructure. The objectives of this study are to analyze current trends in cybercrime, identify the most prevalent tactics used by cybercriminals, and examine effective countermeasures and strategies implemented by organizations and law enforcement agencies. This research adopts a literature review methodology, synthesizing findings from academic research, industry reports, and government publications. Key findings highlight the evolving nature of cyber threats, including phishing attacks, ransomware campaigns, and data breaches. Effective countermeasures include cybersecurity frameworks, incident response protocols, and technological advancements in threat detection and prevention. The study underscores the importance of ongoing research and collaboration among stakeholders to address the dynamic landscape of digital crime and safeguard digital ecosystems against emerging threats

In this digital era, product photos play a crucial role as the main tool to attract the attention of potential consumers. Community service in the form of product photography services emerged as a promising solution. This product photography service not only provides access to good quality product photos, but can also empower small and medium businesses to increase their presence in an increasingly competitive online market. This Community Service focuses on providing product photography services for Small and Medium Enterprises (UKM) located on the 3rd and 4th floors of South Johar Market, Semarang City. This service aims to provide photo services for products owned by various SMEs in Johar Market, such as food, handicrafts, shoes, batik cloth, etc. The results of this service include journal publications, training modules, documentation, press releases and final reports. It is hoped that this service can make a real contribution in strengthening the local business ecosystem and encouraging economic inclusion for all parties involved.

This article discusses the importance of building an e-commerce ecosystem that supports the growth of Micro, Small and Medium Enterprises (MSMEs). In an era of increasingly rapid digitalization, MSMEs need to adopt e-commerce platforms to expand their market reach and increase their competitiveness. However, to achieve sustainable growth, a strong and sustainable e-commerce ecosystem needs to be built. In this article, the author identifies the opportunities that exist in building an e-commerce ecosystem that supports MSMEs. One of the main opportunities is access to a wider global market, which can open the door for MSMEs to sell their products to customers around the world. In addition, e-commerce platforms also provide opportunities for MSMEs to utilize new technologies such as artificial intelligence and data analytics to improve operational efficiency and decision making.    

The era of digitalization has brought significant changes in various aspects of life, including in security management. The wider application of digital technology requires an adaptive and innovative security approach to deal with evolving threats. In the context of the Unitary State of the Republic of Indonesia (NKRI), the implementation of national values in digital security management is very important. These values include unity, integrity, justice, democracy and diversity, which are the foundations of NKRI. This research aims to analyze the importance of security management in the digitalization era based on the NKRI's national values.The method used in this research is descriptive qualitative, with a literature study approach and document analysis related to digital security policies in Indonesia. The analysis focused on how NKRI national values are implemented in security management strategies and practices to face digital security challenges. The results show that the integration of national values in digital security management plays an important role in strengthening national resilience in the digital space. The implementation of national values helps in building a digital security system that is not only technically robust, but also responsive to Indonesia's social and cultural dynamics. This includes the development of inclusive cybersecurity policies, digital security education for diverse communities, and strengthening collaboration between sectors to strengthen the national digital security ecosystem.

The integration of Sharia principles with Environmental, Social, and Governance (ESG) frameworks presents a unique opportunity to enhance ethical accountability and sustainability in Islamic financial institutions. This study employs an analytical-descriptive research design, utilizing secondary data from annual sustainability reports, Sharia compliance documentation, and regulatory publications, to examine the adoption of ESG principles in the Islamic finance sector. Findings indicate that Islamic banks have achieved high levels of governance (90%) and social (85%) implementation, while environmental initiatives lag (62%), reflecting the need for stronger alignment with the khalifah fil ardh (stewardship of the earth) principle. The research also demonstrates a positive correlation between ESG implementation and investor confidence, with institutions exceeding 80% ESG adoption achieving an Investor Confidence Index of 92 points compared to 65 points among lower-performing banks. Despite conceptual synergy between ESG and Sharia principles centered on justice (adl), social welfare (maslahah), and environmental stewardship (khalifah) practical integration faces challenges including limited green financing instruments, regulatory fragmentation, and insufficient standardized ESG reporting tailored to Islamic finance. To address these issues, the study proposes an integrative ESG Sharia model emphasizing ethical foundations as the core of sustainable practices. Recommendations include developing Maqasid al-Shariah–based ESG indicators, expanding engagement in green financing and renewable energy projects, and adopting digital sustainability reporting. This integrative approach supports both global sustainability goals and the ethical imperatives of Islamic finance, contributing to a value-based, socially responsible, and spiritually aware financial ecosystem.

The digital transformation within the public sector has shifted from an optional advancement to a primary parameter for local government success in managing dynamic metropolitan areas. This research examines the acceleration of Smart Governance in Surabaya through the implementation of the mandatory non-cash parking policy on public roads. Using a qualitative approach with a descriptive-analytical design, the study explores how this transition redefine the relationship between the government, parking attendants, and citizens. Findings indicate that the policy effectively minimizes budget leakage and enhances fiscal transparency. The integration of digital payment systems has transformed traditional parking management into a data-driven service, fostering public trust through accountable financial tracking. Furthermore, the shift from cash to digital transactions has successfully professionalized the role of parking attendants within the urban ecosystem. However, success relies heavily on consistent infrastructure readiness and public literacy. The study concludes that Surabaya's non-cash parking model serves as a vital instrument for strengthening Regional Original Revenue (PAD) while modernizing urban governance. These implications suggest that digital integration is not merely a technical change but a fundamental shift in bureaucratic culture. This model provides a strategic framework for other Indonesian metropolitan cities aiming to implement similar digital-based public service innovations and sustainable smart city governance.