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The study aims to analyze the influence of consumption behavior, projected through cultural, social, personal, and psychological factors, through Generation Z's decision to use the Quick Response Code Indonesian Standard (QRIS). The focus subjects were taken from undergraduate students of Economics at Surabaya State University from 2021 to 2024 who are active users of QRIS. Using an associative quantitative approach using primary data to be collected using an online questionnaire distribution. The data analysis technique applied Structural Equation Modeling–Partial Least Square (SEM-PLS) using SmartPLS 4 software. The results of the study showed that four factors of consumption behavior, namely cultural factors, social factors, personal factors, and psychological factors, have a positive and significant impact on students' decisions to use QRIS. Evaluation of the F-square value F2 shows that psychological factors (internal motivation, perceived ease, security, and trust) are the most dominant predictors with the largest effect value of 0.434 in influencing the decision to adopt this digital payment system technology. These findings indicate that a combination of students' internal motivation, the digital culture inherent in the campus environment, and the demands of practicality in Generation Z's lifestyle strengthen the decision to use QRIS in daily economic activities.  

This study aims to analyze the effect of Perceived Organizational Support (POS) and Work Engagement on employee performance with organizational commitment as a mediating variable at SMEs in Kasongan, Bantul, Yogyakarta. This research was motivated by the importance of improving employee performance in the SME sector, which still faces various challenges, such as low employee engagement, suboptimal organizational support, and weak organizational commitment. This study employed a quantitative approach using a survey method. The population of this research consisted of employees working in SMEs in Kasongan, Bantul, Yogyakarta. The sampling technique used was purposive sampling with a total of 150 respondents. Data were collected through questionnaires using a Likert scale. The data analysis method used was Structural Equation Modeling based on Partial Least Square (SEM-PLS). The results showed that Perceived Organizational Support had a positive and significant effect on employee performance. However, Work Engagement did not have a significant direct effect on employee performance. In addition, Perceived Organizational Support and Work Engagement were found to have a positive and significant effect on organizational commitment. Organizational commitment also had a positive and significant effect on employee performance. The mediation test results indicated that organizational commitment partially mediated the effect of Perceived Organizational Support on employee performance and fully mediated (full mediation) the effect of Work Engagement on employee performance. This study implies that improving organizational support and strengthening organizational commitment are important strategies for enhancing employee performance in the SME sector, particularly in SMEs in Kasongan.

The growth of digital banking services has inspired banks in Indonesia to provide a package of services not limited to financial transaction purposes but also lifestyle commerce and shopping. Yet, it is observed that the use of the Livin’ Sukha service in the Livin’ by Mandiri app is quite low compared to other digital banking services. Therefore, this study will examine the effect of perceived benefits, perceived risk, and perceived trust on customers' willingness to use Livin’ Sukha services for shopping activities at Alfamart. For this purpose, a quantitative research design was applied by utilizing a survey research methodology with a sample of 200 users of Livin’ by Mandiri, selected using purposive sampling technique. The data were gathered by distributing online surveys and analyzed using Structural Equation Modeling based on Partial Least Square. It was discovered that there is a positive relationship between perceived benefits and perceived trust and perceived benefits and willingness to use; meanwhile, perceived risk showed negative relationships with perceived trust and willingness to use. Furthermore, perceived trust has positive relationships with customers' willingness to use Livin’ Sukha services. Besides, it has been revealed that household shopping activities have good potential to increase customers' engagement and transactions  

Problem-solving ability is an essential skill that students need to meet the demands of both academic learning and the workforce in the 21st century. This study aims to analyze the influence of self-efficacy and interpersonal communication on the problem-solving ability of eleventh-grade students at SMKN 31 Jakarta, both partially and simultaneously. A quantitative approach was employed, with data collected through a Likert scale questionnaire. Samples were drawn using a probability sampling technique with a proportional random sampling approach. Data analysis was conducted using Structural Equation Modeling (SEM) based on Partial Least Squares (SmartPLS 4.0). The results indicate that self-efficacy has a positive and significant effect on problem-solving, with a path coefficient of 0.455, a t-statistic of 7.843, and a p-value of 0.000. Similarly, interpersonal communication has a positive and significant effect on problem-solving, with a path coefficient of 0.447, a t-statistic of 7.501, and a p-value of 0.000. Taken together, self-efficacy and interpersonal communication account for the variance in problem-solving with an R-square value of 0.416, indicating that both independent variables explain 41.6% of the variation in problem-solving ability. These findings suggest that self-efficacy and interpersonal communication play a significant role in enhancing students' problem-solving ability.

This study aims to determine the effect of digital literacy and peer conformity on the critical thinking of grade X students at SMKN 31 Jakarta. The study used a quantitative method with a survey approach. The study population was 217 students, while the research sample was 141 respondents obtained using the Slovin formula. The data collection technique was carried out by distributing questionnaires using a Likert scale. Data were analyzed using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method with the help of the SmartPLS application. The results showed that digital literacy had a positive and significant effect on students' critical thinking. This was evidenced by the path coefficient value of 0.436, the T-statistic value of 6.988, and the P-value of 0.000. Peer conformity also had a positive and significant effect on students' critical thinking with a path coefficient value of 0.447, the T-statistic value of 7.290, and the P-value of 0.000. Furthermore, the R-square test results obtained a value of 0.445, indicating that digital literacy and peer conformity variables were able to explain 44.5% of the critical thinking variable, while the remaining 55.5% was influenced by other factors outside the study. Based on these results, it can be concluded that digital literacy and peer conformity have a positive and significant influence on the critical thinking of 10th-grade students at SMKN 31 Jakarta.

This study aims to analyze the strategic role of relationship marketing in sustaining long-term customer value among customers in Yogyakarta. A quantitative approach with an explanatory research design was employed. Primary data were collected through questionnaires distributed to 160 respondents selected using purposive sampling. Respondents were at least 17 years old, had purchased or used the company’s products or services at least twice within the last six months, and had experience interacting with the company through direct or digital channels. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that relationship marketing has a positive and significant effect on customer trust and customer satisfaction, both of which positively influence customer loyalty. Customer loyalty, in turn, significantly affects long-term customer value. Relationship marketing also directly influences long-term customer value, although indirect effects through trust, satisfaction, and loyalty provide stronger explanations. These findings confirm that relationship marketing is a strategic approach for building valuable long-term relationships. The study contributes to relationship marketing, commitment-trust, and customer value theories while providing managerial implications for sustaining business performance in competitive markets.  

This study aims to analyze the influence of electronic word of mouth (E-WOM) on purchase intention of iPhone brand smartphone through brand image as a mediating variable in Management students of Makassar State University. This study is motivated by the rapid development of digital technology and the increasing use of social media as a source of information that influences consumer perceptions and purchasing decisions, especially among students. The phenomenon of the rise of online product reviews, comments, and recommendations makes E-WOM an important factor in shaping brand image and driving consumer purchase intention. This study uses a quantitative explanatory approach survey method with purposive sampling technique, then analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the help of SmartPLS. The results show that electronic word of mouth (E-WOM) has a positive and significant effect on purchase intention and brand image, brand image also has a positive and significant effect on purchase intention, and is able to significantly mediate the relationship between E-WOM and purchase intention of iPhone brand smartphone. These findings indicate that the better the quality of information and reviews conveyed through E-WOM, the stronger the brand image formed and the higher the consumer's purchase intention.

This study investigates the determinants of investment decision-making among the millennial generation in the Indonesian capital market, with a focus on the interaction effects between financial literacy, overconfidence bias, and risk tolerance. Using a quantitative survey approach, data were collected from 320 millennial investors aged 23-40 years who actively participate in the Indonesia Stock Exchange (IDX). Structural Equation Modeling (SEM) was employed to test the proposed hypotheses. The results demonstrate that financial literacy exerts a significant positive effect on investment decisions, while overconfidence bias moderates this relationship by amplifying the tendency to make high-risk investment choices. Risk tolerance was found to play a significant mediating role between financial literacy and actual investment behavior. The interaction effect between overconfidence and risk tolerance reveals that highly overconfident investors with elevated risk tolerance are disproportionately more likely to engage in speculative investment activities. These findings offer practical implications for financial education institutions, capital market regulators, and investment platforms targeting the millennial demographic in Indonesia.

This study aims to examine the influence of Glad2Glow product quality on consumer trust and purchasing decisions for Glad2Glow skincare products through the online platform TikTok Shop in Tasikmalaya Regency. The research employed a quantitative approach using a survey method involving 60 respondents who had previously purchased Glad2Glow skincare products. Data were collected through a questionnaire based on a Likert scale ranging from 1 to 5. The collected data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) technique with the SmartPLS application. The results indicate that product quality is the strongest factor influencing consumer trust, with a path coefficient of 0.737 (T = 9.938; P = 0.000). Product quality also has a significant effect on purchasing decisions, with a coefficient of 0.505 (T = 6.129; P = 0.000). These findings demonstrate that better product quality increases consumer confidence in the product and encourages stronger purchasing decisions. The study highlights the importance of maintaining product quality as a strategic factor in building consumer trust and improving purchasing behavior in a social commerce environment. Therefore, businesses operating through digital platforms such as TikTok Shop should prioritize product quality to strengthen customer relationships and enhance market competitiveness.

The rapid development of artificial intelligence (AI) technology and personalization algorithms has fundamentally transformed the landscape of e-commerce and digital retail, particularly influencing the shopping behavior of female consumers. This study examines the utilization of AI-driven personalization algorithms and their impact on the research shopping phenomenon among female consumers in the digital era. Research shopping, defined as the behavior of searching for product information online while making the final purchase decision offline or across multiple platforms, has become increasingly prevalent as digital touchpoints multiply. This research employs a quantitative approach with a survey method involving 250 female respondents aged 18–45 who actively use e-commerce platforms in Indonesia. Data were collected using structured questionnaires and analyzed using Structural Equation Modeling (SEM). The findings reveal that AI personalization algorithms significantly influence female consumer decision-making processes, fostering research shopping tendencies through targeted recommendations, dynamic pricing, and adaptive content delivery. Furthermore, the study identifies trust, perceived usefulness, and digital literacy as key mediating variables between AI technology utilization and research shopping behavior. These results contribute to the growing body of literature on AI-driven consumer behavior and offer practical implications for digital marketers and e-commerce platform developers seeking to optimize user experience for female consumers.

This research explores the relationship between work-life balance, academic stress, and students’ academic performance by examining the mediating role of self-efficacy. The study is based on Social Cognitive Theory, which explains that self-efficacy plays an essential role in influencing individual behavior and achievement. A quantitative explanatory survey method was applied, involving undergraduate and postgraduate students from the Faculty of Economics, Universitas Negeri Jakarta, as research participants. Data collection was conducted using online questionnaires, while the analysis employed the Partial Least Squares–Structural Equation Modeling (PLS-SEM) technique. The results demonstrate that work-life balance is positively associated with academic performance, although the relationship is not statistically significant. Meanwhile, academic stress has a negative but insignificant effect on academic performance. The findings also show that work-life balance significantly enhances students’ self-efficacy, whereas academic stress significantly decreases self-efficacy levels. Furthermore, self-efficacy has a significant positive impact on students’ academic performance. However, the mediation test indicates that self-efficacy does not significantly mediate the relationship between work-life balance, academic stress, and academic performance. In general, the study underlines the importance of self-efficacy in supporting academic achievement among students. Therefore, universities are expected to promote programs focused on strengthening self-efficacy, improving stress management, and maintaining a healthy balance between academic responsibilities and personal life to support sustainable academic success.

The integration of educational technology has become increasingly important in supporting effective learning processes. Google Drive is one of the widely used cloud platforms for online storage, access, and collaboration in educational activities. This study aims to examine the factors influencing vocational school students’ perceived ease of use (PEoU) of Google Drive as a learning support tool. The research model was adapted from the Technology Acceptance Model (TAM) by incorporating external variables, including Computer Self-Efficacy (CSE), Perceived Enjoyment (PE), Perceptions of External Control (PEC), Technological Complexity (TC), and Facilitating Conditions (FC). Data were collected from 274 students at a public vocational school in Central Java using an online questionnaire. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS. The findings reveal that Computer Self-Efficacy, Perceived Enjoyment, and Perceptions of External Control significantly influence students’ perceived ease of use of Google Drive. In contrast, Technological Complexity and Facilitating Conditions do not significantly affect perceived ease of use. These findings highlight the importance of internal user perceptions in supporting educational technology adoption among vocational school students.

This study is driven by digital transformation and the rapid growth of financial technology, which have increased customer expectations and intensified competition in the banking industry, making customer loyalty more difficult to maintain. Therefore, relationship quality and customer intimacy are considered crucial in building trust as the foundation of customer loyalty. This study examines the effects of relationship quality and customer intimacy on customer loyalty, with trust as a mediating variable among commercial bank customers in Surabaya and its surrounding areas. A quantitative approach with an explanatory research design was employed, involving 150 respondents who were selected through purposive sampling. Data were collected through questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) implemented in SmartPLS 4.0. The results show that relationship quality and customer intimacy have positive and significant effects on both trust and customer loyalty, while trust also exerts a significant effect on customer loyalty. Furthermore, trust partially mediates the relationship between relationship quality and customer loyalty, but does not mediate the relationship between customer intimacy and customer loyalty. These findings suggest that customer loyalty is shaped through both a trust-based (cognitive) pathway and an emotional closeness pathway. Therefore, banks should strengthen relationship quality and enhance personalized services to foster stronger customer loyalty.

Tujuan dari penelitian ini adalah untuk mengevaluasi bagaimana penerapan Standar Akuntansi Pemerintahan (SAP) memengaruhi kualitas laporan keuangan pemerintah daerah. Selain itu, penelitian ini juga menyelidiki peran Sistem Informasi Pemerintahan Daerah (SIPD) sebagai faktor moderasi. Dengan menggunakan teknik purposive sampling, penelitian kuantitatif ini mengumpulkan 31 responden dari Organisasi Perangkat Daerah (OPD) di bawah pemerintah Kota Medan. Data yang digunakan berasal dari data awal yang dikumpulkan melalui kuesioner. Structural Equation Modeling berbasis Partial Least Square (SEM-PLS), yang dibantu oleh SmartPLS, digunakan untuk melakukan analisis data. Hasil penelitian menunjukkan bahwa penggunaan SAP berdampak positif dan signifikan terhadap kualitas laporan keuangan pemerintah daerah, tetapi SIPD tidak dapat mengontrol hubungan antara penggunaan SAP dan kualitas laporan keuangan. Studi ini meningkatkan penelitian teori institusional, terutama tentang bagaimana tekanan regulasi dan normatif membantu meningkatkan kualitas pelaporan keuangan sektor publik dengan menerapkan standar akuntansi. Penelitian ini memiliki manfaat bagi pemerintah daerah untuk meningkatkan konsistensi penerapan SAP dan mengoptimalkan SIPD melalui peningkatan kemampuan sumber daya manusia dan dukungan teknologi informasi. Penelitian ini terbatas pada jumlah sampel yang relatif kecil serta ruang lingkup yang hanya mencakup OPD di satu daerah, sehingga hasil penelitian belum dapat digeneralisasi secara luas.

This study aims to examine the effect of Employee Digital Wellness (EDW) on Work Engagement (WE) among administration and digital marketing employees in startup companies implementing hybrid working, and to explore the moderating role of Organizational Support for Wellbeing (OSW). Using a quantitative approach, data were collected through a 5-point Likert scale questionnaire from 160 purposive-sampled respondents. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4.1.1.7. The findings indicate that EDW positively and significantly affects WE (β=0.621; t=8.943; p<0.001), confirming that employees who manage digital technology usage effectively tend to be more energetic, dedicated, and fully engaged in their work. In addition, OSW also positively influences WE (β=0.412; t=5.672; p<0.001), demonstrating that tangible organizational support in the form of wellbeing policies, flexible work arrangements, and mental health programs enhances work engagement. Moreover, OSW moderates the EDW → WE relationship (β=0.173; t=2.713; p=0.007), indicating that the positive effect of digital wellness on engagement is stronger when organizational support is sufficient. These findings highlight the importance of both personal management of digital wellness and consistent organizational wellbeing policies. Practically, organizations are advised to provide digital wellbeing programs, flexible working arrangements, and managerial support to maximize employee engagement, particularly in hybrid working contexts.

The growth of e-commerce has made online marketplaces a major channel for purchasing fashion products, yet it has also increased consumer concerns about counterfeit goods, especially in shoes and sneakers. This study examines the role of Shopee Mall Signal Perception in increasing Purchase Intention for original shoes among Gen Z consumers by considering the mediating roles of Perceived Shopping Security and Decision Convenience. A quantitative explanatory approach was used, involving 239 Gen Z Shopee users in Indonesia selected through purposive sampling. Data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling with SmartPLS. The findings show that Shopee Mall Signal Perception positively affects Perceived Shopping Security (β = 0.430), Perceived Shopping Security improves Decision Convenience (β = 0.399), and Decision Convenience increases Purchase Intention (β = 0.359). Shopee Mall Signal Perception also has a direct effect on Purchase Intention (β = 0.182), while the serial mediation effect through Perceived Shopping Security and Decision Convenience is significant (β = 0.062). These findings imply that marketplace labels can function as authenticity signals that reduce uncertainty, simplify consumer decisions, and strengthen confidence in purchasing original products online.

This study aims to analyze the effect of personalized marketing on customer satisfaction and customer retention, as well as to explain the role of customer satisfaction as a mechanism linking marketing personalization to customers’ decision to remain with a brand. The background of this study is based on the increasing use of data-driven marketing strategies, product recommendations, personalized promotions, and digital communication tailored to customer preferences. In an increasingly competitive business environment, companies are required not only to attract new customers but also to retain existing customers through relevant, convenient, and valuable experiences. This study employed a quantitative explanatory approach, with the population consisting of customers who had received personalized marketing from a particular company or brand. The sampling technique used was purposive sampling, with the criteria that respondents had received personalized promotions and had made repeat purchases. The total sample consisted of 110 respondents. Data were collected using a structured questionnaire with a five-point Likert scale and analyzed using Partial Least Squares Structural Equation Modeling. The findings show that personalized marketing has a positive and significant effect on customer satisfaction. This indicates that promotions, recommendations, and marketing messages that are relevant to customer needs can create more positive customer experiences. Customer satisfaction is also found to have a positive and significant effect on customer retention, meaning that satisfied customers are more likely to make repeat purchases, continue using products or services, and avoid switching to competitors. In addition, personalized marketing has a direct effect on customer retention, although its effect becomes stronger when mediated by customer satisfaction. The implications of this study emphasize that companies need to develop personalization strategies that are not only data-driven but also relevant, ethical, non-intrusive, and oriented toward customer value. Therefore, personalized marketing can serve as an important strategy for improving customer satisfaction and maintaining long-term customer retention.

This study aims to analyze the role of online sales in maintaining the financial stability of Micro, Small, and Medium Enterprises (MSMEs) in West Sumatra, Indonesia. The increasing adoption of digital channels, such as marketplaces, social media, messaging applications, live selling, and digital payment systems, has transformed online sales into not only marketing tools but also mechanisms that may affect cash flow continuity and business sustainability. Despite their growing importance, empirical evidence regarding the contribution of online sales to MSME financial stability remains limited. This study employs a quantitative explanatory research design. The population consists of MSME owners in West Sumatra who utilize online sales, while purposive sampling was used to select respondents who had engaged in online selling for at least one year and maintained cash flow records. Data were collected from 102 respondents through a structured questionnaire using a five-point Likert scale and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The findings reveal that online sales have a positive and significant effect on financial stability, with a path coefficient of 0.632, a t-value of 9.214, and a p-value below 0.001. These results indicate that effective use of online sales enhances cash flow continuity, income regularity, working capital adequacy, and financial resilience. However, the benefits depend on disciplined management of digital costs, discounts, platform fees, shipping expenses, product returns, and cash flow records. This study contributes to MSME digitalization literature by highlighting online sales as a strategic instrument for strengthening financial stability rather than merely a marketing channel.

This study examines the effect of digital banking transformation on financial inclusion in emerging economies, using Indonesia as a case study. Digital banking transformation refers to the technological development of banking services, including accessibility, transaction speed, system security, service integration, and the availability of user-relevant financial features. Financial inclusion is defined as individuals’ ability to access, use, and benefit from formal financial services in an easy, secure, affordable, and sustainable way. This research employs a quantitative explanatory design. Data were collected through structured questionnaires distributed to users of mobile banking, internet banking, digital bank applications, and digital payment services in Indonesia. Respondents were selected using purposive sampling with criteria of being at least 17 years old, residing in Indonesia, and having used digital banking services within the last six months. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that digital banking transformation has a positive and significant effect on financial inclusion, with a path coefficient of 0.684, a t-value of 14.276, and a p-value of 0.000. The R-square value of 0.468 shows that 46.8% of the variance in financial inclusion is explained by digital banking transformation. These findings suggest that digital banking expands access to financial services, increases usage of formal financial products, and reduces barriers related to distance and cost. However, its effectiveness still depends on digital literacy, security, trust, infrastructure, and consumer protection. The study implies that banks and regulators should strengthen inclusive, secure, and affordable digital financial services for underserved communities.

This research aims to analyze and develop a competency model for the Indonesian Navy Technical Officers thru the education of Naval Academy Cadets (AAL) in supporting the operational readiness of main weapon system equipment (alutsista) in the naval domain. The research uses a mixed methods approach with a Sequential Exploratory design, starting with qualitative studies thru interviews, observations, documentation studies, and Focus Group Discussions (FGD), followed by quantitative testing using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The research results show that the education curriculum, teaching quality, mentoring system, field practice, and mastery of weapon system technology have a positive and significant impact on the development of the competencies of the Indonesian Navy Technical Officers. The most dominant factor is the mastery of weapon system technology, followed by field practice and the education curriculum. This research resulted in the Integrated Naval Technical Officer Competency Development (INTOCD) Model, which integrates a competency-based curriculum, academic learning, technical training, field practice, technology mastery, as well as character and leadership development. The model is expected to serve as a reference in the development of the competencies of the Indonesian Navy Technical Officers to enhance personnel professionalism and support the operational readiness of naval defense equipment sustainably.