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Digital transformation in the Islamic banking sector requires innovation that is responsive to user needs. The BYOND by BSI application is a form of digital transformation by Bank Syariah Indonesia in response to these dynamics. This study aims to examine customer acceptance and satisfaction with the use of the BYOND application based on five recent national studies. The research findings indicate that factors such as perceived usefulness, ease of use, trust, and Islamic banking features play a significant role in driving customer usage and loyalty. Challenges include low digital literacy and concerns about security. With a sustainable approach to feature development and digital education, BYOND has great potential to strengthen the digital Islamic banking ecosystem in Indonesia.

This study aims to analyze the factors that influence the acceptance of Shopee e-commerce technology among students with an integrative approach between the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). External constructs such as perceived trust, perceived security, and innovativeness are also included to strengthen the model. This study uses a quantitative approach with a descriptive-verification design and Structural Equation Modeling (SEM) analysis technique. Data were collected through an online questionnaire answered by 135 active Shopee student users. The results of the analysis show that perceived ease of use has a significant effect on perceived usefulness and attitude toward usage, while perceived usefulness also has a significant effect on attitude and intention to use. Social factors such as subjective norms, as well as psychological factors such as trust and security have been shown to have a positive effect on usage intention. However, perceived behavioral control does not have a significant effect. This study provides a theoretical contribution to the modeling of digital technology adoption and has practical implications for e-commerce industry players in developing strategies based on student users.    

Current digital wallet applications offer easy-to-use features, security levels, and trust by their users. The purpose of this study was to determine the effect of perceived ease of use, perceived security, and perceived trust on interest in using the OVO e-wallet application. The population in this study were people who were interested in using the OVO e-wallet application and had never used the OVO e-wallet application before in the Bekasi area. The sample taken in this study was 100 respondents. The sampling technique used was primary data where data collection was obtained by distributing online questionnaires via Google Form to the public. The test tool used was SPSS with analysis stages, namely validity test, reliability test, classical assumption test, multiple linear regression, t-test, f-test, dominant factor, and coefficient of determination (R2). The results of this study indicate that perceived ease of use, security, and trust have a partial effect on interest in use. Perception of ease of use, security, and trust have a simultaneous effect on interest in use of the OVO e-wallet application.  

This study was conducted with the primary objective of examining in depth the influence of lesson venue on parents’ satisfaction in Laman Baru Village. The research focused on comparing two alternative locations that have been options for the community: conducting lessons in residents’ homes on a rotating basis and conducting lessons in the church. Each of these alternatives carries different characteristics in terms of comfort, symbolic meaning, as well as social and religious acceptance within the local community. The research method employed was a descriptive quantitative approach using questionnaires and field observations. Through this method, the researcher was able to obtain empirical data that reflected parents’ perceptions and real experiences regarding lesson venues. The collected data were then analyzed to determine the extent to which location affected satisfaction, comfort, sense of security, and parents’ involvement in supporting their children’s nonformal education activities. The findings revealed that the choice of venue significantly influenced parents’ attitudes and responses. Lessons conducted in residents’ homes were perceived as more inclusive, since they embodied a sense of togetherness and collective participation within the community. Furthermore, this venue was considered symbolically neutral, thus avoiding any impression of favoritism toward a particular religious group. It also opened wider opportunities for parents to be directly involved in supporting their children. On the other hand, lessons held in the church created resistance, particularly among non-Christian parents, who viewed the church as a less neutral venue laden with specific religious meaning. This condition potentially reduced the participation of certain community members and generated discomfort in a multicultural context. Therefore, these findings highlight the importance of considering social, economic, and religious sensitivities in determining the venue of nonformal education, so that the activities carried out can be broadly accepted and bring optimal benefits to the entire community.

The proliferation of network information algorithms (NIAs) in contemporary society has sparked significant ethical concerns regarding their societal impact. This study investigates the influence of NIAs on social interactions, decision-making processes, and the perpetuation of structural biases through a multidisciplinary perspective (Ananny, 2023). The findings reveal that while NIAs enhance operational efficiency across various domains, they also introduce ethical challenges, including privacy infringements, systemic inequities, and algorithmic opacity, which threaten social justice. Employing Ananny’s (2023) conceptual framework—which categorizes NIAs into three dimensions: encounters, observation, and probability/temporality—this research deconstructs the operational mechanisms of these algorithms. The analysis demonstrates that NIAs not only replicate historical biases but also engender new forms of discrimination through ostensibly neutral predictive processes. For example, algorithm-driven recruitment systems may perpetuate gender disparities if their training data reflects prior discriminatory practices (Crawford, 2021). This study underscores the inextricable link between technological ethics and societal context, arguing that an overreliance on algorithmic systems risks undermining human autonomy (Zuboff, 2019). The originality of this research lies in its integration of computational ethics theory with empirical case studies, such as the deployment of NIAs in mass surveillance, where privacy is often compromised in pursuit of perceived security. To ensure academic rigor, the arguments are developed through a critical comparison with prior research (e.g., Mittelstadt et al., 2016), while avoiding redundancy in phrasing or structure. Scholars such as Floridi (2019) emphasize the necessity of algorithmic transparency in regulatory frameworks. However, critics like Noble (2018) argue that technical solutions alone are inadequate; structural reforms in data governance and corporate accountability are essential to mitigate the misuse of NIAs. In response, this study proposes an ethical framework that not only addresses technical risk mitigation but also incorporates civic participation in algorithmic decision-making processes. The ethical implications of NIAs necessitate a holistic approach that integrates principles of data justice, independent algorithmic auditing, and public digital literacy. Future research should explore inclusive models of algorithmic governance, particularly in developing nations where regulatory frameworks often lag behind technological advancements. This study concludes with a reflective inquiry: How can algorithmic accountability be ensured if developers lack transparency regarding data sources and programming logic? By addressing these questions, this research contributes to the ongoing discourse on the ethical governance of NIAs and their societal implications.

This study examines the investment preferences of Generation Z, specifically their inclination toward gold investment. The research is based on secondary data obtained through literature studies focusing on Gen Z's investment behavior. The findings indicate that Gen Z tends to favor gold as an investment option due to several compelling reasons. One of the main motivations is the potential for profit, as gold is considered not only a stable asset but also one that offers promising long-term returns. In addition, gold is perceived as a safe investment amid economic uncertainty. Other influencing factors include: (1) security and stability, (2) ease of access and purchase through digital platforms, (3) long-term investment potential, (4) diversification of investment portfolios, (5) historical value and its role as a symbol of security, (6) easy and flexible transactions, and (7) protection against inflation. These factors highlight the strategic thinking of Gen Z investors who seek both financial security and growth through alternative investment instruments such as gold.

This study aims to test the influence of Perceived Ease and Perceived Security on the Decision of OVO E-Wallet Users. The data collection method uses a survey with an instrument in the form of a questionnaire distributed online. The population used is Active Students of Jakarta State University (D3, D4, S1) with the criteria of Domiciled in Jabodetabek; aged 18 years and over; and have used the OVO E-wallet service as a payment transaction method in the last 2 weeks. This study involved 100 respondents, and the data was analyzed using SPSS Version 29 to manage data and analyze the results of the study using multiple linear regression equations. The results of the study indicate that 1) perceived ease has a positive and significant effect on user decisions, 2) perceived security has a positive and significant effect on user decisions, 3) perceived ease and perceived security simultaneously influence user decisions.

This study examines the factors influencing consumer interest in using the Emaal application at Basmalah Supermarket, Ngempit branch. The research employs a descriptive qualitative approach, involving interviews with active users of the Emaal application. The findings reveal that key drivers include perceived usefulness, ease of use, transaction convenience, and transaction security. Consumers value features such as cashless payments, loyalty rewards, and the ability to track transaction histories. However, barriers such as limited consumer awareness, slow application response times, and competition with conventional payment methods also impact adoption. The study underscores the need for strategic marketing, consumer education, and technological optimization to enhance user adoption rates. These insights provide practical guidance for Basmalah in tailoring its digital marketing strategies to the needs of the Ngempit demographic.

This journal analyzes Russia's security strategy in facing the challenges posed by NATO and Ukraine through the perspective of offensive realism. The main focus of the study is Russia's latest military modernization program in response to the perceived threat of NATO expansion and the ongoing conflict in Ukraine. One of Russia's main concerns is NATO's eastward expansion, which has sparked fears even though Ukraine has not yet joined NATO. Using the theoretical framework of offensive realism, the journal explores how Russia seeks to maximize its relative power in the region and maintain its influence in the former Soviet states. This analysis shows that Russia's security strategy is based on the perception of an existential threat from the West and the desire to restore its status as a great power on the global stage.

Payment system developments brought about by technological advancements to date have resulted in a variety of cashless transactions, including card-based and application-based (server) electronic money. Bank Indonesia launched QRIS (Quick Response Code Indonesian Standard), an application-based non-cash payment system that addresses community demands. Finding out how perceived ease of use and security affect QRIS usage decisions in the Lampung Province Community is the goal of this study. This study is quantitative and employs a survey approach, distributing a questionnaire to 140 Lampung Province residents who have used QRIS to make payments. The study's findings suggest that decisions about usage are significantly influenced by perceivedease of use and security in transactions.

The development of technology has brought many changes, especially in the field of digital technology. One of the innovations of this development is Financial Technology or fintech. Fintech introduced electronic wallets or e-wallets, for example Flip. By using trust as an intervening variable, this study attempts to investigate the influence of perceptions of ease, benefits, and security on the interest in using Flip e-wallets in Kota Bekas. This study provides respondents with an online questionnaire to generate primary data for further analysis. Respondents were selected from a non-probability sampling method with a purposive sampling technique, resulting in 175 respondents with 35 statements. The research findings show that perceptions of ease, benefits, and security influence the interest of Kota Bekas residents in using Flip e-wallets. In addition, the level of trust in Flip e-wallets in Kota Bekas is also influenced by these three factors. Trust acts as an intervening variable to moderate the impact of views of ease of use, benefits, and security on the interest in using Flip e-wallets, where the findings prove that trust influences people's desire to use Flip e-wallets in Kota Bekasi.

This study explores the significant role of digital trust and transparency in fostering customer loyalty in online banking services. As the financial sector increasingly shifts towards digital platforms, understanding the dynamics of customer retention becomes crucial for banking institutions. The research adopts a quantitative approach, using a survey questionnaire distributed to over 200 participants with experience in digital banking services. The findings reveal that both digital trust and transparency are pivotal in shaping customer loyalty. Specifically, digital transparency-in areas such as data security, privacy, and operational clarity-was found to have a stronger correlation with customer retention than trust alone. The study emphasizes that transparency not only boosts customer confidence but also strengthens long-term loyalty by reducing perceived risks and uncertainties. Additionally, the research highlights that customer engagement, driven by transparent communication and reliable services, plays a significant role in mediating the relationship between transparency and loyalty. The study further discusses the implications for banking institutions, suggesting that focusing on transparent practices, clear communication about security measures, and data usage can lead to enhanced customer satisfaction and long-term retention. Future research could investigate the impact of cultural differences on digital trust and transparency in banking, as well as explore the role of emerging technologies like blockchain in furthering transparency and trust in financial transactions.

This study examines the quality of outpatient public services for BPJS Health patients at the Regional General Hospital of Dumai City. The purpose of this research is to assess how service quality is experienced by patients and how effectively outpatient services are delivered. A qualitative descriptive approach was used, with data collected through direct observation, in-depth interviews, and documentation. Informants included outpatient service staff and BPJS patients selected purposively to represent both service providers and service users. The analysis focuses on five dimensions of service quality: physical facilities, service reliability, responsiveness, assurance, and empathy. The results indicate that outpatient services are generally perceived as adequate, particularly in terms of physical facilities, diagnostic accuracy, and staff professionalism. However, delays in registration and service processes remain a major concern, mainly due to high patient volume and administrative procedures. In addition, differences in staff communication and interpersonal attitudes lead to variations in patient experiences. Overall, the study highlights the importance of improving service responsiveness and strengthening empathetic communication to enhance patient satisfaction and the effectiveness of public hospital outpatient services.

This study aims to identify and analyze the effect of using the QRIS payment method on purchasing decisions in terms of three perceptions, namely the perceived effectiveness, convenience, and security of the QRIS payment method. This research uses a casual study methodology, which is a type of research to identify cause-and-effect correlations between two or more variables. In this study, data was collected randomly through questionnaires distributed via whatsapp social media to ITS students. Then, the data from the questionnaire was analyzed using multiple linear regression methods. The results of the analysis of this study indicate that together (simultaneously), the perceived effectiveness, convenience, and security of the QRIS payment method have a significant influence on purchasing decisions for students at the ITS Central Canteen. However, when viewed individually (partially) it is found that only the perception of convenience has a significant effect on purchasing decisions, while perceived effectiveness and perceived security do not have a significant effect on purchasing decisions for students at the ITS Central Canteen.

This research aimed to analyze the effect of perceived usefulness, perceived ease of use, perceived trust, and perceived risk on the use of mobile payments by Telkom University students. The use of mobile payments is a method that can be used as an alternative to cash, checks, credit cards, and debit cards and can create new opportunities for payment methods. The population in this study was all Telkom University students. The sampling technique used is the probability sampling technique. The sample used was 282 respondents. Data was obtained through the distribution of questionnaires through Google Forms. The analytical method uses multiple linear regression analysis using SPSS version 26 software. The results show that perceived usefulness, perceived ease of use, perceived trust, and perceived risk have a positive effect on the use of mobile payments. The results of this study are expected to provide an overview for digital payment service providers to improve service quality in using mobile payments so that they can maintain user consistency, increase security so the user trust does not decrease, and pay attention to risks that may occurarticle.

This research aims to understand the factors influencing demand for tax e-filing. Population as the object of the research is individual taxpayers in the city of Pati. Respondents taken for research through the 318 individual taxpayers. Technique data collection in this research using a questionnaire. The Statistical Package for the Social Science (SPSS) version 26 is used to assist the process of data analysis in this research. The conclusion of this research is that security and privacy has no effect on the use of e-filing, perceived satisfaction has a positive and significant effect on the use of e-filing, experience has a positive and significant effect on the use of e-filing, and knowledge has a positive and significant effect on the use of e-filing.

This study aims to determine the Analysis of the Effect of Customer Trust on the Decision to Use Mobile Banking Through Perceived Risk as an Intervening Variable (Case Study on Mobile Banking Application Users at UIN North Sumatra Students). This study uses a quantitative approach. In this study, a questionnaire was used to collect data, and 100 students at UIN Sumatra Utara were selected as a sample using a purposive sampling method. Data analysis in this research is quantitative data analysis. Statistical tests known as the T-test, F-test, and the coefficient of determination R2 are all components of this analysis, as are the path analysis tests. Based on the research analysis, it can be concluded that customer trust has a positive and significant effect on perceived risk, customer trust has a positive and significant effect on the decision to use, perceived risk has a positive and significant effect on the decision to use, customer trust has a positive and significant effect on the decision to use through perceived risk as intervening variable. This means that a high perceived risk in accordance with customer trust will lead to a high decision to use the mobile banking application. This result is important for Islamic banking to minimize the risks that will be felt. Through breakthroughs to improve the security of the mobile banking system, thereby maintaining customer trust which will have an impact on the decision to use mobile banking services.

Given the wage disparity and perceived injustice experienced by both permanent and contract workers, it is necessary to conduct a study on legal protection regarding wages for the well-being of laborers. Therefore, this research aims to examine the role of labor protection policies, including social security for workers, fair wages, and the protection of labor rights, in promoting labor welfare. This study utilizes a qualitative method, which involves describing data and organizing it into various sentences. Additionally, a descriptive method is employed, where data is derived from words, sentences, images, and information from various books, journals, and other scholarly works that serve as references for labor protection and worker well-being. The findings of the discussion indicate that labor protection in the form of social security, fair wages, and labor rights plays a significant role in improving labor welfare.

This study aims to determine the effect of financial risk, security risk, time and convenience risk and psychological risk on consumer decision behavior to buy online. Questionnaires were distributed to 100 respondents who had purchased online at least twice in the last 3 months. The data analysis technique used is multiple linear regression analysis. The research found that risk is positively related to online consumer buying behavior. Risk or perceived by consumers is an important factor for online purchases. Security risk and financial risk must be low in order to get high and positive online buying behavior from online buying consumers. The smaller the risk the greater the purchase of online purchases. Risk Time and convenience show a positive relationship. The smaller the time risk and the perceived convenience, the greater the consumer's interest in making online purchases. Psychological risk shows a positive relationship to online purchases and shows that the role of the internet is getting bigger

This study aims to analyze the interest of the Semarang city’s community in using GOPAY as a digital payment based on the Technology Acceptance Model (TAM). The TAM approach was chosen because TAM is the most widely used model in predicting the acceptance of information technology and has proven to be a very useful theoretical model in helping to understand and explain user behavior in the implementation of using GOPAY as a digital payment. Nowadays, people who used to use cash payment (cash based) have now started to recognize and use non-cash payments (non-cash) in carrying out various payment transaction activities. One of the non-cash payment instruments that is currently developing is electronic money, one of which is GOPAY. The sample of this study was 100 people in the city of Semarang. The data analysis technique is multiple linear regression. The results of the research are Perceptions of Benefits, Perceptions of Ease, User Attitudes, and Perceptions of Security that have a positive effect on interest in using GOPAY as a digital payment.