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The use of technology in economic transactions is increasing, one of which is the digital payment system known as the Quick Response Code Indonesian Standard (QRIS). MSME players are not affected by the development of the QRIS digital payment system. However, currently not all MSMEs, especially micro businesses, have knowledge about this. Considering this phenomenon, this service activity was carried out with the aim of providing knowledge about the benefits and working procedures of QRIS in encouraging the efficiency of payment transactions. One of the micro businesses in Ambon city that has not yet used QRIS is Es Kelapa NTB. This business has quite a lot of loyal consumers but has not utilized QRIS technology, which causes a lack of knowledge about QRIS. The method of this activity begins with target identification, socialization about QRIS and monitoring and evaluation. Activities were carried out smoothly, every question about QRIS was answered in detail so as to provide knowledge and understanding of the digital payment system. It is hoped that this activity can make business actors have confidence in the security and convenience that can be provided by the QRIS digital payment system.

The current digitalization era makes people adapt to technological developments, including in terms of payment transactions. Quick Response Code Indonesian Standard (QRIS) has emerged as a practical and simple digital payment solution, but for MSMEs, especially the elderly (4060 years) or the general public, there are still many challenges. This service aims to evaluate the effectiveness of training and community service in increasing the use and understanding of QRIS among elderly MSMEs and the general public in Sukadami Village, South Cikarang District. Through participatory training methods and quantitative approaches, this study measures the impact of the service program on digital literacy and the level of QRIS adoption.

The rapid development of financial technology (fintech) provides innovative solutions to improve efficiency and accessibility in the Islamic finance sector. Islamic finance, based on Islamic principles, faces challenges in financial inclusion, high operational costs, and limited access to financial institutions. This study aims to explore the application of fintech as a solution to these issues. The research method used is literature review and qualitative analysis of various fintech models based on sharia principles, such as peer-to-peer lending, crowdfunding, and digital payments. The results indicate that fintech has significant potential in enhancing operational efficiency and expanding accessibility to sharia-compliant financial services. By utilizing technologies such as mobile applications and blockchain, fintech can reduce transaction costs and offer solutions for underserved communities. However, challenges related to sharia compliance and clear regulations need to be addressed to ensure the successful implementation of fintech in this sector.

This study examines the phenomenon of Central Bank Digital Currency (CBDC) as a technological innovation that changes the landscape of the global monetary system. In the midst of the rapid development of digital technology and cryptocurrencies, central banks in various countries are starting to consider and develop their own digital currencies. This study aims to comprehensively analyze the aspects of CBDC implementation, including its potential benefits, challenges, and impact on financial system stability and monetary policy. Through a descriptive qualitative approach with a literature study method, this study explores various dimensions of CBDC, including technological architecture, implementation models, and its socio-economic implications. The results of the study show that CBDCs have significant potential in improving the efficiency of the payment system, encouraging financial inclusion, and strengthening the transmission of monetary policy. However, its implementation also presents serious challenges related to data privacy, cybersecurity, and the stability of the banking system. This study makes an important contribution to a comprehensive understanding of CBDCs and their implications for the future of the global financial system.

The UMKM digitalization is carried out by utilizing digital technology to expand the marketing of UMKM products through digital marketing. The method used is the observation method by going directly to the UMKM location. The selected UMKMs in this service are UMKM Dua Putra and UMKM Tempe and Soy Milk. After conducting a survey and finding the problems faced by these UMKMs, this service carried out the development of UMKMs by making UMKM product brands and logos, making Google Maps, and making QRIS. The results and benefits obtained from this activity are first, branding UMKM products by giving the name “Tempe Ndeso” and making a logo so that it can increase consumer attractiveness and increase sales. Second, location placement on Google Maps for UMKMs so as to facilitate buyer access and increase visibility. Third, the implementation of the QRIS payment system at the Dua Putra UMKMs for an integrated digital payment system to facilitate transactions and increase payment efficiency.

The manual payment system for Education Development Contributions (SPP) and student savings at SMP Putra Bangsa faces various obstacles, such as recording errors, loss of proof of payment, and difficulty tracking transaction history. This study aims to develop a web-based information system to overcome these problems. The research method involves needs analysis, system design using the Unified Modeling Language (UML), and web-based implementation. The results show that the designed system can simplify the transaction process, improve recording accuracy, and provide transparent access for students, homeroom teachers, and administration. This system is also able to produce real-time financial reports to support management decision making.

The implementation of blockchain technology has brought significant changes in the digital payment system, especially in the Indonesian fintech sector. This study aims to explore the benefits of blockchain in improving the security, efficiency, and transparency of financial transactions, while addressing the challenges faced by the fintech industry in Indonesia. With a qualitative descriptive approach supported by secondary data from industry reports, scientific journals, and case studies, this study shows that blockchain is able to reduce the risk of fraud through sophisticated hashing mechanisms and consensus algorithms. In addition, this technology speeds up the transaction process and reduces operational costs by eliminating the need for intermediaries. Immutable data security and high transparency help build user trust, expand financial inclusion, and create a more efficient fintech ecosystem. This study provides a theoretical and practical basis for the development of blockchain-based innovations in Indonesian fintech, which can contribute to the sustainable growth of the digital economy.

The rapid development of technology has led to innovations in various areas, including mobile payments. Mobile payments are one of the innovations in financial technology designed to facilitate online transactions. In Indonesia, there are numerous mobile payment service providers, making competition increasingly fierce. One of the popular e-wallets in Indonesia is ShopeePay, a service created by Shopee. This study aims to analyze the importance and performance levels of various electronic service quality factors and assess user satisfaction with ShopeePay. This research is a survey-based study with a sample of 100 respondents. The analysis was conducted using Importance Performance Analysis (IPA) and Customer Satisfaction Index (CSI) to measure the importance and performance of each ShopeePay service quality factor and the satisfaction of its users. The results show that out of 24 ShopeePay service quality factors, 13 were considered important by respondents. The average importance rating was 4.07, while the average performance rating was 3.94. This results in a harmony between importance and performance of 97%. The Customer Satisfaction Index (CSI) for ShopeePay services in the Banten area was 78.77%, placing it in the "satisfying" category. This study has several limitations, including its focus on the Banten area, a limited and homogeneous respondent group, potential bias from online surveys, and not accounting for external factors or long-term changes in user perceptions of ShopeePay.

The Segitiga Motor website was developed using the Laravel framework with the SDLC Waterfall model approach to digitize the management of customer data and workshop services. The development process includes stages such as requirements analysis, system design, implementation, testing, and maintenance. Laravel was chosen for its ability to speed up development through reusable components and its organized and flexible structure. The website successfully integrates key features such as online service booking, customer data management, product catalog, and promotions, all effectively. Testing results show that the system works as planned, enhancing operational efficiency and making it easier for customers to access services. For future development, adding features like analytics and integration with digital payment systems could further improve customer experience and satisfaction.    

Financial Technology (FinTech) is an innovation in financial services that uses digital technology to provide easier, more efficient and affordable access. This article discusses the development of FinTech in Indonesia, including its role in increasing financial inclusion, providing digital banking services, electronic payments, and peer-to-peer lending business models. Through literature analysis, this article shows that FinTech has driven significant changes in financial access and interactions, especially for those in remote areas or without access to traditional financial services. Although FinTech offers many advantages, such as efficiency and ease of transactions, challenges such as limited access to technology and security risks still need to be overcome. Adaptive regulations and collaboration with traditional financial institutions are needed to maximize the potential of FinTech in supporting financial inclusion and sustainable economic development in Indonesia.

The financial technology (fintech) industry in Indonesia has grown rapidly in recent years, having a significant impact on financial inclusion in the country. Fintech provides easier and faster access to financial services, especially for segments of society previously marginalized by the traditional banking system. Fintech services such as digital payments, online loans, and technology-based investments have expanded financial reach to communities in remote areas, MSMEs, and individuals with limited access to conventional banking services. However, with the rapid growth of fintech, challenges arise related to regulation and consumer protection. Inadequate regulation can lead to security risks, legal uncertainty, and potential abuse in digital financial services. Therefore, the Indonesian government has implemented various policies to regulate and supervise the fintech industry, such as the establishment of the Financial Services Authority (OJK) and Bank Indonesia (BI) as the main supervisors. This study aims to analyze the impact of fintech developments on financial inclusion in Indonesia and evaluate the effectiveness of existing regulations in protecting consumers and encouraging the growth of the fintech sector. The results of this research show that although fintech has the potential to significantly increase financial inclusion, more comprehensive regulations and strict law enforcement are needed to ensure that the benefits of fintech can be felt evenly and safely by all levels of society.

Analyze the impact of service quality on visitor satisfaction at Taman Impian Jaya Ancol. Using a qualitative method, the research identifies service quality dimensions based on the SERVQUAL model, including reliability, responsiveness, assurance, empathy, and tangibles. The findings reveal that the Tangible dimension contributes the most to visitor satisfaction, while Responsiveness needs improvement. Additionally, the study highlights that technological innovations, such as digital payment systems and tourism apps, enhance visitor experiences. These findings underscore the importance of technology-driven service development in improving customer satisfaction, loyalty, and competitiveness in the tourism industry.

In the current era of information technology, easy and efficient transaction management is an important requirement in the business world, both small and large scale. Rumah Makan Mie Happy is a medium-scale culinary business. Happy Noodle Restaurant provides noodle-based preparations. In its daily life, Happy Noodle Restaurant can serve around 100 consumers, so that the service process requires speed to serve consumers. But in fact, Mie Happy Restaurant still uses manual data processing and transaction management, so it often experiences problems such as slow payment processes, frequent loss of receipts or proof of payment, difficulty in recapitulating or reporting transactions both daily and monthly, and frequent errors in the calculation process. From the problems experienced by Mie Happy Restaurant, the author is interested in developing a web-based cashier application that can help in all matters related to transaction management at Mie Happy Restaurant. The research conducted aims to build or develop a cashier application for Happy Noodle Restaurant that can improve the efficiency and effectiveness of transaction management. This cashier application was built or developed using Hypertext Markup Language (HTML) and Hypertext Preprocessor (PHP) with Visual Studio Code editor and MySQL Database Management System (DBMS). The results of testing with black box testing show that the cashier application developed in functionality has run as expected. This web-based cashier application provides convenience for admins and increases the effectiveness and efficiency of operational activities.

The rapid development of information and communication technology has encouraged companies to switch to digital platforms in managing their sales. One of the most widely used solutions is a web-based sales application, which allows buying and selling transactions to be carried out online, improving operational efficiency, and expanding market reach. In this study, a web-based sales application was designed using a prototype methodology. This methodology was chosen because of its ability to actively involve users in the development process, through an iterative cycle that allows for direct feedback from users to improve and improve the system gradually. The first step in this design is to collect needs from users or stakeholders through interviews and observations. Based on these needs, an initial prototype of the application was built that included key features such as product management, shopping cart, and payment processing. The prototype is then evaluated by the user, and the feedback is used to refine and refine the prototype until the final application is ready for further development. The resulting app has a full range of features that include product management, a secure checkout system, payment method integration, and real-time sales reporting. The prototype methodology allows developers to detect and resolve potential issues from the early stages of development, thereby minimizing the risk of errors in complex feature implementations. Additionally, the active participation of users in the development process ensures that the resulting application is more in line with the needs and expectations of users. The results of this study show that a prototype-based approach can improve the effectiveness and quality of web-based sales applications, as well as maximize user satisfaction. This application is expected to help companies manage sales transactions more efficiently and expand business reach through digital platforms.  

The manual registration information system for incoming students is still commonly used by certain universities and colleges in Indonesia. However, the challenge lies in the fact that many potential students, especially those living outside urban areas, face difficulties with manual procedures and indeed many colleges still need a more efficient and effective information system to facilitate ownership of exam participant cards. The purpose of this study is to design a new student admissions website using PHP and MySQL to facilitate online registrants in ownership of exam participant cards. The methodology used in this study involves a system development research procedure, specifically focusing on creating a web-based system for new student admissions information that can be accessed via a web browser. The system for new student admissions information was developed using the PHP programming language and utilizing the MySQL database as a database server. The results of the design of this new student admissions website show that the newly implemented web-based student admissions system is able to offer convenience to prospective students in accessing broad information about the admissions process, as well as completing registration procedures, making online payments, and issuing exam participant cards. Hopefully this system will continue to be developed and can be applied in every college.

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 digital economy in Indonesia has both positive and negative impacts on the country's development.  The development of the digital economy allows the government or society to become a platform for carrying out various types of economic transactions.  This research was designed to analyze the development of the digital economy and the behavior of social media users in economic transactions. .In this research, descriptive analysis method was used using literature study.  The development of the digital economy in Indonesia not only encourages economic growth, but also changes the way people interact and make transactions. Challenges such as uneven infrastructure and the need for clear regulations still need to be overcome to maximize this potential. The fintech sector is growing rapidly with many companies providing digital payment services, online loans and investments. OJK (Financial Services Authority) is also active in regulating this sector.

The use of QRIS in MSMEs in Yogyakarta has increased and spread to small MSMEs. This makes the development of payment services more advanced and easier. However, there are also quite a few small MSMEs or consumers who still have minimal knowledge about QRIS and how to use it. For this reason, it is necessary to know the extent of knowledge about QRIS and what benefits can be obtained from QRIS. Socialization of QRIS is very helpful in the development of QRIS in the community, especially among MSMEs in Yogyakarta. The purpose of this study is to determine the knowledge and responses of culinary MSME consumers in Yogyakarta about the Quick Response Code Indonesia Standard (QRIS) and its ease of use. In this study, the author used a descriptive quantitative research method with a data collection method using a questionnaire based on the Likert Scale. While the data research process uses descriptive analysis, associative analysis which includes multiple linear regression analysis, correlation coefficient analysis and determination coefficient analysis, and hypothesis testing in the form of simultaneous tests (F Test). Furthermore, describing the results of the analysis using descriptive sentences.

This study aims to analyze the influence of ease of use, advertising, and benefits of digital wallets (e-wallets) on Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector in Sukabumi. Digital wallets have become increasingly popular as a payment tool, particularly in the culinary industry. This research focuses on how these three factors affect the decision of MSME operators to use e-wallets in their business operations. The research method used is quantitative, with data collection techniques through questionnaires distributed to owners and managers of culinary MSMEs in Sukabumi. The data obtained were analyzed using multiple linear regression to determine the influence of each independent variable (ease of use, advertising, and benefits) on the dependent variable (e-wallet usage). The results show that all three independent variables have a significant positive influence on the use of digital wallets among culinary MSMEs in Sukabumi. Ease of use and benefits have a more dominant influence compared to advertising in driving the decision to use e-wallets. This study contributes to the development of digital wallet marketing strategies and provides insights for MSME operators to leverage digital payment technology to improve business efficiency and competitiveness.

Corruption is one of the biggest challenges faced by many countries, including Indonesia. Corrupt practices not only harm the state’s finances but also erode public trust in the government. This study aims to explore how digital technology and public participation can be effectively used to enhance government transparency and accountability in efforts to combat corruption. This research employs a descriptive qualitative method with a literature review and document analysis approach. Data is collected from various relevant literature sources and official documents to analyze the use of digital technology and public participation in enhancing government transparency and accountability in anti-corruption efforts. The results show that digital technologies, such as e-government, e-procurement, blockchain, big data analytics, open data, whistleblowing systems, and digital payment systems, can facilitate broader and faster access to information and increase public participation in government oversight. Public participation, through active involvement in reporting and monitoring, can raise public awareness of corruption issues and strengthen anti-corruption efforts. This study concludes that the combination of digital technology and public participation has great potential to create a more transparent and accountable government. Recommendations include the development of better technological infrastructure, increased digital literacy among the public, and the promotion of public participation in oversight processes. By implementing these strategies, it is hoped that a cleaner and more trustworthy government can be achieved, ultimately improving public welfare.