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This study was conducted to systematically explore the influence of the level of ease of transactions and the quality of e-commerce services on the process of determining consumer purchasing decisions in Batam City. The research framework was built with a descriptive-oriented quantitative approach through the involvement of 100 respondents who actively utilize digital transaction services, which were determined using a purposive sampling technique based on the Lemeshow formulation to ensure the adequacy and representativeness of the sample. Empirical data were collected through a structured questionnaire and then processed using statistical analysis stages that included testing the validity and reliability of the instrument, evaluation of classical assumptions, multiple linear regression modeling, and verification of hypotheses through t-tests and F-tests. The results of data processing revealed that the variable of ease of transactions contributed 18.8% to purchasing decisions, while service quality contributed an influence of 63.5%. The coefficient of determination (R²) reaching 73.3% indicates that both independent variables simultaneously have substantial explanatory power towards variations in consumer purchasing behavior. Both partial and simultaneous testing confirmed a significant influence, thus confirming that simplifying transaction mechanisms and strengthening digital service quality are strategic determinants in driving e-commerce consumer purchasing decisions in Batam City.

The development of digital technology has significantly transformed consumer purchasing behavior in recent years. Shopping activities that were previously conducted in person have now shifted to e-commerce and social commerce platforms that offer greater convenience, speed, accessibility, and a variety of attractive promotions. Two platforms experiencing rapid growth in Indonesia are Shopee and TikTok Shop, both of which have gained popularity among diverse consumer segments. These platforms not only offer a wide range of products but also provide interactive shopping experiences through features such as promotions, live shopping, consumer reviews, personalized recommendations, and ease of transactions. This situation has led to notable changes in consumers' purchasing decision-making processes and preferences. Factors such as app usability, promotional strategies, consumer trust, social media influence, user engagement, and evolving digital lifestyles are becoming increasingly dominant in determining purchasing decisions. Therefore, this study aims to analyze the key factors influencing consumer purchasing decisions on the Shopee and TikTok Shop platforms in the digital era, as well as to provide deeper insights into consumer behavior in an increasingly digital marketplace.

This study aims to analyze the SWOT of the application of the Quick Response Indonesian Standard (QRIS) in deepening the understanding of financial management in micro business actors in the food sector in Tropodo, Sidoarjo. The method used is qualitative descriptive with case studies, through in-depth interviews with five business actors who have adopted QRIS. The data was analyzed using source triangulation to ensure the validity of the findings. The results of the study show that QRIS provides strength in the form of ease of transactions, automatic recording, cash flow transparency, and increased consumer competitiveness. Weaknesses that arise include delays in disbursement of funds, deduction fees, mixing business funds with personal funds, and lack of understanding of advanced features. From the external side, opportunities are reflected in the trend of cashless society, digital financial literacy, integration with supporting applications, and the expansion of the cashless payment ecosystem. Meanwhile, threats include network disruptions, security risks, reliance on service providers, and potential data leaks. Overall, QRIS not only acts as a means of payment, but also as a strategic instrument for MSME financial governance. Therefore, it is important to increase financial literacy and infrastructure support so that the benefits of QRIS can be optimized.

The utilization of Quick Response Code Indonesian Standard (QRIS) by Micro, Small, and Medium Enterprises (MSMEs) in Indonesia has an important role in encouraging digitalization of transactions and improving financial recording and reporting. The background of this study is the need for MSMEs to adapt to the development of digital payment technology, especially in the midst of accelerated digitization triggered by the COVID-19 pandemic. Although QRIS provides various benefits, such as ease of transactions and automatic recording, there are still a number of obstacles such as limited digital literacy, uneven infrastructure, and concerns related to cybersecurity, especially in remote areas. This study uses a qualitative method with a case study approach to SMEs that have adopted QRIS in several regions in Indonesia. Data were collected through field observations, and documentation studies related to the use of QRIS in business activities. Data analysis was conducted thematically to explore in-depth understanding of the experiences, challenges, and benefits felt by MSME actors in the use of QRIS. The results showed that QRIS makes it easier for MSMEs to process payments and automatic digital transaction recording, thereby increasing the accuracy and transparency of financial statements. However, limited access to electricity, digital devices, and digital security literacy are significant barriers to optimal implementation of QRIS. The security aspect of digital transactions is an important concern for MSMEs, who need further education and technical support. Thus, strengthening digital literacy, improving infrastructure, and strict cybersecurity regulations are urgently needed to encourage wider and inclusive adoption of QRIS among MSMEs in Indonesia.

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.

This research aims to determine the influence of features, product variations and ease of transactions on mobile banking user satisfaction at sharia banking financial institutions in Jambi City. This research used a quantitative approach which was carried out by distributing questionnaires to 112 Mobile Banking users in Jambi City. The methods used in this research are instrument tests (validity and reliability tests), classical assumption tests (normality, multicollinearity and heteroscedasticity tests) and multiple liner analysis along with statistical tests (t test, F test and R2 Determination Coefficient). The results of this research show that features have a positive and significant effect on user satisfaction which can be determined using the t test with a significance value of 0.001 < 0.05 and a value of tcount > ttable, namely 3.426 > 0.198217. Product variations have a positive and significant effect on user satisfaction as evidenced by the significance value of 0.001 < 0.05 and the tcount > ttable value, namely 3.577 > 0.198217. ease of transactions has a positive and significant effect on user satisfaction which can be seen with a significance value of 0.001 < 0.05 and a value of tcount > ttable, namely 3.385 > 0.198217. Simultaneously, features, product variations and ease of transactions have a positive and significant effect on mobile banking user satisfaction at sharia banking financial institutions which can be seen from the F test, namely fcount > ftable or 40.058 > 2.69 and the resulting significance value is 0.000 < 0.005. The determinant coefficient value is 0.514 or 51.4% and the remaining 0.486 or 48.6% can be explained by other variables outside this research.    

The Jakarta Integrated Moda Raya Raya train (MRT), is one of the transportation options for the people of Jakarta in their activities. Inaugurated on March 24, 2019, several problems were complained about by passengers, namely regarding the perception of ease of transactions and customer value. Satisfaction with Perceived Ease of Transaction such as easy to learn, easy to use, clear, easy to understand, skillful, and easy to use. Satisfaction with Customer Value paid is due to added value, suitability of costs with benefits, ease of obtaining services. This research is intended for Jakarta MRT customers to have significant simultaneous satisfaction for using the Jakarta Integrated Moda Raya Train (MRT) according to Ticket Prices, Facilities and Perceptions of Ease of Transaction. Satisfaction of passengers of the Jakarta Integrated Moda Raya Train (MRT) on Perceptions of Transaction Ease and Customer Value which are jointly perceived, namely punctuality satisfaction, facility completeness satisfaction, price suitability satisfaction, departure schedule satisfaction, and function and facility satisfaction. This research was also conducted to find out how the quality of service or service, the perception of the price of MRT transportation services, and how the facilities on the MRT. Whether and how important service quality plays a role in the level of satisfaction of MRT passengers. The research method used in this research is descriptive research which is one type of quantitative research approach. This study uses a questionnaire distribution of questionnaires to 20 users or who have used MRT transportation services. In the questionnaire we provide choices about the quality of station facilities, train units, service quality, timeliness of departure, and how the fare is adjusted for MRT transportation services. In the study we found that service quality plays a very important role in the level of satisfaction of MRT passengers.

In this digital era, business competition is increasingly competitive. A business is required to conduct continuous evaluation. In today's business world, e-commerce is a necessity to increase business competition and product sales. In the use of e-commerce, buying and selling and marketing activities will be easier and more efficient where consumers will find it easier to buy and sell the desired goods without having to leave the house so as to show the ease of transactions, reduce costs and speed up the transaction process. This study aims to create a Blogspot-Based E-Commerce Web Design as a Promotional Media for Kendal Hijab Blessing Boutique. It is hoped that the design and development of an e-commerce blog can help business actors to market their products more broadly so that they can increase sales and make it easier for consumers to transact, especially at the Kendal Hijab Berkah Boutique.