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The rapid development of digital technology, especially after the COVID-19 pandemic, has brought changes to people's behavior and lifestyle with the trend of digital payments. One of the advances in digital financial services technology is PayLater, a Fintech innovation that offers easy transactions in the form of loans and installments without a credit card. This study aims to analyze the influence of transaction convenience and risk perception on purchasing decisions using the PayLater feature on e-commerce platforms among Generation Z in Samarinda City. This study uses a quantitative approach with associative methods and multiple linear regression analysis using SPSS 27. The method used is purposive sampling to obtain a sample of 100 respondents from Generation Z in Samarinda City, aged 18-28 years, who have used PayLater on e-commerce platforms. The findings show that transaction convenience (X1) has a positive and significant effect on purchasing decisions, but risk perception (X2) does not have a significant effect on purchasing decisions. At the same time, both variables have a significant effect on purchasing decisions. The findings of this study are expected to provide valuable insights for the PayLater feature to design more effective strategies to improve customer satisfaction and transaction experience.

This study aimed to examine and analyze the influence of lifestyle on investment decisions, the influence of risk perception on investment decisions, as well as the influence of lifestyle and risk perception simultaneously on investment decisions among lecturers of the Faculty of Economics and Business, Nusa Nipa University. The research method employed was quantitative associative with a survey approach. Data were collected through questionnaires distributed to 55 lecturers as respondents. The independent variables in this study were lifestyle (X1) and risk perception (X), while the dependent variable was investment decision (Y). Data analysis used multiple lincar regression with the assistance of SPSS version 23. The results showed that: (1) Lifestyle had a positive and significant effect on investment decisions with a regression coefficient of 1.428 and a significance value of 0.000; (2) Risk perception also had a positive and significant effect on investment decisions with a regression coefficient of 0.199 and a significance value of 0.000; (3) Simultaneously, lifestyle and risk perception had a significant effect on investment decisions with an F-count value of 177.338 and a significance value of 0.000. The coefficient of determination (R) of 0.872 indicated that 87.2% of the variation in investment decisions could be explained by lifestyle and risk perception, while the remaining 12.8% was influenced by other factors beyond this study

This study explores the role of halal certificates in increasing consumer confidence in food industry products in Indonesia. In a Muslim society and a global market that is increasingly aware of religious ethics and values, halal certificates are not only proof of halalness, but also serve as a signal of quality, safety and integrity of the producer. This research uses a qualitative approach through a literature study, by reviewing scientific articles, books, official reports, and relevant documents related to halal and consumer behavior. The results of the analysis show that halal certificates have three main roles: (1) as a credibility signal to reduce information asymmetry between producers and consumers; (2) as an instrument to reduce risk perceptions of ingredients, processes, and production ethics; and (3) as a brand communication medium that builds emotional attachment and social value. Consumers, especially millennials and Gen Z, demand halalness accompanied by transparency and education in the certification process. Halal certificates also strengthen product competitiveness in the global market, reflecting a religious lifestyle while being modern and sustainable. Therefore, industry players need to make halal certification a comprehensive brand strategy, while regulators such as BPJPH must continue to improve the transparency and effectiveness of the system.