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This study examines the influence of financial literacy, Fear of Missing Out (FOMO), and influencer marketing on Generation Z's decision to use Buy Now Pay Later (BNPL) services in Dompu Regency. The rapid development of financial technology has encouraged the widespread adoption of BNPL as an alternative digital payment method, particularly among young consumers. However, the increasing use of this service also raises concerns regarding financial decision-making and consumer behavior. This research employed a quantitative approach using a survey method involving 100 Generation Z respondents selected through purposive sampling. Data were collected using a structured questionnaire with a five-point Likert scale and analyzed using multiple linear regression. The findings indicate that financial literacy has a positive and significant effect on BNPL usage decisions. Likewise, FOMO significantly influences individuals' decisions to utilize BNPL services, while influencer marketing also demonstrates a positive and significant contribution to users' decisions. Simultaneously, the three independent variables significantly affect BNPL usage decisions, explaining 27% of the variance in the dependent variable. These findings suggest that financial knowledge, psychological factors, and social influence collectively shape Generation Z's financial behavior. Therefore, strengthening financial literacy and promoting responsible use of digital financial services are essential to encourage more informed and sustainable financial decision-making.

Digital transformation in public services has encouraged government institutions to develop technology-based services, including the Online Police Record Certificate (SKCK) service at Kupang City Regional Police Resort. This study aims to analyze the effectiveness of the Online SKCK service as an administrative requirement at the Kupang City Regional Police Resort. The research employed a qualitative approach with a descriptive method. Data were collected through observation, interviews, and document analysis involving service officers and users of the Online SKCK service. Data were analyzed using an interactive model consisting of data reduction, data display, and conclusion drawing. The findings indicate that the Online SKCK service has improved accessibility, service efficiency, and transparency through the implementation of the PRESISI POLRI application. Based on the effectiveness indicators, namely program understanding, target accuracy, timeliness, goal achievement, and real change, the service can be categorized as moderately effective. Target accuracy and real change emerged as the strongest indicators, while program understanding and timeliness still face several challenges, including limited digital literacy among users, application system disruptions, and data verification issues. Nevertheless, the Online SKCK service has provided significant benefits in supporting the modernization of public services. The study concludes that improving system quality, strengthening public outreach, and developing a more integrated service system are necessary to optimize the effectiveness of the Online SKCK service at the Kupang City Regional Police Resort.

The advancement of technology and information, which coincides with digitalization alongside the development of Artificial Intelligence (AI), has colored human social life around the world. Currently, cadets of the Naval Academy often use gadgets/digital tools to access information or other media. With this, there are emerging threats that are very dangerous for individuals and the state. An currently prevalent case is Cyber Crime Identity Theft. Cyber crime identity theft refers to the crime of stealing someone's personal information online for the purpose of fraud or financial gain by stealing personal data such as names, identity numbers, and financial information, to carry out illegal transactions or obtain illegal benefits, which can lead to financial loss and damage the victim's reputation. Indonesia still has a very high number of cases of cyber crime identity theft, but it should be preventable by fostering. the cyber security awareness of cadets at the Naval Academy of the Indonesian National Armed Forces. The conclusion of this research is that by strengthening modern technological infrastructure, both equipment and administrative services, developing modern software and hardware with strong security systems, and tightening regulations regarding access to users' personal data in cyber services, supported by strengthening cyber security institutions, it can enhance the cyber security awareness of cadets at the Naval Academy of the Indonesian National Armed Forces.

Vandalism is a social problem affecting public space quality, urban aesthetics, and the effectiveness of public facilities utilization. Karawang Regency, as a developing industrial area, faces challenges related to increasing acts of vandalism targeting public facilities, open spaces, and government and private assets. This study aims to analyze preventive efforts carried out by the Civil Service Police Unit (Satpol PP) of Karawang Regency using J. Salusu’s public sector strategic management perspective. This research employed a qualitative approach with a descriptive case study method. Data were collected through observation, interviews, and documentation involving Satpol PP officers and public facility users. Data analysis consisted of data reduction, data display, and conclusion drawing with source, technique, and time triangulation. The findings indicate that preventive strategies have been implemented through four strategic management phases. In the identification phase, Satpol PP recognized vandalism patterns but lacked systematic mapping of vulnerable locations. In the development phase, institutional strengths existed alongside limitations in resources and innovation. In the resolution phase, strategies focused on socialization, routine patrols, and cross-sector collaboration. In implementation and evaluation, preventive programs operated adaptively but still encountered limitations in personnel capacity and public participation. Strengthening technology utilization, human resources, and collaborative governance is necessary to improve long-term preventive effectiveness.

Document-level sentiment analysis assigns a single polarity label to an entire review, often obscuring opinion diversity within multi-sentence submissions. This limitation is particularly evident in reviews of multi-service platforms, where users frequently express heterogeneous opinions toward different aspects of the platform in the same review. To address this challenge, this study proposes a sentence-level sentiment analysis framework for Indonesian Gojek app reviews collected from the Google Play Store. The proposed framework introduces a two-stage segmentation strategy that combines punctuation-aware rules with conjunction-aware splitting based on coordinating and adversative conjunctions (e.g., tapi [but], padahal [even though]) to identify opinion boundaries and decompose mixed-sentiment reviews into independently classifiable sentence units. A total of 14,730 raw reviews collected between May and July 2025 were subjected to data cleaning and quality filtering, resulting in 7,187 valid reviews that were further segmented into 14,187 sentence-level instances. Each instance was manually annotated by three annotators using a four-class labeling scheme consisting of app-positive, app-negative, app-neutral, and service categories. Sentiment-level inter-annotator agreement, computed on the subset of instances unanimously categorized as app-related by all three annotators (n = 4,384), achieved substantial agreement (Fleiss'  = 0.636). Hyperparameter optimization was conducted using Optuna with the Tree-structured Parzen Estimator (TPE) sampler across four experimental scenarios. The best performance was achieved by IndoBERTweet under Stratified K-Fold evaluation, attaining an accuracy of 0.751 and a macro F1-score of 0.729, outperforming all IndoBERT configurations. The results demonstrate the effectiveness of domain-adaptive pre-training on informal Indonesian text and highlight the value of conjunction-aware segmentation for preserving fine-grained opinion structures in mixed-sentiment reviews. These findings suggest that domain-aligned language representations provide a practical and effective solution for sentence-level sentiment analysis of Indonesian app reviews.

This study aims to evaluate user satisfaction with the Customer Service Management System (CSMS) at PT Jaya Abadi Kontrindo using the End User Computing Satisfaction (EUCS) method. The CSMS is utilized to support various operational activities, such as purchase requests, payment requests, accounts receivable management, sales order rescheduling, and digital report generation. However, the system still faces several issues, including suboptimal response time, lack of user guidance, and the absence of a specific evaluation of user satisfaction. This study employs a qualitative approach by distributing questionnaires to 50 CSMS users using purposive sampling. The instrument was developed based on the five EUCS dimensions, namely content, accuracy, format, ease of use, and timeliness. The collected data were analyzed using validity testing, reliability testing, mean-based descriptive analysis, and Spearman correlation analysis. The results show that all questionnaire items are valid and reliable. In addition, all EUCS dimensions fall into the satisfied category, with the highest score in ease of use and the lowest in content. The Spearman correlation results also indicate that all EUCS dimensions have a significant relationship with user satisfaction.

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  

This study aims to develop a financial saving application to improve the saving habits of students, particularly in Islamic boarding schools, through an adaptive challenge approach. The system integrates a mobile iOS application with a backend service and Large Language Model (LLM) processing via Ollama. Transaction data entered by users is processed by the backend to generate contextual and personalized saving challenges, applying Reinforcement Learning concepts in an adaptive and data-driven manner. The research adopts a descriptive quantitative method using surveys and system testing with 50 respondents. Results indicate that the application functions as designed, with no significant bugs detected. User evaluation shows high satisfaction, with an average score of 4.3 out of 5, covering ease of use, interface design, and increased awareness of saving. The combination of gamification, reward systems, and adaptive personalization successfully motivates users to save regularly. This system demonstrates the potential of integrating AI-driven personalization to strengthen financial literacy and healthy financial habits among students in a fun and interactive way.methods, and a summary of the results. The abstract should end with a comment about the significance of the results or conclusions brief.

This study aims to analyze the implementation of e-government at the Jambi Province Cooperatives and SMEs Office and identify the factors influencing its implementation based on George Edward III’s policy implementation theory. The research employed a qualitative approach with a descriptive design. Data were collected through interviews, observations, and documentation involving office personnel and community service users as informants. The findings indicate that the implementation of e-government has not yet been optimal in supporting the delivery of digital-based public services. Several factors contribute to this condition, including ineffective communication and dissemination of information to the public, limited human resources with adequate technological competencies, implementers’ attitudes that are not fully adaptive to technological changes, and a bureaucratic structure that has not supported comprehensive system integration. These challenges affect the efficiency, accessibility, and quality of public services provided by the agency. Furthermore, the study highlights the importance of strengthening coordination among stakeholders and improving institutional readiness in implementing digital governance. The study concludes that efforts to improve human resource capacity, enhance public outreach, and develop an integrated information system are essential to optimize e-government implementation and improve the quality, effectiveness, and responsiveness of public services in the digital era.

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 the effectiveness of the Trans Banten Program in supporting the development of public transportation in Serang City. The research uses qualitative methods with a case study approach. Data was collected through observation, interviews, documentation and literature study, then analyzed interactively. The research results show that the Trans Banten Program is quite effective in increasing community accessibility and mobility, especially towards areas of education, government and public services. This service also provides economic benefits through reduced transportation costs and is supported by facilities that are relatively comfortable and safe for users. In addition, the increase in the number of passengers shows the public's acceptance and need for public transportation. However, the effectiveness of the program is not yet optimal because there are still obstacles in the form of fleet limitations, inaccurate operational schedules, passenger density during peak hours, and limited service information. Therefore, it is necessary to improve service quality, add fleets, and strengthen information systems to support the sustainability and optimization of the Trans Banten Program as public transportation in Serang City.

The purpose of this study is to focus on the role of innovative governance in supporting the digitalization of sustainable mobility to improve the efficiency and accessibility of urban transportation. This study aims to investigate the potential of the bright governance concept to accelerate digital transformation in Makassar City's transportation system. The research method used is a qualitative approach with data collection techniques through in-depth interviews, field observations, policy document analysis, and Focus Group Discussions (FGD). Key informants include local governments, transportation operators, academics, and community users of transportation services. The data obtained were analyzed using NVivo 12 Plus to identify patterns and relationships in digital transportation policies. The findings of this study indicate that transportation digitalization in Makassar City through Teman Bus Trans Mamminasata, QRIS payments, and intelligent transportation systems has successfully improved the efficiency, transparency, and quality of public services, as seen from the increase in the number of passengers despite still facing challenges such as declining interest in paying fares, public preference for private vehicles, limited information, and competition from other modes. The sustainability of this innovation depends on the implementation of an innovative governance model with cross-sector collaboration, data transparency, public participation, and analytics-based decision-making to realize modern, inclusive, and sustainable urban mobility in Makassar.

Unpredictable changes in weather conditions have increased the need for real-time weather monitoring systems. This study aims to implement an Internet of Things (IoT)-based adaptive weather monitoring and alarm system by utilizing JSON Web API as a weather data source. This system is built using NodeMCU ESP8266 as the main microcontroller connected to the OpenWeatherMap API service via an internet network. The weather data obtained includes temperature, humidity, and weather conditions which are then displayed on the MAX7219 Matrix monitoring and display website in real-time. In addition, this system is equipped with an adaptive alarm feature that can be controlled through the website so that users can set alarms according to their needs. The research method used is an experimental method with a descriptive approach through the stages of system design, hardware and software implementation, and system testing. Based on the test results, the system successfully displays weather information in real-time and runs automatic alarms according to user settings. With this system, users can obtain weather information and time reminders more effectively, practically, and efficiently.

This research aims to develop an Android-based boarding house search application that can provide boarding house information quickly, accurately, and easily accessed by the public, especially students and migrant workers. The research employed a Research and Development (R&D) method, encompassing user needs analysis, system design, application development, implementation, and system testing. The application is designed with key features such as searching for boarding houses based on location, price, facilities, and room availability, making it easier for users to make choices based on their needs. Furthermore, the application also provides features for boarding house owners to manage and promote their properties digitally. The application development process was conducted using the Android Studio platform with an integrated database to support real-time information management. System testing was conducted using the Black Box Testing method to ensure all application functions run according to user needs. The results show that the developed application can improve the efficiency of the boarding house search process, accelerate information access, and facilitate boarding house owners in promoting and managing property data. Therefore, this application is expected to be an effective digital solution to support mobile-based housing search services.

This study aims to analyze the effectiveness of public services at the Samarinda Public Service Mall in realizing the principles of good governance. The methods used in this study are observation and direct interviews with agencies and community service users. Interviews were conducted with the Head of General Affairs and Personnel at the Samarinda City Investment and One-Stop Integrated Services Office and several community members who were processing administrative matters at the Samarinda MPP. The observation results indicate that the quality of service at the Samarinda MPP is classified as very good. Service staff and security personnel appear friendly, communicative, and responsive in assisting the community. The available service facilities are also quite complete and comfortable, thus supporting a more effective and organized public service process. The interview results indicate that the community is very satisfied with the services provided, both in terms of speed of service, ease of obtaining information, comfort of facilities, and the attitude of staff in assisting the community. In addition, services at the Samarinda MPP have implemented several principles of good governance such as effectiveness, efficiency, responsiveness, transparency, and equality of service. Based on the results of the study, it can be concluded that public services at the Samarinda MPP have been running well and are able to provide effective, humanistic services, and are oriented towards public satisfaction.

 The quality of digital system services in the ship clearance process is closely related to the work effectiveness of shipping agency companies. The advancement of port operational services is influenced by the system’s ability to provide convenience, speed, accuracy, and service integration for users. The system used in the ship clearance process must be able to meet user needs and support inter-agency coordination so that ship services can operate more effectively and efficiently. This study aims to analyze the performance level and the level of user importance regarding the implementation of the Single Submission Pengangkut System in the ship clearance process at PT Trans Cakrawala Perkasa. The research employed a descriptive quantitative approach with a sample of 30 respondents consisting of ship agents involved in the clearance process. Data were collected through questionnaires, observations, and literature studies. The data were analyzed using validity tests, reliability tests, conformity level analysis, and the Importance Performance Analysis (IPA) method. The results indicate that the SSM Pengangkut System has made a positive contribution to accelerating document processing, facilitating system usage, increasing work productivity, and supporting coordination among related agencies. Based on the IPA Cartesian diagram, one indicator was identified as a priority for improvement, while other indicators were categorized as maintain performance, low priority, and high performance with lower importance levels. Overall, the implementation of the Single Submission Pengangkut System has been running quite well; however, continuous evaluation and improvement are still needed to optimize the ship clearance process further.

This study examines the influence of service quality and application quality on user satisfaction with the Sipaduko public service application at the Department of Population and Civil Registration of Jambi City. The research is motivated by the importance of improving the quality of digital-based public services to fulfill community needs effectively and efficiently. Although Sipaduko was developed to simplify online population administration services, several obstacles remain, including limited human resources, application usage difficulties, system disruptions, and lengthy service processes. This study uses a quantitative approach with data collected through questionnaires distributed to Sipaduko users. The data were analyzed using statistical methods to determine the partial and simultaneous effects of service quality and application quality on user satisfaction, as well as to identify the most dominant variable. The results indicate that both service quality and application quality significantly influence user satisfaction, both individually and simultaneously. Among the two variables, application quality shows the strongest influence on user satisfaction in accessing digital public services.

This study analyzes the implementation of public service innovation through the E-TTSP application at the Investment and One-Stop Integrated Services Agency (DPMPTSP) of Banten Province. Using a descriptive qualitative method, data were collected through interviews, observation, and document analysis. The results show that this digital system has significantly improved service quality and efficiency. Processing time was reduced from 7–14 days to only 2–5 days, while bureaucratic procedures were simplified. The system also enhances transparency, accountability, and accessibility, allowing users to apply online without visiting the office. Consequently, the investment climate improved, marked by a 28% increase in permit applications and a 35% rise in investment value within two years. However, challenges remain, including uneven network infrastructure, low digital literacy, and limited human resource capacity. It is recommended to improve infrastructure, provide continuous training, and intensify socialization. In conclusion, E-TTSP has delivered tangible benefits, yet sustainable development is necessary to ensure equal and optimal services for all.

The development of information technology encourages public service agencies to improve the quality of service through the use of integrated information systems. PERUM DAMRI Ende as a provider of passenger transportation services, still faces problems in delivering information on schedules, routes, fares, and vehicle data management that has not been optimally integrated, thus causing uncertainty for service users. This study aims to design and build a Passenger Transport Vehicle Information System at PERUM DAMRI Ende to improve fleet data management efficiency, route scheduling, and customer information access. The research method used is a case study with a qualitative descriptive approach. System development is carried out using the Waterfall method, which includes the stages of needs analysis, system design, implementation, testing, and maintenance. The system is built as a web-based application using the PHP programming language and a MySQL database, and tested using the Black-Box Testing method. The results of the study are expected to help PERUM DAMRI Ende manage vehicle and schedule data more effectively, improve service quality, and provide the public with greater convenience in obtaining passenger transportation information.

The digital transformation in Indonesia’s banking sector has significantly increased the use of digital banking services; however, it has not been fully accompanied by optimal customer trust. This study aims to examine the effect of perceived risk, data privacy protection, and digital service quality on customer trust, both partially and simultaneously. A quantitative approach was employed using survey data collected from 150 digital banking users in Indonesia. Data were analyzed using Structural Equation Modeling based on Partial Least Square (SEM-PLS). The results indicate that perceived risk has a negative and significant effect on trust, while data privacy protection and digital service quality have positive and significant effects on trust. Simultaneously, all variables significantly influence trust, with an R² value of 0.672, indicating strong explanatory power. Compared to prior studies, this research contributes novelty by integrating these three variables into a comprehensive model. The findings reveal that digital service quality is the most dominant factor influencing customer trust. This study concludes that enhancing customer trust requires an integrated approach through effective risk management, strengthened data protection, and continuous improvement in digital service quality.