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Nikmah, Mi Afifah; Siregar, Zalfa Nadhifah Umaimah; Simarmata, Anggi Sri Haryati

Majelis : Jurnal Hukum Indonesia 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This research is motivated by the escalating prevalence of illegal online lending practices in Indonesia, which generate a multitude of legal problems, particularly those concerning the validity of loan agreements and debt collection practices. The simplicity of access through smartphone applications, rapid processing times often approved within minutes and minimal administrative requirements have rendered these services immensely popular among the public. However, this accessibility also paves the way for unlicensed providers to operate unchecked, preying on desperate borrowers. The study aims to analyze the legal validity of illegal online loan agreements pursuant to the Indonesian Civil Code (KUHPerdata) and regulations issued by the Financial Services Authority (Otoritas Jasa Keuangan, OJK). Additionally, it examines the legal position of debt collection from a civil law perspective. A normative juridical method is employed, utilizing statutory and conceptual approaches, with qualitative analysis of the data. The results demonstrate that illegal online loan agreements fail to fulfill the requirements for a valid contract, especially regarding the legal capacity of the parties and lawful cause, categorizing them as null and void by operation of law. Nevertheless, in practice, unlicensed providers continue debt collection efforts, frequently employing methods that violate the law, such as harassment and intimidation. This reveals a significant gap between legal norms and field implementation. The implications emphasize the critical need for robust law enforcement, enhanced consumer protection mechanisms, and stricter oversight of fintech lenders to establish legal certainty and justice for society.

Zufar Abdullah Rabbani; Wahyu Syaifullah J S; Alfan Rizaldy Pratama

Prosiding Seminar Nasional Ilmu Teknik 2026 Asosiasi Riset Ilmu Teknik Indonesia

Private vehicles are a frequently used mode of transportation because they are considered more practical. However, using private vehicles carries several risks, such as traffic accidents due to drivers losing focus on the road due to other activities, such as making calls on smartphones, drinking, or operating the radio. Approximately 90% of accidents are caused by human error. Convolutional Neural Network (CNN) is a type of neural network commonly used on image data. CNN is often used for image classification due to its high performance and accuracy. Therefore, this study aims to analyze the performance of CNN for the classification of distracted driving activities. The results show that the CNN model is able to effectively classify images of distracted driving activities, with an accuracy of approximately 99% across all datasets and across all input image size variations. Furthermore, the results of this study also show that differences in right-hand and left-hand drive datasets do not significantly affect model accuracy. Variations in input image size also do not significantly affect model accuracy, but do affect the training duration.

Wahyu Dwi Sulindra; Sari Wulandari; Suhaila Husna Samosir; Adrial Falahi

International Journal of Management Science and Entrepreneurship 2026 International Forum of Researchers and Lecturers

This study seeks to examine the influence of brand image, product innovation, and lifestyle on purchasing decisions for iPhone smartphones among residents of Patumbak Village, Dusun V, Deli Serdang. Specifically, it aims to analyze the individual effect of brand image on purchasing decisions, the effect of product innovation on purchasing decisions, and the effect of lifestyle on purchasing decisions, as well as their combined impact. The research employs a descriptive quantitative approach, utilizing questionnaires, interviews, and documentation as data collection techniques. The population consists of 740 residents of Patumbak Village, Dusun V, and the sample of 88 respondents was determined using non-probability sampling with the Slovin formula. The collected data were processed and analyzed through multiple linear regression analysis using SPSS version 26.0. The findings indicate that the calculated F value (205.841) exceeds the F table value (2.71), demonstrating a significant simultaneous effect of brand image, product innovation, and lifestyle on purchasing decisions. Partially, brand image (t = 2.885), product innovation (t = 2.491), and lifestyle (t = 5.570) each show t-values greater than the t table value (1.662), confirming their significant individual influence. Furthermore, the coefficient of determination (R²) of 0.570 reveals that 57% of the variation in purchasing decisions is explained collectively by the three independent variables.

ariyanti, lilik; Priscilla Rosita Putri Nurmasari; Almas Awanis

Jurnal Fisioterapi dan Ilmu Kesehatan Sisthana (JUFDIKES) 2026 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Gaya hidup remaja masa kini sangat erat kaitannya dengan penggunaan smartphone, di mana hampir seluruh remaja telah memiliki smartphone pribadi. Penggunaan smartphone yang tidak terkontrol berisiko menimbulkan kecanduan yang dapat berdampak negatif terhadap kualitas hidup remaja. Kondisi ini berdampak pada status gizi yang tidak normal pada remaja, diantaranya kekurangan berat badan (underweight) maupun kelebihan berat badan (overweight). Tujuan penelitian ini adalah mengetahui hubungan kecanduan smartphone terhadap Indeks Massa Tubuh. Desain penelitian ini cross sectional dengan sampel 242 remaja usia 15-18 tahun dan menggunaan teknik purposive sampling. Instrumen penelitian yang digunakan adalah Smartphone Addiction Scale-Short Version yang sudah diuji validitas dan reliabilitasnya dengan nilai cut off point kuesioner untuk laki-laki >31 dinyatakan kecanduan smartphone sedangkan untuk perempuan >33 dinyatakan kecanduan smartphone, selain itu dilakukan pengukuran IMT berdasarkan berat badan dan tinggi badan. Analisa data yang dilakukan menggunakan uji statistik Chi-Square dengan uji alternatif Fisher Extract melalui SPSS versi 25. Hasil yang diperoleh yaitu p-value (0,014 < 0,05) yang menunjukan terdapat hubungan antara kecanduan smartphone terhadap Indeks Massa Tubuh (IMT).

Saparwati, Mona; Trimawati Trimawati; Abdul Wahid; Ucta P

Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian kepada Masyarakat 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

The growing use of smartphones among adolescents carries a high risk of addiction, which can negatively impact physical, mental, and social well-being. To address this issue, a community service program was implemented to conduct early detection of gadget addiction among high school students and provide educational health media to raise knowledge and awareness about excessive smartphone use. The program involved 240 students of SMA Negeri 1 Tuntang and was conducted in three stages: screening, development of educational materials, and health counseling. Screening used the short version of the Smartphone Addiction Scale and revealed that 90% of students were classified as addicted. Prior to counseling, 81.25% of students had low levels of knowledge regarding healthy gadget use, which significantly improved after the intervention, with 83.4% achieving high knowledge levels. Health counseling proved crucial in enhancing students’ understanding and promoting responsible smartphone habits. The program highlights the importance of collaborative efforts by schools, parents, and students to limit smartphone use, encourage physical activity, and foster face-to-face social interactions to support adolescent well-being.

Yustinus Liguori; I Wayan Sudiarsa; I Made Jagat Dita; I Gusti Ngurah Galih Jimbar Baskara; Pande Wisnu Wijaya Putra

Router : Jurnal Teknik Informatika dan Terapan 2025 Asosiasi Profesi Telekomunikasi dan Informatika Indonesia

The rapid development of smartphone technology today creates challenges for consumers and manufacturers in determining an objective price range based on highly varied technical specifications. This study aims to implement the Random Forest algorithm in classifying smartphone price ranges into four main categories, namely low, mid-range, high, and flagship. The research method was carried out systematically through the stages of loading a dataset of 2,000 entries, exploratory data analysis (EDA) to ensure data integrity, and model training with a training and testing data split of 80:20. The results showed that the Random Forest model achieved a significant overall accuracy rate of 89%. Based on feature importance analysis, it was found that RAM capacity was the most dominant determining factor, contributing 47% to prediction accuracy, followed by battery power and screen resolution as supporting features. These findings have strategic implications for manufacturers to prioritize memory capacity upgrades in determining product pricing in the market, as well as providing guidance for consumers in assessing the fairness of a device's price based on its technical capabilities.

Muhammad Adithya Sasmitha; Luqman Effendi

Jurnal Ventilator: Jurnal riset ilmu kesehatan dan Keperawatan 2025 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Background: Sleep disorders in adolescents are a significant health problem, with a global prevalence reaching 57.8% and particularly high rates in several cities in Indonesia. Poor sleep quality negatively impacts physical health, such as the risk of cardiovascular disease and anemia, as well as mental and cognitive health. Sleep behavior is influenced by a dynamic interaction between personal and environmental factors, as explained in Social Cognitive Theory (SCT). Research Objective: To identify the determinants of sleep deprivation in adolescents, specifically individual and environmental factors, based on a Social Cognitive Theory (SCT) perspective through a literature review from 2019 to 2025. Method: This study utilized a literature review. To obtain research data, the authors searched for scientific articles through Google Scholar, PubMed, and ScienceDirect databases, then analyzed 10 articles that met the inclusion criteria, published between 2020 and 2025. Results: Factors significantly associated with adolescent sleep quality were identified, with individual factors being the most dominant determinant (found in 7 studies), including academic stress and smartphone addiction. Furthermore, a positive association was found with environmental factors (found in 4 studies), such as bright lighting, noise, and uncomfortable room temperature. Conclusion: Within the framework of Social Cognitive Theory, adolescent sleep quality is the result of a reciprocal interaction between personal factors (perceived stress and self-control over gadgets), the physical environment, and sleep behavior. Individual factors such as stress and nighttime gadget use reduce self-efficacy for regular sleep, which is exacerbated by an unfavorable environment.

Yoel Adeputra; Muhaen Maya Wulandari; Dwi Imroatus Sholikah

Presidensial : Jurnal Hukum, Administrasi Negara, dan Kebijakan Publik 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The patent dispute between Apple Inc. and Samsung Electronics Co. Ltd. is one of the largest Intellectual Property Rights (IPR) conflicts in the modern technology industry. This case began in 2007, when Apple launched the first-generation iPhone, revolutionizing the smartphone market with its minimalist design, full-touch screen, and intuitive interface. The success of the iPhone opened new markets and positioned Apple as an innovation leader. Samsung, as the largest electronics manufacturer in Asia, then produced the Android-based Samsung Galaxy smartphone, which quickly became the iPhone's main competitor. This business competition then turned into a legal dispute when Apple considered Samsung's products too similar to its products. This case involves claims of infringement of design patents and utility patents filed in various jurisdictions such as the United States, South Korea, Japan, Germany, and the United Kingdom. This article uses a normative juridical method with a statutory and case approach. The analysis shows that the patent dispute between Apple and Samsung cannot be resolved through a single international forum due to the territorial nature of the patent system. Therefore, litigation takes place in several countries and results in varying decisions.

Indah Ratna Dewi; Amiruddin Saleh

Jurnal Riset Rumpun Seni, Desain dan Media 2025 Pusat Riset dan Inovasi Nasional

The rapid growth of social media in Indonesia has transformed marketing communication strategies, particularly in producing creative promotional content. Instagram Reels has emerged as an effective platform for building brand awareness through short and engaging videos. This study was conducted during an internship at PT Waskita Fim Perkasa Realti and focuses on the production process of Instagram Reels content for Vasaka Solterra. The first objective is to examine the workflow of promotional video production across three stages, pre-production, production, and post-production. The second objective is to identify challenges faced by the Marketing Communication Division. Using qualitative methods, including observation, interviews, participation, and literature review. This study found that pre-production involves idea development, content research, and storyboard creation. The production stage includes smartphone-based video shooting and voice-over recording to ensure message clarity. Post-production centers on editing using CapCut and applying a consistent visual identity before publication. The study also identifies several obstacles, such as limited human resources, minimal equipment availability, and coordination delays with external partners. These findings highlight the need for increased production personnel, improved interdepartmental collaboration, and enhanced equipment support to optimize the overall content production process.

Sita Shabrina Rahmatina; Maya Utami Dewi; Iman Saufik

Jurnal Elektronika dan Komputer 2025 STEKOM PRESS

Drug abuse (Narcotics, Psychotropics, and other Addictive Substances) is a serious problem that can threaten the younger generation, especially in the Panggung Kidul Village area. The lack of public understanding, especially teenagers, regarding the dangers and negative impacts of drug abuse is one of the factors that influence the high risk of substance abuse. Therefore, innovative and interactive educational media are needed to increase public awareness and understanding regarding the prevention of drug abuse. This study offers a solution by designing and developing educational media based on Augmented Reality (AR) technology as a visual and interactive tool that conveys information in an interesting and easy-to-understand manner. The use of smartphones as the main device in AR applications makes this media more easily accessible to various groups of people. The test results using the System Usability Scale (SUS) method showed a user satisfaction level of 96% which is included in the Acceptable category. Thus, this AR-based educational media is expected to be an effective means of increasing public understanding of the dangers of drug abuse and encouraging early preventive efforts.

Dicky Aldian; Muhammad Arief

JURNAL EKONOMI MANAJEMEN AKUNTANSI 2025 sekolah Tinggi Ilmu Ekonomi Dharma Putra Semarang

Rapid technological advancements have encouraged smartphone sellers to emphasize good product quality to meet customer needs in order to achieve customer satisfaction and repurchase intentions. A positive brand image and good perceived value are important factors in building customer satisfaction, which ultimately impacts repurchase intentions. This study aims to examine the influence of product quality, brand image, and perceived value on customer satisfaction and thus increasing repurchase intentions. The study was conducted in Jakarta with a descriptive causality design through a quantitative approach and purposive sampling technique. Data were obtained from 131 respondents who have used an iPhone. The conceptual model analysis was conducted using the Structural Equation Modeling method. The results show that product quality, brand image, and perceived value significantly increase customer satisfaction. Furthermore, customer satisfaction has been shown to encourage repurchase intentions. In addition, product quality, brand image, and perceived value each have a positive influence on repurchase intentions through the mediation of customer satisfaction. Thus, all hypotheses of this study are proven to have a positive influence. The contribution of this research is expected to provide understanding for producers in developing their business, as well as being a reference for developing marketing strategies that emphasize improving product quality, building a strong brand image, managing value perceptions, and increasing customer satisfaction in order to attract consumer interest in repeating the same product.

Dimas Aditya; husnul khair; Milli Alfhi Syari

Repeater : Publikasi Teknik Informatika dan Jaringan 2025 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Waste management remains a major challenge, particularly due to the lack of public awareness and habits in sorting waste from its source. Innovative technology-based solutions are needed to support more effective waste management systems. This study aims to design and develop an Internet of Things (IoT)-based smart trash bin capable of automatically sorting metal and non-metal waste. The system utilizes an ESP32 microcontroller as the main controller, an LJ12A3-4-Z/BY sensor to detect metal materials, an E18 sensor to detect non-metal materials, and an ultrasonic sensor to monitor bin capacity. The waste separation mechanism is operated by a servo motor controlled by the system, while the Blynk application is integrated for real-time monitoring and full-capacity notifications sent directly to the user’s smartphone. The research stages included hardware design, microcontroller programming, IoT platform integration, and functionality testing to ensure system performance and reliability. The results showed that the smart trash bin operated as expected, successfully identifying and separating metal and non-metal waste automatically, while also sending real-time notifications to the user when the bin approached full capacity. The implementation of this technology has the potential to modernize waste management processes, improve the efficiency of waste sorting, and reduce dependency on manual labor. Furthermore, this research opens opportunities for future development by integrating additional sensors and cloud-based data management systems to support smart city initiatives and sustainable waste management practices.

Annisa Sofia Mujahidah

International Journal of Religious Education and Philosophy 2025 International Forum of Researchers and Lecturers

Learning Hajj rituals requires innovation to overcome the limitations of available media, one of which is through the utilization of the integration of the Android platform with Augmented Reality technology. The Muslim Sadiq application on smartphones displays 3D objects related to the practice of Hajj rituals. This study aims to explain the design of interactive media based on Augmented Reality as an innovation in learning Hajj rituals, expected to improve student understanding through a more visual, interactive, and contextual learning experience. This media design method adopts two stages of the ADDIE model (Analysis, Design, Development, Implementation, Evaluation), namely the needs analysis and media design stages. This study reveals that learning Hajj rituals requires interactive and applicable media to overcome the gap between theoretical understanding and the practice of Hajj worship in real life. The designed media utilizes AR technology to create a simulation of Hajj implementation and supports experience-based learning. Although the design has considered technical and pedagogical aspects, this media is still in the design stage and has not been tested or implemented directly. Therefore, further research is needed to assess the effectiveness of this media in learning Hajj rituals.

Ugbotu, Eferhire Valentine; Emordi, Frances Uchechukwu; Ugboh, Emeke; Anazia, Kizito Eluemunor; Odiakaose, Christopher Chukwufunaya +13 more

Journal of Computing Theories and Applications 2025 Universitas Dian Nuswantoro

The daily exchange of informatics over the Internet has both eased the widespread proliferation of resources to ease accessibility, availability and interoperability of accompanying devices. In addition, the recent widespread proliferation of smartphones alongside other computing devices has continued to advance features such as miniaturization, portability, data access ease, mobility, and other merits. It has also birthed adversarial attacks targeted at network infrastructures and aimed at exploiting interconnected cum shared resources. These exploits seek to compromise an unsuspecting user device cum unit. Increased susceptibility and success rate of these attacks have been traced to user's personality traits and behaviours, which renders them repeatedly vulnerable to such exploits especially those rippled across spoofed websites as malicious contents. Our study posits a stacked, transfer learning approach that seeks to classify malicious contents as explored by adversaries over a spoofed, phishing websites. Our stacked approach explores 3-base classifiers namely Cultural Genetic Algorithm, Random Forest, and Korhonen Modular Neural Network – whose output is utilized as input for XGBoost meta-learner. A major challenge with learning scheme(s) is the flexibility with the selection of appropriate features for estimation, and the imbalanced nature of the explored dataset for which the target class often lags behind. Our study resolved dataset imbalance challenge using the SMOTE-Tomek mode; while, the selected predictors was resolved using the relief rank feature selection. Results shows that our hybrid yields F1 0.995, Accuracy 0.997, Recall 0.998, Precision 1.000, AUC-ROC 0.997, and Specificity 1.000 – to accurately classify all 2,764 cases of its held-out test dataset. Results affirm that it outperformed bench-mark ensembles. Result shows the proposed model explored UCI Phishing Website dataset, and effectively classified phishing (cues and lures) contents on websites.

Sri Hindriyastuti; Herlina Wietya Anggraeni; Gardha Rias Arsy; Vera Fitriana

International Journal of Medicine and Health 2025 Lembaga Pengembangan Kinerja Dosen

Background: One form of current technological development is the smartphone. Initially, smartphones were only used by adults, but in this modern era, many teenagers use smartphones. One of the positive impacts of smartphones for school-age youth is being able to find learning materials easily and being able to communicate remotely with teachers, while the excessive use of smartphones has a negative impact, both physically and psychologically. Another bad impact is nomophobia. Nomophobia or commonly known by the abbreviation "No Mobile Phone Phobia" or the disease can not be far from a mobile phone. Nomophobia is also defined as a feeling of anxiety when kept away from a sartphone. Objective: To find out the experience of nomophobia in adolescents at SMP 1 Gebog Kudus. Method: The type of research used is qualitative research using a phenomenological approach. The selection of participants was carried out using a purposive sampling method. The participants in this study were 5 teenagers at SMP N 1 Gebog Kudus. Data collection techniques in this study were observation, interviews and documentation, with 14 open-ended questions. Data analysis techniques used in this study include: 1)Reading and Re-reading; 2)Initial Notes; 3)Developing Emergent Themes; 4)Searching for Connections a Cross Emergent Themes; 5)Moving the Next Cases; 6)Looking for Patterns Across Cases; and 7)Taking Interpretations to Deeper Levels. Research results: Based on the research analysis, there are 4 main themes, namely: (1)Dominant activities in spare time, (2)The emergence of emotional disturbances, (3)As entertainment when lonely, and (4)Being an important part of life. Conclusion: Smartphone is a very important communication tool for teenagers.

Muhammad Iqbal Wicaksono; Eva Yumami; Niky Hardinata

Polygon : Jurnal Ilmu Komputer dan Ilmu Pengetahuan Alam 2025 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

A wedding is an important event in a person's life that requires various careful preparations, one of which is sending invitations to guests. This research aims to create an Android-based wedding invitation booking application that utilizes Augmented Reality (AR) technology with a Design Thinking approach. This approach includes five main stages, namely empathize, define, ideate, prototype, and testing, to ensure that the developed application is truly in accordance with the needs and expectations of users. With AR technology, users can view and interact directly with virtual invitations through digital devices such as smartphones, which provides a more engaging, interactive, and modern visual experience than conventional physical invitations. The app's key features include invitation design selection, content customization (name, location, date, and couple's photo), as well as simulated invitation display with three-dimensional effects via AR. The app also allows users to store, share, and place orders directly through an integrated system. The results of the evaluation conducted using the System Usability Scale (SUS) method showed a score of 75.3. This score indicates that the app has a good usability level and is positively received by the majority of respondents. In addition, this application is considered to be able to increase efficiency in the invitation ordering process and provide a more modern and personal impression to users and invited guests. The conclusion of this study is that AR-based wedding invitation booking apps not only serve as a practical tool, but also become digital innovations that enrich the user experience in modern weddings. This research is expected to make a real contribution to the development of creative information technology and inspire other developers to create similar solutions that are innovative, efficient, and relevant to the needs of the times.

Aji Mutakin; Aji Mutakin; Yudi Barnadi; Ase Suryana

Jurnal Elektronika dan Komputer 2025 STEKOM PRESS

Due to the busy activities outside the home, some people do not have time or forget to water their plants, so when they return home they find that the plants have died from drought. Therefore, to overcome this problem by conducting research using Internet of Things technology. The aim of this research is to design an automatic watering tool to overcome manual watering and support learning. This prototype uses a NodeMCU ESP8266 as the main controller, a soil moisture sensor is used to read soil moisture.  Soil moisture sensors are used to detect soil moisture. If the soil humidity is below the minimum limit, the watering process will be active and the watering process will be active if the NodeMCU ESP8266 receives commands from the smartphone.

Vu, Thang C.; Nguyen, Trung H.; Nguyen, Mui D.; Nguyen, Dung T.; Nguyen, Tao V. +2 more

Journal of Computing Theories and Applications 2025 Universitas Dian Nuswantoro

Indoor positioning technology based on smartphones plays an important role in the current technological development context. Especially in applications such as warehouses, supermarkets, hospitals, or buildings. While the global positioning system (GNSS) is popular and effective outdoors, it has several limitations when operating in enclosed spaces, such as indoors, due to the complexity of these environments. Smartphones have many built-in sensors (such as light sensors, sound sensors, gyroscopes, accelerometers, and magnetic sensors) and support the connection of various types of wireless communication technologies such as Wi-Fi and Bluetooth. However, such sensors were not initially developed for positioning applications. This study addresses the positioning problem using the MUSIC technique in conjunction with the Time of Arrival (ToA) method. The effectiveness of the positioning solution is evaluated through the signal-to-noise ratio (SNR) index. The absolute error and squared error indices are evaluated through the cumulative distribution function (CDF) to indicate the effectiveness of the proposed solution. Additionally, we propose a Pedestrian Dead Reckoning method to determine a person's position in indoor environments continuously. Based on the segmentation of the moving process by turns, the direction measurements in each segment are processed using a Kalman filter, which is designed to enhance the results achieved by the system. We also discuss the challenges and some future research directions in the field of smartphone-based indoor positioning.

Mohammad Ilham Adi Saputra; Sri Arttini Dwi Prasetyowati; Sauqie Fairoozy Firdaus; Imam Rachmat Widodo

International Journal of Engineering and Applied Science 2025 International Forum of Researchers and Lecturers

The Karanggeneng River in Rembang Regency, Central Java, serves as the main water source for the surrounding community but is vulnerable to seawater contamination during the dry season due to decreasing river elevation. To address this issue, this study aims to design and implement a river water elevation monitoring device based on the Internet of Things (IoT) powered by a hybrid Solar Power Plant (PLTS). The device utilizes the MB7360 ultrasonic sensor connected to an ESP32 microcontroller to measure water elevation in real-time and display the data through an LCD and the Blynk application on a smartphone. The methodology includes literature review, device design, system implementation, and field performance testing. Test results show that the sensor can measure water height accurately within a range of 30 cm to 5 meters, and the PLTS system is capable of supplying the required 0.56 Watts of power. The study compared two alternative solutions and selected the ESP32-based system as the best option due to its efficiency, cost-effectiveness, and easy-to-source components. The conclusion of this research indicates that the developed device can provide accurate and continuous information, support monitoring of river conditions to prevent the risk of seawater intrusion, flooding, or drought, and has the potential to be applied as a mobile system in various other river locations across Indonesia.

Ulfa Arsita; Rifqa Ayu Dasila; Indah Pratiwi; Arsita, Ulfa

Jurnal Ilmiah Komputerisasi Akuntansi 2025 Universitas Sains dan Teknologi Komputer

Currently the banking sector provides product services in the form of electronic banking for customers, one of which is mobile banking. Mobile banking is a banking service that allows customers to make various financial transactions through mobile devices, such as smartphones or tablets. This study aims to examine the influence of ease of use, security, and reliability on the use of mobile banking among the people of Palopo city. Data was collected using a questionnaire that was distributed online to respondents. This study uses a quantitative method. The sample was taken using the purposive sampling technique with a total of 105 respondents collected. To process the data in this study, the Statistical Package for Social Science (SPSS) program is used. The results of this study show that ease of use, security, and reliability have a significant effect on the use of mobile banking.