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This study investigated the role of financial literacy and social influence in the actual usage of digital payment as a fintech service systems in an effort to gather information and the degree of risk that users will experience, taking into account the advantages received. This study utilized a descriptive qualitative strategy coupled with a literature review method for data collection, namely the acquisition of data from publications and journals pertaining to the usage of digital payment systems. The data analysis technique employs the approach of deriving conclusions by objectively, systematically, and generally recognizing the many specific qualities of a message. The findings indicated that financial literacy and social influence have a substantial impact on the utilization of digital payment systems. The usage of digital payment services as a type of risky financial behavior raises knowledge and comprehension of financial goods, which will affect judgments on whether or not to utilize these products. This study is limited to a literature review and paves the way for future empirical studies to analyze the elements and dimensions of financial literacy and social influence in the usage of digital payment services in more depth.

Customer satisfaction is very important to a company's services, because satisfied customers will come back, buy more, spread the experience to another friend, and is willing to pay more to do business with a trusted provider. Efforts to maintain customer satisfaction one of which is to monitor what they want from the services that are presented. This study aimed to measure the level of customer satisfaction in the business of outdoor education and training, in which customer satisfaction is measured on the dimensions of perceived service and expected service. The population in this study is service users of the outdoor education and training at the Centre for Education and Training Managerial Behavior University of Wijaya Putra that training in January and June 2014, samples were taken by purposive random sampling technique amounts to 143 people. The variables of this study customer loyalty, service quality, perceived quality, perceived value, and customer expectation and customer complaints. Analysis of the data used is multiple linear regression analysis with hypothesis testing with the F test and t test. The expected outcome of this research is the acquisition of the factors that affect customer satisfaction on service providers of outdoor education and training, in terms of quality of service indicators (tangibles, reliability, responsiveness, assurance and empathy). The results show that there is good agreement between the performance perceived by the user's expectations of the outdoor education and training services. These conditions can be considered satisfactory by management for the success of providing the best service to users of the service. Cartesian diagram determine the right strategy for the management to improve service quality are a top priority especially.    

In 2019 PT.PELNI (Persero) with ships to and from Semarang experienced an increase in passengers. The need for companies to continue to innovate through aspects of the company in terms of comfort, service, and brand image to balance  the  costs or prices incurred  by  service  users.  One of the strategies carried out by PT PELNI (Persero) is to make a number of ship service adjustments amid the Covid-19 outbreak. One of them is preparing a policy to apply the portstay scheme in turn for all ships.This research uses data collection methods in the form of observations made directly in the field, literature study, and documentation and questionnaire methods.  In  this  study,  the  authors  used  qualitative  and  quantitative  data analysis, where the statistics found in the study were described or described as they are, then presented in the form of numbers which were then represented in a description.It shows that, based on empirical data (the results of filling out the questionnaire) and the results of multiple linear regressions, it shows that the convenience variable (X1) has a positive effect on the attractiveness of service users, where the value of tcount 2.781> ttable 1.984. Service variable (X2) has a positive influence on the attractiveness of service users where the value of tcount is 3.328> t table is 1.984.  Variable Brand Image (X3) also has a positive influence on the attractiveness of service users has a tcount of 2.813> t table of 1.984.  Thus  the  results  of  this  study  indicate  that  there  is  a  positive  and significant influence between Comfort, Service and Brand Image on Service User Interest.