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Innovation in service delivery is essential for the progress of the public sector, particularly in the issuance of death certificates by the Bandung City Population and Civil Registration Office (Disdukcapil). This study aims to identify and evaluate service innovations in this field, focusing on their impact on efficiency and user satisfaction. Using a descriptive analysis method with a qualitative approach, data were collected through direct observation, staff interviews, and document review. Findings reveal that Disdukcapil has implemented innovations like an online messaging and registration system, enabling citizens to apply for death certificates online, upload required documents, and complete electronic payments. These changes have reportedly enhanced service delivery, with user feedback indicating improved accessibility and time savings. However, challenges such as initial user adaptation and technical constraints were encountered, which affected the implementation process. This research highlights the sustainable benefits of service innovation in public administration, offering insights for further improvements in future practices..

This community service activity (PKM) aims to improve operational efficiency and service quality at Santosa Catering through the implementation of a web-based catering ordering system. Santosa Catering, as a micro business, faces obstacles in managing orders that are still done manually, which causes inaccurate stock information, delays in delivery, and limited customer access to menus and prices. Through a Diffusion of Science and Technology and Knowledge Transfer approach, a web-based ordering system was developed and implemented to support business operations. The system allows customers to access real-time menu information, place online orders, and choose preferred payment methods, while the owner and staff were given intensive training to effectively operate the system. The evaluation results showed significant improvements in all aspects of assessment, including understanding of system features, operational skills, time efficiency, and customer satisfaction, as shown in the comparison chart of pretest and posttest results. The system not only optimizes operational processes but also increases customer satisfaction, strengthens business competitiveness, and has the potential to become a model for other micro businesses in utilizing digital technology. Thus, this PKM activity is expected to contribute to the sustainability of Santosa Catering's business in the digital era.

Ijtihad Bahtsul Masail Nahdlatul Ulama (NU) in the field of economics, which seeks to answer contemporary challenges while remaining rooted in the tradition of Islamic knowledge. NU's approach prioritizes the continuity of the transmission of Islamic knowledge through a legitimate and trusted chain, using classical fiqh books, especially the Shafi'i school of thought. The purpose of this study is to understand the relevance and effectiveness of collective ijtihad carried out by NU in answering modern economic issues such as Islamic banking, investment, e-commerce, and digital payment systems. The method used in this study is a literature study by reviewing literature related to classical fiqh books, journals, and relevant scientific articles. The results of the study show that Bahtsul Masail NU has made a significant contribution to developing Islamic economic law that is relevant to the development of the times. LBM NU not only answers contemporary issues, such as online investment and e-commerce, but also plays a role in forming sharia-based economic policies implemented by the community. However, this study also notes challenges, such as maintaining the consistency of the ijtihad method and answering complex issues without sacrificing the basic principles of sharia.

In the modern era marked by technological advances, the use of smartphones has become an important part of everyday life. This technological advancement encourages people to continue to update the way they carry out their daily activities. Smartphones make various activities easier, including long-distance communication which now feels closer thanks to sophisticated technology. This sophistication is enjoyed by various groups regardless of age or profession. The digital payment system has experienced rapid development, providing significant convenience for its users. This technology plays a strategic role in encouraging the revitalization of MSMEs by offering fast, safe, and efficient transaction solutions. In the context of developing MSME digitalization, the digital payment system not only makes it easier for business actors to manage transactions but also increases consumer convenience in shopping. With proper implementation, digital payments support the operational efficiency of MSMEs, expand market access, and accelerate the adoption of the digital ecosystem. Based on research results, the use of digital payment systems has been proven to contribute positively to the transformation of MSMEs, helping them become more competitive and able to adapt amidst changes in the increasingly digital economic landscape. This emphasizes the importance of adopting digital payment technology as an integral part of the MSME revitalization strategy. This study aims to analyze the positive impact of the use of technology, especially in online marketing, digital payment systems on the revitalization of MSMEs.

Currently we have entered the era of digitalization or what is called the modern era. Technology is developing rapidly, especially in the field of online buying and selling that It makes it easier to access all the necessities of life. In Indonesia, there are many online sales and purchase applications, one of which is the Shopee application which provides various kinds of life needs ranging from food, clothes, household appliances and even tertiary needs (cars, motorcycles, and so on). Where shopee also provides various ways to pay, from on-site payment (COD system) when the goods are in the hands of the buyer, bank transfers, shopeepay transfers and even provides spaylater payments where this payment is made without having to pay immediately for the goods purchased or also called a credit system which of course is based on the terms and conditions that apply in the spaylater system. This research uses qualitative data, obtained from literature from various sources. The sources used are processed from the analysis of various journals, articles, reports and information related to the review of muamalah fiqh on the case of online purchases with credit system payments offered by Shopee through the "spaylater" feature.

In the online buying and selling process, the seller becomes the name of the store and the buyer does not know the identity of the seller such as name, address, and even age. Buyers will only know from the name of the store selling the item. The concept of online buying and selling is that you only have information about the name and address of the store, but do not know who the owner of the store is. In the buying and selling process, the buyer chooses the product available in the store and if there are any questions about the product, they can ask the seller via chat. The seller then uses a robotic or human system to answer the buyer's questions. The second pillar and condition is ma'qud 'alaih or a medium of exchange and goods sold. The medium of exchange used in the buying and selling process, both online and offline, still uses the same tool, namely money. The purchase or payment process for online buying and selling can be done through bank transfer through the payment code number that has been ordered. The majority of online stores also offer a wider selection of different types of goods.

This research aims to examine the impact of QRIS (Quick Response Code Indonesian Standard) on students' shopping habits in the digital era, focusing on students at STIA Lancang Kuning Dumai. This study uses a qualitative approach with in-depth interviews and focus group discussions (FGD) to explore students' experiences and perceptions regarding QRIS use in their shopping activities. The findings indicate that QRIS has provided students with convenience, efficiency, and security in digital transactions, although some students face barriers related to technological literacy and network issues. QRIS has influenced shopping habits by encouraging more online shopping. These findings contribute to understanding the role of digital payment systems in changing students’ consumption behavior.

Technological advancements have had a significant impact on facilitating financial transactions, one of which is through the use of digital payment systems. ShopeePay, as one of the e-wallets that has rapidly grown in Indonesia, offers convenience in making cashless transactions. Although ShopeePay is becoming increasingly popular, several factors still influence the behavior of its use, particularly among Generation Z. This study aims to analyze the factors that affect ShopeePay usage behavior among Generation Z students at the Universitas Muhammadiyah Surakarta using the UTAUT model. The sampling method used is convenience sampling. This quantitative research uses primary data collected through an online questionnaire via a Google Form link. A total of 275 respondents are involved in the study. Data analysis is conducted using the Smart PLS application. The results of the study indicate that performance expectancy, social influence, and facilitating conditions have affect use behavior, while effort expectancy does not have use behavior. This study emphasizes the importance of performance, social, and infrastructure support aspects in enhancing the acceptance of ShopeePay as a digital payment technology.

The advancement of payment technology has shifted the role of cash to non-cash systems. Generation Z plays a significant role in the adoption of this technology. One of the innovations introduced by Bank Indonesia is the Quick Response Code Indonesian Standard (QRIS), launched on August 17, 2019, to support digital payments through server-based e-money applications, e-wallets, or mobile banking. This study aims to analyze the factors influencing QRIS usage behavior among Generation Z based on the Unified Theory of Acceptance and Use of Technology (UTAUT). The study employs a quantitative method involving 275 respondents collected through an online questionnaire. Data are analyzed using SmartPLS. The results show that performance expectancy, facilitating conditions, and social influence have a positive influence on QRIS usage behavior. In contrast, effort expectancy does not have an influence. These findings are expected to support strategies for increasing QRIS adoption among Generation Z.

The Samsat Digital application is designed to improve efficiency and transparency in the management of motor vehicle taxes in South Sumatra. The main goal is to provide the best service to the public using information technology. The Samsat Digital application is an innovative solution that aims to make it easier for the public to access motor vehicle tax administration services. This application provides various features that allow users to make vehicle tax payments, check tax status, extend STNK, and search for information related to Samsat services online. Through mobile application-based technology, Samsat Digital seeks to reduce long queues at Samsat offices, increase time efficiency, and provide a more practical user experience. This system is equipped with secure authentication features, tax payment reminder notifications, and integration with various digital payment methods such as e-wallets, mobile banking, and credit cards.Keyword : Aplikasi Samsat Digital.

Raudhatul Athfal Nurul Hidayah is a kindergarten located in Rawa Panjang, Bojong Gede, Kabupaten Bogor, Jawa Barat. The use of technology in education is increasing, especially in terms of school administration such as tuition payments and new student registration. The online tuition payment and registration system is designed to facilitate the administration process for schools and parents of students. With this system, parents can make tuition payments and student registration online through an application or website, without having to come directly to the school. This study aims to develop and implement an efficient and user-friendly online tuition payment and registration system.The methods used include system design, collecting user needs data, and system testing. The results of the study show that this system can reduce the time and costs required in the payment and registration process, as well as increase data transparency and accuracy. This system also makes it easier for schools to manage financial data and student registration. Thus, the online tuition payment and registration system can be a practical solution in supporting the digitalization of school administration

This service activity aims to provide an understanding of making a Business Identification Number (NIB) and the application of Digital Marketing in Micro, Small and Medium Enterprises (MSMEs). This service was carried out at Warung Soto Seger Bu Tini MSME located in Sumbersari Village, Moyudan District, Sleman Regency, Yogyakarta. This activity was carried out using observation, training and evaluation methods directly to business actors consisting of 2 stages of activities, namely Making a Business Identification Number with the Online Single Submission (OSS) system and implementing digital marketing in the use of social media, making catalogs in the Canva application and digital payments (QRIS). As a result of this activity, business actors can get a Business Identification Number as proof of an official business license and obtain legal representation guarantees, as well as an increased understanding of MSME actors in using digital tools to market their products.

This study aims to design a mobile-based motorcycle workshop reservation application using the Design Thinking method to enhance user efficiency and convenience in accessing vehicle maintenance services. Data collection was conducted through a Google Forms survey of 32 respondents, providing insights into user needs, such as a reservation system, spare parts catalog, and digital payment methods. The results show that the reservation system is a primary need to reduce long queues, while the spare parts catalog feature offers convenience in accessing real-time product information. Digital payment methods were also identified as essential for more practical transactions. Through the Design Thinking approach, this application is expected to provide an innovative solution that meets user needs and increases satisfaction with motorcycle workshop services

The Segitiga Motor website was developed using the Laravel framework with the SDLC Waterfall model approach to digitize the management of customer data and workshop services. The development process includes stages such as requirements analysis, system design, implementation, testing, and maintenance. Laravel was chosen for its ability to speed up development through reusable components and its organized and flexible structure. The website successfully integrates key features such as online service booking, customer data management, product catalog, and promotions, all effectively. Testing results show that the system works as planned, enhancing operational efficiency and making it easier for customers to access services. For future development, adding features like analytics and integration with digital payment systems could further improve customer experience and satisfaction.    

The financial technology (fintech) industry in Indonesia has grown rapidly in recent years, having a significant impact on financial inclusion in the country. Fintech provides easier and faster access to financial services, especially for segments of society previously marginalized by the traditional banking system. Fintech services such as digital payments, online loans, and technology-based investments have expanded financial reach to communities in remote areas, MSMEs, and individuals with limited access to conventional banking services. However, with the rapid growth of fintech, challenges arise related to regulation and consumer protection. Inadequate regulation can lead to security risks, legal uncertainty, and potential abuse in digital financial services. Therefore, the Indonesian government has implemented various policies to regulate and supervise the fintech industry, such as the establishment of the Financial Services Authority (OJK) and Bank Indonesia (BI) as the main supervisors. This study aims to analyze the impact of fintech developments on financial inclusion in Indonesia and evaluate the effectiveness of existing regulations in protecting consumers and encouraging the growth of the fintech sector. The results of this research show that although fintech has the potential to significantly increase financial inclusion, more comprehensive regulations and strict law enforcement are needed to ensure that the benefits of fintech can be felt evenly and safely by all levels of society.

Policy implementation is the process of running, implementing and pursuing policy decisions and their alternatives that have been decided in the hope of obtaining a result that is in accordance with the goals or objectives of a policy. This study aims to find out how the implementation of the online payment and payment system policy for hotel and restaurant taxes in increasing the original income of the North Central Timor Regency. This study uses a descriptive research method with a qualitative approach. The results of this study show that. The communication indicators carried out by the Regional Revenue Agency have been carried out in two stages directly and accepted by restaurant taxpayers while for hotels it has not been implemented, so it can be said that this policy has not been fully implemented. Then the indicators of resources in the Regional Revenue Agency are still very lacking, so it needs to be added again so that in carrying out the policy the tax online system is not gradual and can run optimally to help increase local revenue. The following are the indicators of disposition that exist in the Regional Revenue Agency has a good attitude and responsibility towards the policies they have implemented so far. And the last is the indicator of the bureaucratic structure that exists at the Regional Revenue Agency so far has carried out a good cooperative relationship between employees and related agencies in implementing the tax online system policy.

The manual registration information system for incoming students is still commonly used by certain universities and colleges in Indonesia. However, the challenge lies in the fact that many potential students, especially those living outside urban areas, face difficulties with manual procedures and indeed many colleges still need a more efficient and effective information system to facilitate ownership of exam participant cards. The purpose of this study is to design a new student admissions website using PHP and MySQL to facilitate online registrants in ownership of exam participant cards. The methodology used in this study involves a system development research procedure, specifically focusing on creating a web-based system for new student admissions information that can be accessed via a web browser. The system for new student admissions information was developed using the PHP programming language and utilizing the MySQL database as a database server. The results of the design of this new student admissions website show that the newly implemented web-based student admissions system is able to offer convenience to prospective students in accessing broad information about the admissions process, as well as completing registration procedures, making online payments, and issuing exam participant cards. Hopefully this system will continue to be developed and can be applied in every college.

With the presence of Pospay, it makes it easier for people to use it. Pospay is an integrated payment service launched by Pos Indonesia. In its implementation there are still several problems, including poor internet network, not being able to make transfers to other banks, so Pos Indonesia must pay attention to existing deficiencies and further improve payment services and others. This research aims to find out and describe the Dynamic Governance Analysis of the Pospay Program at PT Pos Indonesia, South Jakarta. The method used in this research is a descriptive method with a qualitative approach. Data collection techniques using interviews, observation and documentation. This research uses the Dynamic Governance theory of Neo and Chen (2007) with 3 indicators. Research results on thinking ahead indicators for the implementation of the Pospay program carried out by Pos Indonesia in facing the era by updating offline and online service systems. In the Think Again indicator, the program run by Pos Indonesia still has shortcomings that need to be corrected so that it can be even better. There are several suggestions regarding the Pospay program provided. Previously, the service provided by Pospay was still not good, because when I wanted to check the package delivery price , to make BPJS payments you still have to go directly to the Post office. In thinking across indicators of the implementation of the Pospay program, namely the lack of information related to Pospay via social media, making changes to existing programs so that Pos Indonesia can compete with other companies, because currently there are many delivery service companies such as Pos Indonesia so they must be able to provide good services. carried out by employees towards the community.

This research analyzes the performance of the Academic Information System (SIAKAD) in supporting student tuition payments at STMIK Widuri using the PIECES method (Performance, Information, Economy, Control, Efficiency, Service). SIAKAD aims to streamline academic administration and enable online payments. However, issues such as system access delays, especially near payment deadlines, still occur, negatively impacting students' academic services and resulting in administrative penalties. The study employed data collection techniques through observation, interviews, questionnaires, and literature review. The PIECES framework was applied to evaluate six key indicators: performance, information, economy, control, efficiency, and service. The findings reveal that all indicators achieved an average score above 3.80, indicating a "good" system performance. Nonetheless, further improvements are necessary, particularly in terms of access speed and data security, to minimize user difficulties. The study concludes that optimizing the SIAKAD system is crucial for achieving effective and efficient payment processes. Recommendations include enhancing service quality, improving information accuracy, and strengthening data security. This optimization is expected to increase user satisfaction and support the institution's financial management stability.

In this era of globalization, technological progress is growing very rapidly, one of which is in the health sector. The development of various technologies makes it easier in the health sector, one of which is in the registration section. Bandar Lampung Adventist Hospital is one of the hospitals that utilizes technological advances using the Mobile JKN application. To achieve the goal of using the online registration system, 5 elements of management or management facilities are needed, namely: man, money, material, machine, and method. The purpose of this study was to review the use of an outpatient online registration system at the Adventist Hospital in Bandar Lampung. This research was conducted with quantitative descriptive methods, data collection instruments using observations and checklist sheets. From the observation that the man element in the use of the online registration system is not appropriate, this is seen from the HR in charge of the registration section is not a PMIK and of course does not have a medical record STR, the money element in the use of the online registration system is in accordance with this in terms of the budget for the use of an online registration system, the material element is also in accordance with this in terms of several machines used such as the presence of stable WiFi, queue card printing machines, computers, telephones, and televisions that are used as monitors, the machine elements are in accordance with this in terms of their presence an adequate WiFi network in the running system and a registration application system in the form of the Mobile JKN application. And the elements of the method are also in accordance with this in terms of the SOP for online outpatient registration and the registration procedure that is already running.