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The digital era has fundamentally transformed the market landscape, requiring e-commerce platforms to understand the determinants of consumer behavior. This study aims to analyze the role of E-commerce Trust as a mediating variable in the relationship between Perceived Ease of Use, Perceived Usefulness, and Perceived Enjoyment on Purchase Intention. Using a quantitative approach, data was collected from 326 active users of the Lazada platform in Central Java. Data analysis was conducted using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results show that the three main factors ease, usefulness, and enjoyment have a positive and significant influence on Brand Trust and consumer Purchase Intention directly. Furthermore, it was found that E-commerce Trust acts as a crucial mediator that strengthens Purchase Intention through positive user experience. Theoretically, this study strengthens the Technology Acceptance Model (TAM) framework and the context of Cross-Border E-commerce (CBEC) in the digital retail industry. Practically, these findings emphasize the importance of optimizing platform features to enhance transaction convenience and security and build long-term loyalty. The research's implications suggest that platform managers should focus on both aesthetics and functionality to create a credible and enjoyable digital shopping ecosystem for consumers in developing regions.

This study aimed to examine the extent to which trust, perceived security, and ease of use of the GrabFood platform influence consumer transaction decisions in Batam City. The method used was descriptive quantitative, involving 204 respondents who had made purchases through GrabFood, selected through purposive sampling based on Jacob Cohen's formula to ensure representative results. Data were collected using a questionnaire and analyzed through a series of procedures, including validity and reliability testing, classical assumption checking, multiple linear regression, and hypothesis testing using t-tests and F-tests. The study findings revealed that trust contributed 22.0%, security 38.9%, and ease of use 23.2% to purchasing decisions. The coefficient of determination (R²) of 65.6% confirmed that these three factors simultaneously explained a significant portion of the variation in consumer purchasing behavior. Furthermore, t-tests and F-tests confirmed a positive and significant influence, both individually and collectively, on consumer decisions to use GrabFood.

This research has a purpose to determine the effect of online transaction security on purchasing decisions through the Shopee application. The respondents consisted of 74 students from the Digital Business Study Program at Universitas Amikom Purwokerto who actively use Shopee. This research employed a quantitative descriptive method with simple linear regression analysis. The results indicate that online transaction security has a positive and significant effect on purchasing decisions, with a regression coefficient of 0.887 and a significance value of 0.000. The coefficient of determination of 35.2% shows that transaction security contributes to purchasing decisions, while the remaining percentage is influenced by other factors. The higher the level of security perceived by consumers during online transactions, the greater the likelihood of making a purchase. These findings highlight the importance of improving security systems and information transparency on e-commerce platforms such as Shopee to create a safe, comfortable, and trustworthy shopping experience for users.

This study aims to examine: 1) the effect of perceived usefulness, perceived ease of use, and perceived security and privacy on attitude toward using; 2) the effect of perceived usefulness, perceived ease of use, and perceived security and privacy on the intention to use digital wallets in Aceh Province; and 3) the mediating effect of attitude toward using in the relationship between perceived usefulness, perceived ease of use, and perceived security and privacy on the intention to use digital wallets in Aceh Province. The data collection method employed non-probability sampling with a total of 275 respondents. Data analysis was conducted using Partial Least Squares (PLS)-based Structural Equation Modeling (SEM) via SmartPLS 4.0. The findings show that perceived usefulness, perceived ease of use, and perceived security and privacy positively influence attitude toward using, which subsequently affects the behavioral intention to use. These results indicate that individuals in Aceh are more likely to adopt digital wallets when they perceive them as beneficial, user-friendly, and secure. Furthermore, the mediating role of attitude emphasizes its importance in strengthening the relationship between user perception and the intention to use digital wallet technology (t-value = 5.717, p-value = 0.000).

Digital resolution has accelerated fundamental transformations in the retail and financial sectors, which has implications for significant changes in public consumption. E-commerce platforms now provide a diversification of payment methods to optimize the consumer experience, including the implementation of a delayed payment system (paylater). This study aims to analyze the influence of ease of use and perceived security on doom spending behavior among college students using Shopee PayLater. This study adopted a quantitative approach using a survey design as the research method. The data collection process was carried out through a questionnaire instrument distributed to 100 student respondents selected using a purposive sampling technique. Data analysis was conducted using various statistical techniques including instrument validity and reliability tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing using SPSS version 25 software. Partially, the ease of use variable did not show a significant influence on student doom spending behavior. Conversely, the security variable showed a significant positive influence on doom spending tendencies among college students using the Shopee PayLater service. When analyzed simultaneously, both the ease of use and security variables showed a positive and significant influence on doom spending behavior of Shopee PayLater users.

In this study, to analyze the interest factors in using e-commerce-based accounting information systems among Surakarta private students. This research is quantitative research. The population of this research is private students from Surakarta. The sample determination technique uses the Slovin formula. Data analysis uses SPSS 25. The results of this study prove that perceived ease and trust influence interest in the Shopee e-commerce based accounting information system and perceived risk does not influence interest in using the Shopee e-commerce based accounting information system. So, Shopee e-commerce features must pay attention to service, privacy & security and provide functional features so that they can attract students' attention to use Shopee e-commerce.

Digital transformation in the Islamic banking sector requires innovation that is responsive to user needs. The BYOND by BSI application is a form of digital transformation by Bank Syariah Indonesia in response to these dynamics. This study aims to examine customer acceptance and satisfaction with the use of the BYOND application based on five recent national studies. The research findings indicate that factors such as perceived usefulness, ease of use, trust, and Islamic banking features play a significant role in driving customer usage and loyalty. Challenges include low digital literacy and concerns about security. With a sustainable approach to feature development and digital education, BYOND has great potential to strengthen the digital Islamic banking ecosystem in Indonesia.

Current digital wallet applications offer easy-to-use features, security levels, and trust by their users. The purpose of this study was to determine the effect of perceived ease of use, perceived security, and perceived trust on interest in using the OVO e-wallet application. The population in this study were people who were interested in using the OVO e-wallet application and had never used the OVO e-wallet application before in the Bekasi area. The sample taken in this study was 100 respondents. The sampling technique used was primary data where data collection was obtained by distributing online questionnaires via Google Form to the public. The test tool used was SPSS with analysis stages, namely validity test, reliability test, classical assumption test, multiple linear regression, t-test, f-test, dominant factor, and coefficient of determination (R2). The results of this study indicate that perceived ease of use, security, and trust have a partial effect on interest in use. Perception of ease of use, security, and trust have a simultaneous effect on interest in use of the OVO e-wallet application.  

This study examines the investment preferences of Generation Z, specifically their inclination toward gold investment. The research is based on secondary data obtained through literature studies focusing on Gen Z's investment behavior. The findings indicate that Gen Z tends to favor gold as an investment option due to several compelling reasons. One of the main motivations is the potential for profit, as gold is considered not only a stable asset but also one that offers promising long-term returns. In addition, gold is perceived as a safe investment amid economic uncertainty. Other influencing factors include: (1) security and stability, (2) ease of access and purchase through digital platforms, (3) long-term investment potential, (4) diversification of investment portfolios, (5) historical value and its role as a symbol of security, (6) easy and flexible transactions, and (7) protection against inflation. These factors highlight the strategic thinking of Gen Z investors who seek both financial security and growth through alternative investment instruments such as gold.

This study aims to test the influence of Perceived Ease and Perceived Security on the Decision of OVO E-Wallet Users. The data collection method uses a survey with an instrument in the form of a questionnaire distributed online. The population used is Active Students of Jakarta State University (D3, D4, S1) with the criteria of Domiciled in Jabodetabek; aged 18 years and over; and have used the OVO E-wallet service as a payment transaction method in the last 2 weeks. This study involved 100 respondents, and the data was analyzed using SPSS Version 29 to manage data and analyze the results of the study using multiple linear regression equations. The results of the study indicate that 1) perceived ease has a positive and significant effect on user decisions, 2) perceived security has a positive and significant effect on user decisions, 3) perceived ease and perceived security simultaneously influence user decisions.

The development of technology has brought many changes, especially in the field of digital technology. One of the innovations of this development is Financial Technology or fintech. Fintech introduced electronic wallets or e-wallets, for example Flip. By using trust as an intervening variable, this study attempts to investigate the influence of perceptions of ease, benefits, and security on the interest in using Flip e-wallets in Kota Bekas. This study provides respondents with an online questionnaire to generate primary data for further analysis. Respondents were selected from a non-probability sampling method with a purposive sampling technique, resulting in 175 respondents with 35 statements. The research findings show that perceptions of ease, benefits, and security influence the interest of Kota Bekas residents in using Flip e-wallets. In addition, the level of trust in Flip e-wallets in Kota Bekas is also influenced by these three factors. Trust acts as an intervening variable to moderate the impact of views of ease of use, benefits, and security on the interest in using Flip e-wallets, where the findings prove that trust influences people's desire to use Flip e-wallets in Kota Bekasi.

This research aimed to analyze the effect of perceived usefulness, perceived ease of use, perceived trust, and perceived risk on the use of mobile payments by Telkom University students. The use of mobile payments is a method that can be used as an alternative to cash, checks, credit cards, and debit cards and can create new opportunities for payment methods. The population in this study was all Telkom University students. The sampling technique used is the probability sampling technique. The sample used was 282 respondents. Data was obtained through the distribution of questionnaires through Google Forms. The analytical method uses multiple linear regression analysis using SPSS version 26 software. The results show that perceived usefulness, perceived ease of use, perceived trust, and perceived risk have a positive effect on the use of mobile payments. The results of this study are expected to provide an overview for digital payment service providers to improve service quality in using mobile payments so that they can maintain user consistency, increase security so the user trust does not decrease, and pay attention to risks that may occurarticle.

This research aims to understand the factors influencing demand for tax e-filing. Population as the object of the research is individual taxpayers in the city of Pati. Respondents taken for research through the 318 individual taxpayers. Technique data collection in this research using a questionnaire. The Statistical Package for the Social Science (SPSS) version 26 is used to assist the process of data analysis in this research. The conclusion of this research is that security and privacy has no effect on the use of e-filing, perceived satisfaction has a positive and significant effect on the use of e-filing, experience has a positive and significant effect on the use of e-filing, and knowledge has a positive and significant effect on the use of e-filing.

This study aims to determine the Analysis of the Effect of Customer Trust on the Decision to Use Mobile Banking Through Perceived Risk as an Intervening Variable (Case Study on Mobile Banking Application Users at UIN North Sumatra Students). This study uses a quantitative approach. In this study, a questionnaire was used to collect data, and 100 students at UIN Sumatra Utara were selected as a sample using a purposive sampling method. Data analysis in this research is quantitative data analysis. Statistical tests known as the T-test, F-test, and the coefficient of determination R2 are all components of this analysis, as are the path analysis tests. Based on the research analysis, it can be concluded that customer trust has a positive and significant effect on perceived risk, customer trust has a positive and significant effect on the decision to use, perceived risk has a positive and significant effect on the decision to use, customer trust has a positive and significant effect on the decision to use through perceived risk as intervening variable. This means that a high perceived risk in accordance with customer trust will lead to a high decision to use the mobile banking application. This result is important for Islamic banking to minimize the risks that will be felt. Through breakthroughs to improve the security of the mobile banking system, thereby maintaining customer trust which will have an impact on the decision to use mobile banking services.

Given the wage disparity and perceived injustice experienced by both permanent and contract workers, it is necessary to conduct a study on legal protection regarding wages for the well-being of laborers. Therefore, this research aims to examine the role of labor protection policies, including social security for workers, fair wages, and the protection of labor rights, in promoting labor welfare. This study utilizes a qualitative method, which involves describing data and organizing it into various sentences. Additionally, a descriptive method is employed, where data is derived from words, sentences, images, and information from various books, journals, and other scholarly works that serve as references for labor protection and worker well-being. The findings of the discussion indicate that labor protection in the form of social security, fair wages, and labor rights plays a significant role in improving labor welfare.

This study aims to determine the effect of financial risk, security risk, time and convenience risk and psychological risk on consumer decision behavior to buy online. Questionnaires were distributed to 100 respondents who had purchased online at least twice in the last 3 months. The data analysis technique used is multiple linear regression analysis. The research found that risk is positively related to online consumer buying behavior. Risk or perceived by consumers is an important factor for online purchases. Security risk and financial risk must be low in order to get high and positive online buying behavior from online buying consumers. The smaller the risk the greater the purchase of online purchases. Risk Time and convenience show a positive relationship. The smaller the time risk and the perceived convenience, the greater the consumer's interest in making online purchases. Psychological risk shows a positive relationship to online purchases and shows that the role of the internet is getting bigger

The Gojek Mobile application is one application that is widely used by the wider community. In recent years, Gojek has developed very rapidly and is able to beat conventional transportation modes because it is more practical and has many service features offered by the applicator. This study aims to analyze and determine the extent to which the ease of use, information quality, security quality and technical & functional quality of the Gojek application are perceived as useful for users and have implications for user satisfaction and loyalty. The approach used in this study is included in the type of explanatory research, namely research whose explanation uses hypothesis testing in which the causal relationship between variables is explained. The respondents of this study were 100 students from various universities in the city of Semarang. The data collection technique in this study used a questionnaire instrument where the variables were measured using a five-scale Likert scale, where the data was processed using SmartPLS 3.0. From the model test, the test results show that of the 7 hypotheses, five hypotheses are accepted because they have a significant effect and two are rejected because they are not significant, the data is said to be significant if it has t < 0.05. customer satisfaction variable has a significant effect on loyalty variable with P Values ​​= 0.000, information quality variable also has a significant effect on perceived usefullness variable with P values ​​= 0.001, perceived easy of use variable affects customer satisfaction variable with P Values ​​= 0.000 , the perceived easy of use variable has an effect on the perceived usefullness variable with P Values ​​= 0.009, the perceived usefullness variable affects the Customer satisfaction variable with the P Values ​​= 0.023, the security quality variable has no effect on the perceived usefullness variable with the P Values ​​= 0.085, the technical variable & functional quality has no effect on the perceived usefullness variable with P Values ​​= 0.813.