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This study examines the factors influencing consumer interest in using the Emaal application at Basmalah Supermarket, Ngempit branch. The research employs a descriptive qualitative approach, involving interviews with active users of the Emaal application. The findings reveal that key drivers include perceived usefulness, ease of use, transaction convenience, and transaction security. Consumers value features such as cashless payments, loyalty rewards, and the ability to track transaction histories. However, barriers such as limited consumer awareness, slow application response times, and competition with conventional payment methods also impact adoption. The study underscores the need for strategic marketing, consumer education, and technological optimization to enhance user adoption rates. These insights provide practical guidance for Basmalah in tailoring its digital marketing strategies to the needs of the Ngempit demographic.

This journal analyzes Russia's security strategy in facing the challenges posed by NATO and Ukraine through the perspective of offensive realism. The main focus of the study is Russia's latest military modernization program in response to the perceived threat of NATO expansion and the ongoing conflict in Ukraine. One of Russia's main concerns is NATO's eastward expansion, which has sparked fears even though Ukraine has not yet joined NATO. Using the theoretical framework of offensive realism, the journal explores how Russia seeks to maximize its relative power in the region and maintain its influence in the former Soviet states. This analysis shows that Russia's security strategy is based on the perception of an existential threat from the West and the desire to restore its status as a great power on the global stage.

Payment system developments brought about by technological advancements to date have resulted in a variety of cashless transactions, including card-based and application-based (server) electronic money. Bank Indonesia launched QRIS (Quick Response Code Indonesian Standard), an application-based non-cash payment system that addresses community demands. Finding out how perceived ease of use and security affect QRIS usage decisions in the Lampung Province Community is the goal of this study. This study is quantitative and employs a survey approach, distributing a questionnaire to 140 Lampung Province residents who have used QRIS to make payments. The study's findings suggest that decisions about usage are significantly influenced by perceivedease of use and security in transactions.

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 study explores the significant role of digital trust and transparency in fostering customer loyalty in online banking services. As the financial sector increasingly shifts towards digital platforms, understanding the dynamics of customer retention becomes crucial for banking institutions. The research adopts a quantitative approach, using a survey questionnaire distributed to over 200 participants with experience in digital banking services. The findings reveal that both digital trust and transparency are pivotal in shaping customer loyalty. Specifically, digital transparency-in areas such as data security, privacy, and operational clarity-was found to have a stronger correlation with customer retention than trust alone. The study emphasizes that transparency not only boosts customer confidence but also strengthens long-term loyalty by reducing perceived risks and uncertainties. Additionally, the research highlights that customer engagement, driven by transparent communication and reliable services, plays a significant role in mediating the relationship between transparency and loyalty. The study further discusses the implications for banking institutions, suggesting that focusing on transparent practices, clear communication about security measures, and data usage can lead to enhanced customer satisfaction and long-term retention. Future research could investigate the impact of cultural differences on digital trust and transparency in banking, as well as explore the role of emerging technologies like blockchain in furthering transparency and trust in financial transactions.

This study examines the quality of outpatient public services for BPJS Health patients at the Regional General Hospital of Dumai City. The purpose of this research is to assess how service quality is experienced by patients and how effectively outpatient services are delivered. A qualitative descriptive approach was used, with data collected through direct observation, in-depth interviews, and documentation. Informants included outpatient service staff and BPJS patients selected purposively to represent both service providers and service users. The analysis focuses on five dimensions of service quality: physical facilities, service reliability, responsiveness, assurance, and empathy. The results indicate that outpatient services are generally perceived as adequate, particularly in terms of physical facilities, diagnostic accuracy, and staff professionalism. However, delays in registration and service processes remain a major concern, mainly due to high patient volume and administrative procedures. In addition, differences in staff communication and interpersonal attitudes lead to variations in patient experiences. Overall, the study highlights the importance of improving service responsiveness and strengthening empathetic communication to enhance patient satisfaction and the effectiveness of public hospital outpatient services.