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This study analyzes the effectiveness of using BNI Bank’s QRIS in improving transaction convenience and efficiency at the canteen of Universitas 17 Agustus 1945 (UNTAG) Surabaya. The research was conducted by a team led by Ida Ayu Nuh Kartini, S.E., M.M., together with students of the Management Study Program, during November–December 2025. The rapid development of digital banking has encouraged the adoption of QRIS as a standardized non-cash payment system regulated by Bank Indonesia. This study aims to examine the level of QRIS BNI utilization, assess ease of use (application access and QR code scanning), and evaluate transaction efficiency, including time savings, queue reduction, and error minimization. A descriptive quantitative approach was employed using a survey method with a five-point Likert scale questionnaire distributed to 36 respondents consisting of students, lecturers, and administrative staff who had used QRIS at the canteen. Primary data were analyzed descriptively using averages and percentages, supported by relevant literature. The results show that QRIS is perceived as highly effective, with scores above 90% for ease of use (95%), transaction speed (92.78%), reduction of change-related issues (97.78%), support for digitalization (97.22%), and security (91.11%). The main limitation identified is dependence on internet connectivity (85%). Overall, respondents strongly support the full implementation of non-cash payment systems at the campus canteen.

This study aims to compare the effectiveness of QRIS with other cashless payment methods in driving the development of the digital economy in Indonesia. The background to this study stems from the increasing use of digital transactions and the strategic role of QRIS as a national standard for QR-based payments. Google Forms was used to disseminate the survey online and successfully collected 100 respondents who were users of cashless digital payment services. A purposive sampling technique was used to ensure that respondents had experience using QRIS and other digital payment methods. Data were examined using the SmartPLS 4 program using a Partial Least Squares Structural Equation Modeling (PLS-SEM) approach to test the relationships between variables. The results indicate that perceived ease of use, transaction security, and influence on digital behavior have a positive or significant influence on QRIS effectiveness. However, availability and accessibility variables did not have a significant effect. This finding indicates that QRIS effectiveness is more influenced by user experience and perceptions, rather than availability or ease of access. This research is expected to contribute to the development of strategies to increase digital payment adoption in Indonesia.

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 analyzes the partial and simultaneous influence of four factors—Publication (X_1), Access Convenience (X_2), Perceived Ease of Use (X_3), and Trust (X_4)—on the dependent variable, Intention to Use/Purchase (Y) Tiket.com for airline ticket purchases in Semarang City.1 Using an associative quantitative method, data were collected from 100 Tiket.com users (N=100) and analyzed via Multiple Linear Regression (SPSS 25.0).1 The analysis confirmed that all four independent variables positively and significantly influence the Intention to Use (all t_{hitung} > t_{tabel} 1.98498).1 The variable Perceived Ease of Use (X_3) was identified as the most dominant factor, showing the highest regression coefficient (\beta = 0.375), suggesting that the intuitive and effort-free experience of the application is the primary psychological driver for adoption among Semarang users.1, The overall model demonstrated a very strong explanatory capability, with an Adjusted R^2 of 0.792. This means 79.2\% of the variation in Intention to Use Tiket.com is jointly explained by these four variables, with 20.8\% attributed to factors outside the model.1 Managerial implications suggest prioritizing user experience design, clear information presentation, and maintaining transaction security to convert high interest into committed use.  

The development of digital technology has changed global business patterns, including in Indonesia, through the growth of e-commerce, social media, and online platforms. This change opens up great opportunities for students as the educated young generation to develop online businesses. This research aims to explore students' online business readiness from a digital mindset perspective through a phenomenological study approach among students in Malang. The research focuses on online business readiness, digital mindset, attitudes towards technology, and the contribution of entrepreneurship learning, which are analyzed using the Theory of Planned Behavior framework(Ajzen, 1991) and Entrepreneurial Mindset Theory. The research used qualitative methods with in-depth interviews with online business students. The results show that students have a basic understanding of digital business, especially in utilizing social media and marketplaces. A positive attitude towards technology has been formed, indicated by perceived benefits and ease of use. However, a gap emerges between technical skills and long-term strategic planning capabilities. Innovation and problem-solving tend to be reactive, simply following trends, while psychological resistance such as fear of fraud and data security remain barriers. This research confirms that online business readiness is not only determined by technical skills, but also by the strengthening of an adaptive, innovative digital mindset. This research confirms that online business readiness is not only determined by technical skills, but also by strengthening an adaptive, innovative, and resilient digital mindset.The novelty of this research is the integration of TPB and Entrepreneurial Mindset Theory to understand students' readiness to face digital business challenges.

The study try to explain the influence of perceived ease of use, perceived security, and social influence on consumer interest in adopting the QRIS as a digital payment method in Bandar Lampung. The rapid growth of digital transactions and the shift toward non-cash payments highlight the importance of understanding the factors that encourage consumer adoption of QRIS. A quantitative approach was employed, collecting primary data from 222 respondents through structured questionnaires distributed in various retail and public settings. The data were measured with Pearson correlation, and simple linear regression to measure the strength and significance of the variable’s relationships. The findings indicate that all three factors significantly influence consumer interest, with social influence showing the strongest effect, followed by perceived security and perceived ease of use. The results suggest that social norms, trust in transaction security, and ease of interaction with the system are critical in motivating consumers to adopt QRIS. These insights provide practical implications for service providers, policymakers, and merchants to enhance digital payment adoption by focusing on user-friendly designs, robust security measures, and strategies that leverage social influence to encourage broader usage.

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).

The Student Evaluation of Lecturers (EDOM) at the Faculty of Engineering, Universitas Dr. Soetomo has historically been conducted via Google Forms and processed manually, resulting in slow response times, repetitive recap procedures, and insufficiently documented reporting validity. This study aims to design, build, and evaluate a web-based EDOM system using the Prototype Model (MODEL PROTOTYPE) to improve data collection efficiency, recap accuracy, and the effectiveness of feedback for teaching quality assurance. The development method comprises requirements elicitation with the Quality Assurance Unit through a review of SPMI documents and brief interviews, architectural and interface design (Laravel, MVC pattern, and MySQL), staged prototyping, and rapid iterations based on stakeholder feedback until functional conformity is achieved. The resulting system provides authentication and role-based authorization (Admin, GPM, Lecturer, Student), odd/even period management, a question bank employing a Likert scale, anonymous questionnaire submission, score recap per lecturer and per category (pedagogical, professional, personal, social), dashboard visualizations, and report export to support governance needs. Functional evaluation was conducted through black-box testing on core scenarios (login, period scheduling, submission, recap, and export) and indicated conformance to specifications. User acceptance evaluation employed the Technology Acceptance Model (TAM) to examine perceived usefulness, perceived ease of use, attitude toward use, and behavioral intention; the results indicate positive acceptance and potential for operational adoption. Practically, the prototype approach accelerates requirement alignment, reduces the risk of mis-specification, and facilitates change control, while the Laravel-based implementation supports maintainability, role-based access security, and further feature development. The study is limited to a single faculty; future work may include SSO integration, audit trails, and longitudinal, cross-semester analytics for more comprehensive monitoring of lecturer performance.

This study explores the influence of live streaming mode on the purchase intention of tropical fruits among consumers in Henan, China, in the context of the rapid growth of e-commerce. Live streaming has emerged as a dynamic and interactive platform that enables real-time engagement between sellers and buyers, offering visual product demonstrations and instant feedback opportunities. The research focuses on three critical factors affecting purchase intention: perceived trust, perceived value, and perceived risk. A quantitative research design was employed, collecting data from 392 participants through structured questionnaires. The analysis indicates that interactive communication, transparent information sharing, and authentic presentations during live streaming significantly enhance perceived trust and perceived value. Higher perceived trust fosters a stronger sense of reliability toward sellers, while increased perceived value motivates consumers by highlighting product quality, freshness, and fair pricing. Furthermore, effective live streaming strategies can substantially reduce perceived risks related to product authenticity, quality uncertainty, and transaction security, creating a more favorable purchase environment. The results suggest that the integration of engaging storytelling, professional product showcasing, and active audience interaction serves as a catalyst for influencing consumer attitudes and behaviors toward purchasing tropical fruits. This study enriches the existing literature on live streaming commerce by highlighting its psychological and behavioral impacts on consumer decision-making. In practical terms, the findings offer actionable insights for marketers and fruit sellers, emphasizing the importance of building trust, delivering genuine product experiences, and minimizing risks to maximize purchase intentions. These strategies are particularly relevant for agricultural e-commerce in Henan, where live streaming can bridge the gap between rural producers and urban consumers. Overall, this research provides both theoretical contributions to the study of digital co sumer behavior and practical guidance for optimizing live streaming as a competitive marketing tool in the fresh produce industry.

Transparent, accountable, and efficient regional financial management is a key responsibility in ensuring good governance. One of the government’s efforts to realize this is through the implementation of an accounting information system known as the Regional Government Information System SIPD, which plays a critical role in planning, budgeting, and financial reporting within local governments. However, the success of SIPD implementation depends not only on the quality of the system itself, but also on the level of user acceptance and usage. This study aims to examine the influence of perceived usefulness, perceived ease of use, and trust on the acceptance of SIPD use at the Regional Financial and Asset Management Agency BPKAD of Karangasem Regency. The sample was determined using non-probability purposive sampling, with 36 employees who use SIPD as respondents. Data analysis was conducted using multiple linear regression analysis. The results indicate that perceived usefulness, perceived ease of use, and trust have a positive effect on SIPD acceptance. This suggests that when the system is perceived to improve performance, productivity, and effectiveness; simplify tasks; be easy to use, understand, and learn; enhance user skills; be trustworthy; and provide security and protection, user interest, satisfaction, and usage frequency will increase. Theoretically, this study supports the Technology Acceptance Model TAM in explaining the influence of perceived usefulness, perceived ease of use, and trust on SIPD acceptance. Practically, the findings can be used as input and evaluation material for further SIPD development.

Micro, Small, and Medium Enterprises (MSMEs) in Denpasar City have a strategic role in the regional economy, particularly through job creation and contributions to local income. Despite their potential, many MSMEs still encounter challenges in financial management, which can hinder their development and sustainability. The emergence of information technology offers solutions, including cloud-based accounting systems that provide convenience, efficiency, flexibility, and accessibility—features that are especially beneficial for small business actors. This study aims to explore the factors that influence MSMEs’ interest in adopting cloud accounting systems in Denpasar City. The research uses a quantitative method with a survey approach involving MSME actors who currently use or have the potential to use cloud accounting. The independent variables in this study include personal ability, perceived ease of use, perceived usefulness, and perceived data security risk, while the dependent variable is the interest in using cloud accounting systems. The data were analyzed using multiple linear regression to determine the effect of each factor on the dependent variable. The results show that personal ability, perceived ease of use, and perceived usefulness have a positive and significant influence on MSMEs’ interest in adopting cloud accounting systems. In contrast, perceived security risk has a negative and significant effect, indicating that concerns about data privacy and cyber threats may hinder the adoption of this technology. The findings of this study contribute to the understanding of technology acceptance among MSMEs and highlight the importance of strengthening digital competencies, improving user-friendly system design, and enhancing cybersecurity measures. These insights are expected to support government and developers in formulating appropriate strategies to accelerate digital transformation within the MSME sector, especially in the context of financial technology. The implementation of such strategies can improve business performance and competitiveness among MSMEs in Denpasar and beyond.

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.

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.

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.

This study aims to analyze the factors that influence the acceptance of Shopee e-commerce technology among students with an integrative approach between the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). External constructs such as perceived trust, perceived security, and innovativeness are also included to strengthen the model. This study uses a quantitative approach with a descriptive-verification design and Structural Equation Modeling (SEM) analysis technique. Data were collected through an online questionnaire answered by 135 active Shopee student users. The results of the analysis show that perceived ease of use has a significant effect on perceived usefulness and attitude toward usage, while perceived usefulness also has a significant effect on attitude and intention to use. Social factors such as subjective norms, as well as psychological factors such as trust and security have been shown to have a positive effect on usage intention. However, perceived behavioral control does not have a significant effect. This study provides a theoretical contribution to the modeling of digital technology adoption and has practical implications for e-commerce industry players in developing strategies based on student users.    

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 was conducted with the primary objective of examining in depth the influence of lesson venue on parents’ satisfaction in Laman Baru Village. The research focused on comparing two alternative locations that have been options for the community: conducting lessons in residents’ homes on a rotating basis and conducting lessons in the church. Each of these alternatives carries different characteristics in terms of comfort, symbolic meaning, as well as social and religious acceptance within the local community. The research method employed was a descriptive quantitative approach using questionnaires and field observations. Through this method, the researcher was able to obtain empirical data that reflected parents’ perceptions and real experiences regarding lesson venues. The collected data were then analyzed to determine the extent to which location affected satisfaction, comfort, sense of security, and parents’ involvement in supporting their children’s nonformal education activities. The findings revealed that the choice of venue significantly influenced parents’ attitudes and responses. Lessons conducted in residents’ homes were perceived as more inclusive, since they embodied a sense of togetherness and collective participation within the community. Furthermore, this venue was considered symbolically neutral, thus avoiding any impression of favoritism toward a particular religious group. It also opened wider opportunities for parents to be directly involved in supporting their children. On the other hand, lessons held in the church created resistance, particularly among non-Christian parents, who viewed the church as a less neutral venue laden with specific religious meaning. This condition potentially reduced the participation of certain community members and generated discomfort in a multicultural context. Therefore, these findings highlight the importance of considering social, economic, and religious sensitivities in determining the venue of nonformal education, so that the activities carried out can be broadly accepted and bring optimal benefits to the entire community.

The proliferation of network information algorithms (NIAs) in contemporary society has sparked significant ethical concerns regarding their societal impact. This study investigates the influence of NIAs on social interactions, decision-making processes, and the perpetuation of structural biases through a multidisciplinary perspective (Ananny, 2023). The findings reveal that while NIAs enhance operational efficiency across various domains, they also introduce ethical challenges, including privacy infringements, systemic inequities, and algorithmic opacity, which threaten social justice. Employing Ananny’s (2023) conceptual framework—which categorizes NIAs into three dimensions: encounters, observation, and probability/temporality—this research deconstructs the operational mechanisms of these algorithms. The analysis demonstrates that NIAs not only replicate historical biases but also engender new forms of discrimination through ostensibly neutral predictive processes. For example, algorithm-driven recruitment systems may perpetuate gender disparities if their training data reflects prior discriminatory practices (Crawford, 2021). This study underscores the inextricable link between technological ethics and societal context, arguing that an overreliance on algorithmic systems risks undermining human autonomy (Zuboff, 2019). The originality of this research lies in its integration of computational ethics theory with empirical case studies, such as the deployment of NIAs in mass surveillance, where privacy is often compromised in pursuit of perceived security. To ensure academic rigor, the arguments are developed through a critical comparison with prior research (e.g., Mittelstadt et al., 2016), while avoiding redundancy in phrasing or structure. Scholars such as Floridi (2019) emphasize the necessity of algorithmic transparency in regulatory frameworks. However, critics like Noble (2018) argue that technical solutions alone are inadequate; structural reforms in data governance and corporate accountability are essential to mitigate the misuse of NIAs. In response, this study proposes an ethical framework that not only addresses technical risk mitigation but also incorporates civic participation in algorithmic decision-making processes. The ethical implications of NIAs necessitate a holistic approach that integrates principles of data justice, independent algorithmic auditing, and public digital literacy. Future research should explore inclusive models of algorithmic governance, particularly in developing nations where regulatory frameworks often lag behind technological advancements. This study concludes with a reflective inquiry: How can algorithmic accountability be ensured if developers lack transparency regarding data sources and programming logic? By addressing these questions, this research contributes to the ongoing discourse on the ethical governance of NIAs and their societal implications.

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.