Financial education has not broadly translated into better financial behavior. The increase in financial behavior is influenced by an understanding of financial literacy obtained from community participation in various financial service/institutional service sectors. This study aims to examine the effect of financial literacy on the financial behavior of Credit Union (CU) members in Indonesia in realizing the 2021-2025 SNLKI strategic direction. This exploratory study uses convenience sampling taken from CU members in Indonesia. The reason for selecting respondents is the availability of very abundant data. Data collection in this study was obtained by distributing questionnaires via e-mail to members of credit unions in Kalimantan and Java. Questionnaires were randomly sent to Credit Union members over the age of 18. Data analysis used SurveyMonkey and data processing used the Microsoft Excel program which was sent to researchers. The results of the study found a positive relationship between financial literacy and financial behavior.

Marketing information systems are not new, their scale, scope and functionality have grown due to the substantial growth of new technologies such as the internet, mobile devices and social media. Communication in digital marketing requires interaction between consumers and brands so that the need for product campaigns and communication can run more efficiently. Intense interactions through online channels allow brands to reach a wider audience. This study aims to examine the impact of implementing a Marketing Information System (SIP) by the marketing department in managing marketing business processes in multinational companies in Indonesia. The subject of this research involves 3 large companies in Indonesia that have succeeded in implementing the Cloud Marketing platform in their marketing business processes. Structured interviews and distribution of questionnaires via e-mail were conducted to collect data that was analyzed with the Leximancer 4.5 platform which supports finding relationships between words in text analysis. The results of the analysis found relevant relationships related to the analysis of benefits and quality of services, information and systems.

In the era of the Covid-19 pandemic, the marketplace platform by the nation's children dominates the online shopping market in Indonesia. Tokopedia, Shopee, Bukalapak, Lazada, and Bibli are among the top five frequented online shopping sites in Indonesia. Data from Bank Indonesia recorded electronic trade transactions almost doubled in the midst of the Covid-19 pandemic, the use of electronic money is also predicted to rise by 32.3 percent to Rp 266 trillion. In addition, digital banking transactions are expected to grow by 19.1 percent. Based on these data, it can be concluded that online shopping behavior has become a new trend, lifestyle, and culture in the Covid-19 pandemic. The data from Bank Indonesia shows the phenomenon that online shopping and conducting digital banking transactions, on the one hand, is a solution to prevent the spread of Covid-19 while on the other hand, without us knowing, consumers will become "dark eyes" so that it becomes consumptive, excessive shopping, and buying goods / services beyond the limits of needs.