Technological developments and globalization encourage people to develop in the transaction process. Now, conventional technology is starting to be abandoned and switched to a digitalization system, thus strengthening the balance of trade on an international scale. As one of the global e-wallets, PayPal offers convenience in cross-border transactions, but there are not many studies that specifically evaluate the level of satisfaction of Indonesian users in the application of this service. This research focuses on analyzing the level of satisfaction of using PayPal in Indonesia in cross-border transactions and examining technology acceptance factors with the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) method. Data were collected through distributing questionnaires to active PayPal users in Indonesia and analyzed quantitatively using structural regression methods (SEM/PLS). The results showed that perceived ease of use, usefulness, and trust have a significant influence on user satisfaction. In addition, UTAUT 2 variables such as performance expectations, effort expectations, social influence, and hedonic value also contribute to forming positive perceptions of using PayPal. The findings are expected to contribute to the development of an international digital payment system that is more responsive to the needs of users in Indonesia.

The selection The selection process for prospective crew members is a crucial stage for the company, especially at PT. Timas Suplindo. However, it is often difficult to determine prospective crew members who are competent in their fields. The selection process for prospective crew members is considered ineffective because decision making still has to consider many aspects. The purpose of this study is to create a website-based application and make it easier for the company, especially Human Resource Development (HRD), to obtain competent crew members who meet the specified criteria. This method was chosen because the assessment process is transparent because each stage of assessment and weighting can be tracked and increases accountability in decision making.
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Bank syariah di Indonesia dimulai pada awal tahun 1990an, menyusul keputusan lokakarya MUI untuk mendirikan perbankan syariah di negara tersebut. Bank syariah pertama, Bank Muamalat Indonesia, mulai beroperasi pada tanggal 1 Mei 1992. Bank-bank ini melayani individu yang mencari layanan perbankan yang sesuai dengan prinsip-prinsip Islam, seperti melarang riba, kegiatan spekulatif, ambiguitas, dan memastikan transaksi yang adil, sambil mengedepankan etika dan halal. praktik bisnis. Penelitian ini menggunakan metode kuantitatif untuk mengetahui hubungan antar variabel seperti kualitas layanan, kepercayaan mahasiswa, lokasi bank, dan sikap terhadap bank syariah. Secara khusus mengkaji apakah mahasiswa Ekonomi Islam Universitas Sultan Ageng Tirtayasa Angkatan 2023 cenderung membuka rekening atau menabung di bank syariah dengan mempertimbangkan berbagai faktor yang mempengaruhinya. Besar sampel ditentukan dengan menggunakan rumus Slovin dengan tingkat kesalahan 5% sehingga diperoleh 84 responden dari 105 siswa. Data dikumpulkan melalui kuesioner yang disebarkan melalui kelompok kelas. Temuan ini menggarisbawahi bahwa bank memainkan peran penting selain menyimpan dan meminjamkan uang, namun juga memfasilitasi transaksi, produksi, dan konsumsi. Bank memastikan aliran dana yang stabil, mendukung aktivitas dan pertumbuhan ekonomi, sehingga memberikan peluang ekonomi yang lebih luas dan inklusif melalui akses terhadap layanan keuangan.
Kata Kunci: Bank Syariah