This study aims to analyze the effect of Assistance Services and Transaction Security on User Emotional Experience, with Customer Satisfaction as a mediating variable in the context of using a digital wallet (e-wallet). This study uses a quantitative approach with a causal-comparative method. Data collection was carried out by distributing online questionnaires using Google Form to 150 respondents who are active e-wallet users. The research model consists of four latent variables, each of which is measured by three reflective indicators. The data analysis technique uses the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with the help of SmartPLS software, and is supported by descriptive analysis using SPSS. Validity and reliability tests are carried out through outer loading tests, Average Variance Extracted (AVE), Cronbach's Alpha, and Composite Reliability. Hypothesis testing is carried out by considering the path coefficient, t-statistic, and p-value values. The results of the study indicate that Assistance Services and Transaction Security have a significant effect on Customer Satisfaction. Assistance Services also have a direct effect on Emotional Experience, while Transaction Security does not have a direct effect on this variable. Customer Satisfaction has a significant effect on Emotional Experience, and is proven to be a significant mediator in the relationship between Assistance Service and Transaction Security on Emotional Experience.

This study explores the complex dynamics of online consumer behavior in Indonesia's online marketplaces, particularly focusing on how hedonic and utilitarian browsing, alongside electronic word-of-mouth (eWOM), impact e-satisfaction and e-loyalty. Grounded in theoretical frameworks like the Technology Acceptance Model (TAM), Expectancy-Disconfirmation Model (EDM), and Social Influence Theory (SIT), the research investigates the varying behaviors across different age groups—Millennials, Generation X, and Baby Boomers. Using a quantitative approach, data was collected via online surveys targeting active marketplace users. The findings reveal distinct generational responses: Millennials and Generation X exhibit stronger associations between browsing behaviors and positive electronic outcomes, such as e-satisfaction, eWOM, and e-loyalty, compared to Baby Boomers. The study underscores the role of marketing communications in fostering positive consumer experiences, highlighting that tailored, segment-specific strategies are essential for improving brand loyalty. Millennials are more influenced by personalized and engaging content, while Generation X values practicality and reliability, and Baby Boomers prioritize trust and customer service. This research provides empirical insights into how businesses can leverage marketing communications to enhance consumer satisfaction and loyalty. The study also offers practical recommendations for businesses to optimize their strategies in Indonesia’s competitive online marketplace by addressing the unique preferences of different generational cohorts. Future research should investigate additional factors influencing consumer behavior and evaluate the long-term effectiveness of segment-specific marketing approaches.

This study aims to determine, test, and analyze the effect of the current ratio, cash ratio, debt to asset ratio, debt to equity ratio, return on assets, and return on equity on stock prices with dividend policy as an intervening variable. The case study in this study is a metal mining sector company listed on the Indonesia Stock Exchange (IDX) for the period 2015 – 2020. This study is quantitative with data analysis techniques used as descriptive analysis using financial ratio analysis. Collection by collecting financial reports on the website www.IDX.co.id in 2015-2020. The population in this study consisted of 11 sub-sector companies. The research sample was five companies, and the sampling technique used purposive sampling. The data analysis method used in this research is using SmartPLS version 3.0. The results show that the current and cash ratios are unrelated to dividend policy. Debt to asset and debt to equity ratios are unrelated to dividend policy. Return on assets and return on equity are also not significant to dividend policy. The current ratio and cash ratio have a significant effect on stock prices. Debt to asset ratio and debt to equity ratio significantly affect stock prices. Return on assets and return on equity have a significant effect on dividend policy. And dividend policy has a significant effect on stock prices, so that dividend policy can be an intervening variable on stock prices in metal mining sector companies listed on the Indonesian Stock Exchange (IDX) for the 2015-2020 period.

Indonesia has entered the era of globalization where increased as well as economic growth in countriesaround the world, including indonesia provide impact on behavioral finance indonesian society in. meettheir needsMany individuals who spend money to hal-hal milenial that would be no essential but it can raisemore money from time to time, let alone use the money to invest.This report is in order to test and analyzethe influence of variable, financial literacy , lifestyle revenues over behavioral finance with the productprice as variable no intervening to a mere company pt kobexindo tractors tbk recorded for years 2020-2021.The population in this research are employees of the company pt kobexindo tractors tbk.Obtained thenumber of samples from 790 employees, Then that would meet characteristic samples have been made on anotation big formula and a margin of error set 10 %, so that the total sample 89. Employees Analysistechniques used are a model of measurement and structural model.Statistical methods used in this researchwhich is structural equation modeling (SEM) operated through a program smartpls.The conclusion ofresearch results show that: (1) financial literacy significant positive on behavioral finance, (2) lifestylesignificant positive on behavioral finance, (3) income significant positive on behavioral finance, (4)financial literacy significant positive on the product price, (5) lifestyle no significant positive on the productprice, (6) income significant positive on the product price, (7) the product price significant positive onbehavioral finance.