Abstract:Digital technologies are changing rapidly, and this has changed the financial services industry, especially how people decide where to invest their money. This study looks at how digital literacy, financial literacy, and…
fear of missing out (FOMO) affect how much risk young investors are willing to take when investing with information disclosure as a mediating variable. The research data is taken from 447 investors of Gen Y and Z in West Java and used Partial Least Squares-Structural Equation Modeling (PLSSEM). The results show that being financially literate makes people more likely to search for financial information, but it also makes them less willing to take risks when investing. This suggests that people who know a lot about money are more careful when they invest. On the other hand, FOMO has a positive effect on both information searching and risk tolerance, showing how emotions can affect people online. Digital literacy helps people be more willing to take risks, but it does not have a big effect on how much information they search. These results show how important cognitive and emotional factors are in determining how people act when it comes to IT-driven finances. The study helps with responsible digital transformation by showing how important it is for individuals to be ready to navigate fintech ecosystems. It also gives regulators, platform providers, and educators ideas on how to promote more informed and resilient investment practices.
Abstract:This study analyzes the influence of brand experience, application ease of use, and perceived quality on customer satisfaction and its impact on customer loyalty in the PIJAR Sekolah application. The research focuses on…
users from public junior high schools, vocational high schools, and senior high schools in West Bandung Regency. A quantitative method was employed using a survey distributed to students and educators. The data were analyzed using Structural Equation Modeling (SEM). Results show that brand experience, ease of use, and perceived quality significantly influence customer satisfaction. Furthermore, customer satisfaction plays a critical role in driving customer loyalty. The study emphasizes the importance of enhancing user interaction, simplifying application navigation, and ensuring content quality to boost satisfaction and long-term usage. These findings offer insights for educational technology developers to improve digital learning platforms and foster user loyalty through an optimized experience.
Abstract:This study explores the integration of Artificial Intelligence (AI) in the development of the heritage tourism destination Taman Sari Yogyakarta. As a cultural site with rich historical and architectural values, Taman Sari…
ri has great potential to become a leading historical tourism destination through the application of modern digital technologies. This research is highly relevant in the context of the Society 5.0 era, where digital transformation and multi-stakeholder collaboration through the pentahelix model (government, academia, business sector, community, and media) are key approaches in sustainable tourism governance. The objectives of this research are: (1) to identify the potential of AI application in enhancing the attractiveness of Taman Sari as a heritage tourism site, (2) to analyze the role of local communities in the digital transformation of the destination, and (3) to formulate a structured collaborative strategy for the development of AI based heritage destinations. The research employs a qualitative method using data collection techniques including observation, in-depth interviews, and documentation. Informants included representatives from government, local communities, academia, tourism businesses, and tourists. Thematic analysis was used to interpret the data and identify patterns and meanings related to stakeholder participation and partnership.
The findings indicate that AI can serve as a tool for cultural preservation and enhancement of tourist experiences, through features such as historical chatbots and augmented reality. However, challenges remain, including limited infrastructure, low digital literacy among local communities, and weak inter-stakeholder collaboration. The study also finds that local communities have the potential to act as agents of digital literacy if actively involved in training programs and AI-based tourism management.
The research concludes that developing heritage tourism destinations like Taman Sari requires strong synergy among stakeholders through the formation of inclusive digital collaboration forums. AI technology can be a valuable medium for cultural preservation when implemented in a contextual, participatory, and sustainable manner.
Abstract:This study aims to analyze the role of Personal Innovativeness in influencing the actual use of the MyTelkomsel application through an extended Technology Acceptance Model (TAM). In this model, Personal Innovativeness is…
positioned as a core construct that influences three key user perceptions: Perceived Ease of Use, Perceived Usefulness, and Perceived Enjoyment. A total of 355 respondents participated in the study, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that seven out of eight hypothesized paths between constructs in the model demonstrate statistically significant effects. The only non-significant relationship is found between Perceived Ease of Use and Attitude Toward Use, suggesting that ease of use is no longer a major determinant of user attitudes toward digital applications, possibly because it is now perceived as a basic standard in technology usage. Conversely, Personal Innovativeness consistently exerts a significant influence on all three key perceptions, which in turn affect users’ attitudes, intentions, and actual behaviors. These results underscore the strategic role of innovative personal characteristics in driving adoption and active engagement with digital applications. The practical implications highlight the importance of user segmentation based on innovation levels, the development of enjoyable features, and the refinement of user experience to promote sustained engagement within digital ecosystems such as MyTelkomsel.
Abstract:The purpose of this study is to ascertain how well SMP Kota Cirebon's speaking abilities may be enhanced by the ARKA approach. Quantitative research using a survey design is the methodology employed. Surveys and closed tests…
ests measuring the six aspects of speaking ability—pronunciation, grammar, vocabulary, fluency, understanding, and tasks—were used to gather data. SPSS version 25 was used for data analysis. The findings show that SMP Kota Cirebon's speaking ability had been significantly affected by the ARKA approach. This is demonstrated by the coefficient of determination (R Square) value of 0.636, which indicates that the ARKA approach accounts for 63.6% of the diversity in students' speaking ability. In addition, the multiple linear regression model is statistically significant (Sig. = 0.000 < 0.05), according to the ANOVA test findings. According to the study's findings, junior high school students' speaking abilities can be enhanced by the ARKA technique, which is also a creative and relaxing alternative teaching strategy.
Abstract:This study aims to analyze the influence of religiosity and academic resilience on decreasing the level of academic anxiety of students of the Master of Islamic Education Program at the Sultan Syarif Kasim State Islamic…
University, Riau. Academic anxiety is a common psychological challenge experienced by postgraduate students. Religiosity and academic resilience are seen as protective factors that can help students manage academic stress in a healthier way. This study uses a quantitative method with data collection techniques in the form of questionnaires and documentation. The research sample consisted of 41 students from three semesters selected through purposive sampling. Data analysis was carried out using the independent sample t-test using SPSS version 25. The results showed that religiosity had a significant effect on academic anxiety with a significance value of 0.029, while academic resilience showed a stronger effect with a significance value of 0.000. Because the significance results of both variables are less than 0.05, the higher the religiosity and academic resilience of students, the lower their level of academic anxiety. This finding confirms that the integration of the values of religiosity and resilience is very important in supporting students' mental resilience. Strengthening religiosity and fostering academic resilience can be effective strategies to reduce academic anxiety in postgraduate higher education.
Abstract:This study aims to determine the influence of smart tourism features in a mobile application on tourists’ decision to visit Pura Mangkunegaran Surakarta. Using a quantitative approach, the research tested four main smart…
rt tourism features: (1) Historical Information, (2) Cultural Gallery, (3) Cultural Events and News, and (4) Educational and Interactive Features. The study used a multiple linear regression method with data collected from 96 domestic respondents. The results show that all four smart tourism features simultaneously and partially have a significant effect on the decision to visit. The most influential features are Historical Information and Educational-Interactive content. These results emphasize the importance of digital platforms in promoting and preserving cultural tourism through smart technologies.
Abstract:Shopee, as one of the e-commerce establishments established in 2015 and part of the Sea Group in Southeast Asia, has succeeded in creating a safe, user-friendly and fast online shopping platform. With strong operations in…
n seven markets in Southeast Asia, Shopee not only provides a platform for buyers to find products, but also provides training and support to their sellers. The rapid growth of e-commerce in Indonesia is also influenced by factors such as the increase in population, increasing smartphone and internet users, and the development of financial technology companies. The convenience of online shopping encourages consumers to buy various desired products so that they are encouraged to behave consumptively. This then stimulates the phenomenon of impulse buying in consumers. Currently, economic activities are dominated by Generation Z's behavior to carry out activities such as scrolling, online shopping, and making transactions. Some marketplaces have not paid attention to the positive emotions of consumers with the Generation Z group in the target market, hedonic shopping motivation, fear of missing out, and shopping lifestyle that can trigger impulsive purchases which are part of the consideration of the preparation and strategy of innovative marketing targets according to the needs of market psychology. This study aims to find out how much respondents assess hedonic shopping motivation, fear of missing out, and shopping lifestyle, find out the influence of hedonic shopping motivation, fear of missing out, and shopping lifestyle on impulse buying generation Z, find out the influence of positive emotions on impulse buying generation Z, to know the influence of hedonic shopping motivation, fear of missing out and shopping lifestyle on impulse buying through positive emotions. This study uses a quantitative method. The sampling technique uses purposive sampling. The data obtained was 385 respondents by distributing questionnaires online. The respondents in this study are Generation Z Shopee users in Indonesia. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS) which was then processed with SMARTPLS. The results of this study are hedonic shopping motivation, fear of missing out, shopping lifestyle, positive emotion have a significant positive effect on impulse buying.
Abstract:Congenital hypothyroidism (CH) is an endocrine disorder that can cause developmental delays if not detected and treated early. Congenital Hypothyroidism Screening (CHS) aims to detect abnormal levels of Thyroid Stimulating…
ng Hormone (TSH) in newborns before clinical symptoms appear. The timing of blood sample collection is a critical factor because TSH levels physiologically surge within the first 24 hours of life. This study aims to determine the accuracy of TSH sampling time in CH screening at Prima Medika General Hospital, Denpasar. A descriptive analytical method was used with a total sampling technique involving 105 neonates who underwent CHS from October to December 2024. Secondary data were obtained from laboratory request forms and the Laboratory Information System (LIS). Results showed that 92.4% of samples were collected on the second day of life, which aligns with the ideal window of 48–72 hours, and only 1.9% of neonates had elevated TSH levels. The study concludes that most sample collections met the recommended timing, contributing to valid results and effective CHS implementation. Timely sampling plays a vital role in early CH detection and reflects the overall quality of neonatal laboratory services.
Abstract:This research investigates the impact of AI literacy on leadership effectiveness within the finance industry, a sector experiencing rapid digital transformation. As artificial intelligence becomes increasingly integrated…
into financial operations, leaders are required to possess not only traditional managerial skills but also a strong understanding of AI concepts, applications, and ethical considerations. Using a quantitative approach, data were collected from 55 finance professionals occupying leadership roles across various organizations. The study assessed their levels of AI literacy and examined its relationship with their perceived leadership effectiveness. The results reveal a significant positive correlation between AI literacy and leadership effectiveness, indicating that leaders with higher AI literacy are better equipped to drive innovation, make strategic decisions, and successfully adapt to technological change. These findings highlight the importance of integrating AI literacy into leadership development programs and fostering a culture of continuous learning to ensure sustained organizational agility and competitiveness in the finance sector.