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All Journal STI Policy and Management Journal Balance: Jurnal Akuntansi, Auditing, dan Keuangan Global Review of Tourism and Social Sciences
Sitti Mujahida Baharuddin
STIE AMKOP Makassar
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Revisiting the Stimulus, Organism, Response Model in AI-Driven Tourism: A Multi-Path Analysis of Personalization, Perception, and Privacy Arnas Hasanuddin; Achmad Ansari Hasanuddin; Askari Hasanuddin; Sitti Mujahida Baharuddin
STI Policy and Management Journal Vol 10, No 2 (2025): STI Policy and Management
Publisher : National Research and Innovation Agency, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14203/STIPM.2025.428

Abstract

This study revisits the Stimulus, Organism, Response (S-O-R) model to examine the psychological mechanisms underlying tourists’ responses to AI-based personalization on digital tourism platforms. Drawing on a sample of 360 Indonesian respondents collected via online survey, the research investigates how AI-driven personalization influences three organismic states perceived value, trust, and privacy concern and how these states affect tourists’ behavioral intentions. Using partial least squares structural equation modeling (PLS-SEM), the results reveal that personalization significantly enhances perceived value and trust, while also reducing privacy concern. Each of these organismic responses, in turn, significantly shapes behavioral intention, confirming the relevance of the extended S-O-R framework in the AI tourism context. Theoretically, the study contributes to tourism literature by integrating both positive and negative psychological reactions into a unified explanatory model, highlighting personalization’s dual role as both functional and ethical stimulus. Practically, the findings offer insights for tourism platforms to design AI services that are not only adaptive and efficient but also transparent and trust-enhancing. Limitations include the study’s cross-sectional design and geographic concentration, pointing to future research directions involving longitudinal analysis, cross-cultural comparisons, and exploration of moderating variables such as digital literacy and cultural norms.
Digital Payment Infrastructure and Household Consumption Growth: Evidence from QRIS and BI FAST in Indonesia Faridah; Herminawaty Abubakar; Thanwain; Sitti Mujahida Baharuddin
Global Review of Tourism and Social Sciences Vol. 2 No. 3 (2026): Global Review of Tourism and Social Sciences
Publisher : Yayasan Ghalih Pelopor Pendidikan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53893/grtss.v2i3.521

Abstract

This study examines whether the expansion of digital payment infrastructure stimulates household consumption growth in Indonesia. Using a balanced provincial panel covering 2019 to 2024, it estimates the effects of QRIS merchant density and BI FAST exposure on real household consumption per capita through a fixed effects model that controls for regional heterogeneity, macroeconomic shocks, internet penetration, financial depth, economic structure, urbanisation, inflation, and population. The results indicate that greater QRIS merchant density significantly increases household consumption, with stronger effects in provinces characterised by higher informal employment and service sector activity. BI FAST further strengthens consumption growth in regions with greater initial banking access, suggesting that faster and lower cost interbank transfers improve liquidity circulation. These findings demonstrate that payment system modernisation promotes domestic demand in addition to advancing financial inclusion. The study provides new subnational evidence that investments in interoperable digital payment infrastructure can support household consumption, MSME development, and broader macroeconomic policy objectives.
THE EFFECTS OF DIGITAL TRANSFORMATION, ESG DISCLOSURE, AND CORPORATE GOVERNANCE ON CORPORATE FINANCIAL DISTRESS THROUGH OPERATIONAL RISK AND FINANCING CONSTRAINTS Faridah; Sitti Mujahida Baharuddin; Herminawaty; Nurhidayanti s; Thanwain; Muhammad Azizurrohman
BALANCE: Jurnal Akuntansi, Auditing dan Keuangan Vol. 23 No. 1 (2026): BALANCE: Jurnal Akuntansi, Auditing dan Keuangan
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/balance.v23i1.7837

Abstract

This study examines the effects of digital transformation, ESG disclosure, and corporate governance on corporate financial distress, with a focus on the mediating roles of operational risk and financing constraints. Using panel data from non-financial firms listed on the Indonesia Stock Exchange over the period 2018 to 2024, the study applies fixed effects regression and bootstrap mediation analysis to test the proposed relationships. The results show that ESG disclosure and corporate governance significantly reduce financial distress, while digital transformation exhibits a positive direct effect, reflecting transitional costs and complexity during early adoption stages. However, the mediation analysis reveals that digital transformation, ESG disclosure, and corporate governance indirectly improve financial stability by reducing operational risk and financing constraints. Both mediating variables are found to be significant determinants of financial distress, confirming the importance of internal risk conditions and access to external financing. The findings support a dual-channel framework, demonstrating that financial distress is shaped not only by firm characteristics but also by underlying transmission mechanisms. This study contributes to the literature by integrating multiple theoretical perspectives and providing evidence from an emerging market context. The results offer practical implications for firms and policymakers in enhancing financial resilience through improved governance, transparency, and digital capability.
Co-Authors Achmad Ansari Hasanuddin Arnas Hasanuddin Askari Hasanuddin Azizurrohman, Muhammad Faridah Faridah Herminawaty Herminawaty Abubakar Nurhidayanti S Thanwain Thanwain