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All Journal GLOBAL: Jurnal Lentera BITEP Optimal: Jurnal Ekonomi dan Manajemen
Lativah Apriani Amanda
Universitas Pelita Bangsa
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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E-Wallet Usage Behavior, Perceived Security, dan Trust in Fintec: Studi Empiris pada Masyarakat Kota Bekasi Lativah Apriani Amanda; Dini Awalia
GLOBAL: Jurnal Lentera BITEP Vol. 4 No. 01 (2026): Februari 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/global.v4i01.1172

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh perceived security dan trust in fintech terhadap e-wallet usage behavior pada masyarakat Kota Bekasi. Pesatnya perkembangan layanan e-wallet di Indonesia belum sepenuhnya diikuti oleh perilaku penggunaan yang konsisten, sehingga diperlukan pemahaman mengenai faktor-faktor yang memengaruhi penggunaan aktual e-wallet. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data primer dikumpulkan melalui kuesioner berbasis skala Likert dari 110 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan dengan metode Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS-SEM) menggunakan software SmartPLS 3.0. Hasil penelitian menunjukkan bahwa perceived security berpengaruh positif dan signifikan terhadap e-wallet usage behavior, serta trust in fintech juga berpengaruh positif dan signifikan terhadap e-wallet usage behavior. Nilai R Square sebesar 0,517 menunjukkan bahwa kedua variabel independen mampu menjelaskan 51,7% variasi perilaku penggunaan e-wallet. Temuan ini menegaskan bahwa keamanan yang dirasakan dan kepercayaan terhadap penyedia fintech merupakan faktor penting dalam mendorong penggunaan e-wallet secara berkelanjutan.
Strategi Manajerial dalam Meningkatkan Daya Saing UMKM Sate Maranggi di Era Digital Lativah Apriani Amanda; Edwin Najib Hidayat; Achmad Rasyid
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 3 (2025): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i3.7531

Abstract

Sate Maranggi MSMEs, as part of the traditional culinary sector, face significant challenges in maintaining their competitiveness in the digital era, marked by rapid technological advancements and shifting consumer behavior. This study aims to formulate effective managerial strategies to enhance the competitiveness of Sate Maranggi MSMEs amidst digital business transformation. The research adopts a qualitative descriptive approach with the population consisting of Sate Maranggi business actors in the Cikarang regio. Samples were selected using purposive sampling with criteria including businesses operating for at least three years. Data were collected through in-depth interviews, observations, and documentation. The data analysis technique employed SWOT analysis to formulate appropriate managerial strategies. The results indicate that utilizing social media, applying digital marketing, and innovating customer service are key strategies for improving competitiveness. The novelty of this research lies in integrating traditional managerial strategies with adaptive use of digital platforms in local MSMEs. The implication of this study is to provide a strategic reference for culinary MSME actors in developing adaptive measures in the digital transformation era, as well as contributing to regional government policy development in digitally empowered MSME programs.
Co-Authors Achmad Rasyid Dini Awalia Edwin Najib Hidayat