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All Journal Jurnal Ekonomi dan Bisnis Jagaditha Ekuitas: Jurnal Pendidikan Ekonomi Jurnal Bakti Saraswati JUTIK : Jurnal Teknologi Informasi dan Komputer Dharma Raflesia : Jurnal Ilmiah Pengembangan dan Penerapan IPTEKS Ekuitas Jurnal Pnedidikan Ekonomi TECHNOVATE KOMET
Ni Putu Eka Kherismawati
STMIK STIKOM Indonesia
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Public Health Social Sciences Other

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Journal : TECHNOVATE

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From Frictionless to Thoughtless: The Correlation between Seamless UI/UX and Impulsive Buying Behavior in Digital Payment Apps Suandana, Ni Putu Widantari; Kherismawati, Ni Putu Eka
TECHNOVATE: Journal of Information Technology and Strategic Innovation Management Vol. 2 No. 4 (2025): October 2025
Publisher : PT.KARYA GEMAH RIPAH

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The evolution of financial technology has shifted the focus of payment system design from security to "frictionless" experiences. While seamless UI/UX (User Interface/User Experience) enhances efficiency, it inadvertently minimizes the cognitive deliberation required in purchasing decisions. This study aims to investigate how the seamless design of digital payment apps correlates with impulsive buying behavior among Generation Z. Using a descriptive quantitative method with 30 undergraduate students, this research analyzes user interaction patterns and spending habits. The findings reveal a critical correlation: the reduction of transaction barriers (such as one-click checkout and biometric login) significantly lowers the psychological threshold for spending. 65% of respondents admitted that the speed of transaction prevents them from reconsidering unnecessary purchases, leading to a "thoughtless" buying state. The study concludes that while "frictionless" design optimizes convenience, it acts as a catalyst for hedonic consumption by bypassing the rational evaluation process known as System 2 thinking.
Artificial Competence: The Impact of Generative AI Dependency on Students' Critical Thinking and Problem-Solving Agility Kherismawati, Ni Putu Eka; Suandana, Ni Putu Widantari
TECHNOVATE: Journal of Information Technology and Strategic Innovation Management Vol. 2 No. 4 (2025): October 2025
Publisher : PT.KARYA GEMAH RIPAH

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The integration of Generative AI (GenAI) like ChatGPT into academic environments has promised unprecedented efficiency. However, a growing concern arises regarding "Artificial Competence"—a state where students produce high-quality outputs without possessing the corresponding cognitive mastery. This study investigates the correlation between GenAI dependency and the degradation of critical thinking skills among university students. Utilizing a quantitative approach with 30 respondents, the research measures "Cognitive Offloading" (the tendency to rely on external tools) against "Problem-Solving Agility" (ability to solve complex cases manually). The findings reveal a paradox: while GenAI users report higher confidence levels, their unassisted problem-solving scores are significantly lower than low-frequency users. The study identifies a "Hollow Skill Effect," where dependency on AI creates an illusion of competence, eroding the fundamental cognitive processes required for deep analysis and strategic decision-making.
Co-Authors Aristana, I Dewa Gede Aristana, Made Dona Wahyu Dewi, Made Pratiwi Emmy Febriani Thalib Evi Dwi Krisna . Hibur, Filipus Yobili I Gede Iwan Sudipa I MADE DEDY SETIAWAN . I Putu Agus Eka Darma Udayana, I Putu Agus Eka Ida Ayu Putu Febri Imawati Libraeni, Luh Gede Bevi Lulup Endah Tripalupi Made Ary Meitriana Mahardika , Dewa Gede Candra Meitriana, Made Ary Murdhani , I Dewa Ayu Sri Ni Luh Putu Wiagustini Ni Putu Widantari Suandana Nia Maharani Noris, I Kadek Prawira, Putu Yoka Angga Sudiantara, I Gede Widantari Suandana, Ni Putu Wiguna, I Komang Arya Ganda