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All Journal Journal of Enterprise and Development (JED) Studi Akuntansi, Keuangan, dan Manajemen
Pasaribu, Romindo Megawati
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Social Influence and Digital Payment Adoption among Generation Z: The Mediating Role of Lifestyle Panjaitan, Ferry; Naibaho, Krismanto Erick Tobush; Pasaribu, Romindo Megawati; Damanik, Hanna M; Siahaan, Jeremy William
Studi Akuntansi, Keuangan, dan Manajemen Vol 5 No 4 (2026): April
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v5i4.6357

Abstract

Purpose: The expansion of financial technology has accelerated digital payment usage, particularly among Generation Z, who exhibit strong digital engagement and online consumption. This study investigates the influence of influencers and electronic word-of-mouth (e-WOM) on the adoption of digital payments, with lifestyle as a mediating variable. Research Methodology: A quantitative approach was employed through a structured survey of 200 Generation Z respondents in Medan City, who actively use fintech services, including e-wallets and other digital payment applications. Data were analyzed using Partial Least Squares structural equation modeling (PLS-SEM) with SmartPLS 3.3 to evaluate measurement validity and structural relationships. Results: The findings demonstrate that influencers and e-WOM have positive and significant effects on digital payment adoption. Lifestyle also plays a significant mediating role, indicating that social media exposure shapes digital-oriented consumption patterns that encourage fintech usage. Conclusions: Digital payment adoption among Generation Z is influenced not only by technological convenience but also by socially driven lifestyle factors formed through online interactions. Limitations: The study is limited to respondents from a single city and relies on self-reported data, which may restrict broader generalizations. Contributions: This study enriches the digital payment adoption literature by integrating lifestyle as a mediating construct between social influence and fintech usage, offering practical implications for fintech providers in developing targeted digital communication strategies.
Exploring the Role of Artificial Intelligence, Business Agility, and Business Model Innovation in Enhancing Culinary MSMEs Performance Pasaribu, Romindo Megawati; Damanik, Hanna Meilani; Sitorus, Trimelda Mei Liana
Journal of Enterprise and Development (JED) Vol. 7 No. 3 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i3.14368

Abstract

Purpose: This study aims to identify the factors influencing the performance of Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector, with a particular focus on their capabilities in artificial intelligence (AI). The research examines business model innovation as a mediating factor and business agility as a moderating factor.Method: The research was conducted in Medan, targeting culinary entrepreneurs with a sample size of 165 respondents. Hypothesis testing was performed using PLS-SEM.Result: The results indicate that AI capabilities and business model innovation have a positive and significant impact on the business performance of culinary MSMEs in Medan. Mediation analysis reveals that business model innovation effectively mediates the relationship between AI capabilities and the performance of culinary MSMEs. However, moderation analysis shows that business agility does not strengthen the impact of AI capabilities and business model innovation on business performance.Practical Implications for Economic Growth and Development: This study emphasizes the significance of artificial intelligence, business agility, and business model innovation in enhancing the performance of MSMEs within the culinary sector. Adopting AI, improving business agility, and promoting business model innovation can enhance MSMEs' performance and contribute to digital economic growth.Originality/Value: This study evaluates AI capacity through mediation and moderation approaches based on the Resource-Based View (RBV) theory. It explores how AI capabilities, business agility, and business model innovation can improve MSME performance, an area that remains underexplored in developing countries such as Indonesia.
Co-Authors Damanik, Hanna M DAMANIK, HANNA MEILANI Krismanto Erick Tobush Naibaho Marbun, Jahhia Theresia Matondang, Vinsensius Panjaitan, Ferry Siahaan, Jeremy William Sitorus, Trimelda Mei Liana