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All Journal Jurnal Ilmiah Econosains Jurnal Pengabdian dan Edukasi Sekolah (Jubaedah) JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Bisnis, Manajemen, dan Keuangan Jurnal Ekonomi Bisnis dan Manajemen journal of social and economic research Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Jurnal Ilmu Sosial dan Humaniora Indonesia Economic Journal Journal of Digital Business and Global Economy Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Journal of Strategic Marketing and Innovation
Ryna Parlyna
Fakultas Ekonomi Universitas Negeri Jakarta
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Pengaruh Transformasi Digital Terhadap Kinerja Keuangan Melalui Efisiensi Operasional Pada Perbankan Periode 2015-2024 Quinasa Rama Herlanlam; Gatot Nazir Ahmad; Ryna Parlyna
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): JANUARI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/7y1ab664

Abstract

This study aims to analyze the effect of digital transformation on financial performance, with operational efficiency as a mediating variable, in the Indonesian banking sector. The background of this study is based on the massive adoption of digital technology in the banking industry, which requires significant capital investment, potentially having a dual impact in the form of increased revenue and pressure on banks' operating expenses. This study uses a quantitative approach with a panel data regression method to estimate the relationship between variables. The study population includes commercial banks listed on the Indonesia Stock Exchange, with samples drawn using a purposive sampling technique during the 2015–2024 period, resulting in data from 25 banks that meet the criteria. The analysis technique involves selecting the best model through the Chow and Hausman test, the classical assumption test, and the Sobel test for mediation. The results show that digital transformation has a positive effect on operating expenses and also has a significant positive and direct effect on financial performance. Operational efficiency has been shown to have a significant negative effect on financial performance. Furthermore, operational efficiency plays a significant role as a mediating variable in the relationship between digital transformation and financial performance, with a negative indirect effect. These findings confirm that while digital transformation is a strategic asset capable of boosting revenue according to the Resource-Based View theory, its success in increasing profitability depends heavily on management's ability to efficiently control investment costs.
Analisis Faktor-Faktor Yang Mempengaruhi Minat Beli Konsumen Terhadap Produk Skincare X: Studi Pada Pengguna Platform Y Generasi Z Mohamad Badar Fadlilah; Ryna Parlyna; Inkreswari Retno Hardini
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): JANUARI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/yfr3hc23

Abstract

This study aims to analyze the effects of perceived quality, online customer reviews, and influencer characteristics including trustworthiness, expertise, and attractiveness on skincare purchase intention among digital consumers. This study employs a quantitative approach using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method through SmartPLS. The research respondents consist of 302 individuals aged 18–28 years who actively seek skincare information through digital media, selected using a purposive sampling technique, with a research instrument comprising 30 statement items. The results indicate that perceived quality, expertise, and attractiveness have a positive and significant effect on purchase intention, while trustworthiness has no significant effect. In addition, online customer reviews show a significant negative effect, indicating that biased online reviews can reduce purchase intention. As a practical implication, the findings of this study are implemented in an artificial intelligence-based application prototype named SKINLYTIC, which serves as a decision support system to facilitate more rational and informed skincare purchase decisions.
Pengaruh Investor Attention dan Economic Policy Uncertainty Terhadap Kinerja Pasar Saham Bank KBMI 4 Muhammad Yoga Pratama; Gatot Nazir Ahmad; Ryna Parlyna
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): JANUARI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/a5vv7e27

Abstract

This research is motivated by the phenomenon of increasing retail investor participation in the digital era and rising global economic uncertainty affecting capital market dynamics. This study aims to analyze the influence of behavioral finance aspects proxied by investor attention and global macroeconomic aspects proxied by US Economic Policy Uncertainty (US EPU) on stock market performance, specifically stock return and stock liquidity. The unit of analysis in this study is the banking companies under the Core Capital Bank Group (KBMI) 4 category listed on the Indonesia Stock Exchange (IDX), selected due to their largest market capitalization and high liquidity. This study employs a quantitative approach using daily secondary data. The data analysis technique used is panel data regression with the Fixed Effect Model (FEM) estimation, corrected using Robust Standard Error (White) to address heteroscedasticity issues. Hypothesis testing was conducted to observe the partial and simultaneous effects of independent variables on dependent variables. The results reveal diverse empirical findings. First, investor attention proxied by Google Search Volume Index (GSVI) has a negative and significant effect on stock return, indicating that a surge in information search is interpreted by the market as a risk signal due to information asymmetry, thereby triggering selling pressure. Second, investor attention has a positive and significant effect on stock liquidity, proving that information dissemination can encourage market participation. Third, US EPU does not have a significant effect on stock return, demonstrating the high resilience of Indonesia's banking fundamentals against global issues. Fourth, US EPU has a negative and significant effect on stock liquidity due to investors' wait-and-see behavior. This study recommends that investors be more rational in filtering digital information to avoid momentary panic, and suggests that regulators monitor digital sentiment as an early indicator of market volatility.
Pengaruh Live Streaming dan Online Review terhadap Purchase Intention melalui Trust pada Generasi Z di E-Commerce Prianda Saputra; Ryna Parlyna; Inkreswari Retno Hardini
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): JANUARI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/m3hyvm69

Abstract

This research is motivated by the increasing use of live streaming and online reviews as digital stimuli in shaping consumer trust and purchase intentions, especially Generation Z as digital natives. This study uses a quantitative approach with a survey method of Generation Z aged 18-28 years who live in East Jakarta and are active Shopee users. The sampling technique used purposive sampling, with data analysis using Structural Equation Modeling (SEM) based on Partial Least Square (PLS). The results show that live streaming and online reviews have a positive and significant effect on trust and purchase intention. In addition, trust is proven to significantly mediate the influence of live streaming and online reviews on purchase intention. This finding confirms the important role of trust in driving Generation Z's purchase intention on the Shopee e-commerce platform.
Pengaruh Perceived Ease of Use dan Perceived Security Terhadap Customer Loyalty Melalui Customer Trust pada Aplikasi Bank Digital Hendryawan Cipta Mulia; Ryna Parlyna; Inkreswari Retno Hardini
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 2 (2026): MARET 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/fr22dh84

Abstract

Customers use of banking services is changing as a result of the growth of digital banking in Indonesia. Customer loyalty is essential to the long-term viability of digital banking use due to the increasingly intense competition. The purpose of this study is to examine how customer loyalty is impacted by perceived security and perceived ease of use, using customer trust as a mediating factor among users of the XYZ Bank application. Data were collected through questionnaires distributed to 150 university students in East Jakarta who are active users of the XYZ Bank application. Structural Equation Modeling based on Partial Least Squares (SEM-PLS) was the data analysis method employed. The findings demonstrate that customer loyalty and customer trust are positively and significantly impacted by perceived security and perceived ease of use. Furthermore, it has been demonstrated that customer trust increases customer loyalty and can moderate the impact of perceived security and perceived ease of use on customer loyalty.
Pengaruh Persepsi Nilai dan Kepercayaan Terhadap Loyalitas Pengguna dengan Kepuasan Pengguna Game Roblox Sebagai Mediasi Achmad Zaky Maulana; Ryna Parlyna; Fildzah Shabrina
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 2 (2026): MARET 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/z24hhq83

Abstract

The rapid growth of online games driven by digital economic ecosystems has intensified the use of virtual currencies and microtransaction activities, such as Robux purchases within the Roblox platform. This phenomenon gives rise to issues concerning users’ perceived value and trust, which potentially affect their levels of satisfaction and loyalty. This study seeks to examine the influence of perceived value and trust on customer loyalty, with customer satisfaction serving as a mediating variable among Roblox game users. A quantitative research design was adopted by distributing an online survey to 100 respondents from the Faculty of Economics and Business, Universitas Negeri Jakarta, who had prior experience purchasing Robux. The data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) technique. The findings demonstrate that perceived value and trust exert positive and significant effects on both customer satisfaction and customer loyalty. Furthermore, customer satisfaction is found to have a positive and significant impact on customer loyalty. The mediation analysis reveals that customer satisfaction significantly mediates the relationship between perceived value and customer loyalty, while it does not mediate the effect of trust on customer loyalty. These results indicate that customer loyalty among Roblox users is predominantly shaped by perceived value and trust through direct pathways, whereas customer satisfaction functions selectively as a mediating mechanism.
Faktor - Faktor yang Memengaruhi  Purchase Intention O2O Voucher:  Studi Pada Pengguna Tiktok Dinda Mandatain; Ryna Parlyna; Adnan Kasofi; Munawaroh Munawaroh
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 2 (2026): MARET 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/57cc8848

Abstract

The growth of social commerce has encouraged the adoption of the Online-to-Offline (O2O) transaction model, particularly through TikTok, which is widely used by Generation Z in Indonesia. O2O vouchers enable consumers to purchase vouchers online and redeem them directly at offline merchant outlets. Despite their high market potential, the actual purchase intention toward O2O vouchers on TikTok remains relatively limited. This study aims to examine the effects of price sensitivity, ease of use, perceived usefulness, and perceived risk on purchase intention toward O2O vouchers among Generation Z TikTok users in Jakarta. This study employs a quantitative approach using a survey method with 180 respondents selected through purposive sampling. Data were collected via an online questionnaire using a seven-point Likert scale and analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with SmartPLS 4. The results indicate that ease of use and perceived usefulness have a positive and significant effect on purchase intention, with perceived usefulness identified as the most dominant variable. In contrast, price sensitivity and perceived risk do not have a significant effect on purchase intention. These findings suggest that Generation Z’s purchase intention toward O2O vouchers is primarily driven by system convenience and perceived functional benefits rather than by price considerations or perceived risk. Therefore, O2O voucher strategies on TikTok should prioritize transaction simplicity and clear value propositions to enhance sustainable purchase intention.
Pengaruh Flow Experience, Escapism dan Habit Terhadap Adiksi Media Sosial Tiktok di Jakarta Keiza Zeta Lazuardi; Ryna Parlyna; Adnan Kasofi
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 2 (2026): MARET 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/d4b76t74

Abstract

This study aims to examine how technological factors through flow experience generated by the algorithm, personal factors in the form of escapism driven by scrolling design, and social factors that shape usage habits through the streak feature contribute to social media addiction among TikTok users. Data were collected through an online survey using Google Forms. Participants in this study were active TikTok users residing in the Jakarta area, aged 18 to 28 years, who use TikTok daily and have consistently utilized the streak feature. The data were analyzed using Structural Equation Modeling based on Partial Least Squares with SmartPLS 4.0, involving a total of 160 respondents. The results indicate that flow experience has a positive and significant effect on social media addiction, escapism shows a positive but non-significant effect on social media addiction, and habit is proven to have a positive and significant effect on social media addiction. These findings suggest that deep engagement shaped by the For You Page (FYP) algorithm immerses users in continuous use without conscious interruption; the internal drive for emotional escape through TikTok’s infinite scrolling design is not strong enough to form addiction when not reinforced by other mechanisms; and usage patterns formed through streak gamification operate at an automatic and repetitive level, thereby strengthening users’ attachment to the platform.
Determinasi Behavioral Intention Pada Mahasiswa Pengguna Aplikasi BCA Mobile di Jakarta Timur Ranisya Refanka Adhar; Ryna Parlyna; Osly Usman
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 2 (2026): MARET 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/d89rhc06

Abstract

This study aims to explore the connection between trust, perceived ease of use, perceived enjoyment, and perceived usefulness towards user’s behavioral intention on BCA Mobile application. Through the framework, this study examines how trust, perceived ease of use, perceived enjoyment, and perceived usefulness influence their behavioral intention to use BCA Mobile application. This study also adopts perceived usefulness as a mediating variable that mediates the relationship between independent variables and dependent variables. The research method was conducted using quantitative methods through questionnaire instruments and purposive sampling with 100 college student respondents in East Jakarta who use the BCA Mobile application. Data processing was analyzed through structural equation modeling (SEM) with the partial least squares (PLS) method and using Smart PLS 4 software. The results showed that (1) trust has no effect on perceived usefulness, (2) perceived ease of use has a significant effect on perceived usefulness, (3) perceived enjoyment has a significant effect on perceived usefulness, (4) perceived usefulness has no effect on behavioral intention, (5) perceived usefulness didn’t mediate trust’s influence on behavioral intention, (6) perceived usefulness didn’t mediate perceived ease of use’s influence on behavioral intention, and  (7) perceived usefulness didn’t mediate perceived enjoyment’s influence on behavioral intention.
Pengaruh Digital Payment, e-WOM, dan Store Atmosphere Terhadap Purchase Decision pada Kaizen Heritage Cempaka Putih Muhammad Shadiq Al Fatih; Ryna Parlyna; Fildzah Shabrina
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 2 (2026): MARET 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/5emmtx80

Abstract

This study aims to determine the influence of digital payment, e-WOM, and store atmosphere on purchase decisions at Kaizen Heritage Cempaka Putih. The sample size was 120 Kaizen Heritage Cempaka Putih customer respondents. The data analysis technique used was PLS-SEM using SmartPLS version 4.1.0.9. The results showed that purchasing decisions at Kaizen Heritage Cempaka Putih were significantly and positively influenced by digital payments. This indicates that consumer purchasing decisions may be influenced by the convenience, speed, and effectiveness of digital payments. Customers are more likely to complete purchase transactions when the digital payment system is well implemented. Purchase decisions at Kaizen Heritage Cempaka Putih were positively and significantly influenced by e-WOM. This study found that before making a purchase, consumer trust is largely shaped by the experiences, recommendations, and reviews they find in digital media. Consumers may make more purchases if they receive positive information. At Kaizen Heritage Cempaka Putih, store atmosphere significantly and favorably influences customer purchasing decisions. This demonstrates that a welcoming and attractive retail environment, supported by well-designed layout, lighting, and customer service, can create a satisfying shopping experience and attract customers to purchase.
Co-Authors Achmad Zaky Maulana Adib Pradipta Adnan Kasofi Afidah Nur Aslamah Ajeng S Ramadhanti Alimah Alda Fuadiyah Alisya Putri Ammar Shiddiq Yulianto Andi Muh Fachry Arif Marsal Ariyo Alinugroho Singgih Arsanti Raissa Kinanti Arum Nur Anggraini Ati Sumiati Atia Tiara Trisnawan Ayu Qirana Azahra Putri Dewi Mumpuni Azzahrani Hafshah Valiandri Basrah Saidani Bianca Ayu Anindira Bintang Muhamad Harsya Caecilia Sheryl Kusuma Cellina Meidy Corry Yohana Dea Permatasari Dinda Mandatain Diya Aldin Fadeyushka Dorojatun Zaidan Latasa Muhammad Dyah Ratu Dwihapsari Faiz Al Fajri Fathir Fairuzzi Faza Hibatul Haqqi Fidhyallah, Nadya Fadillah Fikri Pirmansyah Fildzah Shabrina Fira Malinda Firgiawan Akbar Fitri Handayani Gatot Nazir Ahmad Hasna Azzahidah Hendryawan Cipta Mulia Hilsya Faiqotul Innayah Hipnu Maulana Imelda Bella Clarisa Inkreswari Retno Hardini Iqbal Nur Fazarun Jaehan Fairuz Zahran Jasmine Lamia Safira Jauza Aqhna Kamila Jihan Alya Rahma Putri Irmawan Johara Johara Jonathan Halomoan Simanjuntak Juan Wody Romansa Julianda Jahid Muttaqin Kayla Diandra Alisya Keiza Zeta Lazuardi Khansa Puti Zharifah Muza Lailatul Isti’anah Mardiana Saharani Mellani Indriyani Mohamad Badar Fadlilah Mohamad Rizan Mohammad Akeyla Zedidiah Mohammed Ameen Sallam Ali Muhammad Albi Muhammad Faisal Muhammad Fathurrahman Muhammad Shadiq Al Fatih Muhammad Yoga Pratama Muhammad Yusuf Muhmmad Yusuf Munawaroh Munawaroh Nanda Melandri Naufal Dwiranzah Naura Artanti Shafwan Wibowo Nayla Zannata Mugni Nazwa Eka Putri Nazwa Jelita Soleha Nazwa Oktaviani Mohamad Nazwa Ramadhani Nirmala Fauziah Nurdin Hidayat Osly Usman Prianda Saputra Putri Nusadrina Murni Quinasa Rama Herlanlam Rachel Adzkia Zahra Radja Rafi Aryawira Rafilino Rianda Sastrodiningrat Raihan Kamilun Amin Raissa Diamantha Kalila Ranisya Refanka Adhar Raniyah Kamilah Ranty Pratiwi Ratu Aulia Kinanti Regina Humaningtyas Purba Reysa Almaira Anandita Rizki Syaban Mulyasaputra Robith Ali Zain Musyafa Romanus Mando Fransius Silaen Ruwayda Ruwayda Sabo Hermawan Shuja Azmi Ismail Siti Holipah Siti Nurlaela Sri Zulaihati Susanti, Santi Syadin Alivia Yusuf Tasha Dwi Oktora Teja Supraba Tezar Putra Nugraha Usep Suhud Viyonila Pratiwi Widya Parimita, Widya Yahya Abdurrahman Adib Yeni Hesti Verawati Manurung