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FINANCIAL LITERACY AND PERCEIVED EASE OF QRIS USE IN THE CASHLESS ERA Indra Yani; Catur Fatchu Ukhriyawati; Rizki Eka Putra
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 6 (2026): MAY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20152259

Abstract

The rapid expansion of digital payment systems has accelerated the transition toward a cashless society, with QRIS (Quick Response Code Indonesian Standard) emerging as a key innovation in Indonesia. Despite its widespread availability, adoption levels vary among users, indicating the influence of underlying behavioral and cognitive factors. This study examines the relationship between financial literacy and perceived ease of QRIS use, and how these factors influence behavioral intention to adopt the system. Using a structured survey approach, data were collected from Generation Z users, consumers, and small business actors. The study applies regression and Structural Equation Modeling (SEM) to analyze the relationships among financial literacy, perceived ease of use, and adoption intention. The findings reveal that financial literacy significantly enhances perceived ease of use, which in turn positively influences behavioral intention to use QRIS. Additionally, perceived ease of use acts as a key mediator in this relationship. The study highlights the importance of both user knowledge and system design in promoting digital payment adoption. It contributes to the literature on financial technology and consumer behavior by providing an integrated perspective on digital payment acceptance. The findings suggest that improving financial literacy and system usability can significantly
UPSKILLING AND RESKILLING STRATEGIES FOR EMPLOYEES FACING AI-DRIVEN AUTOMATION: A CRITICAL REVIEW Meliyadi; Rizki Eka Putra; Oktavianti
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 11 (2026): OCTOBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.23291588

Abstract

The rapid diffusion of generative artificial intelligence (GenAI) and algorithmic task automation across modern enterprises has fundamentally accelerated skill obsolescence, creating an urgent strategic imperative for continuous employee upskilling and reskilling. This critical review systematically evaluates contemporary learning and development (L&D) strategies designed to foster workforce readiness in automated work environments. Adhering to the PRISMA 2020 systematic review protocol, a corpus of 16 peer-reviewed benchmark studies published between 2021 and 2026 was synthesized. The thematic analysis categorizes reskilling interventions into personalized AI-driven micro-learning, cross-functional hybrid technical-cognitive development, and human-agent cobot collaboration training. Meta-synthesized structural equation modeling indicates that structured reskilling initiatives exert a robust positive effect on workforce agility (β = .45, p < .001) mediated through skill self-efficacy and psychological job security. Furthermore, multi-level alignment—synchronizing national policy frameworks, organizational L&D infrastructure, and individual growth mindsets—emerges as a decisive boundary condition for sustainable employability. The paper concludes with an integrative governance framework guiding strategic HR leaders in mitigating automation-induced job displacement while enhancing organizational competitiveness.
THE ROLE OF HR TECHNOLOGY IN ENHANCING RECRUITMENT EFFICIENCY AND TALENT ACQUISITION: A CRITICAL REVIEW Nico Morris Selayar; Rizki Eka Putra; Oktavianti
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 11 (2026): OCTOBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.23291563

Abstract

The rapid integration of Human Resource Technology (HR Tech)—encompassing Artificial Intelligence (AI) resume screening, Applicant Tracking Systems (ATS), conversational chatbots, and predictive candidate assessment—has fundamentally transformed contemporary talent acquisition. This systematic critical review synthesizes empirical and theoretical literature published between 2021 and 2026 (N=16) to evaluate how advanced HR technology enhances recruitment efficiency and strategic talent acquisition outcomes. Adhering to PRISMA 2020 guidelines, this investigation examines key operational mechanisms, including screening friction reduction, candidate experience optimization, and algorithmic bias mitigation. Findings demonstrate that AI-driven automated screening and ATS workflows reduce time-to-hire by 38% to 52% and lower cost-per-hire by up to 41%, while conversational AI chatbots enhance candidate engagement. However, algorithmic opacity, procedural fairness concerns, and systemic training data biases emerge as major boundary conditions that risk eroding applicant trust and quality-of-hire. Based on a meta-synthesized structural equation model, this study proposes a multi-level governance framework that integrates human-in-the-loop oversight, continuous algorithmic auditing, and ethical compliance to maximize talent acquisition performance in the digital era.