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All Journal JRMSI - Jurnal Riset Manajemen Sains Indonesia Jurnal Ilmiah Wahana Akuntansi Jurnal Akuntansi dan Keuangan Indonesian Collaboration Journal of Community Services (ICJCS) PROSIDING SEMINAR NASIONAL FISIKA (E-JOURNAL) Blantika : Multidisciplinary Journal Jurnal Akuntansi, Perpajakan dan Auditing Jurnal Social Society PENG: Jurnal Ekonomi dan Manajemen Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Jurnal Ilmu Sosial dan Humaniora Indonesia Economic Journal Jurnal Ilmiah Ekonomi dan Manajemen Indonesia IJEMA
Diena Noviarini
Fakultas Ekonomi Unversitas Negeri Jakarta
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences Other

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The Influence of Digital Financial Literacy, Perceived Usefulness, Perceived Ease of Use, and Perceived Security on Behavioral Intention to Use QRIS among Campus MSMEs Santi Setriyani; Diena Noviarini; Ringga Sentagi Asa
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/e4t4ns36

Abstract

This study examines the influence of digital financial literacy, perceived usefulness, perceived ease of use, and perceived security on behavioral intention to use the Quick Response Code Indonesian Standard (QRIS) among micro, small, and medium enterprises (MSMEs) operating in a university canteen. A quantitative survey was conducted with 69 respondents selected through purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The measurement model met the recommended thresholds for convergent validity, discriminant validity, and reliability. The structural model shows that perceived usefulness (β = 0.308; t = 2.296; p = 0.022) and perceived security (β = 0.320; t = 2.354; p = 0.019) have a positive and significant effect on behavioral intention, whereas digital financial literacy (β = 0.039; t = 0.515; p = 0.607) and perceived ease of use (β = 0.273; t = 1.847; p = 0.065) show no significant effect. The model explains 75.2% of the variance in behavioral intention (R² = 0.752; Q²predict = 0.750). These findings indicate that campus canteen MSMEs are driven to adopt QRIS primarily by perceived benefits and transaction security, rather than by financial literacy or ease of use alone. As an implementation of these findings, a “Kantin Pinter” digital platform prototype was developed, integrating QRIS education, transaction monitoring, ease-of-use, and digital transaction security features.  
Pengaruh Status Quo Bias terhadap Resistensi Pengguna Alat Pembayaran Berbasis RFID di MRT Jakarta Raka Echa Pratama; Diena Noviarini; Adnan Kasofi
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/hg08bt04

Abstract

The transformation of digital payment systems in public transportation has encouraged MRT Jakarta to implement Radio Frequency Identification (RFID) technology through the ALLRIDE Charm product. However, the adoption of this technology may generate user resistance. This study aims to analyze the effects of switching costs, switching benefits, and perceived value on user resistance toward the use of the RFID-based payment system ALLRIDE Charm in MRT Jakarta. This research employs a quantitative approach with a causal associative research design. Data were collected from 306 MRT Jakarta users through an online questionnaire using purposive sampling. Data analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software. The results indicate that switching costs and perceived value have a significant effect on user resistance, while switching benefits do not show a significant effect. These findings suggest that users’ perceptions of switching costs and perceived value are the primary factors influencing resistance to the adoption of RFID-based payment systems. In addition, this study develops an RFID reader application prototype as a practical contribution to support the implementation of ALLRIDE Charm. This research provides theoretical contributions to technology adoption studies in the context of public transportation and practical implications for MRT Jakarta in enhancing user acceptance of RFID-based payment systems.
Faktor-Faktor Yang Memengaruhi Purchase Intention Pada Layanan Community-Centric Digital Subscription Rakha Athallah Syahputra; Diena Noviarini; Sabo Hermawan
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/n3sr2544

Abstract

The subscription economy has expanded rapidly, yet it is increasingly challenged by subscription fatigue, which has encouraged the emergence of community-centric digital subscription models that shift value propositions from mere access to participation and value co-creation. This study aims to examine the determinants of purchase intention in such services by testing the effects of perceived enjoyment, perceived usefulness, and perceived risk on purchase intention, as well as the mediating role of perceived value. A quantitative approach was employed through an online survey of 210 Generation Z respondents in DKI Jakarta who were aware of community-centric digital subscription services, and the data were analyzed using SEM-PLS. The results indicate that perceived enjoyment and perceived usefulness have positive and significant effects on both perceived value and purchase intention, whereas perceived risk shows no significant effect on either perceived value or purchase intention. Furthermore, perceived value positively and significantly influences purchase intention and serves as the strongest determinant in the model; it also significantly mediates the relationships between perceived enjoyment and purchase intention and between perceived usefulness and purchase intention, but does not mediate the effect of perceived risk. These findings suggest that subscription intention in community-based services is primarily driven by enjoyable user experiences, perceived functional benefits, and overall value evaluations rather than by perceived risk considerations.
Analisis Faktor-Faktor yang Memengaruhi Continuous Intention to Use Aplikasi Mobile Game Online di Indonesia Zaid Al Fatiy; Diena Noviarini; Sabo Hermawan
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: 10.63822/9em7bd12

Abstract

This study aims to analyze the partial effects of hedonic motivation, habit, and social influence on the continuous intention to use mobile game online applications in Indonesia. This research employs a quantitative approach using a survey method and Structural Equation Modeling based on Partial Least Squares (SEM-PLS) as the data analysis technique. The sample consists of 192 users of mobile game online applications in Indonesia selected through purposive sampling. The data were analyzed using SmartPLS software. The results indicate that: (1) hedonic motivation has a positive and significant effect on the continuous intention to use mobile game online applications; (2) habit has a positive and significant effect on the continuous intention to use mobile game online applications; and (3) social influence has a positive and significant effect on the continuous intention to use mobile game online applications. These findings emphasize the importance of enhancing the quality of gaming experience, fostering positive usage habits, and optimizing social interaction within applications to increase users’ intention to continue using mobile game online services
Anteseden Keputusan Penggunaan Bank Digital pada Generasi Z di Jabodetabek Muhamad Ilham; Umi Widyastuti; Diena Noviarini
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: 10.63822/3pcfpq25

Abstract

This study aims to analyze the influence of Financial Literacy, Friend Influence, Perceived Ease of Use, and Perceived Enjoyment on the Decision to Use digital banking among Generation Z in Greater Jakarta. The research employs a quantitative method using a survey technique through an online questionnaire. The sample consists of 144 respondents aged 13–28 years who reside in Greater Jakarta and have digital bank accounts. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique through SmartPLS 4 software. The results show that Financial Literacy has a significant positive effect on the Decision to Use. Friend Influence is also proven to have a significant positive effect on the Decision to Use. Furthermore, Perceived Ease of Use has a significant positive effect on Perceived Enjoyment, and Perceived Enjoyment has a significant positive effect on the Decision to Use. The findings are expected to provide theoretical contributions to the development of technology adoption models as well as practical contributions to the banking industry in formulating appropriate marketing strategies to increase digital bank usage among young generations. The implications of this study indicate that digital banking service providers need to develop strategies that focus not only on application usability but also on improving digital financial literacy, creating enjoyable user experiences, and leveraging social influence to encourage digital bank usage decisions among Generation Z.
Pengaruh Perceived Usefulness, Perceived Ease of Use, dan Social Influence Terhadap Continuance Intention Aplikasi Linkaja Tegar Hanafi; Diena Noviarini; Fauzan Fadlullah
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/w7qvj130

Abstract

This research aims to analyze the influence of perceived usefulness, perceived ease of use, and social influence on the continuance intention of the LinkAja application, both partially and simultaneously. This study employs a quantitative approach with a survey method and Structural Equation Modeling based on Partial Least Squares (SEM-PLS) as the analysis technique. The sample in this research consists of 255 respondents residing in the DKI Jakarta area , selected through a purposive sampling technique. Data were analyzed using SmartPLS 4.0 software. The results of the analysis indicate that: (1) Perceived usefulness has a positive and significant effect on the continuance intention of the LinkAja application. (2) Perceived ease of use has a positive and significant effect on the continuance intention of the LinkAja application. (3) Social influence has a positive and significant effect on the continuance intention of the LinkAja application. These findings confirm that social influence is the most dominant factor in influencing user continuance intention. Therefore, application developers need to integrate the usefulness of features, an intuitive interface, and the strengthening of the community base to maintain user loyalty in the competitive digital wallet market.  
Analisis Aspek Gamifikasi Terhadap User Enjoyment pada Aplikasi Produktivitas Adelia Tiara Andani; Diena Noviarini; Ringga Sentagi Asa
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/yyzz3h28

Abstract

Perkembangan teknologi digital telah mendorong Generasi Z untuk menuntut pengalaman produktivitas yang tidak hanya efisien tetapi juga menyenangkan (enjoyable productivity). Namun, tantangan muncul ketika penerapan gamifikasi pada aplikasi produktivitas sering kali bersifat dangkal sehingga gagal mempertahankan motivasi pengguna dalam jangka panjang. Penelitian ini bertujuan untuk menganalisis pengaruh elemen gamifikasi (rewards, immersion, social) terhadap pemenuhan kebutuhan psikologis dasar (competence, autonomy, relatedness) dan dampaknya terhadap user enjoyment pada pengguna aplikasi Forest, menggunakan pendekatan Self-Determination Theory (SDT). Sampel penelitian ini terdiri dari 300 pengguna aplikasi Forest dari kalangan Generasi Z yang berdomisili di wilayah Jabodetabek, yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner berskala Likert enam poin dan dianalisis menggunakan software SmartPLS 3.0. Hasil penelitian menunjukkan bahwa rewards berpengaruh positif dan signifikan terhadap competence, serta social berpengaruh positif dan signifikan terhadap relatedness. Namun, immersion tidak berpengaruh signifikan terhadap autonomy. Selanjutnya, competence terbukti berpengaruh positif dan signifikan terhadap user enjoyment. Sebaliknya, autonomy tidak berpengaruh signifikan terhadap user enjoyment, sedangkan relatedness memiliki pengaruh yang signifikan namun negatif terhadap user enjoyment, mengindikasikan adanya fenomena tekanan sosial.
Pengaruh Website Quality terhadap Impulsive Buying pada Social Commerce Tineukeu Ariyanti; Diena Noviarini; Fildzah Shabrina
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/f9hpe498

Abstract

Perkembangan internet di Indonesia mengubah kebiasaan masyarakat dalam beberapa sektor, salah satunya sektor perdagangan. Adaptasi digital yang masif mengubah cara orang berbelanja lewat kehadiran e-commerce. Namun terdapat perbedaan pada sisi hedonic shopping motivation, di mana terdapat pengguna yang melakukan pembelian hanya jika benar-benar membutuhkan barang tersebut. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh dari website quality terhadap impulsive buying, utilitarian value, dan hedonic shopping motivation. Lebih lanjut, pengaruh mediasi dari utilitarian value dan hedonic shopping motivation juga akan diteliti. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan teknik purposive sampling dengan kriteria responden pernah melakukan pembelian secara impulsif, berdomisili di wilayah Jabodetabek, dan berusia minimal 17 tahun. Seluruh data yang terkumpul kemudian diolah dan dianalisis menggunakan program SEM-PLS melalui beberapa tahap pengujian yaitu melihat nilai convergent validity, discriminant validity, reliability, coefficient of determination, predictive relevance, effect size, dan path coefficient. Hasil penelitian menunjukkan bahwa setiap hipotesis berpengaruh signifikan, kecuali mediasi utilitarian value terhadap pengaruh dari website quality terhadap impulsive buying.  
Pengaruh Karakteristik Social Media Marketing Activities dan Perceived Usefulness terhadap Customer Engagement Instagram Bina Taruna Wiratama Academy Jakarta Faida Istiqomah; Diena Noviarini; Meta Bara Berutu
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/pygchs07

Abstract

This study aims to analyze the influence of Social media marketing activities characteristics, consisting of trendiness, entertainment, interactivity, customization, and perceived usefulness, on customer engagement on the Instagram account @btw_academy_jakarta. This study employed a quantitative approach using a survey method. Data were collected through an online questionnaire distributed to 234 respondents selected using a non-probability sampling technique with a purposive sampling method. The collected data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4 software. The results of the hypothesis testing indicate that trendiness, entertainment, interactivity, customization, and perceived usefulness have a positive and significant influence on customer engagement on the Instagram account @btw_academy_jakarta. These findings indicate that presenting content that is up-to-date, engaging, interactive, tailored to audience needs, and perceived as useful can enhance audience engagement with the @btw_academy_jakarta Instagram account.  
Pengaruh Perceived Ease of Use dan Perceived Usefulness terhadap Continuance Intention dengan User Satisfaction sebagai Variabel Mediasi Najwan Tsaqib; Diena Noviarini; Sabo Hermawan
Indonesia Economic Journal Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/vpgkhf47

Abstract

Pertumbuhan pengguna dan transaksi QRIS di Indonesia meningkat signifikan dalam beberapa tahun terakhir, namun peningkatan adopsi tersebut belum sepenuhnya diiringi dengan keberlanjutan penggunaan, mengingat masih ditemukan keluhan pengguna terkait kendala transaksi dan resistensi sebagian pelaku usaha terhadap QRIS. Penelitian ini bertujuan untuk mengetahui pengaruh perceived ease of use dan perceived usefulness terhadap continuance intention dengan user satisfaction sebagai variabel mediasi pada pengguna QRIS. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan teknik purposive sampling, yaitu generasi Z yang berdomisili di wilayah Jabodetabek, berusia 17 sampai 27 tahun, dan pernah menggunakan QRIS sebagai metode pembayaran. Sebanyak 130 data responden yang terkumpul kemudian diolah dan dianalisis menggunakan program SmartPLS 4.0 melalui pendekatan Partial Least Squares Structural Equation Modeling, meliputi evaluasi outer model yang mencakup convergent validity, discriminant validity, dan reliabilitas, serta inner model yang mencakup R-Square, Q-Square, dan uji signifikansi path coefficient. Hasil penelitian menunjukkan bahwa perceived usefulness dan perceived ease of use memiliki pengaruh positif dan signifikan terhadap user satisfaction, serta perceived usefulness, perceived ease of use, dan user satisfaction terbukti berpengaruh positif dan signifikan terhadap continuance intention pengguna QRIS, sehingga user satisfaction terkonfirmasi berperan sebagai variabel mediasi dalam hubungan tersebut.  
Co-Authors Abdurrasyid Akbar Adelia Tiara Andani Adnan Kasofi Amanda Chrysanti Andhika Satya Aryaguna Damar Lintang Daril Fajar Ardiyansyah Desma Noor Putri Dzaki Hanif Faida Istiqomah Fathannaufal Amiludin Fauzan Fadlullah Fildzah Shabrina Fini Pandewidinata Gatot Nazir Ahmad Henry Ocky M. Yasser Arafat Manda Raihana Laksita Marsellisa Nindito, Marsellisa Meta Bara Berutu Muhamad Ilham Muhamad Safitri Ruswandi Muhammad Dzaky Arief Muhammad Fachri Siregar Nadiyah Hibrizi Najwan Tsaqib Osly Usman Parimitha, Widya Purwana E.S., Dedi Raka Echa Pratama Rakha Athallah Syahputra Ringga Sentag Asa Ringga Sentagi Asa Rio Danuarta Sihombing Roni Faslah Rumondang, Sintha Ruswandi, Muhamad Safitri Sabo Hermawan Santi Setriyani Setyo Ferry Wibowo Shandy Aditya Singal, Anna Maurina Tegar Hanafi Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Tineukeu Ariyanti Umi Widyastuti Umi Widyastuti Vira Deyana Cindy Wa Ode Regina Hersanti Wahyu Leksono Winda Khairunnisa YAMANI, AKHMAD Zaid Al Fatiy Zakaria, Adam Zerafim Emmanuel Sharon