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All Journal Jurnal Ilmiah Econosains Jurnal Pemberdayaan Masyarakat Madani (JPMM) JURNAL DINAMIKA MANAJEMEN DAN BISNIS Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Syntax Literate: Jurnal Ilmiah Indonesia JRMSI - Jurnal Riset Manajemen Sains Indonesia GEMA EKONOMI JAE (Jurnal Akuntansi dan Ekonomi) Journal of Management and Leadership Jurnal Karinov Journal of Economics, Business, and Government Challenges Devotion: Journal of Research and Community Service Indonesian Journal of Economy, Business, Entrepreneuship and Finance (IJEBEF) Berajah Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Indonesian Collaboration Journal of Community Services (ICJCS) COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Nautical: Jurnal Ilmiah Multidisiplin Indonesia Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Jurnal Riset Pendidikan dan Pengajaran (JRPP) Journal of Comprehensive Science Jurnal Manajemen Bisnis Kewirausahaan Golden Ratio of Data in Summary Jurnal Media Administrasi KOLONI Eduvest - Journal of Universal Studies JURNAL EKONOMI BISNIS DAN MANAJEMEN West Science Journal Economic and Entrepreneurship International Journal of Economics, Management and Accounting Riset Ilmu Manajemen Bisnis dan Akuntansi Jurnal Bisnis, Manajemen, dan Keuangan Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Cendikia: Jurnal Pendidikan dan Pengajaran Jurnal Ekonomi Bisnis dan Manajemen International Journal of Educational and Life Sciences (IJELS) Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Jurnal Manajemen Bisnis Era Digital Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI PENG: Jurnal Ekonomi dan Manajemen Bina Bangsa International Journal of Business and Management Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab LANCAH Jurnal Inovasi dan Tren Ekopedia: Jurnal Ilmiah Ekonomi Perspektif Administrasi Publik dan hukum Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Journal of Digital Business and Global Economy Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis E-Jurnal Manajemen
Osly Usman
Universitas Negeri Jakarta
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Neuroscience Public Health Social Sciences Other

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The Effect of Ease of Payment and User Experience on User Retention through Monetization Models in Digital Games Jonathan Halomoan Simanjuntak; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.09

Abstract

This study aims to analyze the influence of Ease of Payment (X1) and User Experience (X2) on User Retention (Z), mediated by Monetization Models (Y), addressing empirical inconsistencies in the literature regarding post-adoption behavior in digital games. Utilizing a quantitative explanatory design, data were collected from 158 students at the Faculty of Economics and Business, Universitas Negeri Jakarta, who are active microtransaction users. The hypothesis was tested using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results confirmed that both X1 and X2 significantly and positively influence Y and that X2 is the strongest direct predictor of Z (β = 0.723). Critically, the hypotheses related to the mediating role of Y (H6) and (H7) and the direct effect Y → Z (H3) were rejected. This outcome supports the study's main contribution: the postulation of Functional Isolation, which concludes that financial commitment (Monetization) is an independent utility transaction that does not reinforce psychological commitment (Retention). The primary implication is that for sustainable long-term engagement, developers must strategically prioritize investment in core User Experience (X2) rather than relying on the Monetization Model to secure user loyalty.
The Effect of Perceived Ease of Use and Perceived Usefulness on MyBCA’s Intention to Use in Gen Z Arum Nur Anggraini; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.08

Abstract

This study examines how Generation Z's desire to utilize the myBCA mobile application is affected by perceived utility (PU) and perceived ease of use (PEOU) using trust as a mediating variable. To precisely capture behavioral patterns in digital financial services, the study model expands about the Model of Technology Acceptance. Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to examine data from 70 respondents using a quantitative cross-sectional survey approach. The structural model showed high fit and strong predictive performance (Q square Intention to Use: 0.593). The results indicate that PU significantly and positively influences both Trust and Intention to Use. Conversely, PEOU significantly influences Trust, but doesn't directly impact the intention to use. The mediation analysis reveals that Trust fully mediates the PEOU-Intention to Use relationship, while partially mediating the relationship between PU and Intention to Use. These findings firmly suggest that Trust is a central psychological driver, transforming the perception of ease into actual adoption intention and substantially strengthening the impact of usefulness. The outcomes provide deep practical insights for financial institutions, highlighting the strategic importance of consistently strengthening user trust to enhance loyalty and adoption rates in the quickly changing digital banking market.
The Influence of Discounts & Free Shipping on Purchase Decisions through the Buying Interest of Universitas Negeri Jakarta Students on Shopee Nirmala Fauziah; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.07

Abstract

The primary objective of this investigation is to analyze how promotional incentives, specifically price discounts and free shipping, influence the actual purchasing choices of Universitas Negeri Jakarta (UNJ) students on Shopee, with purchase intention acting as a mediating factor. Using an explanatory quantitative framework, primary data were gathered from 114 active Shopee users through purposive sampling. The analytical process in this study employed Structural Equation Modeling using the Partial Least Squares technique to examine the relationships among variables. The empirical findings indicate that both price discounts and free shipping programs exert a substantial positive impact on purchase intention. However, these promotional tools do not demonstrate a significant direct effect on the final purchase decision. Instead, purchase intention serves as a critical bridge, fully mediating the relationship between marketing stimuli and transaction behavior. It is concluded that while external incentives attract attention, the actual conversion into a sale depends heavily on the consumer's psychological intent. These results imply that e-commerce platforms should prioritize strategies that nurture consumer interest and desire rather than relying solely on cost reduction. Effective marketing for the student demographic must bridge the gap between initial attraction and the internal commitment to buy.
The Effect of Perceived Usability and Algorithmic Personalization on Continuance Intention through Perceived Value on the Netflix Digital Subscription Platform Jihan Alya Rahma Putri Irmawan; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.06

Abstract

Through perceived value acting as a mediating variable, it attempts to examine the impact of perceived usability and algorithmic personalization on continuing intention across the Netflix digital subscription platform. 88 Netflix users participated in this instance, which takes a quantitative approach using the PLS-SEM method. According to the outcomes, perceived usability enhances perceived value but has no discernible tangible impact on continuing intention. On another aspect, both continuance intention and perceived value have been beneficially affected by algorithmic personalization. Furthermore, it has been proven that continuance intention is improved by perceived value. It implies that the role of perceived usability and algorithmic personalization on continuing intention on digital subscription platforms is mediated by perceived value.
The Effect of Digital Service Quality and UI UX on Satisfaction and Intention to Reuse the MyTelkomsel Application Fathir Fairuzzi; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.05

Abstract

This study looks at how the quality of digital services and the user interface/user experience (UI/UX) affect user satisfaction and the desire to use the MyTelkomsel app again. The research uses a quantitative method where data was gathered through an online survey sent to students in the Digital Business program at the Faculty of Economics and Business, Universitas Negeri Jakarta, who have used the app before. The data was analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with SmartPLS software. The findings show that digital service quality has a strong and positive impact on both user satisfaction and the intention to use the app again. However, UI/UX does not significantly influence either user satisfaction or reuse intention. User satisfaction plays a key role in influencing reuse intention and partially connects digital service quality to reuse intention, but it does not act as a bridge between UI/UX and reuse intention. These results suggest that in apps related to practical telecommunications services, users care more about the functional parts of the service, like reliability, efficiency, and security, rather than the design or experience of the interface. This study adds new knowledge to the field of digital service quality and offers useful guidance for improving user satisfaction and promoting continued use of telecom apps.
The Effect of the Convenience and Benefits of GoPayLater on the Interest in Use with Moderation of Trust among FEB UNJ Students Mardiana Saharani; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.04

Abstract

The development of digital technology in the financial sector has encouraged the emergence of non-cash payment services, one of which is paylater. GoPayLater is a paylater service that is widely used by students because it offers convenience and flexibility in payments. The purpose of this study is to examine the effect of usability and its advantages on the interest in using GoPayLater, considering trust as a variable that intervenes, among Jakarta State University's Faculty of Economics and Business students. Quantitative techniques are employed, implementing an explanatory design. A Likert scale was used to gather the data questionnaire, administered to students via Purposive sampling is used by GoPayLater. Data analysis is done using partial least squares-structural equation modeling (PLS-SEM). The results shown that interest and trust in use were significantly impacted by usability. On the other hand, the benefits of use are significantly influenced by usage interest but not by trust. In addition, trust has no significant effect on usage interest. These findings show that the functional aspect is the main factor in encouraging interest in using GoPayLater among students.
The Effect of Discounts and Price on Purchase Decisions of GoFood Services among Generation Z Students at Universitas Negeri Jakarta with Perceived Value as a Mediating Variable Fikri Pirmansyah; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.12

Abstract

Pricing strategies are vital in guiding consumer decisions on digital platforms, especially in online food delivery apps. This research examines how discounts and pricing affect purchase choices, highlighting perceived value as a key mediator. The study targets Generation Z students at Universitas Negeri Jakarta, a group known for high digital literacy and frequent use of GoFood. Using a quantitative method, data were analyzed with Partial Least Squares–Structural Equation Modeling (PLS-SEM) from responses gathered via structured questionnaires. Results show that both discounts and price significantly impact perceived value, which in turn increases the probability of purchase. However, discounts do not directly influence purchase decisions, implying that price discounts alone are not enough unless they add perceived value. Conversely, price directly affects purchasing, indicating that fairness and affordability are crucial for Generation Z. Mediation analysis confirms perceived value as an essential link between pricing strategies and purchase decisions. Focusing on actual buying behavior rather than intent provides a clearer insight into value-based decision-making in online food delivery. The study suggests platforms targeting Generation Z should focus on pricing strategies that improve perceived value rather than relying only on discounts.
The Influence of Discount Vouchers and Free Shipping on the Frequency of Online Food Purchases among Students Using ShopeeFood at Universitas Negeri Jakarta Radja Rafi Radja Rafi Aryawira; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.13

Abstract

The expansion of financial technology (fintech) has increased digital financial engagement among university students however, higher adoption does not necessarily indicate responsible digital financial behavior. This study investigates the effects of fintech trust and financial literacy on digital financial behavior, with fintech usage decision positioned as an intervening variable. Using a quantitative approach, data were collected from 361 students of the Faculty of Economics and Business, Universitas Negeri Jakarta, and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal that fintech trust and financial literacy significantly influence fintech usage decisions and directly affect digital financial behavior. Nevertheless, fintech usage decision does not significantly mediate the relationship between trust, literacy, and behavioral outcomes. These results indicate the presence of a behavioral gap, where factors that encourage fintech adoption do not automatically translate into prudent financial management practices. This study contributes to the fintech and financial behavior literature by distinguishing adoption-oriented decisions from post-adoption behavioral quality, emphasizing that trust and financial literacy primarily drive usage decisions rather than ensuring responsible digital financial behavior among young users.
The Effect of Inflation and Interest Rate Levels on Consumer Credit with Global Economic Policy Uncertainty as Moderating Variable in Indonesia Nugroho, Dwi Alam; Prima, Resti; Usman, Osly
Golden Ratio of Data in Summary Vol. 6 No. 1 (2026): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v6i1.1402

Abstract

This study aims to analyze the influence of inflation and interest rates (BI Rate) on consumption credit in Indonesia, with global economic policy uncertainty as a moderating variable. This study uses secondary data in the form of monthly time series data from June 2015 to March 2025 published by the Financial Services Authority (OJK), Bank Indonesia, and the Economic Policy Uncertainty Index. Multiple regression analysis was applied to estimate the relationship of each variable, accompanied by normality, multicollinearity, and heteroscedasticity tests, so that it met the requirements for a valid and robust regression. The results of the study show that inflation has a negative and significant influence on consumption credit, while interest rates also have a negative but insignificant influence. Global economic policy uncertainty has proven to be able to moderate the negative influence of inflation on consumer credit, so that the negative impact is weaker when uncertainty is greater. Meanwhile, the role of the moderation of global economic policy uncertainty on the relationship between interest rates and consumption credit does not appear significant. Regression analysis also showed that models that included moderation variables were better able to explain the variation in consumption credit distribution, which reached 51.3%.
The Influence of Digital Engagement and FOMO on the Intention to Participate in Community Based Running Events Kayla Diandra Alisya; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.14

Abstract

This study investigates the influence of digital engagement and the Fear of Missing Out (FOMO) on individuals’ intention to participate in community-based running events. As digital platforms increasingly shape how runners connect, share experiences, and follow community activities, understanding their behavioral impact becomes essential. Using a quantitative approach, data were collected through an online questionnaire distributed to active and potential members of running communities and analyzed using PLS-SEM. The results show that both digital engagement and FOMO significantly and positively affect participation intention, with digital engagement also acting as a partial mediator that strengthens the effect of FOMO. These findings highlight how interactive digital content and social exposure play a vital role in encouraging physical event participation. The study contributes to the literature on sports participation behavior in the digital era and offers practical insights for organizers and sports marketers to optimize digital strategies, enhance community connection, and design more compelling communication to increase event participation.
Co-Authors Achmad Fauzi Adib, Sahal Afham Adnan Kasofi Adnan Kasofi Afidah Nur Aslamah Afif Khairi Agung Pangestu Agung Priambodo, Ervin Agung Wahyu Handaru Alamsyah, Muhammad Fikri Alika Khairunisa Ananda Mochammad Rizky Anggriawan Oktobisono Annisa Lutfia Annisa Lutfia Ansar, Rudy Arga Pramesty, Desnita Aris Muhamad Syukur Ariyo Alinugroho Singgih Arum Nur Anggraini Ayu Aprilia Azalia, Farah Cantika Aziz, Sumayyah Bicky Maulana budiantoro, Anandha Budisutiono, Clara Immanuella Christian Wiradendi Wolor Corry Yohana Darma Rika Swaramarinda, Darma Rika Devina Angistya Maharani Dewi Agustin Pratama Sari Dewi Susita Dhafin Syah, Muhammad Dhany Asmara Hidayat Diena Noviarini Diena Novirini Dinar Agus Sara Elilia Nindy Prastika Elilia Elsha Melinda Evitasari, Kirayna Fadli, Ghifari Aminudin Farhan Taruna Farhan Taruna Fathir Fairuzzi Febi Ferdian Farhan Fikri Pirmansyah Ghea Agita Ghifari Aminudin Fad’li Hajar Mareti A Harits Ikbar Henry Eryanto HENRY ERYANTO, HENRY Herdian Akbar Hery Irawan Hery Widijanto Husnul Khotimah Ika Febrilia Ikbar, Harits Indriyana, Saoki Ismail, Shuja Azmi Jihan Alya Rahma Putri Irmawan Jonathan Halomoan Simanjuntak Kasofi, Adnan Kayla Diandra Alisya Krissanya, Nofriska Kusumaningtyas, Daru Putri Latip, Nadia Salsabila Levi, Daud Maeka, Lita Maharani, Melwanda Rieka Maharrizki, Alif Mardiana Saharani Mardta, Rendy Marsofiyati Marsofiyati Maulana Amirul Adha Mawardi, Ikhsan Meta Bara Berutu Monoarfa, Terrylina Arvinta Mufida Ahmad, Alfi Muhammad Fathi Farhan Muhammad Fawaiq, Muhammad Muhammad Ferry Hidayat Muhammad Iqbal Nurdwiratno Mulya, Rika Noviana Munawaroh Musyaffi, Ayatulloh Michael Nada, Shafwatun Nida Auliyah Ningsih, Rifa Silviaty Nirmala Fauziah Nopridawati Norjanah, Nika Fitri Nugroho, Dwi Alam Nurshinta, Nurshinta Oktobisono, Anggriawan Paquita, Shiva Silvia Ponco Dewi Karyaningsih Prihastomo, Galih Prima, Resti Purwana E.S., Dedi Putri Kusumaningtyas, Daru Putri Nabila Putri Wahyuningsih Putrianna Radja Rafi Radja Rafi Aryawira Rafi, Narendra Pakala Rahmadghani, Taufiq Rahmi Rahmi Rangga Aksara, Frenda Riansyah, Raisan Agus Rida Prihatni Riswandi Riswandi Riyadi, Salsabila Annisa Riza Azzahra Rizki Firdausi Rachma Dania Rizky, Ananda Mochammad Roni Faslah Roni Faslah Rukmana, Amelda Elsa Ryna Parlina Ryna Parlyna Ryna Parlyna, Ryna Samsul Jamaludin, Muhamad Sari, Rindi Nurlaila Seilatu, Novan Yonatan Septamasurya, Rafli Setyawan, Muhammad Dimas Arbi Shandy Aditya Shandy Aditya, Shandy Solly Aryza Suherman Suherman Sulastri, Tita Suparman, Ady Fahril Suparno Suparno Suryadi Suryadi Susan Febriantina SUSAN FEBRIANTINA, SUSAN Syaputri, Shyndy Syukur, Aris Muhamad Tasya Aqilah Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Teuku Rio Febrian Alfa Risky Tri Hesti Utaminingtyas Tri Nada Nisrina Tri Nada Nisrina Ulfah Zulkarnain, Nadia Umar Hasan Umi Widyastuti Umi Widyastuti Usep Suhud Vannisa Fahrani Vina Devi Yekti Irawan Vina Devi Yekti Irawan Vinia Auliya Wahyu Eka Pratiwi, Sovia Wardani, Cintya Kusuma Wibowo, Daniel Pungkas Prastia Widya Parimita, Widya Witanti Putri Anggreani Yeni Hesti Verawati Manurung Zaahidah, Asmaa Zillah, Isfanz Ainu Zulianto, Wahyu