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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) JURNAL LENTERA BISNIS Journal of Management and Leadership Jurnal Karinov Journal of Economics, Business, and Government Challenges Community Engagement and Emergence Journal (CEEJ) 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 Journal of Information Systems and Management 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 Journal Research of Social Science, Economics, and Management KOLONI Eduvest - Journal of Universal Studies JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Riset 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 Journal of Innovative and Creativity Jurnal Manajemen Bisnis Era Digital Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI PENG: Jurnal Ekonomi dan Manajemen Escalate : Economics and Business Journal Bina Bangsa International Journal of Business and Management Jurnal Riset Multidisiplin Edukasi Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab LANCAH Jurnal Inovasi dan Tren Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Perspektif Administrasi Publik dan hukum Jurnal Ilmu Sosial dan Humaniora Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Journal of Digital Business and Global Economy Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis E-Jurnal Manajemen Journal of Strategic Innovation in Economics and Business Journal of Strategic Marketing and Innovation IJEMA
Osly Usman
Universitas Negeri Jakarta
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering 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 Mathematics Neuroscience Public Health Social Sciences Other

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The Influence of Discount Vouchers and Free Shipping on the Frequency of Online Food Purchases among Students Using ShopeeFood at Universitas Negeri Jakarta Azzahrani Hafshah Valiandri; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 1 No. 1 (2025): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.01.1.03

Abstract

The objective of this study is to analyze the impact of discount vouchers plus shipping free on the frequency of online food and beverage purchases on the ShopeeFood platform with respondents from the Economics Faculty and Business Jakarta State University (FEB UNJ). This work employs a quantitative methodology using structural equation modeling based on partial Least Squares-Based. (SEM-PLS) method processed using SmartPLS. Questionnaires were used to gather data to FEB UNJ students who actively use ShopeeFood. The results show that discount vouchers and free shipping have a favorable and substantial impact on purchase frequency, with the influence of free shipping being more dominant. These findings indicate that promotional strategies focused on reducing transaction costs are effective in encouraging increased repeat purchases in the student segment.
The Influence of TikTok Shop’s UI/UX on Fashion Purchase Intention Mediated by Student Trust Romanus Mando Fransius Silaen; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 1 No. 1 (2025): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.01.1.04

Abstract

This study aims to investigate the influence of User Interface (UI) and User Experience (UX) on Fashion Purchase Intention among university students, with Student Trust serving as a mediating variable. Utilizing the Stimulus-Organism-Response (SOR) framework, this research employed a quantitative approach through an electronic survey distributed to 120 active university students in Indonesia who utilize TikTok Shop. Data analysis was executed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) via SmartPLS 4. The empirical results demonstrate that both UI and UX exert a positive and significant influence on Student Trust and Purchase Intention (p<0.05). Notably, UX was found to be the most dominant driver of Purchase Intention (β=0.510), indicating that functional efficiency outweighs aesthetic design in finalizing buying decisions. Furthermore, Student Trust significantly validates Purchase Intention; however, the mediation analysis revealed that trust does not function as a significant mediator in this model, suggesting that technical stimuli drive purchase intent directly. These findings imply that social commerce platforms should prioritize operational fluidity and transactional security to sustain high conversion rates among digitally native consumers.
The Influence of Digital Money Usage and Trust in Digital System on the Ease of Life Activities of FEB UNJ Students Nazwa Jelita Soleha; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 1 No. 1 (2025): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.01.1.05

Abstract

This study explores the impact of Digital Currency (X1) and Trust in Digital Systems (X2) on the Ease of Activities (Y) and overall convenience (Z) among FEB UNJ students. Using a quantitative survey with 155 respondents, the findings show that students perceive digital money as practical, fast, and efficient for campus transactions, while trust in digital systems enhances security and reliability. Both variables positively influence the ease of campus activities, improving productivity and overall student convenience. These results support the Technology Acceptance Model (TAM) and UTAUT, emphasizing the role of perceived usefulness and trust in promoting digital adoption. The study suggests that secure and user-friendly digital platforms are essential for enhancing academic and daily campus life.
The Influence of Financial Literacy and Risk Perception on Investment Intention with Trust as a Mediating Variable: A Study of Generation Z Students Using the Bibit Application Caecilia Sheryl Kusuma; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 1 No. 1 (2025): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.01.1.06

Abstract

This study investigates The Influence of Financial Literacy and Risk Perception on Investment Intention, with Trust as a Mediating Variable, among Generation Z students using the Bibit application. The study uses a quantitative methodology with SmartPLS 4.0 analysis and structural equation modeling (SEM). 114 individuals provided information using a standardized questionnaire. The results show that financial literacy significantly and favorably affects investing intention as well as trust. Although risk perception has a beneficial impact on trust, it has no direct effect on investment intention. Interestingly, trust has a large negative impact on investment intention, suggesting a complicated mediating role. The behavioral dynamics of Generation Z in fintech-based investing platforms are highlighted in this study, which adds to the body of literature on digital investments
An Extended Technology Acceptance Model of QRIS Adoption: The Roles of Perceived Ease of Use and Financial Literacy Syadin Alivia Yusuf; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 2 No. 1 (2026): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.02.1.01

Abstract

This study examines the factors that drive consumers’ intention to use QRIS by focusing on the effects of perceived ease of use and financial literacy on perceived usefulness. A quantitative survey was conducted using primary data collected through an online questionnaire from 110 QRIS users in Indonesia, selected through purposive sampling. Data analysis was carried out using IBM SPSS Statistics, covering respondent profiling, instrument validity and reliability assessment, classical assumption diagnostics, regression analysis, mediation testing, and hypothesis evaluation. The empirical findings indicate that perceived ease of use and financial literacy significantly and positively influence perceived usefulness. Moreover, perceived usefulness is proven to be a significant predictor of intention to use QRIS. The mediation results further highlight perceived usefulness as a key mechanism through which perceived ease of use and financial literacy contribute to intention to use indirectly. Overall, the study suggests that increasing QRIS adoption should be supported not only by improving system usability and convenience, but also by strengthening consumers’ financial literacy to enhance their perceived value of using QR-based payments. These findings offer practical implications for payment service providers and policymakers in encouraging sustainable and inclusive digital payment usage.
Adoption of PayLater among Digital Natives in Jakarta: The Role of TPB and Trust Hilsya Faiqotul Innayah; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 2 No. 1 (2026): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.02.1.02

Abstract

This research uses a combination of the Theory of Planned Behavior (TPB) and the trust construct to investigate what variables impact consumers' intentions to utilize PayLater services. Partially Least Squares-Structural Equation Modeling (PLS-SEM) was used to undertake the quantitative cross-sectional design of the study. According to the results, users' intents to use PayLater are positively and significantly impacted by trust, but there is no significant association between attitude toward the action, subjective norms, and perceived behavioral control. These results indicate that users’ confidence in system security, data protection, and the reliability of service providers serves as the primary determinant of PayLater adoption. Therefore, this study concludes that trust plays a more decisive role than psychological and social factors in shaping users’ engagement with PayLater services. Consequently, PayLater providers should focus on enhancing transparency, strengthening security systems, and safeguarding user data to build trust and encourage sustainable service usage.
The Effect of Scarcity-Based Promotion on Impulse Buying in TikTok Shop Live Streaming: A Stimulus, Organism, Response Perspective Nazwa Ramadhani; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 2 No. 1 (2026): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.02.1.03

Abstract

This research looks at how well scarcity promotions work in TikTok Shop live streams, using the Stimulus-Organism-Response (S-O-R) model. Limited-time and limited-quantity scarcity types are tested, with emotional excitement as the mediator, analyzed via SEM-PLS. The findings show that scarcity signals do not significantly impact emotional excitement or impulse buying, with no mediating effect despite positive path directions. The results suggest that promotional overload can weaken emotional and behavioral responses, serving as contextual limits for the S-O-R framework in mature live commerce platforms.
The Impact of Perceived Ease of Use and Perceived Risk of PayLater on Impulse Buying Behavior among Shopee Consumers Khansa Puti Zharifah Muza; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 2 No. 1 (2026): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.02.1.04

Abstract

This study explores how Shopee PayLater users' perceptions regarding the usability and potential risks of BNPL to their impulse buying behavior. A quantitative research design was applied using a survey approach, in which data were collected through questionnaires distributed to Shopee PayLater users. The analysis was carried out with SPSS, revealing that Perceived Ease of Use plays an important role on impulse buying behavior. This means that when Shopee PayLater is easy to understand and use, the consumers are more likely to make purchases without prior planning. In addition, Perceived Risk also has a significant effect on impulse buying behavior. This finding indicates that perceived risk does not always prevent consumers from making impulsive purchases in a buy now, pay later system. Overall, the findings confirm that Perceived Ease of Use together with Perceived Risk affect impulse buying behavior. This suggests that impulse buying among Shopee PayLater users is influenced by both the simplicity of the payment system and consumers’ perceptions of risk
Why Do Consumers Adopt NFC Keychains? The Role of Trust and Usefulness in Digital Payment Adoption Regina Humaningtyas Purba; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 2 No. 1 (2026): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.02.1.05

Abstract

This study investigates why consumers adopt NFC keychains as a digital payment tool by examining the role of trust and perceived usefulness within an extended Technology Acceptance Model. Using a quantitative approach with non-probability convenience sampling, 235 valid responses were analyzed through Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings reveal that perceived trust and perceived usefulness significantly influence behavioral intention. These results indicate that consumer adoption of NFC keychains is primarily driven by trust in the system and perceived practical benefits rather than usability or security considerations. The study contributes to the digital payment literature by highlighting the shifting determinants of adoption in intuitive, institutionally regulated payment innovations.
The Effect of E-Wallet Usage and Digital Financial Literacy on Digital Investment Decisions among Generation Z: The Mediating Role of Financial Self-Efficacy Ranty Pratiwi; Adnan Kasofi; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 2 No. 1 (2026): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.02.1.06

Abstract

Digital investment behavior among Generation Z has attracted increasing attention alongside the widespread use of digital financial services in Indonesia. This study explores the relationship between e-wallet usage, digital financial literacy, and digital investment decisions by considering financial self-efficacy as an intervening factor. Data were collected through a cross-sectional survey of Generation Z individuals who actively use e-wallet services and were analyzed using regression-based and mediation techniques. The findings reveal that e-wallet usage and digital financial literacy are associated with higher financial self-efficacy, which in turn contributes significantly to digital investment decisions. Moreover, e-wallet usage and digital financial literacy continue to show direct relationships with digital investment decisions after accounting for financial self-efficacy, indicating partial mediation. Overall, the results suggest that digital investment decisions are shaped not only by digital engagement and financial knowledge but also by individuals’ perceived ability to manage financial matters.
Co-Authors Achmad Fauzi Adhar, Ranisya Refanka Adib Pradipta Adib, Sahal Afham Adnan Kasofi Adnan Kasofi Afidah Nur Aslamah Afidah Nur Aslamah Afif Khairi Agung Pangestu Agung Priambodo, Ervin Agung Wahyu Handaru Agus Sulistyono Alamsyah, Muhammad Fikri Alika Khairunisa Alimah Alda Fuadiyah Ammar Shiddiq Yulianto Ananda Mochammad Rizky Andi Muh Fachry Anggriawan Oktobisono Annisa Lutfia Annisa Lutfia Ansar, Rudy Arga Pramesty, Desnita Aris Muhamad Syukur Ariyo Alinugroho Singgih Arum Nur Anggraini Atia Tiara Trisnawan Ayu Aprilia Azalia, Farah Cantika Aziz, Sumayyah Azzahrani Hafshah Valiandri Bianca Ayu Anindira Bicky Maulana Bintang Muhamad Harsya budiantoro, Anandha Budisutiono, Clara Immanuella Caecilia Sheryl Kusuma Christian Wiradendi Wolor Corry Yohana Daniel Pungkas Prastia Wibowo Darma Rika Swaramarinda, Darma Rika Daru Putri Kusumaningtyas Dea Permatasari Devina Angistya Maharani Dewi Agustin Pratama Sari Dewi Susita Dhafin Syah, Muhammad Dhany Asmara Hidayat Diena Noviarini Diena Novirini Dinar Agus Sara Diya Aldin Fadeyushka Dwi Pangestuti Dyah Ratu Dwihapsari Elilia Nindy Prastika Elilia Elsha Melinda Evitasari, Kirayna Fadhillah, Anindita Fadli, Ghifari Aminudin Farhan Taruna Farhan Taruna Farlian Oktora Pramudia Fathir Fairuzzi Fatimah Ambarwati Faza Hibatul Haqqi Febi Ferdian Farhan Fikri Pirmansyah Firgiawan Akbar Ghea Agita Ghifari Aminudin Fad’li Hajar Mareti A Harits Ikbar Hasna Azzahidah Henry Eryanto HENRY ERYANTO, HENRY Herdian Akbar Hery Irawan Hery Widijanto Hilsya Faiqotul Innayah Hindra Yani Husnul Khotimah Ika Febrilia Ikbar, Harits Ikhsan Mawardi Imam Argianto Indriyana, Saoki Ismail, Shuja Azmi Jasmine Lamia Safira Jauza Aqhna Kamila Jihan Alya Rahma Putri Irmawan Jonathan Halomoan Simanjuntak Juan Wody Romansa Julianda Jahid Muttaqin Kasofi, Adnan Kayla Diandra Alisya Khansa Puti Zharifah Muza Krissanya, Nofriska Kusumaningtyas, Daru Putri Laily Musyrifah Latip, Nadia Salsabila Levi, Daud Maeka, Lita Maharani, Melwanda Rieka Maharrizki, Alif Mardiana Saharani Mardta, Rendy Marsofiyati Marsofiyati Maulana Amirul Adha Mellani Indriyani Meta Bara Berutu Mohammad Akeyla Zedidiah Monoarfa, Terrylina Arvinta Mufida Ahmad, Alfi Muhammad Faisal Muhammad Fardiansyah Hendratama Muhammad Fathi Farhan Muhammad Fathurrahman Muhammad Fawaiq, Muhammad Muhammad Ferry Hidayat Muhammad Iqbal Nurdwiratno Muhammad Rafli Muhammad Yusuf Mulya, Rika Noviana Munawaroh Musyaffi, Ayatulloh Michael Nada, Shafwatun Nanda Melandri Nayla Zannata Mugni Nazwa Eka Putri Nazwa Jelita Soleha Nazwa Ramadhani Nida Auliyah Ningsih, Rifa Silviaty Nirmala Fauziah Nofriska Krissanya Nopridawati Norjanah, Nika Fitri Nugroho, Dwi Alam Nurshinta, Nurshinta Oktobisono, Anggriawan Paquita, Shiva Silvia Ponco Dewi Karyaningsih Pratiwi, Viyonila Prihastomo, Galih Prima, Resti Purwana E.S., Dedi Puspa Nuraini Putri Putri Kusumaningtyas, Daru Putri Nabila Putri Wahyuningsih Putrianna Radja Rafi Aryawira Rafi, Narendra Pakala Rahmadghani, Taufiq Rahmi Rahmi Raihan Kamilun Amin Rangga Aksara, Frenda Raniyah Kamilah Ranty Pratiwi Regina Humaningtyas Purba Renandia Chandra Putri Reysa Almaira Anandita Riansyah, Raisan Agus Rida Prihatni Rika Vebina Tarigan Riswandi Riswandi Riyadi, Salsabila Annisa Riza Azzahra Rizki Firdausi Rachma Dania Rizky, Ananda Mochammad Robith Ali Zain Musyafa Romanus Mando Fransius Silaen Roni Faslah Roni Faslah Rukmana, Amelda Elsa Ryna Parlina Ryna Parlyna Ryna Parlyna Ryna Parlyna, Ryna Safira Balqis Siahaan Samsul Jamaludin, Muhamad Saparuddin Mukhtar Sari, Rindi Nurlaila Seilatu, Novan Yonatan Septamasurya, Rafli Setyawan, Muhammad Dimas Arbi Shandy Aditya Shandy Aditya, Shandy Siti Nurlaela Solly Aryza Suherman Suherman Sulastri, Tita Suparman, Ady Fahril Suparno Suparno Suryadi Suryadi Suryadi, S. Susan Febriantina SUSAN FEBRIANTINA, SUSAN Syadin Alivia Yusuf Syaputri, Shyndy Syarifah Nadira Assegaf Syukur, Aris Muhamad Tasha Dwi Oktora Tasya Aqilah Teja Supraba 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 Umar Hasan Umi Widyastuti Umi Widyastuti Usep Suhud Vannisa Fahrani Verry Febriansyah 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 Yahya Abdurrahman Adib Yeni Hesti Verawati Manurung Zaahidah, Asmaa Zakky Chaidar Zillah, Isfanz Ainu Zulianto, Wahyu