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All Journal Jurnal Ekonomi EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Manajemen dan Bisnis (JIMB) MIX : Jurnal Ilmiah Manajemen E-Dimas: Jurnal Pengabdian kepada Masyarakat International Journal of Supply Chain Management EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Manajemen Bisnis Jurnal Ilmiah Manajemen dan Bisnis Jurnal PkM (Pengabdian kepada Masyarakat) Husnayain Business Review Jurnal Pengabdian Masyarakat Akademisi International Journal of Islamic Business and Management Review Journal of Finance and Business Digital (JFBD) International Journal of Accounting & Finance in Asia Pasific Asia Pacific Journal of Management and Education Journal of Governance, Taxation, and Auditing Jurnal Kepariwisataan: Destinasi, Hospitalitas dan Perjalanan International Journal of Management and Digital Business SENEMA
Setini, Made
Universitas Warmadewa
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Transportation Other

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The Relationship between Digital Lifestyle (Cashless Society) and Consumer Financial Behavior of Generation Z in Denpasar Putra, Made Wianto; Setini, Made; Selamet, I Ketut; Purnamawati, Ida Ayu Putu Santi
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 9, No 1 (2026): February 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v9i1.4345

Abstract

The development of digital financial technology is driving significant changes in the consumption behavior of Generation Z, especially in the city of Denpasar, which is the center of digital-based economic activity in Bali. This study aims to analyze the influence of Financial Literacy and Digital Lifestyle (Cashless Society) on Consumptive Financial Behavior with Impulse Buying as a mediating variable. Using a quantitative approach and Partial Least Squares–Structural Equation Modeling (PLS-SEM) analysis, the study involved 250 Gen Z respondents who actively use digital services such as e-wallets, QRIS, and paylater. The results of the study show that financial literacy has a significant negative effect on consumptive behavior, which means that the higher the financial literacy, the lower the tendency to overconsumption. On the contrary, digital lifestyles have a significant positive effect on consumptive behavior, confirming that the ease of digital transactions increases the tendency to spontaneous consumption. The findings also reveal that impulse buying partially mediates the relationship between digital lifestyle and consumptive behavior, as well as mediates the full influence of financial literacy on consumptive behavior. Thus, impulsive impulses are an important psychological mechanism that explains how the digital environment shapes the financial behavior of Gen Z. This research makes a theoretical contribution to the literature on digital consumer behavior and offers practical implications for financial literacy education and digital transaction management policies for the younger generation
Menu Variations Influence Generation Z Customer Loyalty in Coffee Shops: Satisfaction Mediation and Social Media Marketing Moderation Dewi, Ni Nyoman Ayu Tresna Cahya; Indiani, Ni Luh Putu; Setini, Made
International Journal of Islamic Business and Management Review Vol. 6 No. 1 (2026): International Journal of Islamic Business and Management Review
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibmr.v6i1.1756

Abstract

This study examines the influence of menu variations on Generation Z customer loyalty in coffee shops in Denpasar City, with customer satisfaction as a mediating variable and social media marketing as a moderating variable. The research adopts a quantitative explanatory approach using questionnaire data collected from 175 respondents and analyzed through Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that menu variations have a positive and significant effect on both customer loyalty and customer satisfaction. However, customer satisfaction does not significantly influence loyalty and is unable to mediate the relationship between menu variations and loyalty. Furthermore, social media marketing is found to act as a quasi-moderator, strengthening the impact of menu variations on loyalty while also directly affecting loyalty. These results highlight that Generation Z loyalty is more driven by innovative product experiences and digital engagement rather than satisfaction alone. Therefore, coffee shops should prioritize continuous menu innovation supported by effective social media marketing strategies to build and maintain long-term loyalty among Gen Z consumers.
Customer Satisfaction as a Mediator Between Service Quality, CRM, and Customer Loyalty Damayanti, Made Dwika Dinda; Wahyuni, Ni Made; Setini, Made
Husnayain Business Review Vol. 6 No. 1 (2026)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia (ADPEBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/hbr.v6i1.1762

Abstract

Purpose – This study aims to examine the effects of service quality and customer relationship management (CRM) on customer loyalty, with customer satisfaction as a mediating variable, among Bank Permata customers in Bali. Methodology/approach – This research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 115 Bank Permata customers in Bali. The analysis was conducted using Partial Least Squares (PLS) to test the direct and indirect relationships among variables. Findings – The results reveal that service quality does not have a significant direct effect on customer loyalty, but it has a positive and significant influence on customer satisfaction. CRM has a positive and significant effect on both customer satisfaction and customer loyalty. Customer satisfaction also positively and significantly affects customer loyalty. Furthermore, mediation analysis indicates that customer satisfaction fully mediates the relationship between service quality and customer loyalty, while it partially mediates the relationship between CRM and customer loyalty. Novelty/value – This study provides empirical evidence that customer satisfaction plays a crucial bridging role in strengthening loyalty within the banking sector, particularly in the context of Bank Permata Bali. The findings highlight the importance of improving service performance and implementing sustainable, personalized CRM strategies to enhance long-term customer loyalty.
Artificial Intelligence in HRM: Threat or Opportunity for Employee Engagement? Putra, Ida Bagus Udayana; Setini, Made; Udayana, Ida Bagus Nyoman; Soelton, Mochamad; Sarmento, Olivia Imaculada do Rêgo
Asia Pacific Journal of Management and Education (APJME) Vol 9, No 1 (2026): March 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v9i1.4346

Abstract

Digital transformation in human resource management encourages universities to adopt an artificial intelligence-based human resource management (AI-based HRM) system to improve the efficiency and quality of organizational governance. However, the application of AI technology in HRM functions often raises ambivalence among lecturers and education staff, because on the one hand it provides ease of work, but on the other hand it raises concerns related to the burden of adaptation and shift in work roles. This condition has the potential to affect the level of employee engagement, which is an important factor in maintaining the performance and sustainability of higher education institutions. This study aims to analyze the influence of AI-based HRM and organizational support on employee engagement with AI perception as a mediation variable. This study uses a quantitative approach with an explanatory design. Data was collected through an online questionnaire using the Likert scale from 250 respondents consisting of lecturers and education staff at universities who have implemented an AI-based e-HRM system. The data analysis technique used Partial Least Squares–Structural Equation Modeling (PLS-SEM) to test the validity, reliability, and relationships between variables in the research model. The results showed that AI-based HRM and organizational support has a positive and significant effect on employee engagement. These two variables also have a significant effect on AI perception. Furthermore, AI perception has been shown to have a direct effect on employee engagement and partially mediates the influence of AI-based HRM and organizational support on employee engagement. These findings indicate that employee perception of AI as an opportunity, not a threat, is a crucial psychological mechanism in increasing work attachment. Theoretically, this research strengthens the relevance of this studySocial Exchange Theory, Organizational Support Theory, Technology Acceptance Model, and Job Demands–Resources Theory in the context of HRM digitalization in higher education. Practically, this study emphasizes the importance of the human-centered digitalization approach so that the implementation of AI can improve the quality of work and employee engagement in a sustainable manner
Co-Authors Agus Arijanto Asnawati Asnawati Damayanti, Made Dwika Dinda Darma, Dio Daru Asih Datrini, Luh Kade Denny Maulida DEWI, Kadek Goldina Puteri Dewi, Ni Nyoman Ayu Tresna Cahya Eko Tama Putra Saratian Evi Triandini GUNAWAN, I Putu Bayu Arya I Gusti Lanang Putu Tantra I Kadek Yoga Adi Antara I Made Sara I Made Suniastha Amerta I Nengah Dasi Astawa I Nengah Wirsa I Nyoman Rasmen Adi Ida Bagus Nyoman Udayana Ida Bagus Teddy Prianthara Ida Bagus Udayana Putra januarianta, I Kadek Ketut Darmayasa Luh Putu Virra Indah Perdanawati Made Mulyadi Maryam Nadi Mochamad Soelton Muhammad Sadiq Muhammed Hokroh Ni Luh Putu Indiani Ni Luh Wayan Sayang Telagawathi Ni Made Wahyuni Ni Nyoman Kerti Yasa Ni Putu Yuliana Ria Sawitri Pramana, Made Surya Puji Purwatiningsih, Aris PURNAMAWATI, Ida Ayu Putu Santi Purwadi Purwadi Putra, I Gede Cahyadi Putra, Ida Bagus Udaya Putra, Made Wianto Putu Ayu Sita Laksmi Putu Ngurah Suyatna Yasa Rahmayanti, Putu Laksmita Dewi Retno Wulandari Sarmawa, Wayan Gede Sarmento, Olivia Imaculada do Rêgo Selamet, I Ketut Sitiari, Ni Wayan Suardana, Gede Sudiyani, Ni Nyoman Surlimna, Ni Kadek Linda Wahyuni, Putu Ika Wirasmi Wardhani Wiratama, Nyoman Indra