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All Journal Sisforma: Journal of Information Systems Jurnal Riset Manajemen Jurnal Manajemen Bisnis Digital Terkini
Winan Kristin Tambunan
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Computer Science & IT Decision Sciences, Operations Research & Management Education Engineering Library & Information Science

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The Impact of Digital Innovation Product Utilization in the Form of Augmented Reality on Students' Decision Making in Choosing Soegijapranata Catholic University, with Brand Image as a Mediating Variable Winan Kristin Tambunan; Ridwan Sanjaya
SISFORMA Vol 10, No 2: November 2023
Publisher : Soegijapranata Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24167/sisforma.v10i2.10659

Abstract

The purpose of this study was to determine the effect of augmented reality digital innovation product on decisions by intervening brand image. The samples taken were 100 Soegijapranata Semarang Unika students class of 2021. The analysis technique used was path analysis. The results of the study show: 1) there is a positive effect of augmented reality digital innovation product on brand image, 2) there is a positive effect of augmented reality product innovation on decisions, 3) there is a positive effect  of brand image on decisions, 4) augmented reality digital innovation product has an effect on decisions with brand image as intervening variable.
Pengaruh Literasi Keuangan dan Persepsi Risiko terhadap Kesadaran Pajak melalui Penggunaan E-wallet Winan Kristin Tambunan; Serly Veronica; Winestia Winestia; Candyce Candyce; Yohana Yemima Sihotang; Dona Angelina Lawrence
JURNAL RISET MANAJEMEN (JURMA) Vol 4 No 2 (2026): June: JURNAL RISET MANAJEMEN (JURMA)
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jurma.v4i2.4007

Abstract

The rapid advancement of digital financial technology has increased the adoption of e-wallets among university students and may influence tax awareness through greater transparency in digital transactions. This study examines the effects of financial literacy and risk perception on tax awareness through e-wallet usage among higher education students in Batam City, with culture included as a control variable. A quantitative survey was conducted involving 247 students who regularly use e-wallet services. Data were analyzed using multiple linear regression with robust standard error estimation in Google Colaboratory. The results indicate that financial literacy has a positive but insignificant effect on e-wallet usage (β = 0.0411, p > 0.05), whereas risk perception has a positive and significant effect (β = 0.5572, p < 0.01). E-wallet usage also positively and significantly affects tax awareness (β = 0.4613, p < 0.01). Furthermore, e-wallet usage significantly mediates the relationship between risk perception and tax awareness but does not mediate the relationship between financial literacy and tax awareness. These findings suggest that e-wallet adoption is driven more by digital lifestyle demands than financial literacy and that improving digital risk literacy may help strengthen students’ tax awareness and responsible use of financial technology.
Analisis Eksploratif Persepsi Risiko dan Regulasi dalam Adopsi AI pada Pelaku Industri Kreatif Batam Winan Kristin Tambunan; Giovanny Engellika; Ivan Rusliyanto; Mulyono Sutanto; Vina Vina
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 2 (2026): April: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i1.1219

Abstract

The rapid development of generative Artificial Intelligence (AI) technology offers significant efficiency opportunities across various sectors; however, empirical research within the local Indonesian context, particularly in Batam City, remains scarce. This exploratory study aims to analyze the influence of positive perception, negative perception, and AI regulation understanding on technology adoption trends, as well as productivity and product innovation opportunities among creative industry players. The creative industry is a focal point due to the inherent tension between technological efficiency and the preservation of human originality in the creative process. This research employs a quantitative causal approach, utilizing a sample of 30 respondents reached through snowball sampling techniques. Data analysis was performed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS software. The findings reveal that only positive perception has a significant direct impact on product innovation (p=0.004), while AI regulation and technical adoption do not show significant effects. This suggests that a positive technology mindset is a more decisive factor for innovation than technical mastery or current regulatory compliance. These results underscore the urgent need for local government socialization of AI policies and enhanced digital literacy for Batam's creative practitioners to transform them from mere users into strategic AI-driven innovators.
Co-Authors Candyce Candyce Dona Angelina Lawrence Giovanny Engellika Ivan Rusliyanto Mulyono Sutanto Ridwan Sanjaya Serly Veronica Vina Vina Winestia Winestia Yohana Yemima Sihotang