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All Journal Sisforma: Journal of Information Systems Jurnal Riset Manajemen
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.
Co-Authors Candyce Candyce Dona Angelina Lawrence Ridwan Sanjaya Serly Veronica Winestia Winestia Yohana Yemima Sihotang