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All Journal Jurnal Multidisiplin West Science West Science Social and Humanities Studies
Putri, Rezty Arizta
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Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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The Effect of Social Risk, Intellectual Capital, and HR Policies on ESG Performance of Financial Technology Companies in West Java Nurhayadi, Willy; Fitriani, Heny; Putri, Rezty Arizta; jamaludin, Nur; Sucihati, Sucihati
West Science Social and Humanities Studies Vol. 3 No. 07 (2025): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v3i07.2102

Abstract

This study investigates the influence of Human Resource (HR) Policies, Intellectual Capital, and Social Risk on Environmental, Social, and Governance (ESG) Performance within the fintech industry. As ESG factors increasingly shape stakeholder expectations and regulatory frameworks, fintech companies must adopt sustainable practices not only through technology but also through strategic human and intellectual resource management. Using a quantitative approach with data analyzed via Structural Equation Modeling–Partial Least Squares (SEM-PLS), the findings demonstrate that all three variables—HR Policies, Intellectual Capital, and Social Risk—positively and significantly affect ESG Performance. HR Policies emerged as the most influential factor, followed by Social Risk and Intellectual Capital. The model also shows strong explanatory and predictive relevance. These results highlight the crucial role of human capital development and risk mitigation in driving sustainability efforts in fintech firms.
The Role of E-Wallet Adoption, Digital Security Perceptions, and Technology Reliability on Digital Payment System Usage Decisions in East Java Rizani, Ahmad; Putri, Rezty Arizta; Inayah, Shofiatul; Kurniati, Deti; Rahman, Arief
Jurnal Multidisiplin West Science Vol 5 No 01 (2026): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v5i01.3153

Abstract

This study examines the influence of e-wallet implementation, digital security perceptions, and technology reliability on digital payment system usage decisions in East Java. Using a quantitative research approach, data were collected from 150 active digital payment users through a structured questionnaire measured on a five-point Likert scale. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) version 3 to evaluate both the measurement and structural models. The results indicate that e-wallet implementation has a positive and significant effect on digital payment usage decisions, highlighting the importance of usability, system integration, and functional design. Digital security perceptions emerge as the strongest determinant, emphasizing that users’ confidence in data protection and transaction safety plays a critical role in shaping adoption behavior. Technology reliability also shows a significant positive influence, demonstrating that system stability and transaction accuracy are essential for sustaining user trust and continued usage. Overall, the findings suggest that digital payment adoption in East Java is driven by a combination of effective system implementation, strong security perceptions, and reliable technological performance. This study contributes to the digital finance and fintech adoption literature by providing empirical evidence from a regional context and offers practical insights for e-wallet providers and policymakers to strengthen digital payment ecosystems.
Co-Authors Ahmad Rizani, Ahmad Arief Rahman Deti Kurniati Heny Fitriani Inayah, Shofiatul Nurhayadi, Willy Sucihati, Sucihati