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All Journal Journal of Digital Business and Global Economy Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah. Journal of Strategic Marketing and Innovation
Afidah Nur Aslamah
Universitas Negeri Jakarta
Economics, Econometrics & Finance

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The Effect of Financial Literacy and Investment Behavior on Financial Inclusion through Financial Behavior as a Mediating Variable in the Sandwich Generation Dea Permatasari; 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.01.1.11

Abstract

This study looks at how investment behavior and financial literacy affect financial inclusion within Indonesia's sandwich generation. A structural equation model with SmartPLS was used to examine the quantitative data acquired from 105 respondents via online purposive sampling. The results demonstrate that financial conduct has considerable financial behavior that is significantly impacted by financial inclusion and financial knowledge. However, financial literacy has no direct bearing on financial inclusion or investment behavior, and financial conduct is not significantly influenced by investment activity.
The Impact of NFC and QRIS Utilization in Livin’ by Mandiri on Smart Mobility Experience among Public Transportation Users in DKI Jakarta Nazwa Eka Putri; 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.01.1.12

Abstract

This study examines the influence of digital payment utilization, namely Near Field Communication (NFC) and Quick Response Code Indonesian Standard (QRIS), on smart mobility experience with mobility efficiency as a mediating variable. The research employs a quantitative explanatory design using a conceptual modeling approach to analyze causal relationships among variables. Primary data were collected through an online questionnaire distributed to 105 public transportation users in DKI Jakarta who actively use the Livin’ by Mandiri application for transportation-related transactions. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM), covering measurement model evaluation and structural model testing. The results show that NFC utilization has a positive and significant effect on mobility efficiency, while QRIS utilization demonstrates a relatively weaker direct effect. Mobility efficiency significantly enhances smart mobility experience and partially mediates the relationship between digital payment utilization and smart mobility experience. The study concludes that efficiency-oriented digital payment usage contributes to improving urban mobility experience. These findings highlight the importance of optimizing digital payment systems to support smart mobility initiatives in metropolitan transportation environments.
Strategi Triple Helix dalam Inovasi Ekosistem Sertifikasi Halal UMKM di Kota Tangerang Hilman Hilman; Afidah Nur Aslamah
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol. 9 No. 1 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/madanisyariah.v9i1.941

Abstract

Penelitian ini menganalisis dampak sertifikasi halal terhadap kinerja dan keberlanjutan Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Tangerang dengan menitikberatkan pada kolaborasi Triple Helix antara pemerintah, akademisi, dan pelaku usaha. Metode penelitian menggunakan pendekatan kualitatif melalui wawancara mendalam dengan pelaku UMKM serta pihak Dinas Perindustrian, Perdagangan, Koperasi, Usaha Kecil dan Menengah Kota Tangerang. Hasil penelitian menunjukkan bahwa sertifikasi halal tidak hanya meningkatkan kepercayaan konsumen dan pertumbuhan penjualan, tetapi juga mendorong penciptaan lapangan kerja baru serta penerapan praktik usaha berkelanjutan. Pemerintah berperan dalam memfasilitasi proses sertifikasi melalui biaya sertifikasi, pembinaan atau pendampingan, dan kerja sama dengan BPJPH serta LPPOM MUI Banten. Namun, penelitian ini juga menemukan hambatan berupa keterbatasan kuota, rendahnya literasi halal, serta kerumitan administrasi. Melalui kerangka Triple Helix, kolaborasi antar pemangku kepentingan terbukti relevan dalam membangun ekosistem halal yang inklusif, inovatif, dan berkelanjutan, selaras dengan tujuan SDG 8 (Pekerjaan Layak dan Pertumbuhan Ekonomi) serta SDG 12 (Konsumsi dan Produksi yang Bertanggung Jawab). Penelitian ini menekankan pentingnya sinergi berkelanjutan agar sertifikasi halal dapat memberikan kontribusi optimal terhadap pembangunan ekonomi lokal yang berkelanjutan.
The Effect of Social Commerce and the TikTok Shop Marketplace Experience on Generation Z’s Impulse Buying, Moderated by Self-Control Ariyo Alinugroho Singgih; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.11

Abstract

The rapid penetration of digital transformation has fundamentally reshaped global consumer behavior, particularly through the evolution of Web 2.0 and the emergence of social commerce. This research explores the "shoppertainment" phenomenon on TikTok Shop, where the boundaries between social interaction and commercial activity have become increasingly blurred. The study aims to analyze the influence of Social Commerce and Marketplace Experience on the Impulse Buying behavior of Generation Z in Indonesia, with Self-Control serving as a moderating variable. As digital natives, Generation Z is highly susceptible to the algorithmic architecture of platforms designed to exploit psychological vulnerabilities through infinite scroll mechanisms and real-time personalized content. These features often induce a "flow state," minimizing the "pain of paying" and leading to unplanned purchases. Despite the convenience offered, this digital dynamic has substantial negative implications, such as post-purchase regret and cognitive dissonance, with surveys indicating that 64% of buyers experience regret due to financial waste. This study employs a quantitative methodology to examine whether internal psychological mechanisms, specifically self-control, can act as a relevant defense against aggressive external marketing stimuli. The findings reveal that while Social Commerce and Marketplace Experience significantly drive impulsive purchasing, Self-Control fails to effectively moderate these relationships. This suggests that the intensity of external stimuli and the frictionless shopping design of TikTok Shop tend to override individual self-regulation. This research provides crucial insights for the digital business landscape, emphasizing the urgency for Gen Z consumers to develop higher digital literacy and for platforms to consider the long-term psychological impact of their algorithmic designs.
Integrated Payment and E-Ticketing Driving Gen Z Continuance Intention in Indonesian Concert Marketplaces Muhammad Ferry Hidayat; Afidah Nur Aslamah; Osly Usman; Ryna Parlina
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.10

Abstract

This research looks at how integrating digital payment systems and e-ticketing affects the likelihood of Gen Z users to keep using concert ticket platforms. It also considers customer satisfaction as a key factor in this process. The study used a method called Partial Least Squares-based Structural Equation Modeling (SEM-PLS) to analyze the data. The findings show that all seven ideas tested were supported. The integration of a digital payment system helps improve customer satisfaction, and the same is true for e-ticketing. Customer satisfaction has a strong influence on the desire of users to continue using these platforms. Both digital payment and e-ticketing integration also directly affect how likely users are to keep using the service. E-ticketing has the biggest impact, suggesting that the usefulness of the main product is key to keeping users engaged. Customer satisfaction plays a partial role in connecting the two factors to user loyalty, showing that loyalty comes from both thinking about the experience and feeling satisfied. For practical use, the study suggests that developers of these platforms should focus on improving the e-ticketing experience, as it seems to be a more important factor in keeping Gen Z users than just payment features.
The Effect of Ease of Payment and User Experience on User Retention through Monetization Models in Digital Games Jonathan Halomoan Simanjuntak; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.09

Abstract

This study aims to analyze the influence of Ease of Payment (X1) and User Experience (X2) on User Retention (Z), mediated by Monetization Models (Y), addressing empirical inconsistencies in the literature regarding post-adoption behavior in digital games. Utilizing a quantitative explanatory design, data were collected from 158 students at the Faculty of Economics and Business, Universitas Negeri Jakarta, who are active microtransaction users. The hypothesis was tested using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results confirmed that both X1 and X2 significantly and positively influence Y and that X2 is the strongest direct predictor of Z (β = 0.723). Critically, the hypotheses related to the mediating role of Y (H6) and (H7) and the direct effect Y → Z (H3) were rejected. This outcome supports the study's main contribution: the postulation of Functional Isolation, which concludes that financial commitment (Monetization) is an independent utility transaction that does not reinforce psychological commitment (Retention). The primary implication is that for sustainable long-term engagement, developers must strategically prioritize investment in core User Experience (X2) rather than relying on the Monetization Model to secure user loyalty.
The Effect of Perceived Ease of Use and Perceived Usefulness on MyBCA’s Intention to Use in Gen Z Arum Nur Anggraini; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.08

Abstract

This study examines how Generation Z's desire to utilize the myBCA mobile application is affected by perceived utility (PU) and perceived ease of use (PEOU) using trust as a mediating variable. To precisely capture behavioral patterns in digital financial services, the study model expands about the Model of Technology Acceptance. Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to examine data from 70 respondents using a quantitative cross-sectional survey approach. The structural model showed high fit and strong predictive performance (Q square Intention to Use: 0.593). The results indicate that PU significantly and positively influences both Trust and Intention to Use. Conversely, PEOU significantly influences Trust, but doesn't directly impact the intention to use. The mediation analysis reveals that Trust fully mediates the PEOU-Intention to Use relationship, while partially mediating the relationship between PU and Intention to Use. These findings firmly suggest that Trust is a central psychological driver, transforming the perception of ease into actual adoption intention and substantially strengthening the impact of usefulness. The outcomes provide deep practical insights for financial institutions, highlighting the strategic importance of consistently strengthening user trust to enhance loyalty and adoption rates in the quickly changing digital banking market.
The Influence of Discounts & Free Shipping on Purchase Decisions through the Buying Interest of Universitas Negeri Jakarta Students on Shopee Nirmala Fauziah; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.07

Abstract

The primary objective of this investigation is to analyze how promotional incentives, specifically price discounts and free shipping, influence the actual purchasing choices of Universitas Negeri Jakarta (UNJ) students on Shopee, with purchase intention acting as a mediating factor. Using an explanatory quantitative framework, primary data were gathered from 114 active Shopee users through purposive sampling. The analytical process in this study employed Structural Equation Modeling using the Partial Least Squares technique to examine the relationships among variables. The empirical findings indicate that both price discounts and free shipping programs exert a substantial positive impact on purchase intention. However, these promotional tools do not demonstrate a significant direct effect on the final purchase decision. Instead, purchase intention serves as a critical bridge, fully mediating the relationship between marketing stimuli and transaction behavior. It is concluded that while external incentives attract attention, the actual conversion into a sale depends heavily on the consumer's psychological intent. These results imply that e-commerce platforms should prioritize strategies that nurture consumer interest and desire rather than relying solely on cost reduction. Effective marketing for the student demographic must bridge the gap between initial attraction and the internal commitment to buy.
The Effect of Perceived Usability and Algorithmic Personalization on Continuance Intention through Perceived Value on the Netflix Digital Subscription Platform Jihan Alya Rahma Putri Irmawan; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.06

Abstract

Through perceived value acting as a mediating variable, it attempts to examine the impact of perceived usability and algorithmic personalization on continuing intention across the Netflix digital subscription platform. 88 Netflix users participated in this instance, which takes a quantitative approach using the PLS-SEM method. According to the outcomes, perceived usability enhances perceived value but has no discernible tangible impact on continuing intention. On another aspect, both continuance intention and perceived value have been beneficially affected by algorithmic personalization. Furthermore, it has been proven that continuance intention is improved by perceived value. It implies that the role of perceived usability and algorithmic personalization on continuing intention on digital subscription platforms is mediated by perceived value.
The Effect of Digital Service Quality and UI UX on Satisfaction and Intention to Reuse the MyTelkomsel Application Fathir Fairuzzi; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.05

Abstract

This study looks at how the quality of digital services and the user interface/user experience (UI/UX) affect user satisfaction and the desire to use the MyTelkomsel app again. The research uses a quantitative method where data was gathered through an online survey sent to students in the Digital Business program at the Faculty of Economics and Business, Universitas Negeri Jakarta, who have used the app before. The data was analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with SmartPLS software. The findings show that digital service quality has a strong and positive impact on both user satisfaction and the intention to use the app again. However, UI/UX does not significantly influence either user satisfaction or reuse intention. User satisfaction plays a key role in influencing reuse intention and partially connects digital service quality to reuse intention, but it does not act as a bridge between UI/UX and reuse intention. These results suggest that in apps related to practical telecommunications services, users care more about the functional parts of the service, like reliability, efficiency, and security, rather than the design or experience of the interface. This study adds new knowledge to the field of digital service quality and offers useful guidance for improving user satisfaction and promoting continued use of telecom apps.
Co-Authors Alimah Alda Fuadiyah Andi Muh Fachry Ariyo Alinugroho Singgih Arum Nur Anggraini Azzahrani Hafshah Valiandri Caecilia Sheryl Kusuma Dea Permatasari Fathir Fairuzzi Fikri Pirmansyah Hilman Hilman Jihan Alya Rahma Putri Irmawan Jonathan Halomoan Simanjuntak Juan Wody Romansa Julianda Jahid Muttaqin Kayla Diandra Alisya Lailatul Isti’anah Mardiana Saharani Muhammad Fathurrahman Muhammad Ferry Hidayat Nanda Melandri Nazwa Eka Putri Nazwa Jelita Soleha Nirmala Fauziah Osly Usman Radja Rafi Aryawira Raniyah Kamilah Robith Ali Zain Musyafa Romanus Mando Fransius Silaen Ryna Parlina Ryna Parlyna Siti Nurlaela Teja Supraba Yeni Hesti Verawati Manurung