Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
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This Author published in this journals
All Journal Jurnal Riset Manajemen Jurnal Riset & Sains Ekonomi
Putri, Felyanah Dessy Cinthya
Unknown Affiliation
Humanities Economics, Econometrics & Finance Education Other

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Spendception and AI-Driven Digital Payment Deception: A Literature Review Susanto, Fajar; Artha, Bhenu; Nur, Sadath M.; Putri, Felyanah Dessy Cinthya; Dinka, Cynta Akya
Jurnal Riset Manajemen Vol 3 No 1 (2026): Maret
Publisher : Fakultas Ekonomi, Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64620/jurma.v3i1.127

Abstract

This systematic literature review examines "spendception", the psychological deception of spending more when using digital payments, within the context of recent trends in digital finance from 2020 to 2026. The review synthesizes 42 peer-reviewed studies to identify critical research gaps, analyze the convergence of AI-driven personalization and real-time transaction processing in exacerbating impulsive consumption, and establish the imperative for policymakers and marketing organizations to prioritize consumer protection and digital literacy initiatives. The SLR reveals significant gaps in longitudinal research, neurobiological understanding, regulatory integration, intersectional vulnerability analysis, and intervention mechanisms, gaps essential for developing comprehensive consumer protection frameworks in an increasingly sophisticated fintech ecosystem.
Sustainable Cultural Tourism in the Age of (Green) AI: Opportunities and Challenges for Heritage Sites Santoso, Fajar; artha, bhenu; Nur, Sadath M.; Putri, Felyanah Dessy Cinthya; Julia, Adista Ika
Jurnal Riset dan Sains Ekonomi Vol 3 No 1 (2026): Maret
Publisher : Fakultas Ekonomi, Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64620/jrse.v3i1.45

Abstract

Cultural heritage artifacts can be protected and repaired to serve as the foundation for sustainable tourism and related enterprises. Intangible cultural heritage, in particular, stands out as a kind of cultural authenticity, therefore it can be used to generate socioeconomic benefits in the cultural tourism industry. Virtual Reality (VR) and Augmented Reality (AR) are now nearly universally used, resulting in considerable changes in manufacturing and consumption processes. These technologies have found widespread use in marketing, promotion, and even product development. This theoretical overview brings together recent research on how artificial intelligence (AI) is altering sustainable cultural and heritage tourism. It maps key theoretical lenses (socio-technical systems, sustainability/SDG frameworks, cultural heritage theory, experience economy, and technological determinism), identifies major AI-enabled opportunities (interpretation, accessibility, demand management, conservation, community empowerment), and highlights critical challenges (authenticity, equity, data governance, commodification, environmental footprint, skills). AI, AR, VR, and robotics form a tightly coupled technology ecosystem whose combined effect on heritage tourism is simultaneously enabling and disruptive. Thoughtful stewardship, community co-ownership, and interdisciplinary evaluation are essential to harness benefits, enhanced interpretation, conservation efficiency, accessibility while guarding against threats to authenticity, equity, and sustainability. The study concludes with policy and research recommendations for heritage managers, policymakers, and researchers seeking to strike a balance between technological innovation, sustainability, and cultural integrity.
Co-Authors Artha, Bhenu Dinka, Cynta Akya Fajar Santoso Fajar Susanto Julia, Adista Ika Nur, Sadath M.