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INDONESIA
Journal of Digital Business and Global Economy
Published by Asosiasi Transformasi Digital dan Bisnis Indonesia
ISSN : -     EISSN : 30908760     DOI : https://doi.org/10.64243/JODIGBI.01.2
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Digital Business and Global Economy (JODIGBI) is an International Journal, published since 2025. Registered with code of E-ISSN 3090-8760. JODIGBI open-access, and peer-reviewed journal dedicated to publishing high-quality research in the fields of economics and business. This journal serves as a platform for scholars, researchers, and professionals to share their latest findings, theoretical advancements, and practical insights that contribute to the development of global economic and business landscapes. Focus and Scope Journal of Digital Business and Global Economy (JODIGBI) covers all topics related to economics and business. JODIGBI is published six times a year, namely February, April, June, August, October and December, which is published by Asosiasi Transformasi Digital dan Bisnis Indonesia
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis dan Menejemen Intetrnasional
Articles 71 Documents
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Privacy Concerns and AI Hallucination Risks in Generative AI Continuance for Self-Directed Learning Victorianus Mario Isdianto Bimo Adi; Osly Usman
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): 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.02.3.10

Abstract

The determinants for continuance intention to use generative artificial intelligence (GenAI) for self-directed learning activities are explored. The research incorporates the Technology Acceptance Model (TAM), adding privacy concern and perceived risk of AI hallucination as factors that hinder adoption, and attitude toward using GenAI as a mediator. The study employed a quantitative method by using an online survey that was sent to respondents who were postgraduate students and employees of government institutions involved in using GenAI for self-directed learning. The 100 valid responses were analyzed with the Partial Least Squares Structural Equation Modeling (PLS-SEM) method by using the software SmartPLS 4. The results show that attitude towards the GenAI use has a significant positive impact on continuance intention, and Privacy concern has a significant negative impact on continuance intention. The perceived risk of AI hallucination, however, has no significant impact on attitude and continuance intention. Furthermore, the results suggest that the relationship between privacy concern and continuance intention is not mediated by attitude, and the same applies for the relationship between AI hallucination risk and continuance intention. These findings indicate that the issue of data privacy outweighs technical errors or inaccuracies in the GenAI system in determining continued use for self-directed learning. The study highlights the importance of strengthening privacy protection policies and improving AI literacy to support sustainable GenAI usage in educational contexts.
Financial Literacy, Financial Risk Tolerance, and Investment Among Postgraduate Students: The Mediating Role of Financial Self-Efficacy Bella Anggraeni Saputri; Umi Widyastuti; Suparno
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): 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.02.3.11

Abstract

This research was conducted to determine whether financial literacy and risk tolerance influence postgraduate students' investment decisions and to evaluate whether financial self- efficacy can be a bridge between these relationships. The study used a quantitative approach, involving 253 postgraduate students at Jakarta State University who had previously invested or were interested in investing. Information was gathered through surveys and checked with the SEM-PLS method. The results showed how students with better financial understanding tended to be more confident in handling their finances and made better investment decisions. Financial self-efficacy was also shown to play a role in driving investment decisions and acting as a bridge for financial literacy and investment decisions. Meanwhile, risk acceptance didn't give a big impact upon either financial self-eficacy nor investment decisions. In conclusion, the results of this research show that when making investment decisions, financial understanding and trust in their own skills are more influential than mere readiness to face risks. This study indicates that people who are confident in managing their finances are more likely to apply what they know about finance when making investment decisions.
The Effect of Financial Literacy, Self-Control, and Buy Now Pay Later (BNPL) Usage on Financial Decision-Making Among Generation Z: The Mediating Role of Financial Behavior Vania Utami; Osly Usman
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): 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.02.3.12

Abstract

By evaluating the mediating variable of financial behavior, this research investigates how financial literacy, self-control, and the usage of "Buy Now Pay Later" (BNPL) services affect financial decision-making among Generation Z. In this quantitative study, 163 members of Generation Z from the Jabodetabek region were surveyed to gauge their level of familiarity with or usage of BNPL services. An online questionnaire was used to gather data, which was then analyzed using PLS-SEM using SmartPLS 4. According to the study's findings, BNPL and financial literacy significantly impact people's ability to make sound financial decisions. Contrarily, there is little direct correlation between self-control and financial behavior and financial decision-making. In contrast to BNPL, the results show that financial knowledge and self-control considerably promote good financial conduct. Importantly, the study shows that financial behavior is not a moderating variable between financial decision-making and financial literacy, self-control, or BNPL use. Rather than being influenced by their everyday financial behavior routines, this study emphasizes that in the digital age, Generation Z's financial literacy and the use of digital credit facilities like BNPL are the primary drivers of their ultimate financial choices.
The Effect of Human Resource Management on Organizational Productivity Through Employee Satisfaction: A SEM-PLS Approach in InJourney Aviation Service Group Danang Brahmantyo S; Osly Usman
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): 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.02.3.13

Abstract

Abstract This is a quasi-experimental study that aimsto analyze the mediating role of employee satisfaction in athematical approach the impact of human resource management (HRM) on organizational productivity to Injourney AviationService Group. The design is mainly explanatory design and quantitative approach. DATA Data collected from 2025 Employee Satisfaction Survey of 2,166 workers in some work units within the company. SEM-PLS was used for analysis. The study found that HR management positively impacted employee satisfaction (β = 0.812), organizational productivity (β = 0.721), and organizational productivity (β = 0.264). HR management indirectly affects organizational productivity through employee satisfaction, 0.585 more than directly. These findings suggest that employee satisfaction mediates the HR management-organizational productivity relationship. This research provides a theoretical contribution to the development of a job satisfaction-based HR management model as well as practical implications for aviation service organizations in increasing productivity through effective HR management.
The Effect of Brand Image and Service Quality on Consumer Decision at Lapstore Bandar Lampung Bambang Irawan; Osly Usman
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): 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.02.3.14

Abstract

This paper investigates the influence of brand image and service quality on the purchase intentions of consumers purchasing laptops from Lapstore. The need for analysis in this research lies in the fact that business in laptops is increasingly competitive in this industry where businesses are challenged to create a good brand and great service in an effort to influence the consumer decision making process. Data collection was conducted by conducting a questionnaire-based collection with Lapstore customers who have previously purchased laptops. For our second analysis, multiple linear regression methods were utilized. The results indicate that brand image and quality of service affect positively and significantly spending decisions on laptops in Lapstore either independently or together. This study highlights the necessity of Lapstore to consider brand image and service quality as the critical indicators to determine consumer purchasing intentions.
How Psychological Comfort and Aesthetic Value Influence Purchase Decision in Dental Clinic Services: The Mediating Role of Price Perception Tri Adi Santosa; Osly Usman
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): 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.02.3.15

Abstract

This study aims to examine the influence of psychological comfort and aesthetic value on purchase decision in dental clinic services, with price perception serving as a mediating variable. We used quantitative explanatory research design and data analysis with Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that psychological comfort and aesthetic value have positive and significant effects on both price perception and purchase decision. Furthermore, price perception positively influences purchase decision and partially mediates the relationships between psychological comfort, aesthetic value, and purchase decision. The structural model demonstrates substantial explanatory power in predicting patients’ decisions to utilize dental clinic services. The findings reveal that psychological comfort is the most influential factor affecting purchase decision, exceeding the influence of aesthetic value. These results highlight the importance of creating a comfortable emotional environment, reducing patient anxiety, and enhancing the perceived aesthetic benefits of dental services. The study provides practical implications for dental clinic managers in developing patient-centered service strategies that strengthen perceived value and encourage service utilization.
Digital Literacy, Data Security Perception, and Behavioral Intention to Use Indonesia's Digital Identity Card (IKD): The Mediating Role of Perceived Ease of Use Susetya Nugroho; Osly Usman
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): 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.02.3.16

Abstract

One of the important aspects of the digital transformation agenda of Electronic-Based Government System (SPBE) in Indonesia is the Digital Identity Card (Identitas Kependudukan Digital/IKD). The distribution of its use is uneven because the urban areas are more digitally literate and the problem of personal data security remains although its use is slowly increasing in the urban areas. The research is based on the Technology Acceptance Model (TAM), and omission of the Perceived Usefulness as the mandatory and standardized usefulness of IKD, the study examines the effect of digital literacy and perception of data security on the behavioral intention of citizens to use IKD and how the perceived ease of use may mediate the relationship. A cross-sectional survey of 83 registered IKD users in DKI Jakarta, West Java and Banten was used as the data collection method and analyzed by PLS-SEM using SmartPLS 4. The common method bias was assessed by application of the single factor test and the marker-variable analysis and was found to be value of VIF which indicated no multicollinearity, SRMR = 0.071 was acceptably raised. A post-hoc power analysis provided further support of a sufficient statistical power (0.88). The results indicate that perception of data security is the most powerful predictor of the perceived ease of use (β = 0.550, p < 0.001, f² = 0.546) and behavioral intention (β = 0.351, p = 0.006). Moreover, the data security perception and behavioral intention are significantly (indirect = 0.177, p = 0.032), mediated by the perceived ease of use, but not by the digital literacy, which demonstrates a negative pattern of mediation, suggesting that the mediating process postulated by TAM is not equally effective between different antecedents. The implications of the findings on user experience design, data governance visibility, and the digital literacy policy in Indonesia and other developing economies which are undergoing digital transformation of the public services are enormous.
The Influence of Educational Level and Financial Knowledge on Investment Decisions Mediated by Financial Literacy in Generation Z and Millennials Nurul Anissa; Osly Usman
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): 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.02.3.17

Abstract

The study attempts to explore the factors affecting investment decisions amongst Generation Z and Millennials in the fast-evolving digital financial environment. Particularly, the study aims at determining the effects of education levels and financial knowledge on investment decision-making processes as well as the possibility of financial literacy acting as a mediator. An explanatory quantitative research design was employed in this investigation in order to collect information from a target group of young people who invested their funds using Structural Equation Modeling in SmartPLS. The findings demonstrate that education level does not have any effect on investment decision-making but it enhances financial literacy. In addition, although financial knowledge has a significant effect on making investment decisions, it is not associated with financial literacy. Importantly, the results indicate that financial literacy is the strongest predictor of investments as well as the best full mediator of the education-investment relationship. This finding provides a practical perspective for financial organizations as well as designers of digital platforms aiming at enhancing youth market penetration by constructing a proper educational structure instead of just imparting information.
The Role of Entrepreneurship Education and Digital Literacy in Enhancing Innovation Through Motivation as an Intervening Variable Muhammad Akbar Wiguna; Osly Usman
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): 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.02.3.18

Abstract

The shift towards a digitally driven economy has transformed the way new ventures emerge and prompted universities to incorporate digital skills into their curriculum to prepare students for innovation. In this context the research focuses on the positive roles of entrepreneurship education and digital literacy in terms of innovation, as well as on the potential role of motivation as a mediatorship. Exploratory quantitative research approach was used; Data was collected using a 26 item questionnaire scored on a 5 point likert scale. The samples used was purposive with 50 students of Master of Management at Jakarta State University as the respondents. Partial Least Squares Structural Equation Modeling (PLS SEM) of the SmartPLS software was used in processing the responses. The results indicate that digital literacy has a positive and significant effect on motivation (β = 0.291) and innovation (β = 0.442), while motivation also has a positive and significant effect on innovation (β = 0.501). In contrast, entrepreneurship education had a positive but insignificant effect on motivation (β = 0.387) and a small, insignificant negative effect on innovation (β = −0.100). Mediation testing revealed that motivation partially mediated the effect of digital literacy on innovation, but did not mediate the effect of entrepreneurship education on innovation. While the sample size was limited, the results suggest that digital literacy, rather than theory based entrepreneurship education, was the stronger driving force behind innovation in this reinforcing group, exerting its influence both independently and by reinforcing motivation.
The Effect of Work-Life Balance and Workload on the Academic Performance of Working Postgraduate Students: The Mediating Role of Burnout Wangi Lestari; Osly Usman
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): 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.02.3.19

Abstract

Growing number of postgraduate student carrying employment duty alongside academic study create greater challenge in balancing professional responsibility, personal commitment, and educational demand, ultimately affecting Academic Performance. This research aim at investigation of effect from Work-Life Balance and Workload upon Academic Performance among working postgraduate student, with Burnout included a mediating variable. Quantitative approach together with causal research design receive application. Study involve 80 working postgraduate student in Jakarta selected through purposive sampling. Data collection occur through online questionnaire and analysis utilize SEM PLS. Finding reveal positive effect from Work-Life Balance toward Academic Performance and negative effect toward Burnout. In contrast, Workload show negative influence upon Academic Performance and positive influence upon Burnout. Burnout itself produce negative impact upon Academic Performance and mediate connection between Work-Life Balance and Academic Performance, together with connection between Workload and Academic Performance. Proposed model account for 59.4% variation within Academic Performance. Alignment with JD-R Theory was reinforced through these percussions, while simultaneously emphasizing the necessity of sustaining Work-Life Balance and regulating Workload for facilitating Academic Performance among employed postgraduate learners.

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