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"Penelitian ini bertujuan untuk menganalisis persepsi yang muncul dari pribadi konsumen terhadap suatu produk teknologi baru yang berkaitan dengan hal sensitif yaitu hutang. PayLater merupakan bentuk lain dari kartu kredit yang sedang marak diadopsi oleh berbagai e-commerce saat ini. Sehubungan dengan fenomena tersebut, penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi intensi seseorang untuk menggunakan PayLater dengan menggunakan teori TAM (Technology Acceptance Model) dan teori UTAUT (Unified Theory of Acceptance and Use of Technology). Variabel dalam TAM yaitu perceived ease of use dan perceived usefulness, variable dalam UTAUT yaitu lifestyle compatibility dan facilitating condition, dan variabel lain seperti security dan trust akan mempengaruhi intensi konsumen melakukan pembayaran menggunakan PayLater. Variabel sikap terhadap hutang (debt attitude) ditambahkan dalam model karena konteks PayLater yang sama dengan berhutang. Teknik pengambilan sampel non probability, diperoleh 433 responden yang mengetahui metode PayLater sebelumnya. Data diolah dengan teknik SEM. Hasil penelitian ini menunjukan bahwa perceived usefulness dan lifestyle compatibility memberikan pengaruh paling besar pada pembentukan attitude terhadap PayLater, sedangkan debt attitude memberikan pengaruh secara indirect terhadap intensi menggunakan PayLater.

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This study aims to analyze the perceptions that appear from the consumers personally about a new technology product related to sensitive matters, namely debt. PayLater is another form of credit card that is being widely adopted by various e-commerce companies nowadays. In connection with the phenomenon, this study aims to determine the factors that influence one's intention to use PayLater by using the Technology Acceptance Model (TAM) theory and the Unified Theory of Acceptance and Use of Technology (UTAUT) theory. The variables in TAM are perceived ease of use and perceived usefulness, whilst the variables in UTAUT are lifestyle compatibility and facilitating conditions, and other variables such as security and trust will affect the consumers' intention to make payments using PayLater. The debt attitude variables are added to the model since the PayLater context is similar to being in debt. The non-probability sampling technique has obtained 433 respondents who previously have acknowledged the PayLater method. The data is processed by using the SEM technique. The results of this study indicate that perceived usefulness and lifestyle compatibility have the greatest influence on the formation of attitude towards PayLater, whereas debt attitude has an indirect effect on the intention to use PayLater."

"Pesatnya perkembangan layanan streaming musik atau Music Streaming Services (MSS) membentuk kenormalan baru dalam cara kita menikmati musik. Spotify telah memimpin pangsa pasar MSS di dunia walau kompetisi semakin kuat dalam memenuhi kebutuhan pengguna. Kebutuhan tersebut berkaitan erat dengan technology affordance atau apa yang layanan dapat penuhi sesuai persepsi dan tujuan penggunanya. Dengan memahami aspek technology affordance dari layanannya, Spotify dan penyedia MSS mampu menemukan solusi untuk meningkatkan retensi penggunanya serta pendapatannya keseluruhan. Penelitian yang dijalankan memiliki tujuan untuk mengetahui faktor-faktor terkait technology affordance dari layanan MSS serta pengaruhnya terhadap niat pengguna untuk tetap menggunakan dan berlangganan layanan premium dari MSS, khususnya Spotify. Penelitian mengidentifikasi technology affordance dari MSS melalui pendekatan grounded theory. Terdapat empat faktor utama technology affordance dari MSS, yaitu exploration, listening control, playlisting, serta social connectivity. Penelitian dilanjutkan dengan mengintegrasikan temuan tersebut dengan expectation-confirmation model (ECM) dan melakukan analisis kuantitatif menggunakan PLS-SEM pada 321 pengguna Spotify. Didapatkan bahwa subscription intention pengguna dipengaruhi oleh continuance intention. Selanjutnya, continuance intention dipengaruhi oleh perceived usefulness serta satisfaction dimana kedua hal tersebut dipengaruhi oleh confirmation. Terakhir, perceived usefulness dipengaruhi oleh seluruh aspek technology affordance dari MSS dimana dua faktor affordance dengan pengaruh terbesar yaitu exploration affordance dan listening control affordance. Penelitian ini mampu dikembangkan lebih lanjut dan mampu menjadi saran praktis bagi penyedia layanan MSS dalam mengembangkan layanan yang berfokus pada pengguna.

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The rapid growth of music streaming services (MSS) has shaped the new normal of how we listen to music. Spotify has been leading the global MSS market in terms of market share, even though the competition is getting tougher in fulfilling the user's needs. User's needs are heavily linked to technology affordance, which concerns what a service could afford based on the user's perception and goals. By understanding the technology affordance of their service, Spotify and other MSS providers can formulate a solution that could boost user retention and their overall revenue. The study aims to identify the technology affordance of MSS and how it affects the user’s continuance intention and subscription intention, especially on Spotify. The study identified MSS technology affordances through grounded theory approaches. There are four key technology affordances of MSS: exploration, listening control, playlisting, and social connectivity. The study continued with the integration of MSS technology affordances with expectation-confirmation model (ECM). It was found that subscription intention is influenced by continuance intention, continuance intention is influenced by perceived usefulness and satisfaction, in which these two factors are influenced by confirmation. Lastly, perceived usefulness was influenced by all of the identified MSS technology affordances, in which two factors with the greatest influence were exploration affordance and listening control affordance. The study findings could be developed for future research and stand as suggestions for MSS providers to develop user-centered services."

"Pesatnya perkembangan layanan streaming musik atau Music Streaming Services (MSS) membentuk kenormalan baru dalam cara kita menikmati musik. Spotify telah memimpin pangsa pasar MSS di dunia walau kompetisi semakin kuat dalam memenuhi kebutuhan pengguna. Kebutuhan tersebut berkaitan erat dengan technology affordance atau apa yang layanan dapat penuhi sesuai persepsi dan tujuan penggunanya. Dengan memahami aspek technology affordance dari layanannya, Spotify dan penyedia MSS mampu menemukan solusi untuk meningkatkan retensi penggunanya serta pendapatannya keseluruhan. Penelitian yang dijalankan memiliki tujuan untuk mengetahui faktor-faktor terkait technology affordance dari layanan MSS serta pengaruhnya terhadap niat pengguna untuk tetap menggunakan dan berlangganan layanan premium dari MSS, khususnya Spotify. Penelitian mengidentifikasi technology affordance dari MSS melalui pendekatan grounded theory. Terdapat empat faktor utama technology affordance dari MSS, yaitu exploration, listening control, playlisting, serta social connectivity. Penelitian dilanjutkan dengan mengintegrasikan temuan tersebut dengan expectation-confirmation model (ECM) dan melakukan analisis kuantitatif menggunakan PLS-SEM pada 321 pengguna Spotify. Didapatkan bahwa subscription intention pengguna dipengaruhi oleh continuance intention. Selanjutnya, continuance intention dipengaruhi oleh perceived usefulness serta satisfaction dimana kedua hal tersebut dipengaruhi oleh confirmation. Terakhir, perceived usefulness dipengaruhi oleh seluruh aspek technology affordance dari MSS dimana dua faktor affordance dengan pengaruh terbesar yaitu exploration affordance dan listening control affordance. Penelitian ini mampu dikembangkan lebih lanjut dan mampu menjadi saran praktis bagi penyedia layanan MSS dalam mengembangkan layanan yang berfokus pada pengguna.

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The rapid growth of music streaming services (MSS) has shaped the new normal of how we listen to music. Spotify has been leading the global MSS market in terms of market share, even though the competition is getting tougher in fulfilling the user's needs. User's needs are heavily linked to technology affordance, which concerns what a service could afford based on the user's perception and goals. By understanding the technology affordance of their service, Spotify and other MSS providers can formulate a solution that could boost user retention and their overall revenue. The study aims to identify the technology affordance of MSS and how it affects the user’s continuance intention and subscription intention, especially on Spotify. The study identified MSS technology affordances through grounded theory approaches. There are four key technology affordances of MSS: exploration, listening control, playlisting, and social connectivity. The study continued with the integration of MSS technology affordances with expectation-confirmation model (ECM). It was found that subscription intention is influenced by continuance intention, continuance intention is influenced by perceived usefulness and satisfaction, in which these two factors are influenced by confirmation. Lastly, perceived usefulness was influenced by all of the identified MSS technology affordances, in which two factors with the greatest influence were exploration affordance and listening control affordance. The study findings could be developed for future research and stand as suggestions for MSS providers to develop user-centered services."

"Adopsi e-commerce oleh usaha kecil dan menengah (UKM) merupakan salah satu faktor kunci kesuksesan bisnis. Oleh karena itu penting bagi kita untuk mengetahui manfaat adopsi e-commerce serta faktor penghambat dan pendorong adopsi e-commerce untuk UKM. Laporan ini merupakan hasil penelitian mengenai adopsi e-commerce bagi UKM.Penelitian ini bersifat deskriptif dengan teknik pengambilan data berupa survei yaitu menggunakan kuesioner untuk mendapatkan data kuantitatif dan wawancara langsung untuk mendapatkan data kualitatif mengenai adopsi e-commerce oleh UKM.Hasil penelitian ini menunjukkan bahwa UKM sudah mulai melakukan adopsi e-commerce untuk menunjang proses bisnisnya. Meskipun tingkat pemanfaatannya berbeda-beda namun secara umum adopsi e-commerce mampu memberi manfaat positif bagi peningkatan kinerja UKM. Hasil penelitian ini juga menunjukkan bahwa faktor biaya masih menjadi kendala utama dalam adopsi e-commerce. Sedangkan pelayanan pelanggan merupakan faktor pendorong utama bagi UKM untuk melakukan adopsi e-commerce. Dengan mengambil studi kasus UKM sektor perbankan di kota Depok, penelitian ini mampu memberi gambaran tentang adopsi e-commerce oleh UKM khususnya di sektor perbankan.

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E-Commerce adoption by Small and Medium Enterprises (SMEs) is one of the key factors of business. Therefore, it is essential for us to know the impacts of e-commerce adoption, as well as the deferring and driving factors of e-commerce adoption for the SMEs. This report is a result of research about e-commerce adoption for the SMEs.This is a descriptive research that used survey through questioner as its method to collect quantitative data and direct interview as its method to collect qualitative data about e-commerce adoption by the SMEs.The result of the research shows that SMEs have already starting to apply e-commerce adoption to maintain their business process. Although the degree of adoption is different from one SME to another, it is still generally accepted that ecommerce adoption will bring positive impacts towards SMEs development. The result of this research also shows that financing is still a major deferring factor in adopting e-commerce, whilst, customer service is one of the driving factor in ecommerce adoption. By using banking sectors in Depok as its research subject, this research is able to give actual illustration on e-commerce adoption by and for the SMEs."

"Penetrasi pengguna internet di Indonesia terus meningkat, dimana pada tahun 2018 171,17 juta telah menggunakan internet. Jumlah pengguna internet memicu pertumbuhan e-commerce. Perkembangan e-commerce, menyajikan berbagai metode pemasaran digital (digital marketing). Menjamurnya e-commerce berdampak pada ketatnya persaingan yang terjadi, sehingga e-commerce bersaing menggunakan berbagai metode pemasaran, salah satunya adalah adalah pemasaran menggunakan program pemasaran afiliasi. Model integrasi antara Technology Acceptance Model (TAM) dan Theory of Planned Behavior (TPB) digunakanuntuk menganalisis faktor-faktor apa yang mempengaruhi perilaku konsumen consumer untuk program pemasaran afiliasi. Selanjutnya diperoleh rekomendasi strategis bahwa menurut faktor-faktor yang mempengaruhi niat konsumen untuk menggunakan program pemasaran afiliasi.

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Internet user penetration in Indonesia continues to increase, where in 2018 171.17 million have used the internet. The number of internet users triggers the growth of e-commerce. The development of e-commerce, presents various digital marketing methods (digital marketing). The proliferation of e-commerce has an impact on the intense competition that occurs, so that e-commerce competes using various marketing methods, one of which is marketing using affiliate marketing programs. The integration model between Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) is used

to analyze what factors influence consumer consumer behavior for affiliate marketing programs. Furthermore, it is obtained strategic recommendations that according to the factors that influence consumer intentions to use affiliate marketing programs."

"Perkembangan internet dan smartphone mendorong berbagai kegiatan, salah satunya pembayaran, untuk dilakukan secara online dengan memanfaatkan teknologi mobile. Saat ini bank sudah mulai menyediakan layanan digital only bank. Namun, masih banyak pro-kontra terkait bank digital di Indonesia. Oleh karena itu, penelitian ini bertujuan untuk meneliti adopsi digital banking yang melibatkan perpindahan kepercayaan dari suatu e-commerce yang sudah banyak dipercayai dengan menggunakan teori trust transfer beserta faktor-faktor customer experience yang memengaruhi proses trust transfer tersebut. Penelitian ini menggunakan studi kasus bank digital SeaBank dengan e-commerce Shopee yang memiliki satu parent group yang sama yaitu Sea Group. Pendekatan kuantitatif pada penelitian ini memanfaatkan data dari penyebaran kuesioner daring dengan total 629 responden. Kemudian, data diolah menggunakan metode partial least squares structural equation modeling (PLS-SEM) dengan perangkat lunak SmartPLS 4. Hasil analisis data menunjukkan faktor customer cost, convenience, perceived ease of use, informativeness, dan relationship investment berpengaruh secara positif kepada trust in Shopee. Lalu, faktor customisation, customer cost, dan relationship investment berpengaruh secara positif kepada loyalty to Shopee. Selain itu, ditemukan bahwa trust in Shopee dan loyalty to Shopee memengaruhi trust in SeaBank secara positif, serta trust in SeaBank memengaruhi intention to use SeaBank secara positif, sehingga penelitian ini memperkuat teori trust transfer. Di lain sisi, faktor customisation tidak memengaruhi trust in Shopee dan faktor convenience, perceived ease of use, dan informativeness tidak memengaruhi loyalty to Shopee. Namun, penolakan beberapa hipotesis tersebut telah divalidasi oleh enam narasumber wawancara yang merupakan pengguna aktif Shopee. Implikasi teoritis penelitian ini adalah perluasan mengenai pengaruh customer experience terhadap value yang diberikan perusahaan kepada customer, dapat meningkatkan kepercayaan dan kesetiaan pengguna sekaligus memberikan fakta baru mengenai proses trust transfer hingga menjadi intention to use antara Shopee dengan SeaBank dalam konteks customer experience.

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The development of the internet and smartphones has facilitated various activities, including online payments, by leveraging mobile technology. Currently, banks have begun offering digital-only banking services. However, there are still many pros and cons related to digital banks in Indonesia. Therefore, this research aims to examine the adoption of digital banking, involving the transfer of trust from a well-established e-commerce platform, using the trust transfer theory and the factors of customer experience that influence this trust transfer process. This study focuses on the case of SeaBank, a digital bank, and Shopee, an e-commerce platform, which share the same parent group, Sea Group. The quantitative approach in this research utilizes data collected through online questionnaires with a total of 629 respondents. The data is then analyzed using the partial least squares structural equation modeling (PLS-SEM) method with SmartPLS4 software. The results of the data analysis show that factors such as customer cost, convenience, perceived ease of use, informativeness, and relationship investment have a positive influence on trust in Shopee. Furthermore, customisation, customer cost, and relationship investment have a positive impact on loyalty to Shopee. Additionally, trust in Shopee and loyalty to Shopee positively affect trust in SeaBank, and trust in SeaBank positively influences the intention to use SeaBank, thus strengthening the trust transfer theory. On the other hand, customisation does not affect trust in Shopee, and factors such as convenience, perceived ease of use, and informativeness do not influence loyalty to Shopee. However, the rejection of these hypotheses has been validated by six interviewees who are active Shopee users. The theoretical implications of this research include expanding the understanding of the influence of customer experience on the value provided by companies to customers, which can enhance user trust and loyalty, while also providing new insights into the trust transfer process leading to the intention to use between Shopee and SeaBank in the context of customer experience."

"Perkembangan internet dan smartphone mendorong berbagai kegiatan, salah satunya pembayaran, untuk dilakukan secara online dengan memanfaatkan teknologi mobile. Saat ini bank sudah mulai menyediakan layanan digital only bank. Namun, masih banyak pro-kontra terkait bank digital di Indonesia. Oleh karena itu, penelitian ini bertujuan untuk meneliti adopsi digital banking yang melibatkan perpindahan kepercayaan dari suatu e-commerce yang sudah banyak dipercayai dengan menggunakan teori trust transfer beserta faktor-faktor customer experience yang memengaruhi proses trust transfer tersebut. Penelitian ini menggunakan studi kasus bank digital SeaBank dengan e-commerce Shopee yang memiliki satu parent group yang sama yaitu Sea Group. Pendekatan kuantitatif pada penelitian ini memanfaatkan data dari penyebaran kuesioner daring dengan total 629 responden. Kemudian, data diolah menggunakan metode partial least squares structural equation modeling (PLS-SEM) dengan perangkat lunak SmartPLS 4. Hasil analisis data menunjukkan faktor customer cost, convenience, perceived ease of use, informativeness, dan relationship investment berpengaruh secara positif kepada trust in Shopee. Lalu, faktor customisation, customer cost, dan relationship investment berpengaruh secara positif kepada loyalty to Shopee. Selain itu, ditemukan bahwa trust in Shopee dan loyalty to Shopee memengaruhi trust in SeaBank secara positif, serta trust in SeaBank memengaruhi intention to use SeaBank secara positif, sehingga penelitian ini memperkuat teori trust transfer. Di lain sisi, faktor customisation tidak memengaruhi trust in Shopee dan faktor convenience, perceived ease of use, dan informativeness tidak memengaruhi loyalty to Shopee. Namun, penolakan beberapa hipotesis tersebut telah divalidasi oleh enam narasumber wawancara yang merupakan pengguna aktif Shopee. Implikasi teoritis penelitian ini adalah perluasan mengenai pengaruh customer experience terhadap value yang diberikan perusahaan kepada customer, dapat meningkatkan kepercayaan dan kesetiaan pengguna sekaligus memberikan fakta baru mengenai proses trust transfer hingga menjadi intention to use antara Shopee dengan SeaBank dalam konteks customer experience.

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The development of the internet and smartphones has facilitated various activities, including online payments, by leveraging mobile technology. Currently, banks have begun offering digital-only banking services. However, there are still many pros and cons related to digital banks in Indonesia. Therefore, this research aims to examine the adoption of digital banking, involving the transfer of trust from a well-established e-commerce platform, using the trust transfer theory and the factors of customer experience that influence this trust transfer process. This study focuses on the case of SeaBank, a digital bank, and Shopee, an e-commerce platform, which share the same parent group, Sea Group. The quantitative approach in this research utilizes data collected through online questionnaires with a total of 629 respondents. The data is then analyzed using the partial least squares structural equation modeling (PLS-SEM) method with SmartPLS4 software. The results of the data analysis show that factors such as customer cost, convenience, perceived ease of use, informativeness, and relationship investment have a positive influence on trust in Shopee. Furthermore, customisation, customer cost, and relationship investment have a positive impact on loyalty to Shopee. Additionally, trust in Shopee and loyalty to Shopee positively affect trust in SeaBank, and trust in SeaBank positively influences the intention to use SeaBank, thus strengthening the trust transfer theory. On the other hand, customisation does not affect trust in Shopee, and factors such as convenience, perceived ease of use, and informativeness do not influence loyalty to Shopee. However, the rejection of these hypotheses has been validated by six interviewees who are active Shopee users. The theoretical implications of this research include expanding the understanding of the influence of customer experience on the value provided by companies to customers, which can enhance user trust and loyalty, while also providing new insights into the trust transfer process leading to the intention to use between Shopee and SeaBank in the context of customer experience."

"Perkembangan internet dan smartphone mendorong berbagai kegiatan, salah satunya pembayaran, untuk dilakukan secara online dengan memanfaatkan teknologi mobile. Saat ini bank sudah mulai menyediakan layanan digital only bank. Namun, masih banyak pro-kontra terkait bank digital di Indonesia. Oleh karena itu, penelitian ini bertujuan untuk meneliti adopsi digital banking yang melibatkan perpindahan kepercayaan dari suatu e-commerce yang sudah banyak dipercayai dengan menggunakan teori trust transfer beserta faktor-faktor customer experience yang memengaruhi proses trust transfer tersebut. Penelitian ini menggunakan studi kasus bank digital SeaBank dengan e-commerce Shopee yang memiliki satu parent group yang sama yaitu Sea Group. Pendekatan kuantitatif pada penelitian ini memanfaatkan data dari penyebaran kuesioner daring dengan total 629 responden. Kemudian, data diolah menggunakan metode partial least squares structural equation modeling (PLSSEM) dengan perangkat lunak SmartPLS 4. Hasil analisis data menunjukkan faktor customer cost, convenience, perceived ease of use, informativeness, dan relationship investment berpengaruh secara positif kepada trust in Shopee. Lalu, faktor customisation, customer cost, dan relationship investment berpengaruh secara positif kepada loyalty to Shopee. Selain itu, ditemukan bahwa trust in Shopee dan loyalty to Shopee memengaruhi trust in SeaBank secara positif, serta trust in SeaBank memengaruhi intention to use SeaBank secara positif, sehingga penelitian ini memperkuat teori trust transfer. Di lain sisi, faktor customisation tidak memengaruhi trust in Shopee dan faktor convenience, perceived ease of use, dan informativeness tidak memengaruhi loyalty to Shopee. Namun, penolakan beberapa hipotesis tersebut telah divalidasi oleh enam narasumber wawancara yang merupakan pengguna aktif Shopee. Implikasi teoritis penelitian ini adalah perluasan mengenai pengaruh customer experience terhadap value yang diberikan perusahaan kepada customer, dapat meningkatkan kepercayaan dan kesetiaan pengguna sekaligus memberikan fakta baru mengenai proses trust transfer hingga menjadi intention to use antara Shopee dengan SeaBank dalam konteks customer experience.

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The development of the internet and smartphones has facilitated various activities, including online payments, by leveraging mobile technology. Currently, banks have begun offering digital-only banking services. However, there are still many pros and cons related to digital banks in Indonesia. Therefore, this research aims to examine the adoption of digital banking, involving the transfer of trust from a well-established e-commerce platform, using the trust transfer theory and the factors of customer experience that influence this trust transfer process. This study focuses on the case of SeaBank, a digital bank, and Shopee, an e-commerce platform, which share the same parent group, Sea Group. The quantitative approach in this research utilizes data collected through online questionnaires with a total of 629 respondents. The data is then analyzed using the partial least squares structural equation modeling (PLS-SEM) method with SmartPLS4 software. The results of the data analysis show that factors such as customer cost, convenience, perceived ease of use, informativeness, and relationship investment have a positive influence on trust in Shopee. Furthermore, customisation, customer cost, and relationship investment have a positive impact on loyalty to Shopee. Additionally, trust in Shopee and loyalty to Shopee positively affect trust in SeaBank, and trust in SeaBank positively influences the intention to use SeaBank, thus strengthening the trust transfer theory. On the other hand, customisation does not affect trust in Shopee, and factors such as convenience, perceived ease of use, and informativeness do not influence loyalty to Shopee. However, the rejection of these hypotheses has been validated by six interviewees who are active Shopee users. The theoretical implications of this research include expanding the understanding of the influence of customer experience on the value provided by companies to customers, which can enhance user trust and loyalty, while also providing new insights into the trust transfer process leading to the intention to use between Shopee and SeaBank in the context of customer experience."

"Usaha Mikro, Kecil dan Menengah (UMKM) memegang peranan penting dalam perekonomian Indonesia. E-commerce dapat memberikan keunggulan kompetitif bagi UMKM dan diproyeksi akan menjadi kontributor terbesar ekonomi digital Indonesia di tahun 2030, namun baru 22% UMKM Indonesia yang mengadopsi e-commerce. Penelitian ini menyelidiki faktor-faktor yang mempengaruhi adopsi e-commerce pada UMKM Indonesia khususnya di industri ritel dan memilih strategi adopsi e-commerce terbaik dengan menggunakan model Decision-Makers, Technological, Organizational, and Environmental (DTOE) dan teori Diffusion of Innovation (DOI). Hasil diolah menggunakan metode Decision Making Trial and Evaluation Laboratory (DEMATEL) berbasis Analytic Network Process (ANP) untuk melihat pengaruh dan prioritas antar faktor. Strategi adopsi e-commerce direkomendasikan berdasarkan hasil penelitian menggunakan metode Complex Proportional Assessment (COPRAS). Hasil dari penelitian ini menunjukkan bahwa faktor Pengetahuan IT Pengambil Keputusan, Sikap Pengambil Keputusan Terhadap Inovasi dan Kompleksitas merupakan faktor penting dalam rangka adopsi teknologi e-commerce, sedangkan pengembangan atau pelatihan keterampilan Information Technology (IT) dan e-commerce merupakan prioritas strategi dalam rangka meningkatkan adopsi teknologi e-commerce di UMKM ritel.

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Micro, Small, and Medium Enterprises (MSMEs) play a crucial role to Indonesia’s economy. E-commerce can help MSMEs gain competitive advantage and is expected to be the largest contributor to Indonesia's digital economy by 2030, but only 22% of MSMEs in Indonesia have adopted e-commerce. The aim of this study is to investigate the criteria that influence e-commerce adoption in Indonesian MSMEs, particularly in the retail industry and select the best e-commerce adoption strategy using the Decision-Makers, Technological, Organizational, and Environmental (DTOE) model and the Diffusion of Innovation (DOI) theory. The influence and priorities between criteria were calculated using the Decision Making Trial and Evaluation Laboratory (DEMATEL) based Analytic Network Process (ANP) method, and an e-commerce adoption strategy was selected using the Complex Proportional Assessment (COPRAS) method. The findings of this study indicate that Decision Maker’s IT Knowledge, Decision Maker's Attitude Towards Innovation, and Complexity are important criteria in the context of adopting e-commerce technology in retail MSMEs while the development or training of Information Technology (IT) and e-commerce skills was identified as the best strategy to increase adoption of e-commerce technology in retail MSMEs."

"E-commerce di Indonesia tidak hanya berkembang pesat namun juga inovatif. Live-streaming kini menjadi alat pemasaran bisnis dan kekuatan yang kemudian mendorong pertumbuhan dan perkembangan penjualan e-commerce. Penelitian ini bertujuan untuk memahami fak­­tor-faktor yang memengaruhi pembelian impulsif dalam live streaming commerce (LSC) di Indonesia menggunakan pendekatan model ELM (Elaboration Likelihood Model) dan teknik analisis Smart PLS 4 dengan model reflektif normatif.Hasil penelitian menunjukkan bahwa kredibilitas streamer, penularan resonansi, dan emotional support secara positif memengaruhi keterlibatan pelanggan (customer engagement), yang pada gilirannya memengaruhi kecenderungan pembelian impulsif. Kualitas informasi produk dan kualitas interaksi streamer tidak menunjukkan pengaruh yang signifikan terhadap pembelian impulsif.Customer engagement terbukti memediasi hubungan antara kredibilitas streamer, penularan resonansi, dan emotional support dengan kecenderungan pembelian impulsif. Kecenderungan mencari penawaran memoderasi hubungan antara customer engagement dan kecenderungan pembelian impulsif, di mana hubungan ini menjadi lebih kuat ketika pelanggan semakin responsif terhadap penawaran.

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The e-commerce landscape in Indonesia is not only rapidly expanding but also highly innovative. Live streaming has emerged as a powerful marketing tool for businesses, driving the growth and development of e-commerce sales. This study delves into the factors influencing impulsive buying in live streaming commerce (LSC) in Indonesia, employing the Elaboration Likelihood Model (ELM) approach and Smart PLS 4 analysis technique with a normative reflective model.

Key findings reveal that streamer credibility, resonance contagion, and emotional support positively influence customer engagement, which in turn impacts impulsive buying tendency. Interestingly, product information quality and streamer interaction quality do not exhibit a significant direct effect on impulsive buying. These findings suggest that in the context of LSC, impulsive purchasing decisions are driven more by emotional and social factors rather than product-related information or streamer interaction dynamics.

Customer engagement emerges as a crucial mediator between streamer credibility, emotional support, and impulsive buying tendency, highlighting its pivotal role in bridging these factors and influencing impulsive purchasing behavior. Additionally, deal-seeking tendency moderates the relationship between customer engagement and impulsive buying tendency, indicating that the strength of this relationship is amplified when customers are more susceptible to deals and promotions."