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"Aplikasi cloud Point of Sale (POS) merupakan teknologi yang terlibat dalam melakukan pencatatan penjualan, pembayaran, serta proses yang berkaitan di dalamnya dengan memanfaatkan penyimpanan data di internet. Kegunaan dari aplikasi cloud POS memberikan manfaat yang cukup besar bagi Usaha Mikro Kecil Menengah (UMKM) dalam menjalankan usahanya. Dengan mengintegrasikan teori technology affordance dan teori Unified Theory of Acceptance and Use of The Technology 2 (UTAUT2), penelitian ini mengidentifikasi faktor-faktor technology affordance dari aplikasi cloud POS dan faktor-faktor yang memengaruhi intensi penggunaan aplikasi cloud POS pada pelaku UMKM. Penelitian ini dilakukan dengan mixed-method. Penelitian kualitatif dilakukan dengan melakukan wawancara bersama 10 narasumber pelaku UMKM yang telah menggunakan aplikasi cloud POS. Pengolahan data kualitatif dilakukan dengan menggunakan grounded theory. Kemudian, dilanjutkan dengan penelitian kuantitatif dilakukan dengan menyebarkan kuesioner online dengan 243 responden pelaku UMKM yang telah menggunakan aplikasi cloud POS dan diolah dengan metode Structural Equation Model Partial Least Square (PLS-SEM). Penelitian ini berhasil mengidentifikasi technology affordance aplikasi cloud POS berupa monitorability, recordability, transactionability, decision supportability, dan accessibility. Melalui uji PLS-SEM, penelitian ini menunjukkan jika performance expectancy, effort expectancy, facilitating condition, social influence, dan price value memengaruhi intention to adopt. Selain itu, ditemukan juga bahwa pelaku UMKM di Indonesia masih kurang sadar terkait adanya risiko dari penggunaan teknologi cloud.

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Cloud Point of Sale (POS) application is a technology that is involved in recording sales, payments, and processes related to it by utilizing data storage on the internet. The use of the cloud POS application provides considerable benefits for Micro, Small, and Medium Enterprises (MSMEs) in running their business. By integrating technology affordance and Unified Theory of Acceptance and Use of The Technology 2 (UTAUT2), this study identifies the technology affordance factors of the cloud POS application and the factors that influence the intention to use the cloud POS application among MSME actors. This research was conducted with mixed-methods. Qualitative research was conducted by interviewing 10 MSME actors who have used the cloud POS application. Qualitative data processing is done by using grounded theory. Then, it was followed by quantitative research conducted by distributing online questionnaires with 243 MSME respondents who had used the cloud POS application and processed it using the Structural Equation Model Partial Least Square (PLS-SEM) method. This research successfully identifies the technology affordance of the cloud POS application in the form of monitorability, recordability, transactionability, decision supportability, and accessibility. Through the PLS-SEM test, this research shows that performance expectancy, effort expectancy, facilitating condition, social influence, and price value affect the intention to adopt. In addition, it was also found that MSME actors in Indonesia are still not aware of the risks associated with using cloud technology."

"Perkembangan smartphone dan internet menghasilkan perubahan besar pada kebiasaan dan preferensi konsumen, yaitu dengan menggunakan media digital untuk berbagi informasi, berkomunikasi, berbelanja online dan menggunakan layanan baru berbasis internet. Bank Digital adalah model terbaru dari dunia perbankan yang tidak memiliki kantor cabang/fisik dimanapun dan dirancang untuk memberikan layanan perbankan melalui platform elektronik, sedangkan bank konvensional adalah sistem perbankan lama yang layanannya masih diberikan secara tatap muka melalui kantor cabang terdekat. Bank digital memiliki banyak manfaat dibandingkan dengan bank konvensional seperti: pendaftaran yang lebih mudah, 24 jam akses layanan, dll. Trust transfer theory digunakan dalam penelitian ini untuk mengukur proses perpindahan trust dari dua objek yang saling berhubungan yaitu bank konvesional dan bank digital. Penelitian ini juga menggunakan valence framework dan innovation diffusion theory untuk mengetahui faktor-faktor yang mempengaruhi intensi pengguna dalam menggunakan aplikasi bank digital. Secara keseluruhan, model penelitian ini terdiri dari 13 variabel: relative advantages, compatibility, observability, perceived ease of use, behavioral intention, perceived risk, activation cost, monetary cost, initial trust of digital banking, offline banking trust, reputation, consumer disposition to trust, dan trust to internet. Penelitian ini dianalisis menggunakan metode covariance-based structural equation model (CB-SEM) dengan tools AMOS 22.0 menggunakan 370 data responden yang valid. Hasil analisis telah membuktikan bahwa offline banking trust mempengaruhi secara positif terhadap reputation; offline banking trust dan reputation memepengaruhi secara positif terhadap intial trust of digital banking; faktor trust to internet memoderasi hubungan antara offline banking trust dan initial trust of digital banking; initial trust of digital banking mempengaruhi secara negatif terhadap perceived risk; initial trust of digital banking mempengaruhi secara positif terhadap relative advantages; initial trust of digital banking, relative advantages, observability, dan compatibility mempengaruhi secara positif terhadap behavioral intention pengguna. Penelitian ini diharapkan dapat mengisi kekosongan penelitian terdahulu terkait konteks kepercayaan pada bank digital. Penelitian ini juga diharapkan dapat berkontribusi dan memberikan manfaat kepada industri perbankan di Indonesia dalam meningkatkan fitur yang kurang dan mengatur strategi sesuai dengan tujuan bisnis.

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The development of smartphones and the internet has resulted in major changes in consumer habits and preferences, namely by using digital media to share information, communicate, shop online and use new internet-based services. Digital bank is the latest model of the banking world that doesn’t have any branch or physical office, which is designed to provide banking services through an electronic platform. Whereas, conventional banking is old banking system where services are provided face-to-face through the nearest branch office. Digital bank has many benefits compared to conventional bank such as easier registration, 24-hours services access, etc. Trust transfer theory is used in this research in order to measure the process of transferring trust between two interrelated objects, conventional banks and digital banks. This research also uses the valence framework and innovation diffusion theory to determine the factors that influence user intentions in using digital banking applications. Overall, this research model consists of 13 variables such as relative advantages, compatibility, observability, perceived ease of use, behavioral intention, perceived risk, activation cost, monetary cost, initial trust of digital banking, offline banking trust, reputation, consumer disposition to trust, and trust to the internet. This research was analyzed using the covariance- based structural equation model (CB SEM) method with AMOS 22.0 using 370 valid respondent data. The results of the analysis proven that offline banking trust has a positive effect on reputation; offline banking trust and reputation positively affect the initial trust of digital banking; the factor of trust to internet moderates the relationship between offline banking trust and initial trust of digital banking; initial trust of digital banking negatively affects perceived risk; initial trust of digital banking positively affects the relative advantages; initial trust of digital banking, relative advantages, observability, and compatibility positively affect the behavioral intention of users. This research is expected to fill the void or gap from the previous research related to the context of trust in the digital bank. Last but not least, this research is expected to contribute and provide benefits to the banking industry in Indonesia aim to improve the features that are still lacking and make strategies according to the business goals."

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Penelitian ini dilakukan untuk menganalisis pengaruh media sosial terhadap salah satu aspek psikologis penggunanya, yaitu kepuasan tubuh (body satisfaction), dengan menggabungkan dasar teori Tripartite Influence Model of Body Dissatisfaction dan teori Stimulus-Organism-Response, dan juga memodifikasi dengan penambahan faktor-faktor pemicu (stimulus) dari model dasar, yaitu aktivitas yang berkaitan dengan video penampilan fisik (photo-based activity), motivasi untuk terlihat baik dari media sosial (appearance motivation) dan literasi media sosial pengguna (social media literacy). Objek dari penelitian ini merupakan media sosial TikTok, sebagai salah satu media sosial berbasis gambar (photo-based) dengan subjek penelitian pengguna TikTok yang berbasis di Indonesia dan memiliki rentang umur 17 – 26 tahun. Penelitian ini dilakukan dengan metode gabungan pendekatan kuantitatif dan kualitatif. Data kuantitatif didapatkan melalui penyebaran kuesioner dengan hasil 507 responden dan diolah menggunakan metode Covariance Based Structural Equation Modeling (CB-SEM) dengan bantuan aplikasi SPSS AMOS. Kemudian, untuk kualitatif dilakukan dengan mewawancarai 32 responden dan dianalisis dengan metode content-analysis. Hasil dari penelitian ini menunjukkan bahwa upward appearance comparison dipengaruhi oleh photo-based activity dan appearance motivation, sedangkan untuk thin-ideal internalization dipengaruhi oleh appearance motivation dan social media literacy. Upward appearance comparison dan thin ideal internalization comparison memberikan dampak buruk terhadap body satisfaction penggunanya. Hasil penelitian ini diharapkan dapat memberikan kontribusi bagi penelitian selanjutnya dalam topik pengaruh media sosial terhadap persepsi tubuh penggunanya, serta bagi pihak media sosial TikTok dalam usahanya menciptakan lingkungan media sosial yang sehat bagi penggunanya.

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This research was conducted to analyze the effect of media social on human's perception of their body image, specifically on body satisfaction, by combining a theoretical basis of the Tripartite Influence Model of Influence model and the Stimulus-Organism-Response theory, and also by modifying the stimulus factors, which are photo-based activity, appearance motivation, and social media literacy. The object of this research is TikTok, a photo-based social media, with the research subject of TikTok users based in Indonesia with age ranges from 17 to 26. This research was conducted with a mixed method, combining quantitative and qualitative approaches. The quantitative data was acquired by distributing questionnaires with the results of 507 respondents and was processed through Covariance Based Structural Equation Modeling (CB-SEM) method with the help of the SPSS AMOS application. As for the qualitative approach, the data was acquired by interviewing 32 respondents, and the answers were analyzed using a content-analysis method. This research indicated that upward appearance comparison is affected by photo-based activity and appearance motivation, as thin-ideal internalization is affected by appearance motivation and social media literacy. Both upward appearance comparison and thin-ideal internalization can be harmful to body satisfaction. Through the findings from this research, we hope to contribute to future research on related topics and for TikTok as the social media provider to create a healthier social media environment for their users

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"Seiring berkembangnya teknologi, Usaha Mikro Kecil Menengah (UMKM) berupaya meningkatkan performa pengelolaan bisnis dengan menggunakan aplikasi rantai pasok. Salah satunya adalah aplikasi Krealogi yang dikembangkan oleh PT Karya Du Anyam. Meskipun telah terbukti dapat memudahkan UMKM dalam mengelola bisnisnya, Krealogi masih memiliki permasalahan terkait alur penggunaan dan tampilan pada aplikasi. Dengan demikian, adanya penelitian ini bertujuan untuk memberikan solusi permasalahan tersebut berupa rancangan desain interaksi alternatif. Perancangan tersebut dilakukan dengan metode User-Centered Design yang mengacu pada teori Shneiderman’s Eight Golden Rules of Interface Design. Dalam mengetahui kesulitan dan kebutuhan pengguna, penulis menyebarkan survei, melakukan wawancara, dan menganalisis hasil usability testing yang dilakukan pihak Krealogi pada desain sebelumnya. Berdasarkan analisis tersebut, dihasilkan solusi desain interaksi untuk fitur keuangan, manajemen hubungan pelanggan, integrasi dengan e-commerce dan logistik, rencana produksi, pesanan masuk, manajemen stok, serta performa. Selanjutnya, dilakukan evaluasi guna menilai usability dari rancangan desain yang dibuat. Evaluasi dilakukan secara kualitatif dengan usability testing dan kuantitatif melalui kuesioner System Usability Scale (SUS). Hasil perhitungan dari evaluasi SUS menunjukkan bahwa desain yang direkomendasikan pada penelitian ini memiliki nilai rata-rata sebesar 80.75. Skor SUS ini memiliki predikat A yang berarti sudah cukup baik.

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As technology develops, Micro, Small, and Medium Enterprises (MSMEs) seek to improve business management performance using supply chain applications. One of them is the application called Krealogi that developed by PT Karya Du Anyam. Although it has been proven to make it easier for MSMEs to manage their business, Krealogi still has problems related to the application’s flow of use and appearance. Thus, this research aims to provide solutions to these problems in the form of alternative interaction designs. The design was carried out using the User-Centered Design method, which refers to Shneiderman’s Eight Golden Rules of Interface Design theory. In knowing the difficulties and needs of users, the authors distribute surveys, conduct interviews, and analyze the results of usability testing conducted by Krealogi on the previous design. Based on this analysis, interaction design solutions are generated for financial features, customer relationship management, integration with e-commerce and logistics, production planning, incoming orders, stock management, and performance. Furthermore, an evaluation is carried out to assess the usability of the designs made. The evaluation was conducted qualitatively with usability testing and quantitatively through the System Usability Scale (SUS) questionnaire. The calculation results from the SUS evaluation show that the recommended design in this study has an average value of 80.75. This SUS score has an A predicate which means it is pretty good."

"Perkembangan model e-dagang baru yakni Subscription-based Online Service (SOS) telah mencapai skala global, dengan peningkatan signifikan dari tahun ke tahun, tercatat adanya pemasukan 7,5 Trilliun Dolar Amerika secara kolektif, dari 2.000 penyedia jasa SOS di Amerika Serikat saja. Metode berbelanja yang inovatif dan hemat waktu mengindikasikanevolusi dalam industri mode dan kecantikan. Fashion Subscription-Based Online Services (SOS) sangat mewabah di Barat, namun keberadaaannya tidak sebesar itu di Benua Asia, terutama di Asia Tenggara. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhiPurchase Intention pengguna terhadap Fashion Subscription-Based Online Services (SOS). Penelitian ini menggunakan pendekatan kuantitatif dengan total responden yang terkumpul sebanyak 852 data yang merupakan pengguna layanan Fashion SOS di Asia Tenggara. Data kemudian dianalisis dengan Partial Least Square Structural Equation Method (PLS-SEM) menggunakan software SmartPLS 3. Hasil penelitian pun menunjukkan bahwa faktor-faktor utilitarianisme, hedonisme, kesadaran akan fashion, keinginan akan produk yang unik, sikap serta subjective norm berdampak pada Intention menggunakan Fashion SOS di Asia Tenggara.Perusahaan industri Fashion and Beauty dapat menggunakan wawasan ini untuk secara akurat memprediksi pasar sasaran yang tepat dan memiliki pemahaman yang lebih baik tentang konsumen yang telah menggunakan metode belanja yang baru, mudah, dan nyaman ini

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The emerging e-business Subscription-based Online Services (SOS) providing periodic delivery of products customized in a box to consumers has, in aggregate, become a USD 7.5 billion industry with over 2,000 SOS retailers in the US only. Such an innovative and timesaving method of shopping may indicate the evolution in the fashion and beauty industry.

This paper aims to identify factors that affects customer’s intention to use Fashion Subscription-Based Online Services (SOS) in Southeast Asia. These factors are based on Ajzen’s Theory of Planned Behaviour (TPB). The study will use quantitative approach on 852 respondents’ survey on Fashion SOS users across Southeast Asia. The data is then analysed

with Partial Least Square Structural Equation Method (PLS-SEM). The study shows that utilitarian and hedonistic motivations, fashion consciousness, and desire for unique product all lead to positive attitude towards Fashion SOS. Thus, along with subjective norms, the positive attitude ultimately leads to consumer’s intention to use Fashion Subscription-based Online Services (SOS) in Southeast Asia. Fashion and Beauty industry companies can also utilize

these insights to accurately predict the appropriate target market and have better understanding of consumers who have used this new, effortless, and convenient method of shopping

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"Aplikasi cloud Point of Sale (POS) merupakan teknologi yang terlibat dalam melakukan pencatatan penjualan, pembayaran, serta proses yang berkaitan di dalamnya dengan memanfaatkan penyimpanan data di internet. Kegunaan dari aplikasi cloud POS memberikan manfaat yang cukup besar bagi Usaha Mikro Kecil Menengah (UMKM) dalam menjalankan usahanya. Dengan mengintegrasikan teori technology affordance dan teori Unified Theory of Acceptance and Use of The Technology 2 (UTAUT2), penelitian ini mengidentifikasi faktor-faktor technology affordance dari aplikasi cloud POS dan faktor-faktor yang memengaruhi intensi penggunaan aplikasi cloud POS pada pelaku UMKM. Penelitian ini dilakukan dengan mixed-method. Penelitian kualitatif dilakukan dengan melakukan wawancara bersama 10 narasumber pelaku UMKM yang telah menggunakan aplikasi cloud POS. Pengolahan data kualitatif dilakukan dengan menggunakan grounded theory. Kemudian, dilanjutkan dengan penelitian kuantitatif dilakukan dengan menyebarkan kuesioner online dengan 243 responden pelaku UMKM yang telah menggunakan aplikasi cloud POS dan diolah dengan metode Structural Equation Model Partial Least Square (PLS-SEM). Penelitian ini berhasil mengidentifikasi technology affordance aplikasi cloud POS berupa monitorability, recordability, transactionability, decision supportability, dan accessibility. Melalui uji PLS-SEM, penelitian ini menunjukkan jika performance expectancy, effort expectancy, facilitating condition, social influence, dan price value memengaruhi intention to adopt. Selain itu, ditemukan juga bahwa pelaku UMKM di Indonesia masih kurang sadar terkait adanya risiko dari penggunaan teknologi cloud.

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Cloud Point of Sale (POS) application is a technology that is involved in recording sales, payments, and processes related to it by utilizing data storage on the internet. The use of the cloud POS application provides considerable benefits for Micro, Small, and Medium Enterprises (MSMEs) in running their business. By integrating technology affordance and Unified Theory of Acceptance and Use of The Technology 2 (UTAUT2), this study identifies the technology affordance factors of the cloud POS application and the factors that influence the intention to use the cloud POS application among MSME actors. This research was conducted with mixed-methods. Qualitative research was conducted by interviewing 10 MSME actors who have used the cloud POS application. Qualitative data processing is done by using grounded theory. Then, it was followed by quantitative research conducted by distributing online questionnaires with 243 MSME respondents who had used the cloud POS application and processed it using the Structural Equation Model Partial Least Square (PLS-SEM) method. This research successfully identifies the technology affordance of the cloud POS application in the form of monitorability, recordability, transactionability, decision supportability, and accessibility. Through the PLS-SEM test, this research shows that performance expectancy, effort expectancy, facilitating condition, social influence, and price value affect the intention to adopt. In addition, it was also found that MSME actors in Indonesia are still not aware of the risks associated with using cloud technology."