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1
Susyani, Novi, Dzikri Muhammad Dhiya'ul Haq, Bunga Andini Putri, Yescinta Bella, Noval Murizadin, and Dewi Komala. "The Role of E- Wallet Applications on -E-Shopping Behavior of Millenial Mothers in Select Cities of Indonesia." Asian Journal of Economics, Business and Accounting 23, no. 18 (August 8, 2023): 131–38. http://dx.doi.org/10.9734/ajeba/2023/v23i181063.
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The research objective is to focus on how people use the E-wallet application using the internet on smartphones, especially millennial mothers. In the digital era with the extraordinary development of technology and information today affects all sectors of the economy, one of which can be seen from financial transaction systems such as cash transactions to non-cash transactions or electronic money. E-Shopping behavior refers to the level of personal financial competence in daily management ranging from planning, budgeting, checking, managing, storing, researching and controlling. This study specifically aims to determine the role of the E-wallet applications on the E-Shopping behavior of millennial mothers who use the E-wallet applications. Qualitative research methods are carried out with a phenomenological approach. The results showed that the e-wallet applications was recognized by millennial mothers to facilitate financial transactions but there were changes in E-Shopping behavior that were consumptive in nature that occurred when using e-wallets, these changes were seen from lifestyle, waste, shifting consumption logic, and social status classification in the E-Shopping behavior of millennial mothers.
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Yakubu, Usman Abbas, and Moch Panji Agung Saputra. "Time Series Model Analysis Using Autocorrelation Function (ACF) and Partial Autocorrelation Function (PACF) for E-wallet Transactions during a Pandemic." International Journal of Global Operations Research 3, no. 3 (August 8, 2022): 80–85. http://dx.doi.org/10.47194/ijgor.v3i3.168.
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The use of e-wallet can be accessed easily via the internet, this can create a positive impact for economic stability after the Covid-19 pandemic. This can move the wheels of the community's economy, through online shopping and the use of e-wallet among the public. The use of a number of digital services in Indonesia has increased during the Covid-19 pandemic. The first position is occupied by e-commerce and the second position is occupied by digital wallets which increased by 65%. Based on data from the increasing number of e-wallet service users in Indonesia. There are several forms of e-wallet that have a large scale, such as GoPay, OVO, Tokopedia, and Bukalapak. Several types of e-wallets can be analyzed for time series models, so that they can help project e-wallet transactions in the post-pandemic future. The method for obtaining the time series model is using the Autocorrelation Function (ACF) and the Patial Autocorrelation Function (PACF).
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Suhardi, Auliya Ahmad, Saparuddin Siregar, and Budi Dharma. "Perilaku Konsumsi Mahasiswa Dalam Memanfaatkan Dompet Digital:." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 5, no. 6 (July 31, 2023): 3713–23. http://dx.doi.org/10.47467/alkharaj.v5i6.4279.
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The advancement of time and technology that continues to develop brings enormous changes to various sectors of life today. This change is the presence of new innovations in digital-based financial and payment systems, namely the presence of e-wallets. The purpose of this study is to determine the consumption behavior of students in utilizing digital wallets, whether using a digital wallet makes them consumptive or can plan their finances in the future. This research was conducted using a descriptive qualitative method. The research results show that the use of digital wallets has an influence on student consumptive behavior. This can be seen from the consumption behavior of students in utilizing digital wallets. where students use digital wallets to fulfill all their needs, be it shopping online, paying electricity bills, credit, data, then ordering online transportation, ordering food and drinks and so on.
Keywords: consumption behavior, digital wallet, and students
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Suhardi, Auliya Ahmad, Saparuddin Siregar, and Budi Dharma. "Perilaku Konsumsi Mahasiswa Dalam Memanfaatkan Dompet Digital: Studi Kasus Mahasiswa/i UINSU Medan." Reslaj : Religion Education Social Laa Roiba Journal 6, no. 1 (July 31, 2023): 572–80. http://dx.doi.org/10.47467/reslaj.v6i1.4576.
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The advancement of time and technology that continues to develop brings enormous changes to various sectors of life today. This change is the presence of new innovations in digital-based financial and payment systems, namely the presence of e-wallets. The purpose of this study is to determine the consumption behavior of students in utilizing digital wallets, whether using a digital wallet makes them consumptive or can plan their finances in the future. This research was conducted using a descriptive qualitative method. The research results show that the use of digital wallets has an influence on student consumptive behavior. This can be seen from the consumption behavior of students in utilizing digital wallets. where students use digital wallets to fulfill all their needs, be it shopping online, paying electricity bills, credit, data, then ordering online transportation, ordering food and drinks and so on.
Keyword : consumption behavior, digital wallet, and students
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Budiarani, Vanesa Hana, Rahmat Maulidan, Diki Putra Setianto, and Ipuk Widayanti. "The Kano Model: How the Pandemic Influences Customer Satisfaction with Digital Wallet Services in Indonesia." Journal of Indonesian Economy and Business 36, no. 1 (January 20, 2021): 61. http://dx.doi.org/10.22146/jieb.59879.
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Introduction/Main Objectives: This study aims to evaluate the effectiveness of digital wallets service qualities using Kano Model. Understanding customer needs and satisfaction is crucial in developing products. Background Problems: In the “new normal” era, payment method is predicted to shift to digital wallets. For quality improvement, digital wallet companies should understand customer needs and satisfaction. This study used the Kano model to analyze customer needs and satisfaction in OVO and ShopeePay, two digital wallets widely used for online shopping transactions during COVID19. Novelty: Although studies into the Kano model implementation towards e-commerce exist, there are no specific studies on the model implementation concerning digital wallet payments amid COVID-19. The Kano model is significant in understanding which software products generate high customer satisfaction, which will give a greater influence, as well as necessary attributes for the customers. Research Methods: This study employed the Kano model as one of the most relevant method to measure customer satisfaction by measured of each attribute’s quality. Finding/Results: Most features of OVO and ShopeePay are categorized into the “must be” and “one dimensional” category. The satisfaction map results indicate that most items placed in the “indifferent” quadrant denote the unfulfilled customer expectations. Conclusion: OVO and ShopeePay should improve the items placed in the “indifferent” quadrant first. This study contributes empirically and theoretically by emphasizing the Kano model’s utility for digital wallet services and providing new insights for digital wallet companies and the government on Indonesians’ usage of digital wallets in the “new normal”.
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C.B., Nwachukwu, and F. E. Onuodu. "An Enhanced Online Shopping System using M-Wallet." International Journal of Computer Applications 183, no. 8 (June 21, 2021): 36–47. http://dx.doi.org/10.5120/ijca2021921379.
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Hopalı, Egemen, Özalp Vayvay, Zeynep Tuğçe Kalender, Deniz Turhan, and Ceyda Aysuna. "How Do Mobile Wallets Improve Sustainability in Payment Services? A Comprehensive Literature Review." Sustainability 14, no. 24 (December 9, 2022): 16541. http://dx.doi.org/10.3390/su142416541.
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Easy access to the Internet, smartphones, and mobile-based banking change customer shopping intentions. As a crucial component of financial technology (Fintech), mobile wallets enable customers to shop via smartphones. Mobile wallets present a cashless transactional method, cost-efficient services, and traceable options that improve sustainability in payment services. Over the last decade, mobile wallet services have evolved and attracted considerable attention from customers and companies. Due to the need for a comprehensive mobile wallet literature survey, this article aims at filling this research gap by covering articles published between 2012 and 2022 over the Scopus, Web of Science, and Science Direct databases. A clear filtering policy was conducted to observe the related article topics. Thus, 128 articles that met the inclusion and exclusion criteria were analyzed. Moreover, the articles were initially classified into three main groups, which was performed via scanning and categorizing all studies in the last ten years from different databases. In addition, the literature was systematically reviewed, providing a better understanding of mobile wallets and contributing to the literature by researching how this service can be improved for payment services with a focus on sustainability. The conducted literature review revealed that mobile wallets could be promoted in terms of environmental traceability, customer lifetime value, and security.
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Sari, Risca Kurnia, Satria Putra Utama, and Anisa Zairina. "The Effect of Online Shopping and E-Wallet on Consumer Impulse Buying." Asia Pacific Management and Business Application 009, no. 03 (April 30, 2021): 231–42. http://dx.doi.org/10.21776/ub.apmba.2021.009.03.3.
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Sari, Risca Kurnia, Satria Putra Utama, and Anisa Zairina. "The Effect of Online Shopping and E-Wallet on Consumer Impulse Buying." Asia Pacific Management and Business Application 009, no. 03 (April 30, 2021): 231–42. http://dx.doi.org/10.21776/ub.apmba.2021.009.03.3.
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Sharma, Neha, Saurabh Sharma, Vatsal Sharma, Abhinav Utkarsh, and Gaurang Bharadwaj. "An Algorithm for Concurrency control in Transactions for E-Wallet." International Journal of Innovative Technology and Exploring Engineering 10, no. 6 (April 30, 2021): 1–4. http://dx.doi.org/10.35940/ijitee.e8677.0410621.
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It is a period of online exchanges, managing daily installments through e-wallet for shopping, paying to merchant, also to fulfill all the liquid cash requirement through wallet money with no physical notes or currency involved for transaction, wallet exchange help to web advancements. The cash move and gross repayment is conceivable in only hardly any seconds. The web innovations have been utilizing and still new idea dependent on past encounters are currently coming into exploration and confab. A lot of research papers for wallet creation and inner cycle are accessible. Uncommonly, wallet measure through various methodologies like BC (Bank Channel) Wallet, RBI Wallet, Domestic Pay Service Wallet are principle thought in this exploration work. The exchange cycle faces numerous issues, these issues influence the backer, bank, client regarding misfortune in business. Whereas the client is additionally unsatisfied and unable to do finish wallet procedures. This paper presents a recreation examination of the versatility on simultaneous exchange handling over a combination of portable and fixed exchanges, because of moderate organization availability and down worker might be a similar exchange prepared twofold because of which RBI rules infringement happen and backer, client, bank, specialist all is grieved and misfortune the real business. This paper execution normally utilizes conflict location dependent on the Hidden label bases exchange accommodation through which copying any exchange is preposterous, it ensures that every exchange has prepared just a solitary path under RBI rules or wallet terms.
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M, Renukadevi, and Hema G. A. "A Study on Consumer Perception Towards Mobile Wallet with Special Reference to Coimbatore City." BOHR International Journal of Finance and Market Research 1, no. 1 (2020): 17–20. http://dx.doi.org/10.54646/bijfmr.003.
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India is a fast becoming country of mobile and internet. Government of India initiative such as “Digital India”, in future our country will become cashless economy. Due to advancement of technology, man becomes more convenient and comfortable. Mobile Wallet is a platform for making payment through mobile. There are various applications available like google pay, paytm citrus, etc. by using of such platforms payment can become more easy for online shopping, money transfer, utility bill payment, etc. Through mobile payment is very convenient and more secure to the public. Here, is an attempt to make a study on how the mobile wallet used by the consumers and their perception and satisfaction level towards using of such m-wallet payment gateways.
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Nurjannah, Nurjannah, Irwan Misbach, and Rahmawati Muin. "The Maslahah of Muslim Consumer Behavior in Using E-Wallet in Makassar City." FITRAH: Jurnal Kajian Ilmu-ilmu Keislaman 7, no. 1 (July 1, 2021): 1–18. http://dx.doi.org/10.24952/fitrah.v7i1.3331.
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Technological developments affect the changes in a person's consumption level. The existence of a non-cash payment method using an e-Wallet that provides various conveniences is undeniably a disadvantage for its users, especially Muslim consumers; one of them is a wasteful attitude. Wasteful or consumptive behavior is an act prohibited in Islam. This study aimed to reveal and explain the maslahah of Muslim consumer behavior in using e-Wallet. This study was qualitative with a phenomenological approach. The primary data sources came from interviews conducted with e-Wallet users of OVO, GoPay, DANA, ShopeePay, and LinkAja types in Makassar City aged 21-35 and had worked. Additionally, the secondary data sources came from various references, such as books, journals, and other research. The data analysis was carried out by collecting data, reducing data, presenting data, and drawing conclusions. The study results indicated that the maslahah of Muslim consumer behavior in Makassar City using e-Wallet was practical in transacting; safe and clean in transactions, save on shopping and be more diligent in a donation. The use of e-Wallet can be categorized at the level of maslahah hajiyyah, whose existence can help the difficulties faced by Muslim consumers.
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Faddila, Syifa Pramudita, Hartelina Hartelina, and Sonny Hersona. "MODEL E-CUSTOMER LOYALTY PADA GENERASI Z PENGGUNA SHOPEEPAY." JURNAL LENTERA BISNIS 12, no. 1 (January 30, 2023): 220. http://dx.doi.org/10.34127/jrlab.v12i1.896.
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<p align="justify">Generation Z online shopping behavior trends tend to want convenience, practicality, and safety. The presence of a digital wallet introduces the public to a non-cash payment method that is practical, fast and profitable. In 2022 as many as 74% have used a digital wallet. This competition caused ShopeePay's position as a digital wallet provider to experience a decline with the presence of other digital wallets. The purpose of this research is to determine the effect of e-service quality on e-customer loyalty mediated by e-customer satisfaction variables in Generation Z who use ShopeePay. The population that the researchers determined were Buana Perjuangan Karawang University students in the Management study program class of 2019 to 2021 who were born in 1997-2012 (Generation Z) and 166 ShopeePay users, while the sample used was 117 students who were analyzed using the PLS SEM (Structural) method. Equation Model) with Partial Least Square basis. The results that the researchers got confirmed that e-service quality has an effect on e-customer loyalty through e-customer satisfaction, e-service quality has no direct effect on e-customer loyalty, e-customer satisfaction has an effect on e-customer loyalty, and e -service quality affects e-customer satisfaction.</p><p><strong> </strong></p><strong>Key words:</strong> e-Customer Loyalty, e-Service Quality, e-Customer Satisfaction, Gen Z, ShopeePay
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Aulia, Tri Nanda, Edy Suryadi, and Heni Safitri. "Pengaruh Penggunaan E-Wallet dan Literasi Keuangan Terhadap Perilaku Pembelian Impulsif." Owner 7, no. 3 (July 1, 2023): 2010–20. http://dx.doi.org/10.33395/owner.v7i3.1601.
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The purpose of this study is to determine the impact that using e-wallets and financial literacy has on impulsive buying behaviour. An associative research is a type of research. Purposive samples of a total of 215 respondents have been chosen for the sample selection in this study. The analysis used is the classical assumption test, multiple linear regression analysis, multiple correlation coefficients, coefficient of determination, and partial effect test (t test). The classical assumption test has shown that the data are normally distributed, linear in shape and have no multicolinearity problems. A multiple correlation coefficient indicates that an R test has been performed with a value of 0.970. This implies that a very strong correlation of 0.970, which is the sum of ewallet use and Financial Literacy for impulse shopping behavior has been observed. he results of the coefficient of determination (R2) obtained a value of 0.970 or 97% meaning that impulsive buying behavior is influenced by e-wallet use and financial literacy, while 3% impulsive buying behavior is influenced by other variables not examined in this research. The partial test showed that a variable use of e-wallet has a positive and significant impact on impulsive buying behaviour, but the financial literacy factor had a negative and significant influence on impulsive buying behavior.
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Aksoy, Burak Yakup, and Rayan Abri. "Exploring the Potential of Decentralized Currency for E-Commerce: Case Study of an E-Commerce Website Using Decentralized Currency." International Conference on Pioneer and Innovative Studies 1 (June 13, 2023): 351–56. http://dx.doi.org/10.59287/icpis.855.
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The purpose of this project is to develop Crypto Market, an innovative online shopping site thataccepts Ethereum payments using Web3 technologies. The approach included using ReactJS for front-enddevelopment, integrating WalletConnect and MetaMask for secure purchases, and using the PostgreSQLdatabase with the Django Rest framework for efficient data management. The goal was to create an easyto-learn interface that would appeal to a wide range of users. The main results of the project were thesuccessful integration of WalletConnect and MetaMask, which allow users to securely transfer Ethereumfrom their personal wallets to the site’s pool wallet with minimal transaction fees. The integration ofCoinGecko has increased transparency for customers by showing them the real-time dollar equivalent ofthe Ethereum price on product pages. Additionally, the existence of a membership system enabled userregistration and facilitated store opening requests, providing access to a dedicated panel for productmanagement for approved vendors. Important results from this research show that Web3 technologies offera secure shopping experience using Ethereum. WalletConnect and MetaMask integration provided areliable environment for transactions, minimizing the risk of failed or incorrect payments. The successfuladoption of cryptocurrency as a payment method in the context of online shopping highlights the potentialof decentralized finance in traditional e-commerce applications. In summary, the Crypto Market projectdemonstrates the advantages and feasibility of incorporating cryptocurrency payments into online shoppingsites. With this research, it has been revealed that cryptocurrencies should be more involved in commercialtransactions and that they are a system that can be easily integrated.
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Young Kim and BAE IL HYUN. "The Relationship among Retail Mix Asset, Shopping Value, Shopping Satisfaction and Share of Wallet in the Retailing Context." Journal of Distribution and Management Research 12, no. 2 (June 2009): 5–30. http://dx.doi.org/10.17961/jdmr.12.2.200906.5.
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Umar, Rochmat. "Optimisasi Jumlah Produksi dalam Memperoleh Keuntungan Maksimal Pada Penjualan Dompet dan Tas Jimshoney “NAYA Online Shopping”." Journal of Industrial and Engineering System 1, no. 1 (June 23, 2020): 45–52. http://dx.doi.org/10.31599/jies.v1i1.163.
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ABSTRACT
Linear programming is one of the most widely used operational research techniques in practice and is known for being easy to understand. The method in solving linear programming in "Naya Online Shopping" is by the graphical method and compared with LINGO software. The purpose of the completion of linear programming is to optimize the amount of production in obtaining maximum profits. And an optimal solution is obtained, namely a maximum profit of IDR 1,750,000. with 50 bags of "ting-ting bags" to be purchased from agents and many "crown wallets" to be purchased from agents of 100 pieces. From the maximum capacity of the shelter 150 pieces can be maximized by purchasing as many as 50 bags and purchasing 100 pieces of wallet. From the sensitivity test, it can be concluded that each capital increase or reduction of IDR 750,000 will result in a gain or loss of IDR 12,500. Completion of linear programming with research into the operation of graphical methods and LINGO software obtained the same value.
Keywords: Linear programming, Operations of graphical method operations, LINGO software, sensitivity test
ABSTRAK
Linear progamming adalah salah satu teknik riset operasi yang paling banyak dipergunakan dalam praktik dan dikenal karena mudah dipahami. Metode dalam penyelesaian linear progamming pada “Naya Online Shopping” yaitu dengan metode grafik dan dibandingkan dengan software LINGO. Tujuan dari penyelesaian linear progamming ini adalah untuk mengoptimalkan jumlah produksi dalam memperoleh keuntungan maksimal. Dan didapatkan solusi optimal yaitu keuntungan maksimum sebesar Rp1.750.000, dengan banyaknya tas “ting-ting bag” yang akan dibeli dari agen sebanyak 50 buah dan banyaknya dompet “crown wallet” yang akan dibeli dari agen sebanyak 100 buah. Dari kapasitas maksimal penampungan 150 buah dapat dimaksimalkan dengan pembelian tas sebanyak 50 buah dan pembelian dompet 100 buah. Dari uji sensitivitas dihasilkan bahwa setiap penambahan atau pengurangan modal sebesar Rp750.000, maka akan didapatkan keuntungan atau kerugian sebesar Rp12.500,. Penyelesaian linear progamming dengan riset operasi metode grafik dan software LINGO didapatkan hasil yang sama nilainya.
Kata Kunci: Linear progamming, Riset operasi, Software LINGO, Optimasi, Pemodelan Matematik.
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Zitha, Themba, and Darry Penceliah. "Perceptions Regarding Digital Payments in Online Shopping amongst Millennials in KwaZulu-Natal, South Africa." African Journal of Inter/Multidisciplinary Studies 4, no. 1 (2022): 338–49. http://dx.doi.org/10.51415/ajims.v4i1.1047.
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Contemporary business continues to leverage the opportunities of internet connectivity for marketing, sales, and visibility. Digital payment plays an imperative role in online shopping transactions. With the evolution of online shopping, there has been a paradigm shift from traditional payment methods to a faster digital payment method. This paper assesses millennials’ perceptions of digital payments for online shopping. A cross-sectional study was undertaken using a quantitative method. Three hundred and ninety-three millennials completed a self-administered questionnaire. Descriptive and inferential statistical methods were utilised to summarise and analyse the results. Respondents used different types of digital payments for online shopping, namely, credit card, debit card, micropayment, digital wallet, PayPal, Bitcoin, and in-app purchase. Some of the challenges pertaining to digital payment methods are security, privacy, and trust issues. There is a dire need to develop various interventions and strategies such as standardisation of the browser and device support to educate consumers, integrate more banks, develop synergy with credit card companies, reduce fees for low-risk transactions, make digital payment easier, and personalise the digital payment process and its value chain to make digital payments more secure and safe for effective transaction and online payments.
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Jung, Hyunwoo, Youshin Kwak, and Jeonghye Choi. "How Digital Wallet Adoption Affects Adopters’ Shopping App Usage: Evidence from KakaoPay and KakaoCommerce." Journal of the Korean Operations Research and Management Science Society 47, no. 3 (August 31, 2022): 33–48. http://dx.doi.org/10.7737/jkorms.2022.47.3.033.
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Ibrahim, Ali, Oktrioka Gisbu, Erinne Rizky Salsadila, Rahmat Fitra Arkamil, M. Aditya Wijaya, and M. Hafadz Raihan. "Analisis Pengaruh Sosial CRM Terhadap Loyalitas Customer Pada Layanan Pengguna Aplikasi DANA." JURNAL MEDIA INFORMATIKA BUDIDARMA 6, no. 2 (April 25, 2022): 917. http://dx.doi.org/10.30865/mib.v6i2.3531.
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DANA application is one of the digital wallet applications which of course has a function as a tool for making payments. Funds can be used by all ages, besides that, funds are also very much needed today as a digital wallet. Transactions using Dana can be done anywhere, such as shops, restaurants, or online shopping payments. With the development of information technology, Dana is required to always provide services that can complete online transactions. Digital or online transactions have become a part of modern society's life. A good application is an application that can make users satisfied with the services provided because that is the purpose of the Fund Application. The research methodology used is a quantitative survey research method that describes the causal relationship and the effect that occurs between the existing variables using hypothesis testing. Customer Relationship Management (CRM) is a strategy used to analyze data, consolidate, and also obtain data which is then used to interact with customers (Dana application users), with this it will produce a comprehensive view of customers and customer satisfaction on Application services. Fund.
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Ailawadi, Kusum L., Koen Pauwels, and Jan-Benedict E. M. Steenkamp. "Private-Label Use and Store Loyalty." Journal of Marketing 72, no. 6 (November 2008): 19–30. http://dx.doi.org/10.1509/jmkg.72.6.019.
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The authors develop an econometric model of the relationship between a household's private-label (PL) share and its behavioral store loyalty. The model includes major drivers of these two behaviors and controls for simultaneity and nonlinearity in the relationship between them. The model is estimated with a unique data set that combines complete purchase records of a panel of Dutch households with demographic and psychographic data. The authors estimate the model for two retail chains in the Netherlands—the leading service chain with a well-differentiated high-share PL and the leading value chain with a lower-share PL. They find that PL share significantly affects all three measures of behavioral loyalty in the study: share of wallet, share of items purchased, and share of shopping trips. In addition, behavioral loyalty has a significant effect on PL share. For the service chain, the authors find that both effects are in the form of an inverted U. For the value chain, the effects are positive and nonlinear, but they do not exhibit nonmonotonicity, because PL share has not yet reached high enough levels. The managerial implications of this research are important. Retailers can reap the benefits of a virtuous cycle; greater PL share increases share of wallet, and greater share of wallet increases PL share. However, this virtuous cycle operates only to a point because heavy PL buyers tend to be loyal to price savings and PLs in general, not to the PL of any particular chain.
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Aaputra, Suwanda Aditya, Didi Rosiyadi, Windu Gata, and Syepry Maulana Husain. "Sentiment Analysis Analysis of E-Wallet Sentiments on Google Play Using the Naive Bayes Algorithm Based on Particle Swarm Optimization." Jurnal RESTI (Rekayasa Sistem dan Teknologi Informasi) 3, no. 3 (December 2, 2019): 377–82. http://dx.doi.org/10.29207/resti.v3i3.1118.
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Increasingly sophisticated technology brings various conveniences both in transportation, information, education to the convenience of transactions in shopping, such as the development of E-wallet can now be easily done using a smartphone. From a number of e-wallet products, researchers took a case study, which is OVO product, which is currently being discussed by many groups, especially in the capital of Jakarta today. Customers or clients who are not satisfied with the services or products offered by a company will usually write their complaints on social media or reviews on Google play. However, monitoring and organizing opinions from the public is also not easy. For this reason, we need a special method or technique that is able to categorize these reviews automatically, whether positive or negative. The algorithm used in this study is Naive Bayes Classifier (NB), with the optimization of the use of Particle Swarm Optimization Feature Selection (FS). The results of cross validation NB without FS are 82.30% for accuracy and 0.780 for AUC. Whereas for NB with FS is 83.60% for accuracy and 0.801 for AUC. Very significant improvement with the use of Feature Selection (FS) Particle Swarm Optimization.
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Rohmawati, T., and H. Zulkipli. "E-Transaction in Digital Era." Journal of Business and Behavioural Entrepreneurship 5, no. 2 (January 18, 2022): 51–56. http://dx.doi.org/10.21009/jobbe.005.2.07.
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The purpose of this study is to analyze the habits of students in the information technology in conducting transactions either in cash or by using e-money. Questionnaire was a method used in this study by distributing selected questionnaires only to students. Analysis of the results showed that the students preferred to use e-money for transactions because it was more effective and more efficient than paying in cash. It could be also because it was influenced by their shopping habits through social media and the globalization era. On the other hand, they needed cash and relatively bigger wallet for cash payments. Consequently, e- money was preferred by students compared to cash payments.
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Pratama, Hasada Satria Putra, and Diovianto Putra Rakhmadani. "Penerapan Metode Technology Acceptance Model (TAM) Dalam Penggunaan Aplikasi Linkaja." JURIKOM (Jurnal Riset Komputer) 9, no. 2 (April 29, 2022): 176. http://dx.doi.org/10.30865/jurikom.v9i2.3940.
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Financial technology is a financial service where the government and the public really expect its usefulness to increase users of the financial service system, for example the LinkAja application. LinkAja is an e-wallet or digital wallet application that allows users to make non-cash transactions, such as offline shopping or other offline transactions. Based on feedback data in several digital service stalls, the LinkAja application is known to have a lot of negative perceptions about its usefulness and there are also many who have difficulty operating the application, including the Telkom Institute of Technology Purwokerto (ITTP). The purpose of this study is to see the acceptance of the LinkAja application at the Telkom Institute of Technology Purwokerto with the Technology Acceptance Model (TAM) method from indicators of perceived usefulness, ease of use, behavioral interest in using, and actual system use. To obtain data when compiling this final project, the data collection instruments used were observation and distributing questionnaires using statistical data processing software (SPSS). In this study, it was found that the direct influence with the highest level of significance value was perceived usefulness on actual system use of 0.582 > 0.05 and the most dominant indirect effect or with the highest total value, namely perceived ease of use on Actual System Use. through behavioral intention to use with a total of 0.39
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Putri, Anindita Evelyn Jessica, and Audrey Jennifer Octavatiya. "Perilaku Keuangan Pengguna E-Wallet di Kudus: Financial Technology, Demografi, Literasi Keuangan Dan Lifestyle Sebagai Prediktor." JURNAL EKONOMI DAN BISNIS DIGITAL (EKOBIL) 2, no. 2 (August 31, 2023): 8–15. http://dx.doi.org/10.58765/ekobil.v2i2.154.
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Financial behavior of Indonesians people is still not in good category. Behavior which tends to be consumptive has an impact on irresponsible financial behavior such as not saving, much shopping until not preparing investmen funds. Technology advance can have an impact on people’s financial behavior. This study aims to analyze factors that can influence financial behavior, including Financial Technology, Demography, Financial Literacy and Lifestyle. With a quantitative approach, this study uses Structural Equation Modeling in the AMOS24 application. The following study used a sample of 180 respondents and obtained data from the results of questionnaires distributed using the Likert scale assessment method. The analysis in the following study used multiple linear regression. The result is Financial Technology has a significant positive effect on Financial Behavior, Demographics have a significant positive effect on Financial Behavior, Financial Literacy has no effect on Financial Behavior, and Lifestyle has a significant positive effect on Financial Behavior. Advice for digital wallet users to better understand and utilize FinancialTechnology, improve demographic conditions, understand theory and applying financial literacy, and improve lifestyle in order to make financial behavior better
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Zainuri, Mohammad, Fitriyana Agustin, and Robiatul Adawiyah. "Strategi Fundraising Digital Dalam Meningkatkan Penghimpunan Dana Ziswaf Program Pemberdayaan Ekonomi Pada Koperasi Syariah Baitul Maal Wat Tamwil." IQTISADIE: Journal of Islamic Banking and Shariah Economy 2, no. 2 (October 15, 2022): 123–48. http://dx.doi.org/10.36781/iqtisadie.v2i2.282.
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Sharia cooperatives in Indonesia are often called Baitul Maal Wat Tamwil, sharia cooperatives are almost the same as conventional cooperatives where the prominent difference is that baitul maal wat tamwil plays a role in managing zakat, infaq, shadaqah, and waqf funds. If you look more closely at the management of Baitul Maal Wat Tamwil in collecting Zakat, Infaq, Shadaqah, and Waqf funds, it is still lacking, for that it is necessary to implement a digital fundraising strategy in its collection. In the process of digital fundraising strategy activities, an institution or organization must always carry out socialization, education, promotion activities that are packaged in technology. Where the purpose of implementing this strategy is to increase the collection of Zakat, Infaq, Sadaqah, and Waqf funds. In addition, other goals are to improve the image of Baitul Maal Wat Tamwil and help the underprivileged. From the qualitative writing method of the literature that the author uses, the discussion obtained about the methods used in digital fundraising strategies to increase the collection of Zakat, Infaq, Shadaqah, and Waqf funds there are eight methods including, website method, e-mail method, search engine marketing method, social networking method, Islamic bank e-channel method, online website shopping method, e-wallet or electronic wallet method, method of making own application. The hope of implementing this method is to increase the collection of Zakat, Infaq, Shadaqah, and Waqf funds in Baitul Maal Wat Tamwil. So that later Baitul Maal Wat Tamwil will be able to help alleviate poverty and help capitalize on micro and small businesses in Indonesia.
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Pinem, Nella Aginta, Fifi Sulistyawati, and Eirene Nifati Pangkey Gulo. "Analysis Of Business Implementation on Shopeepay Digital Wallet using Business Model Canvas (BMC) and Swot Analysis." Jurnal Impresi Indonesia 2, no. 1 (January 20, 2023): 71–82. http://dx.doi.org/10.58344/jii.v2i1.2042.
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Introduction: E-payment, or electronic payment, is a type of payment used when shopping. The financial industry has revolutionized and transformed into an ergonomic method of utility, accessibility, convenience and cost. E-Payment or Electronic payments include bank transfers, e-wallets, QR codes, Paypal and Credit Cards, but researchers examine more deeply electronic payments using e-wallets. Method: This research uses a qualitative descriptive method with a Business Model Canvas approach that uses secondary data, namely data collection through literature studies, journals, books, and websites that are trusted. Results: The first step in this research is to map the current ShopeePay canvas business model. In the business model canvas, observations and considerations are formulated to formulate a business strategy. From this research, several alternative BMC improvement strategies and operational development of the ShopeePay application have been obtained in each component of the canvas model activity block. Conclusion: The results of this study indicate that the ShopeePay business model needs to be improved. The company's business model must be evaluated and followed by technological developments; Fintech is a dynamic industry because it follows the evolution of technology. Therefore, it is necessary to change the elements contained in the nine elements of Canva's business model, such as key partners, key activities, value propositions, customer relationships, channels, customer segments, cost structure, and revenue stream elements.
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Mustofa, Rochman Hadi. "Is Big Data Security Essential for Students to Understand?" HOLISTICA – Journal of Business and Public Administration 11, no. 2 (August 1, 2020): 161–70. http://dx.doi.org/10.2478/hjbpa-2020-0026.
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AbstractBig Data has become a significant concern of the world, along with the era of digital transformation. However, there are still many young people, especially in developing countries, who are not yet aware of the security of their big data, especially personal data. Misuse of information from big data often results in violations of privacy, security, and cybercrime. This study aims to determine how aware of the younger generation of security and privacy of their big data. Data were collected qualitatively by interviews and focus group discussions (FGD) from. Respondents were undergraduate students who used social media and financial technology applications such as online shopping, digital payments, digital wallet and hotel/transportation booking applications. The results showed that students were not aware enough and understood the security or privacy of their digital data, and some respondents even gave personal data to potentially scam sites. Most students are not careful in providing big data information because they are not aware of the risks behind it, socialization is needed in the future as a step to prevent potential data theft.
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Nair, Asha K. S., and Som Sekhar Bhattacharyya. "Is sustainability a motive to buy? An exploratory study in the context of mobile applications channel among young Indian consumers." foresight 21, no. 2 (April 8, 2019): 177–99. http://dx.doi.org/10.1108/fs-05-2018-0048.
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PurposeConsumers shopping motives may differ across products/services categories, retail formats and channels. In the context of m-Apps-based commerce, this study aims to explore different shopping motives of consumers in three different categories of app, namely, food delivery, ride sourcing and digital payments. Using motivation literature, the study extends the theory of consumer motives by including sustainability as a key motive to buy in the context of m-App channel. Further, the authors undertake a comparative analysis of the identified motives across the three mobile applications (m-Apps).Design methodology/approachThe research methodology involved two stages (qualitative research followed by quantitative research). In qualitative research, personal interview was conducted to extract items for survey questionnaire development. Subsequently, quantitative analysis was carried out. The data were subjected to exploratory factor analysis and confirmatory factor analysis (CFA). The study sample comprised 201 young Indian managers.FindingsUsing principal component analysis and CFA, the study validates the existence of different motivations in the three categories of m-Apps considered. Transaction-oriented and sustainability-oriented motivation is found to be a major motive to use m-Apps for food delivery, ride sourcing and mobile payments. Additionally, in digital wallet applications for mobile payments, consumers exhibit innovation-oriented motivation. Value-oriented motivation was identified as a motive in food delivery apps.Research limitations/implicationsThe scale developed and the comparative study done extended the theoretical conversation on young consumer motives in the context of m-Apps channel and extended it by including sustainability motive, which needs further in-depth study.Originality/valueThis is one of the first studies to explore sustainability motives in the context of m-Apps channel.
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Aware, Sanyam, Rashi Agarwal, and Prof Gurunath Waghale. "Orderzy: Retail Management System." International Journal for Research in Applied Science and Engineering Technology 10, no. 3 (March 31, 2022): 410–26. http://dx.doi.org/10.22214/ijraset.2022.40653.
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Abstract: Retail management refers to the process which helps the customers to purchase their desired resources from any sort of store service. Online Retail Management System allows the customers to have a good experience and leave the store with a smile. It helps them to shop without any difficulty. It saves the time of customers since they will be able to buy their desired items in one stretch. One can design a ‘Retail Management’ application to help a store gain more customers by increasing their shopping experience to a greater extent. Through this project, the customer will be able to easily login to the application after filling a short and easy registration form, and will be issued with a unique password each time he/she logs in, which is also one of our USP, so in this way no one would have to remember a fixed password, they won’t have to go through long processes to retrieve or create a new password. Your password will be a click away. Browsing through the application is amazingly easy as we have provided different categories on the main screen which on a click show the products available in that category. We at Orderzy, provide our very own payment method through a wallet that can store an amount you would like to use for future purchases.
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., Sutarminingsih, Lukman M. Baga, and Imam Teguh Saptono. "Analysis of Factors Influencing Intensity Use of Mobile Banking Islamic Bank." International Journal of Research and Review 8, no. 11 (November 30, 2021): 441–49. http://dx.doi.org/10.52403/ijrr.20211156.
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The development of internet users and technology has influenced the banking industry to transform its services towards digital. XYZ Sharia Bank is one of the banks that implements a digital banking service strategy through mobile banking. The purpose of this study is to describe the characteristics of mobile banking users, then analyze what influences the behavioral intentions of users in increasing the intensity of mobile banking use, and provide recommendations for development strategies for Islamic Bank XYZ to increase the intensity of mobile banking use. The results of this study qualitatively indicate that the characteristics of XYZ Islamic Bank mobile banking users are dominated by millennial generation males. XYZ Syariah Bank is the choice for mobile banking services because of its practical and flexible use. In addition to general banking transactions, XYZ Syariah Bank mobile banking is also an option because it provides services to complement people's lifestyles, namely for digital wallet refills, online shopping payments through the marketplace/e-commerce. The results of the research quantitatively indicate that all of the variables studied, namely perceived usefulness, ease of use, interaction needs, perceived risk, perceived cost of use, trustworthiness, credibility, and compatibility with lifestyle and needs have a significant influence on the intensity of using Islamic Bank mobile banking XYZ, where the biggest factor in influencing the intensity of the use of XYZ Islamic Bank's mobile banking is compatibility with lifestyle and needs. Keywords: Digital Banking, Mobile Banking, Intensity of Using, Sharia Bank.
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Yano, Shouhei. "3DMRI - Elucidating the origin of biometric authentication based on the acoustic characteristics of the ears with high resolution 3D MRI." Impact 2020, no. 2 (April 15, 2020): 30–32. http://dx.doi.org/10.21820/23987073.2020.2.30.
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A world run on cash transactions is rapidly disappearing. The power and connectivity of the Internet has driven most business toward digital solutions. Paying bills and shopping is done online and paying while outside of the home is increasingly done by card or even smartphone apps. The diminished role of cash, while convenient, does require that consumers put their trust into security systems beyond their own control. Someone can safeguard their own wallet but cannot encrypt personal digital payment data. This transition has led to the vast cybersecurity industry which is constantly in need of innovation in order to keep one step ahead of nefarious actors willing to exploit weakness in the system. Digital theft and fraud, especially identity fraud, are now major concerns in the modern world. Our main defence is password protected accounts and encryption in the form of cyphers. As we have seen though, these are fallible and hackers have successfully stolen data from some of the most secure companies on the planet. To combat this, cybersecurity research is increasingly turning to biometric forms of identification which rely on the unique features possessed by every individual. Fingerprints and face scans are the most well-known and employed forms of biometric ID. For example, smartphones can be locked and unlocked with a simple glance at the screen and these methods have considerable benefits. Never having to remember a password again is one and a thief cannot decode your face like they potentially can a cypher. However, there are drawbacks, and impersonations with face ID and fingerprinting can still occur. In order to add another layer of protection, a collaboration between academia and industry is turning to an overlooked feature of the human body, being the ear. Dr Shouhei Yano is using his background studying sound localisation using earphones progressed from entertainment applications to create a new way of providing accurate, secure biometric identification.
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Sari, Nita Wanda. "Consumer Preference for Product Categories Sold Online and Offline." International Journal on Social Science, Economics and Art 11, no. 1 (May 1, 2021): 46–59. http://dx.doi.org/10.35335/ijosea.v11i1.6.
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The research purpose determines that consumers preferences for online and offline shopping at different shopping experience and determine products which choose consumers for online and offline shopping at different shopping experience. The research uses qualitative descriptive analysis obtained from the result of questionnaire through interviews with the respondent based on categories of some profession who have done shopping online or offline in Medan City. The finding of the research shows Mean Ratings of the people choose the shopping attributes such as Enjoy Shopping, Shop Quickly, Large Selection and Best Price by online shopping while the shopping attributes such as See-Touch Handle, Personal Service, Speedy Delivery and No-hassle Exchange by offline shopping. The products such as Airlines Tickets, Clothes, Elektronics Products, Health and Grooming, and other products (Shoes, Bags, Scarfs, Wallets, Accessories, Foods, Movie Vouchers and Underwear) consumers choose by online shopping. In the other hand, the people choose offline shop the products such as Books, CDs, Computer Software and Sporting Goods. The correlation value is 0.937 for the search stages and purchase stages, it means thathas the significant correlation value when the consumers choose the online and offline shopping with value of signification 0.01.
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Nadhofah Sadarisma, Diva, A. Rama El Shinta, Zulfa Nabila Kulsum, and Dedek Kustiawati. "Maksimalisasi Keuntungan pada Bisnis “Naya Online Shopping” dengan Metode Simpleks." COMSERVA Indonesian Jurnal of Community Services and Development 2, no. 08 (December 15, 2022): 1251–57. http://dx.doi.org/10.59141/comserva.v2i08.488.
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Linear programming is one of the most widely used operations research techniques in practice and is known for being easy to understand. The method for completing the linear program in the "Naya Online Shopping" method is the graphical method simplex. The purpose of completing this linear program is to optimize the amount of production in obtaining maximum profit. And the optimal solution is obtained, namely the maximum profit of IDR 1,750,000, with the number of ting-ting bags to be purchased from agents as many as 50 and the number of crown wallets to be purchased from agents as many as 100. From a maximum storage capacity of 150 pieces, it can be maximized by purchasing 50 bags and purchasing 100 wallets. Completion of the linear program with the graphical method of operations research and the simplex method get the same result.
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Nadhofah Sadarisma, Diva, A. Rama El Shinta, Zulfa Nabila Kulsum, and Dedek Kustiawati. "Maksimalisasi Keuntungan pada Bisnis “Naya Online Shopping” dengan Metode Simpleks." COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat 2, no. 8 (December 15, 2022): 1251–57. http://dx.doi.org/10.59141/comserva.v2i8.488.
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Linear programming is one of the most widely used operations research techniques in practice and is known for being easy to understand. The method for completing the linear program in the "Naya Online Shopping" method is the graphical method simplex. The purpose of completing this linear program is to optimize the amount of production in obtaining maximum profit. And the optimal solution is obtained, namely the maximum profit of IDR 1,750,000, with the number of ting-ting bags to be purchased from agents as many as 50 and the number of crown wallets to be purchased from agents as many as 100. From a maximum storage capacity of 150 pieces, it can be maximized by purchasing 50 bags and purchasing 100 wallets. Completion of the linear program with the graphical method of operations research and the simplex method get the same result.
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Tudor-Locke, Catrine, and Sandra A. Ham. "Walking Behaviors Reported in the American Time Use Survey 2003–2005." Journal of Physical Activity and Health 5, no. 5 (September 2008): 633–47. http://dx.doi.org/10.1123/jpah.5.5.633.
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Background:We report walking for shopping, exercise, transportation, and walking the dog, among other sources captured in the 2003 to 2005 American Time Use Survey (ATUS).Methods:We extracted and analyzed 8 walking behaviors (by sex, age, education level, and race/ethnicity) from 24 hours of activities recalled by telephone interview for 15,175 males and 19,518 females age ≥15 years.Results:On any given day in 2003 to 2005, 45.8% of Americans participated in a median of 45 minutes of any walking activities; 31.6% walked for shopping purposes, 12.5% walked for transportation, 4.8% walked for exercise, and 2.5% walked the dog. College-educated respondents more commonly reported walking while shopping, walking for exercise, and dog walking. Those with less than a high school education more commonly reported walking for transportation.Conclusions:Despite limitations identified in imputing explicit and implicit performance of walking behaviors in the ATUS, Americans engage in a wide variety of walking behaviors that are not well represented by surveys focused only on leisure-time behaviors. Public health implications include increased availability of multiple and varied opportunities for walking, especially through environmental shifts toward more walkable places and destinations and policy shifts that support walking behaviors over competing transportation modes.
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Novianti, Romlah, and Wira Bharata. "Elaborasi Model Technology Acceptance Model (TAM) dan DeLone & McLean Untuk Mengukur Faktor Penggunaan ShopeePay." Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) 4, no. 2 (November 28, 2022): 382–89. http://dx.doi.org/10.47065/ekuitas.v4i2.2446.
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The use of digital wallets in Indonesia is increasing both by online shopping or shopping directly. There are various factors that behind the use of digital wallets by the Indonesian people. This study seek to find out the influence of the factors that are the background for using digital wallets which in this case is ShopeePay, by knowing the effect of Easy of Use to Intention to Use and User Satisfaction and impact it has on the Net Benefit. This study combined two forms of information system research model that is the Technology Acceptance Model (TAM) and the Delone and McLean model. This research is carried out with a quantitative approach through the asosiatif method using by the likert scale. The sampling technique used is nonprobability sampling, with a total sample is 100 respondents from ShopeePay user. The results of this research support all of hypotheses, showing that there are positive and significant effects of the Easy of Use to Intention to Use and User Satisfaction and their impact on the Net Benefits. The highest relationship rate is in the Easy of Use variable to Intention to Use variable with a original value of samples by 0.696 or 69%.
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Nair, CA Priyadharshini. "A Study on Millennials and Generation Z’s Attitude and Usage of E-Transaction and Mobile wallets in Mumbai." International Journal for Research in Applied Science and Engineering Technology 9, no. 11 (November 30, 2021): 474–83. http://dx.doi.org/10.22214/ijraset.2021.38813.
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Abstract: Technology has played a vital role in uniting people across country. It has simplified many complexities with simple click using internet. The usage of smart phones is high among the millennials and generation Z and has become an integral part of their everyday lives. Millennials are generation which are born between 1980 to 2000, and generation Z is the demographic cohort succeeding millennials. Millennials and Gen. Z have witnessed the metamorphosis from traditional method of using paper currencies to e-wallets. This rise of e-transaction has smoothened the various transactions like online shopping, payment on dues etc. with just one single click. The present study aims to figure out how mobile wallets and e-transactions are evolving among the above mentioned sample. It also analyses the dimensions of the usage by analysing key factors such as motive for use, utility derived from use, level of use, reasons for use amongst others. Also the future proximity of e-transaction and mobile wallet’s usage is forecasted. Descriptive analysis and Regression analysis was run on the primary data obtained from 115 respondents through a structured questionnaire. The results were able to throw distinctive insights into the usage of mobile wallets and e-transactions among Millennials and Gen Z. Keywords: Millennials, generation Z, tech savvy, digital natives, e-transactions, mobile wallets, online shopping etc.
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Moreno, Donn Enrique, Isa Maniclang, Ysabella Dominique Tongson, Karen Trinidad, Abegail Vicuña, and John Kevin Belviz. "The Impact of COVID-19 Pandemic on Consumer Usage Intention of Electronic Wallets in the Philippines." Journal of Business and Management Studies 4, no. 3 (July 3, 2022): 28–35. http://dx.doi.org/10.32996/jbms.2022.4.3.3.
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Digital wallets have revolutionized consumers’ shopping experience by giving another convenient money transfer option. The adoption of electronic wallets (e-wallets) is significantly and positively affected by customer perception of electronic payment transactions. This paper attempts to study and examine the consumers' perception of using e-wallets in the National Capital Region during the peak of COVID-19 using the technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) model. The present study examines consumers’ level of trust, security, ease of use, and usefulness and then investigates the relationship to consumers’ perception of e-wallets usage. The study employed a quantitative design using a descriptive-correlational research approach to assess the relationship between variables. The purposive sampling method was used to select the 201 respondents. The results revealed that consumers who perceived online trust, security, ease of use, and usefulness are more likely to use e-wallets during the pandemic. Practical managerial implications are addressed for enhancing digital transactions to increase consumer trust and security in online commerce.
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Tripathi, Shivam, and Nirali Dave. "CASHLESS TRANSACTIONS THROUGH E-COMMERCE PLATFORMS IN POST-COVID-19." International Journal of Management, Public Policy and Research 1, no. 2 (May 16, 2022): 12–23. http://dx.doi.org/10.55829/010203.
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Payments are made or received without the use of hard cash in cashless transactions. Going cashless eases life with authentication and formalized transactions. The convenience of making a financial transaction is likely the most compelling reason to go digital. Cashless transactions include payments made through cheque, DD, online transfer via RTGS or NEFT, credit/debit card, E-wallets, mobile wallets, UPI Apps, Gift cards, etc. One won’t need to carry a large amount of cash and not wait in big lines for withdrawals, it’s also a safer and more convenient way to spend. In India October 2016 Mastercard launched the cashless initiative and in November 2016 PM Narendra Modi announced a cash-free economy in India. According to Razorpay digital payment transactions in India raised 78% after covid-19. With the growth of 26.5% in the e-commerce market in India, digital payment for e-commerce and retail increased 260% after the second wave of covid-19. The main objective of the study is to find out the relationship between digital payment and e-commerce business with the analysis of efforts toward cashless transactions. This study also focuses on factors responsible for the e-commerce boom in India. With the using convenience sampling method, a structured questionnaire was used to analyze the objective of the study. SPSS-20 was used for factor analysis. The present study resulted in the pandemic situation having expanded the importance of e-commerce shopping trends among the buyers. Electronic shopping had made cashless transactions supportive, monetary, and ideal for customers to purchase from anywhere and anything during the pandemic situation. Web-based shopping or e-shopping customers consider this as it saves time, is more convenient, wide variety of products has easy price comparisons, and has no crowds.
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Wiadi, Iyus, and Mohamad Sajili. "Analisis Dampak Covid-19 terhadap Perilaku Konsumen Generasi Milenial dalam Menggunakan Aplikasi Dompet Digital." Ideas: Jurnal Pendidikan, Sosial, dan Budaya 9, no. 1 (February 28, 2023): 221. http://dx.doi.org/10.32884/ideas.v9i1.1213.
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This research discusses the impact of the Covid-19 pandemic on consumer behavior in using digital wallets as a digital payment method in transactions. The purpose of this study is to determine consumer behavior for quick and unplanned purchases (impulse purchases) depending on the product campaign and payment method used. The research method uses a qualitative descriptive method. The results of the study show that Covid-19 leads to an increase in shopping behavior when using digital wallets. In addition, changes have occurred due to the demands and needs of the digital era as well as changes in the new culture from traditional payments to electronic payments. The four factors, namely cultural, social, personal, and psychological factors influence changes in consumer behavior in using digital wallets for daily transactions.
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Worley, Julie, and Joanne M. Hall. "Doctor Shopping: A Concept Analysis." Research and Theory for Nursing Practice 26, no. 4 (2012): 262–78. http://dx.doi.org/10.1891/1541-6577.26.4.262.
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Prescription drug abuse is a significant problem in the United States that poses a serious health risk to Americans and is therefore significant to the field of nursing. The prescription drugs that are designated in the United States as having abuse potential are called controlled or scheduled drugs. The most common types of abused prescription drugs are benzodiazepines prescribed for anxiety, opioids prescribed for pain, and stimulants prescribed for attention deficit disorder. These prescription drugs are abused by taking larger doses than prescribed for nonmedical use to achieve a high or euphoric feeling, or are sold illicitly for profit. In 2009, there were 2.4 million nonmedical users of prescription opioids in the United States. These prescription drugs are often obtained by seeing multiple prescribers, often under false pretenses or with complicity from the prescribers that leads to abuse and illicit sales. The term doctor shopping has been used not only to refer to this phenomenon but has also had other meanings throughout the past decades. Thus, concept analysis is the focus of this article for clarification using the Walker and Avant method. Health implications and suggestions for minimizing doctor shopping are included.
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Wu, Weina, and Zhong You. "A solution for folding rigid tall shopping bags." Proceedings of the Royal Society A: Mathematical, Physical and Engineering Sciences 467, no. 2133 (March 30, 2011): 2561–74. http://dx.doi.org/10.1098/rspa.2011.0120.
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Rigid origami is concerned with the folding of rigid thin-walled structures. The materials from which the structures are made are not allowed to deform or bend, but can rotate freely about pre-arranged creases. One of the challenges in rigid origami is the flat folding of a shopping bag with a rectangular base if the bag is made of rigid materials. The problem is not only mathematically interesting but also has practical implications as many consumer goods are packaged in box-shaped cartons or cardboard boxes. In this paper, a new crease pattern has been proposed that allows a tall box-shaped bag with a rectangular base to be rigidly folded flat. Rigid folding conditions are established, and solutions that meet these conditions are found numerically. Simulations and experiments carried out demonstrate that the solution works. The new pattern represents the first practical solution for tall bags and can lead to direct applications in the packaging industry. Moreover, the folding analysis can be used to design an automated packaging process for folding box-shaped stiff cartons.
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Hamzah, Muhammad Maulana, Rafidah, and Jafar Shadiq Laode. "Do E-Wallets Altered Consumptive Behavior? Qualitative Study Of Gen Z In Jambi City." Jurnal Ilmu Ekonomi dan Bisnis Islam 5, no. 1 (June 30, 2023): 82–93. http://dx.doi.org/10.24239/jiebi.v5i1.143.82-93.
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This research was conducted to find out and analyze the factors that influence the use of e-wallets and how the behavior of generation Z in the city of Jambi forms. This study uses a qualitative approach. The data sources used are primary and secondary data sources. While the data collection technique used in this study is using observation interviews and documentation. The results showed that the factors that influence the use of e-wallets in generation Z in the city of Jambi are divided into the main factors namely, Benefit, Convenience and supporting factors including, Cost Factor, Popular Factor, Efficiency Factor, Speed Factor, Factor Security, Convenience Factors, Promo and Discount Factors, and Pulse/Token Payment Service Business Factors. Thus there are two main factors and eight supporting factors. Transaction purposes that indicate that using e-wallets encourage people to be more consumptive are top-up Games and Online Shopping. Based on observation from 112 informants, out of 112 informants, 62% of them feel more consumptive when using e-wallets. Meanwhile, 38% felt that they were not consumptive and 4% were mediocre.
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Dhamodaran, S., Md Afridi, M. Rahul, J. Refonaa, and K. Ashok Kumar. "Retail Store Evoluvation Between Customer–Vendor Using Li-Fi Technology." Journal of Computational and Theoretical Nanoscience 16, no. 8 (August 1, 2019): 3316–18. http://dx.doi.org/10.1166/jctn.2019.8184.
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Predominantly all the customers are smartphone users and they want shopping to be easier and seamless. However, the retail store experiences in India does not tap into the mobile channel of interaction when the customer is in the shop. The implementation is that make the shopping easier. Developing the application in the Android platform. In this application, we can make easy checkout and pay the shopping bills in any wallets (Dhamodarn, S., et al., 2016. Identification of User Poi in Spatial Data Using Android Application. International Conference on Computation of Power, Energy Information and Communication (ICCPEIC). IEEE. ISBN: 978-1-5090-0901-5). And capturing the customer behavior in the store. The user will add the Product and corresponding ID and its Cost is added in the Android App and finally, total Payment is made by the user via an android based Payment system. Details are transferred to the shop server. If the customer makes any mistake during the billing of products. The alarm will be raised in the trolley and in the bill counter.
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Kumar, Shivangee. "Digital/Cashless Economy: The Changing Landscape of India." International Journal of Research in Engineering, Science and Management 3, no. 9 (September 24, 2020): 129–32. http://dx.doi.org/10.47607/ijresm.2020.306.
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Digital/ Cashless banking has become talk of the town recently. People are opting for digital payments using mobile applications/wallets instead of cash and GOI/RBI is also promoting it through various schemes and incentivisation. This mode of payments has actually changed the dynamics of consumer and corporate relationships with their banks. Now, instead of taking out cash from our wallets, we open our mobile wallets to make payments or transfer money to someone. We do not wait for the bank branch to open and stand in long queues for getting our cash deposited in account neither we wait to withdraw cash. Likewise, we do not count cash at shopping counters and make the payment in a flash using our debit/ credit card. All this is possible because of the innovation in IT and its optimum utilization by our banks. The present paper will give an idea about what is this buzz word “Digital/ Cashless Banking” and how has it changed the banking relationships these days.
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Tsai, Li-Tang, Merja Rantakokko, Anne Viljanen, Milla Saajanaho, Johanna Eronen, Taina Rantanen, and Erja Portegijs. "Associations Between Reasons to Go Outdoors and Objectively-Measured Walking Activity in Various Life-Space Areas Among Older People." Journal of Aging and Physical Activity 24, no. 1 (January 2016): 85–91. http://dx.doi.org/10.1123/japa.2014-0292.
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This cross-sectional study investigated associations between reasons to go outdoors and objectively-measured walking activity in various life-space areas among older people. During the study, 174 community-dwelling older people aged 75–90 from central Finland wore an accelerometer over seven days and recorded their reasons to go outdoors in an activity diary. The most common reasons for going outdoors were shopping, walking for exercise, social visits, and running errands. Activities done in multiple life-space areas contributed more to daily step counts than those done in the neighborhood or town and beyond. Those who went shopping or walked for exercise accumulated higher daily step counts than those who did not go outdoors for these reasons. These results show that shopping and walking for exercise are common reasons to go outdoors for community-dwelling older people and may facilitate walking activity in older age. Future studies on how individual trips contribute to the accumulation of steps are warranted.
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Muhereza, B. R. M., F. Excellence, R. B. Makumbi, and H. M. Buwule. "An Assessment of Consumer Awareness and Coverage of Digital Television Services in Uganda." British Journal of Multidisciplinary and Advanced Studies 4, no. 1 (January 5, 2023): 12–36. http://dx.doi.org/10.37745/bjmas.2022.0082.
Full textAbstract:
Nowadays, e-commerce industry in India, emerges one of the largest growing retail industries in India, during the period of pandemic almost all the sectors or business operations remain closed, but e-commerce industry providing all essential goods and services to the people of India by following COVID related guidelines. Therefore, people of India relying on e-commerce industry instead of local retail market and outcomes of that, e-commerce industry in India increased by 21.5% in 2022 and reaching US $ 74.8 billion. It is also expected that e-commerce industry will grow 84% to $ 111 billion by 2024 as well as US $ 350 billion by 2030. This is the sign of growing and development of e-commerce industry in India. About 830 million (2021) of people using smartphones in India and e-commerce industry is also mainly driven by mobile shopping, social media, etc. So, it is predicted that mobile shopping is increase by 21% annually in next four years. As per the data available 40% of people using mobile wallets, 15% Credit Cards, 15% Debit cards and remaining using other payment system for shopping, this payment mode is also playing vital role in the growth of e-commerce industry in India. Because currently e-commerce industry is not limited up to traditional website, e-commerce players or retailers develops their smartphone-based applications to ease of access and shopping, this system helps to grow number of users of application and it will be converted in to end user or consumer. Therefore, it is become necessary to study the growth and development of e-commerce industry in post pandemic era in India.
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Salunkhe, Shyam Jivan. "A Study of Growth of E-Commerce Business of India in Post Pandemic Era: An Overview." British Journal of Multidisciplinary and Advanced Studies 4, no. 1 (January 5, 2023): 1–11. http://dx.doi.org/10.37745/bjmas.2022.0081.
Full textAbstract:
Nowadays, e-commerce industry in India, emerges one of the largest growing retail industries in India, during the period of pandemic almost all the sectors or business operations remain closed, but e-commerce industry providing all essential goods and services to the people of India by following COVID related guidelines. Therefore, people of India relying on e-commerce industry instead of local retail market and outcomes of that, e-commerce industry in India increased by 21.5% in 2022 and reaching US $ 74.8 billion. It is also expected that e-commerce industry will grow 84% to $ 111 billion by 2024 as well as US $ 350 billion by 2030. This is the sign of growing and development of e-commerce industry in India. About 830 million (2021) of people using smartphones in India and e-commerce industry is also mainly driven by mobile shopping, social media, etc. So, it is predicted that mobile shopping is increase by 21% annually in next four years. As per the data available 40% of people using mobile wallets, 15% Credit Cards, 15% Debit cards and remaining using other payment system for shopping, this payment mode is also playing vital role in the growth of e-commerce industry in India. Because currently e-commerce industry is not limited up to traditional website, e-commerce players or retailers develops their smartphone-based applications to ease of access and shopping, this system helps to grow number of users of application and it will be converted in to end user or consumer. Therefore, it is become necessary to study the growth and development of e-commerce industry in post pandemic era in India.
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Maschudah, Aniek, Romi Ilham, and Dewi Murdiawati. "Winning Hearts and Wallets: Investigating of Gamification and Reputation on Repurchases Intention on E-Commerce Platforms in Indonesia." International Journal of Research and Review 10, no. 4 (April 21, 2023): 255–72. http://dx.doi.org/10.52403/ijrr.20230433.
Full textAbstract:
This study investigates the effect of gamification and reputation on e-commerce purchase intention in Indonesia. This type of research uses a quantitative approach through survey methods. The population in this study were users of the five largest e-commerce platforms in Indonesia, with a minimum sample size of 520 respondents. Confirmatory factor analysis (CFA) using the SEM-PLS algorithm with WarpPLS software. The results of this study indicate that to win the hearts and wallets of consumers, the application of gamification can significantly increase repurchase intention and reputation can significantly increase vendor trust in shopping on the marketplace. Keywords: gamification, reputation, e-commerce, repurchase intention