The research aimed to examine the intention of Generation Z when using e-wallet for payments and the influence of discounts towards using e-wallet in the time of pandemics. The research used the qualitative method with total data of 22 students, collected using in-depth interviews through WhatsApp free call. The result shows that discount gives an impact on Generation Z in choosing the e-wallet, but a long-term loyalty is not guaranteed. The finding demonstrates that there are other influential factors for Generation Z to choose e-Wallet, namely ease of use, interrelated apps with the e-wallet, the security system, and cashless society. The limitations of the research lie in the relatively small numbers of respondents. Due to pandemics with physical distancing requirements, the research only carries out on data collected from 22 students from Economics Faculty in the State University of Malang, Indonesia. However, the research provides an insightful analysis for digital payments industry as a reference. It is expected that fellow researchers and academicians use the research as a fundamental to further investigate digital payments, especially amongst Generation Z in Indonesia or other parts of the world.
Introduction/Main Objectives: This study aims to determine the existence of innovative work behavior ecosystems for Indonesia’s government employees Background problems: The quality of individual employees partially determines the quality of the organization. The abilities of the different employees who work in the same system will undoubtedly deliver the government employee and possibly produce results which are less than were expected. Novelty: The previous studies have examined innovative work behavior, focusing on the external factors and ignoring the internal factors of individual traits. This study focused on investigating the interrelationship among the factors that will be affected by innovative behavior, especially in government employees in Indonesia. Methods: This study examines the relationship among these variables using structural equation modeling (SEM) with LISREL 8.8 as the statistical tool. Finding/Result: This study found that transformational leadership and work engagement positively influence innovative work behavior. Unexpectedly, this research indicates an insignificant relationship between organizational justice and innovative work behavior among government employees. Besides, this study also found that transformational leadership and organizational justice have an impact on work engagement. Conclusion: These findings provide managerial implications about the need to strengthen employees’ innovative work behavior to ensure the organization’s continuity. Additionally, the results prove that innovative work behavior by government employees is supported by government’s role such as the style of leadership and work engagement.
Although it acts as one of the supporters of the national economy, the existence of MSMEs cannot be separated from funding problems. The low ability to access capital from banks makes MSMEs often entangled in the debt system that harms MSMEs. This study aims to develop a capital fertilization approach together with the concept of family (social security crowdfunding) for MSMEs. This research uses a development approach (Research and Development) which consists of 3 (three) stages, namely the preliminary study stage, the model preparation stage and the expert validation stage. The results of the study explained that currently there has been a development of a financial technology-based funding model with the concept of security crowfunding. Although the existence and function of security crowfunding is beneficial for the development of MSMEs. However, the concept of security crowfunding in its journey has become a practice of capitalism in MSMEs. The concept of social security equitycrowfunding was developed with a plasma core-based partnership model in providing funding by investors to MSMEs. This concept not only places MSMEs as an investment locomotive for investors to generate profits, but also provides an opportunity for MSMEs to exploit their resources with a profit-sharing pattern.
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