PENGALAMAN PENGGUNA, KEAMANAN TRANSAKSI, KEMUDAHAN PENGGUNAAN, KENYAMANAN, DAN PENGARUHNYA TERHADAP PERILAKU PEMBELIAN ONLINE SECARA IMPULSIF

In Indonesia, online shopping has become a trend and transactions have increased drastically, marked by the development of business players involved in the online marketplace industry, one of which is Lazada, which is the top marketplace in Indonesia. Lazada is an online product buying and selling application that offers a variety of products and uses the internet and social media as a forum for interactive two-way interactions with its users. Product bids, attractive prices and availability of information can lead to impulsive buying behavior. The impulse to buy impulsively is described as a complex, sudden, pleasant purchase and the decision-making process occurs instantaneously without thinking of any other considerations. This study has the main objective of identifying the effect of user experience, transaction security, ease of use, convenience on impulsive online buying behavior aimed at the Lazada marketplace. The population in this study are consumers who have made online purchases at Lazada. The sampling technique used is non-probability sampling, with a purposive sampling method with the following sample criteria: consumers who have made online Lazada purchases more than once, and aged over 17 years to 50 years. Respondents came from the city of Sidoarjo and totaled 120 people. Multiple linear regression analysis is an analytical tool used in this study. The t test is to prove the research hypothesis which previously carried out the reliability test. From the results of the analysis of the research results, it is found that experience, safety, convenience and comfort have a significant influence on impulsive buying behavior at Lazada. The experience variable is a variable that has a dominant effect. Keywords: experience, security, ease of use, enjoyment, impulsive buying behavior.

A STUDY OF LITERATURE: CRYPTOCURRENCY OF SYARIAH PERSPECTIVE

Cryptocurrency is a digital or virtual currency, which does not have a physical form like fiat money. This crypto currency can only be used through devices such as PCs, laptops, smartphones and other devices that are connected to the internet. There are several advantages in a crypto system that uses blockchain system, such as transaction security, convenience, speed and can be used across countries and continents, however cryptocurrency which is currently circulating also still have weaknesses, including there is no supervisory authority, even many countries have disagreements over the legality of this cryptocurrency. The debate about the pros and cons regarding to the use of cryptocurrency becomes dynamics among the experts including the scholars who have study from Islamic point of view. This research aims to examine the dynamics of using cryptocurrency from ushul fiqh point of view, where the methods which used in this research are al-qur'an, al-Hadith, Qiyas and Sad-Adzariyah. Basically the use of cryptocurrency is allowed to meet cetain conditions that is by removing batil elements as in Quran surah An-Nisa verse 29, those batil elements are gharar and mayshir. Moreover, cryptocurrency must also have clear legality in a country for security in their use.

The Urgency of the Personal Data Protection Law as an Instrument to Prevent Misuse of Personal Data in StartUp Companies

The E-Commerce progress during the Covid-19 pandemic, has had an impact on the emergence of many startup companies such as Tokopedia, Gojek, Traveloka, and Bukalapak. There are legal problems caused by the emergence of these start-ups. One of the serious problems it causes is maintaining consumer privacy from start-up companies. A large number of applications are used, making it easier for companies to obtain their consumers' data. This raises the possibility of leakage of consumer personal data, the possibility that will arise needs to be considered regarding the guarantee of transaction security and privacy, namely the protection of consumer personal data which can cause problems in the future if data leaks occur. The discussion in this article is how the problems with consumer personal data in start-up companies are and how important the Law on personal data protection is as an effort to protect consumer personal data for start-up companies. However, Indonesia still does not have a law that specifically regulates the protection of personal data, where this law is urgently needed at this time as a legal umbrella for the people of Indonesia.

Smart Supply Chain Management Using the Blockchain and Smart Contract

The manufacture of raw materials to deliver the product to the consumer in a traditional supply chain system is a manual process with insufficient data and transaction security. It also takes a significant amount of time, making the entire procedure lengthy. Overall, the undivided process is ineffective and untrustworthy for consumers. If blockchain and smart contract technologies are integrated into traditional supply chain management systems, data security, authenticity, time management, and transaction processes will all be significantly improved. Blockchain is a revolutionary, decentralized technology that protects data from unauthorized access. The entire supply chain management (SCM) will be satisfied with the consumer once smart contracts are implemented. The plan becomes more trustworthy when the mediator is contracted, which is doable in these ways. The tags employed in the conventional SCM process are costly and have limited possibilities. As a result, it is difficult to maintain product secrecy and accountability in the SCM scheme. It is also a common target for wireless attacks (reply attacks, eavesdropping, etc.). In SCM, the phrase “product confidentiality” is very significant. It means that only those who have been validated have access to the information. This paper emphasizes reducing the involvement of third parties in the supply chain system and improving data security. Traditional supply chain management systems have a number of significant flaws. Lack of traceability, difficulty maintaining product safety and quality, failure to monitor and control inventory in warehouses and shops, rising supply chain expenses, and so on, are some of them. The focus of this paper is on minimizing third-party participation in the supply chain system and enhancing data security. This improves accessibility, efficiency, and timeliness throughout the whole process. The primary advantage is that individuals will feel safer throughout the payment process. However, in this study, a peer-to-peer encrypted system was utilized in conjunction with a smart contract. Additionally, there are a few other features. Because this document makes use of an immutable ledger, the hacker will be unable to get access to it. Even if they get access to the system, they will be unable to modify any data. If the goods are defective, the transaction will be halted, and the customer will be reimbursed, with the seller receiving the merchandise. By using cryptographic methods, transaction security will be a feasible alternative for recasting these issues. Finally, this paper will demonstrate how to maintain the method with the maximum level of safety, transparency, and efficiency.

The Dynamics of SMEs Growth and Electronic Marketing Potential in Developing Economies: Evidence from the manufacturing firms in Tanzania

This study, investigated the impact of e-marketing practices on the performance of manufacturing Small and Medium Enterprises in Dar es Salaam, Tanzania. Through quantitative method, the survey research design was employed and a cross-sectional analytical approach was used. Data was randomly collected from 200 SMEs using both semi-structured questionnaire and company reports. Then, the analysis stage involved descriptive statistics, cross-tabulation, and regression analyses through SPSS:21 Results confirm that growth performance is more evident in SMEs that have used ICTs in their marketing activities and/or had ICTs knowledge as compared to their counterparts that did not transact electronically. Further findings reveal that most SMEs perceive the use of ICTs in marketing as an important aspect. However, there is no statistically significant relationship in the rating of the importance of ICT applications and SMEs performance. Apparently, there is more or less similar views on the importance of e-marketing within manufacturing SMEs. Notably, the study identified some challenges of executing e-marketing including lack of ICT knowledge, increase in internet crimes, lack of trust and transaction security, difficulties in accessing the internet and ICT accessories. Further, the model that can be used to explain the impact of e-marketing on SMEs performance is proposed.

PENGARUH KUALITAS PELAYANAN, HARGA, PROMOSI, KEAMANAN TRANSAKSI, DAN LOYALITAS PERUSAHAAN TERHADAP PENGAMBILAN KEPUTUSAN PEMBELIAN TIKET PESAWAT ONLINE PADA APLIKASI TRAVELOKA

Based on the t test results, the quality of service has a significant effect on purchasing decisions with a significance value of 0.008 smaller than 0.05 (0.008 < 0.05), meaning the quality of service has a significant influence on the purchase decision. The price significantly affects the purchase decision with a significance value of 0.000 smaller than 0.05 (0.000 < 0.05), which means that the price has a significant influence on the purchase decision. Promotion significantly affects the purchase decision with a significance value of 0.047 smaller than 0.05 (0.047 < 0.05), meaning the promotion has a significant effect on the purchase decision. Transaction security significantly affects purchase decisions with a significance value of 0.017 less than 0.05 (0.017 < 0.05), meaning transaction security has a significant effect on the purchase decision. Company loyalty significantly affects the purchase decision with a significance value of 0.037 smaller than 0.05 (0.037 < 0.05), meaning company loyalty has a significant influence on purchasing decisions.

Pentingnya Kepercayaan Memediasi Pengaruh Keamanan Bertransaksi dan Kepuasan Terhadap Minat Beli Konsumen

Tujuan penelitian untuk menguji model penelitian yang menyatakan bahwa kepuasan dan kepercayaan memediasi pengaruh keamanan bertransaksi terhadap minat beli konsumen. Metode penelitian ini menggunakan pendekatan kuantitatif, dengan sampel penelitian sebanyak 152 orang konsumen Shopee. Analisis penelitian yang digunakan adalah model struktural diolah software SMART-PLS 3.0. Penelitian menunjukkan kepuasan konsumen tidak memediasi keamanan bertransaksi terhadap minat beli sedangkan kepercayaan konsumen memediasi. Kemanan bertransaksi mempengaruhi kepuasan konsumen dan berdampak pada meningkatnya kepercayaan yang akhirnya mendorong minat beli konsumen.The purpose of the study to test the research model that states that satisfaction and trust mediate the influence of security transactions intercepted consumer buying interests. This research method uses quantitative approach, with a research sample of 152 Shopee consumers. The research analysis used is a structural model processed smart-pls 3.0 software. The results showed that consumer satisfaction does not mediate the security of transacting against buying interests while consumer confidence mediates. Transaction security affects consumer satisfaction and has an impact on increased trust that ultimately drives consumer buying interest.

Shifting Shopping Patterns through Food Marketplace Platform: A Case Study in Major Cities of Indonesia

The obligation to keep a distance from other people due to the pandemic has changed human life patterns, especially in shopping for their primary needs, namely food. The presence of the food marketplace presents new hope in maintaining health and food availability without crowding with other people while shopping. The main problem that is often a concern of the public when shopping online is transaction security and the Ease of use of this food marketplace application. This research is the intensity of using the Food Marketplace in terms of Interest, transaction security, and Ease of use of this application. Researchers analyzed the relationship between variables with the Structural equation model. Respondents who became this sample were 300 application users spread across various major cities in Indonesia. This study's results provide a view that the intensity of the food marketplace's use has increased significantly during the new normal life. This paper's primary value lies in providing a better understanding of consumer behavior in the Indonesian food marketplace that has not been previously researched. By examining the determinants of the intensity of marketplace use in the food sector, it is hoped that this can become the basis for further research.

The use of biometric technologies for bank transaction security management against the background of the international experience: Evidence from Ukraine

In view of the expanding range of banking services in Ukraine, the issue of introducing innovative means of protecting consumers against illegal actions in the field of banking becomes relevant. This paper aims to determine the effectiveness of biometric technologies for customer identification during banking transactions, the legality of their use, and to identify areas for the development of state policy focused on the legal use of biometric data in order to protect the rights and legitimate interests of individuals and legal entities. Based on analysis and systematization of scientific publications and regulatory framework, it was found that a potential direction for banks to implement the customer focus concept in their services to establish the appropriate level of security is the use of biometric technologies that ensure the proper storage of personal data. The summarized information on the actual application of biometric identification methods in the banking sector allows stating that the factors stipulating the criminal offenses using biometric data can be neutralized by the subjects of counteracting such offenses and through effective legal remedies. Contradictions arising between the state of regulatory support and the actual needs for the use of biometric technologies in the field of banking in Ukraine decelerate the use of effective security tools with a high degree of reliability in the banking sector. It is concluded that further implementation of biometrics in the banking sector in Ukraine requires a comprehensive approach and consideration of the best world practices.