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"Uang elektronik berbasis server dapat meningkatkan pengalaman bagi pelanggan yang mencari sistem pembayaran yang efisien dalam perihal kelancaran, kenyamanan, dan aksesibilitas multi-channel. Dalam jangka panjang, transaksi elektronik dapat menciptakan sistem pembayaran yang efisien, aman, dan andal sehingga dapat memperluas akses finansial kepada unbanked population di Indonesia. Indonesia berkomitmen untuk mendorong perubahan sistem pembayaran melaui gerakan nasional non-tunai GNNT. Namun, mekanisme jangka panjang untuk meningkatkan adopsi uang elektronik berbasis server dianggap belum memadai. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor penentu adopsi uang elektronik berbasis server. Sebuah model penelitian yang menggabungkan unified theory of acceptance and use of technology UTAUT2, diffusion of innovations theory DOI, dan perceived risk digunakan. Penelitian ini menggunakan 211 tanggapan dari survey yang dilakukan di Indonesia, sedangkan data dianalisis menggunakan structural equation modeling, khususnya metode partial least square SmartPLS 3.0. Temuan dari penelitian ini menunjukkan performance expectancy, social influence, facilitating conditions, compatibility, dan perceived risk memiliki efek langsung yang signifikan terhadap adopsi uang elektronik berbasis server, sementara effort expectancy dan innovativeness memiliki efek tidak langsung.

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Server based electronic money has the ability to improve the experience for customers who look for a streamlined payment experience in terms of speed, convenience, and multi channel accessibility. In the long term, electronic transactions would create and maintain an efficient, secure, and reliable payment system that broadens the access to previously unbanked populations and presumably increase financial inclusion. Indonesia is currently committed to reinforcing changes to existing payment systems through the national non cash movement. However, a long term mechanism to increase the adoption of server based electronic money is yet to be seen.

This study aims to identify the main determinants of server based electronic money adoption. In doing so, a research model combining two theories, the unified theory of acceptance and use of technology UTAUT2 and diffusion of innovations theory DOI, was used along with perceived risk. The research was tested using 211 responses from a survey conducted in Indonesia while data was analyzed using structural equation modeling, specifically partial least square method Smart PLS 3.0.

The findings of this research show performance expectancy, social influence, facilitating conditions, compatibility, and perceived risk have significant direct effects toward the adoption of server based electronic money, while effort expectancy and innovativeness have indirect effects."

"Selama bertahun-tahun, kita telah melihat bagaimana internet telah merevolusi cara orang berkomunikasi. Oleh karena itu, tidak heran jika cara orang berbisnis juga berubah. Dikarenakan oleh kemajuan internet yang pesat, bisnis kini dilakukan melalui pemrosesan transaksi elektronik yang efisien dan akses cepat terhadap informasi, yang menghasilkan jenis perdagangan baru bernama e-commerce. Dengan kemunculan jenis perdagangan baru ini, struktur hukum harus terus bergerak seiring dengan perubahan-perubahan baru. E-commerce telah menciptakan cara kontrak baru dalam berbisnis, yaitu kontrak elektronik. Pertanyaan-pertanyaan dan isu mengenai e-contract telah cukup lama menjadi topik pembahasan dan menyebabkan pro kontra. Oleh karena itu, tujuan utama studi ini adalah untuk meningkatkan kesadaran akan keberadaan kontrak e-commerce, untuk mengidentifikasi perspektif teoritis dari kontrak bentuk standar elektronik dan bagaimana kontrak bentuk standar elektronik dapat dinyatakan absah.

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Over the years, we have seen how the internet has revolutionized people’s way of communicating. Hence, it is only natural that the way people are doing business has also changed. Businesses are now done through efficient electronic transaction processing and instant access to information, which resulted in a new kind of trade called e-commerce. As a result, legal structures often struggle to keep up and catch up. Such trade has created a new way of contracting, namely electronic contract. Many questions and issues regarding e-contracts have been raised for quite a long time. This study's primary aim is first to raise awareness of the existence of e-commerce contracts, to identify the theoretical perspective of the electronic standard form contracts and to how the electronic standard form contracts are enforceable."

"Penelitian ini bertujuan untuk menganalisis pengaruh customer-to-customer electronic word of mouth melalui TikTok terhadap purchase intention skincare product pada generasi Z di Indonesia. Media sosial merupakan media penyebaran electronic word of mouth. Dalam penelitian ini, peneliti ingin menginvestigasi faktor apa yang memengaruhi eWOM usefulness dan credibility dan mengapa konsumen mengadopsi eWOM sebelum melakukan pembelian. Penelitian ini merupakan penelitian kuantitatif dan dengan metode Partial Least Square – Structural Equation Modeling (PLS-SEM). Hasil dari penelitian ini menemukan bahwa aperceived persuasiveness, perceived informativeness, source expertise, dan source trustworthiness memiliki efek positif terhadap eWOM usefulness dan credibility dan pada akhirnya mempengaruhi purchase intention melalui mediasi.

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This study aims to analyze the influence of customer-to-customer electronic word of mouth via TikTok on the purchase intention of generation Z’s skincare products in Indonesia. Social media is a medium to spread electronic word of mouth. This research wants to investigate factors that affect eWOM’s usefulness and credibility and why consumers adopt eWOM before they make a purchase. The quantitative research was conducted using Partial Least Square - Structural Equation Modeling (PLS-SEM). According to the results, perceived persuasiveness, perceived informativeness, source expertise, and source trustworthiness have positive effects on eWOM's usefulness and credibility, then, through mediation, affect the purchase intention."