This study aims to explain the role of relational capability and informational capability in mediating the effect of social media adoption on business performance. The population of this study is the owners of the fashion sector SMEs in Bali. The sample size used was 114 businesses with a purposive sampling approach. The analytical technique used is Path Analysis using the SEM-PLS approach. The results show that the adoption of social media has a positive and significant effect on business performance. Social media adoption has a positive and significant effect on relational capability and social media adoption also has a positive and significant effect on informational capability. Furthermore, relational capability has a positive and significant effect on business performance and informational capability has a positive and significant effect on business performance. Relational capability and informational capability can significantly mediate the effect of social media adoption on business performance. Therefore, it is important for SME owners in the fashion sector in Bali to intensify the adoption of social media to build relational and informational capabilities in order to increase business performance.

The purpose of this study was to determine the effect of value barriers, risk barriers, image barriers, cost barriers and usage barriers on the use of mobile banking in millennial generation customers. This research used a quantitative approach and the sampling technique used is purposive sampling which conducts research on a group of subjects with certain characteristics or is considered closely related to previously known population characteristics. This research was conducted by distributing 140 online questionnaires to mobile banking users and there were 110 questionnaires that were reversed and processed. Sampling methods use snowball sampling. The results indicate that there was a positive but not significant effect between risk barriers and mobile banking adoption intentions. However, there was a negative influence between image barriers and mobile banking adoption intentions. Moreover, there was a positive influence between perceived cost barriers and mobile banking adoption intentions, there was a positive influence between the barriers to use and mobile banking adoption the intention to adopt. Finally, there was a significant influence between value barriers and mobile banking adoption intentions.

Educational institutions worldwide are using online learning to provide students with continued education during the COVID-19 pandemic. The main purpose of this paper was to ascertain how facilitating conditions, social media, and ease of use, affect students’ perception towards online learning. During this pandemic, secondary school students were required to participate in full-time online learning. This study included 350 students from three regions in Jordan as a sample, and the results generated from the survey data were analyzed. Policy implications were established in this study to provide guidance to government agencies and schools on how to improve the delivery of online learning. Prospective research paths for future online learning research were suggested as well.

The purpose of this study was to analyze the relationship between E-Satisfaction, E-Word of Mouth and E-Trust on Repurchase Intention of Online Shop. The approach in the research used is a quantitative approach using PLS-SEM SmartPLS software as a data processing tool. In this study, the data collection technique was carried out using an online questionnaire which was distributed to 150 respondents’ consumers of online shops. Sampling system with snowball sampling method. Based on the results of hypothesis testing, it was found that this study found that satisfaction had a positive and insignificant effect on repurchase intention. This shows that the e-satisfaction of online shop consumers does not significantly affect the repurchase intention of these consumers towards e-commerce online shops. In addition, e-word of mouth has a positive and insignificant effect on repurchase intention. This shows that the higher the e-word of mouth perceived by e-commerce consumers, the less significant customers will repurchase online. E-trust has a positive and significant effect on repurchase intention. This shows that the higher the e-trust perceived by online shop e-commerce consumers, the more customers will repurchase online. The novelty of this research is the new correlation model of e-satisfaction, e-word of mouth and e-Trust on repurchase intention of online shops and the research can be a reference for further research to be applied in other places or countries.

Secure, convenient, and affordable payment instruments are one factor that drives up the development of the national economy. Having a good and stable national economic condition is the intention of every country. The usage of electronic payment instruments is proven to boost economic growth and advance financial inclusion. However, the usage of e-payment among generation Z in Indonesia is still relatively low. Of these, this study is written to analyze the factors influencing electronic payment used to be taken as a concern on evaluating the current level of the cashless society. The model to assess the influencing factors is adopted from UTAUT variables: performance expectancy, effort expectancy, and social influence, combined with two external variables: culture and perceived security. The questionnaire is distributed to 458 respondents, covering generation Z in Bandung City. A quantitative approach was used to assess the questionnaire result, examining the relationship between each factor and electronic payment usage. The results indicate three factors that significantly influence electronic payment usage among generation Z in Bandung City: performance expectancy, social influence, and culture.

5G is a revolutionary development in network technologies which is gradually becoming very common among people contributing significantly in different fields such as education, industry, agriculture, health, tourism and military. Currently, 5G is an outbreak change as opposed to the traditional service of the Internet since it offers better quality, ultra-fast connection, low-cost, reduced latency, energy saving, which makes its great impact even greater in people’s life. The present study examines various factors that have a significant impact on the Use of 5G in the Gulf area. The study extended the TAM (Technology Acceptance Model) to include factors such as Perceived Enjoyment, Perceived Resources and Perceived Skills Readiness. The present research has adopted a hybrid model that incorporates TAM determinants with other external factors which have a direct relation with 5G as internet service. Previous studies have focused on the importance of 5G in different environments and countries. However, this study focuses on the newly spread Use of 5G in the gulf area by adopting a hybrid conceptual model. The findings suggest that 5G may help in promoting the usage of internet service more effectively with its low-cost, faster data transfer and better quality. Moreover, the findings indicate a positive effect of the gender as a mediator between the variables: Perceived Skills Readiness, Perceived Ease of use, and Perceived Resources.

This study aimed to determine the intention of ATM users in Jordan to use internet banking services by investigating the effect of web-related features on their intention to use internet banking. The study sample was randomly selected. The results indicated that the level of internet banking usage among employees who use the ATM service is still underutilized. Also, computer self-efficacy significantly mitigated the effect of perceived risk, website quality, and perceived benefit on customers' intent to use online banking but did not significantly mitigate the impact of perceived use and compatibility on customers' intent to use online banking. The results can be useful for commercial banks that have implemented online banking in all their applications or are planning to do so. The study also provides benefits to academic researchers interested in the topic researched, commercial banks, commercial bank customers.

Emotional factors in the use of technology have the potential to be studied, since the important role of user engagement in the information technology development cycle, emotional plays a role in influencing the relationship between consumers and service providers. Previous research has examined various emotional factors of a person in operating digital services through online sites, but it is necessary to find an empirical correlation between emotional variables and one's intention to reuse (IR) online services. This study aims to determine whether users' emotions affect their decision to reuse Government to Citizen (G2C) online tourism services in Indonesia through the HEART Metrics approach. Furthermore, this quantitative study distributed questionnaires using simple random sampling to respondents who had used online tourism. Then analyse 260 research data using the SEM-PLS method by running Warp-PLS 5.0. The findings of this study are among the 5 HEART Metrics factors, 3 of which affect IR, namely Engagement, Retention, and Task Success, while Happiness and Adoption empirically have no significant effect on IR. Our results show that to gain consumer engagement with online services, service providers must consider the emotional elements of the users so that service reuse goals can be achieved. Furthermore, this research can be considered as an alternative recommendation for online tourism service providers, as well as the findings of a new model proposed to contribute to similar research in the future.

The purpose of this study is to determine the factors influencing continuous usage intention of E-Wallet in Denpasar City with integrating the Technology Acceptance Model (TAM) And Theory of Reasoned Action (TRA). This study applied a structural equation model analysis with 140 samples collected from E-Wallet users in Denpasar City. The results show that all three determinants of E-Wallet continuous usage intention, including perceived usefulness, perceived ease of use, and attitude. Recommendations are provided for E-Wallet providers to improve their user continuous usage intention in Denpasar City.

With advanced technology, service providers have used multiple channels to get customer feedback. Online complaints are considered a useful solution for many service providers. If the online complaints are appropriately resolved, this not only helps recover customer satisfaction but also enhances the service image in customers' minds. This study applies structural equation modeling (SEM) to determine the affecting factors on online complaint intention and service recovery expectation in e-banking services. Research data are collected by random sampling with a sample size of 206 customers who have ever experienced e-banking service failures. The study demonstrated that customers' intention to complain online is influenced by attitude towards online complaints, complaint experience, and service failure severity. Besides, online complaint intention positively influences customers’ recovery expectations for e-banking service failures.