Development of information systems in state universities, is needed in order to support more effective and efficient performance. This research was conducted to evaluate the factors that influence the intensity and behavior of users when using user systems. The sample are 240 users which were determined by using the convenience sampling method. The result confirms that the intensity of the use of the system by users is influenced by attitudes, subjective norms, and behavioral control. With the Theory of Acceptance Model (TAM) approach, the researchers also find that intensity is positively influenced by users' perceptions of system use and convenience. User intensity will increase their use of the system. In addition, the re-searchers found that the behavior in terms of using the system was also influenced by behavioral control and the user's perception of behavior in using the system. These results also show that the merging of the TAM and TPB models will have a greater impact on both the intensity and the actual behavior of users in the utilization of the system. The study has social implications for system developers, the user's psychological condition and system characteristics need to be considered in developing the system for future studies.

Despite the growing relevance of sustainable niche tourism, there is a lack of empirical studies on tourist consumer behavior in the context of coffee tourism—particularly regarding the factors that stimulate the urge to travel. The aim of the present study is to examine how digital literacy, habit, destination trust, and destination preference influence tourists’ urge to travel to coffee plantations. A conceptual framework was formulated to determine the ways in which habituated interaction between tourists and AI-based tourism infrastructure shapes tourists’ cognitions and affections to trust and preference, and these further drives travel enthusiasm. Data were gathered through an online survey on 225 tourists using convenient sampling. The measurement model was examined using Exploratory Factor Analysis (EFA), and the structural model and hypotheses were evaluated using Structural Equation Modelling (SEM) with AMOS version 29. The findings indicated that digital literacy had a significant and positive impact on the construction of habitual use of technology. Habit further emerged as an essential antecedent for destination trust and destination preference. Moreover, trust and preference were significant antecedents of tourists’ urge to travel. The model had superb fit indices (χ²/DF = 1.124, CFI = 0.995, RMSEA = 0.024), validating its theoretical construct and empirics. The findings provide deeper insights into consumer behavior, digital tourism consumption, and destination marketing practices, particularly, in response to the growing sustainability demands within the emerging context of coffee tourism.

Financial literacy is one of the human capitals, which has a contribution in influencing financial behavior. In line with the development of Islamic financial products, the Islamic financial literacy is needed to be enhanced to support people’s financial decision making. This study aims to determine the dimensions of Islamic financial literacy. The study used 472 Sharia mutual funds’ individual investors who were collected using convenience sampling technique. Islamic financial literacy in this study was measured using 9 indicators. Based on exploratory factor analysis (EFA), two dimensions of Islamic financial literacy were extracted: the first dimension is labelled subjective knowledge of Sharia compliance and the second dimension is named subjective knowledge of riba and profit-sharing.