In an increasingly advanced digital era, micro, small, and medium enterprises (MSMEs) face new challenges and opportunities in enhancing their sales performance. The use of innovative technologies, such as ChatGPT and Customer Relationship Management (CRM), is key to improving operational efficiency and strengthening MSME competitiveness. This study aims to analyze the impact of integrating ChatGPT and CRM on MSME sales performance with operational efficiency as a mediating variable. The research employs a quantitative approach using SEM-PLS methodology to explore the relationships between relevant variables. The study was conducted on 100 MSMEs in Subang Regency, Indonesia, using an online questionnaire as the data collection tool. The findings indicate that the integration of ChatGPT and CRM significantly affects MSME sales performance in Subang Regency, with operational efficiency as a mediating variable. First, ChatGPT has been shown to have a significant positive impact on MSME sales performance. This technology facilitates the adoption of new technologies, enhances customer interaction, and enables better service personalization, which directly impacts increased sales volume, sales growth, and revenue. Second, effective CRM implementation also demonstrates a significant positive influence on MSME sales performance. Good customer data management, customer satisfaction, and customer loyalty contribute to increased sales volume, sales growth, and revenue. Third, operational efficiency proves to play a significant mediating role in the relationship between ChatGPT and CRM integration and MSME sales performance. Improvements in operational efficiency through reduced processing times, optimized resource use, and cost reduction support increased sales volume, sales growth, and revenue.

This study examines the influence of mental accounting, financial attitudes, financial knowledge, and financial self-efficacy on the financial behavior of diligent students in using fintech. This study differs from previous research because it uses a sample of students who already have a business and often use fintech. Data collection was carried out through the distribution of questionnaires to respondents. This study found that financial attitudes and self-efficacy had a significant effect on financial behavior, while financial knowledge had no significant effect on financial self-efficacy and mental accounting. Mental accounting significantly affects financial attitudes, financial behavior, and financial self-efficacy. These findings prove the importance of mental accounting in increasing the confidence and effectiveness of students who often use fintech and have a business in making financial decisions. This research contributes to developing the theory of planned behavior in the context of financial behavior. It reveals that financial literacy does not necessarily increase financial self-efficacy and mental accounting, especially among students who often use fintech and are just starting a business.

This study aims to explore the effect of data analytics quality on company sustainability through operational performance as an intervening variable of Fintech Peer to Peer Lending (P2P) companies registered and licensed at the Financial Services Authority (known as OJK) Indonesia. This study is quantitative research using primary data collected through questionnaires and interviews. The data came from 104 company leaders and involved 91 Fintech P2P Lending companies registered and licensed at OJK until December 2023. Data were processed using statistical tools Structural Equation Modeling (SEM)-Lisrel. The result of processed data indicates that data analytics quality has a positive and significant effect on company sustainability through operational performance as an intervening variable. Data analytics quality with AI-based automation makes repetitive work operations easy, efficient and effective which has implications for increasing the sustainability opportunities of fintech companies.

This study investigates the factors influencing the actual usage of freight forwarding services in Indonesia, focusing on the roles of desire, outcome expectancy, and perceived self-efficacy, with delivery risk and perceived trust acting as moderating factors. Grounded in Social Cognitive Theory (SCT), this study examines how personal cognitive factors and external risks influence users' attitudes and behaviors toward freight forwarding services. Data were collected from 616 respondents across Jakarta, Surabaya, and Makassar utilizing a structured questionnaire. Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed to test the hypothesized relationships. The findings reveal that desire significantly influences both attitude and delivery risk, while attitude has a strong direct effect on actual usage. Outcome expectancy and perceived self-efficacy demonstrated weaker effects, particularly on attitudes, suggesting that other factors, such as trust and risk perceptions, play a more significant role in this context. Additionally, delivery risk was found to moderate the relationship between desire and attitude, while perceived trust did not moderate the link between attitude and actual usage. The research underscores the importance of trust-building and risk mitigation strategies for freight forwarding service providers in Indonesia. The study also provides theoretical contributions by applying SCT to the logistics sector and offers practical implications for enhancing service adoption in emerging markets.

The swift growth of online commerce has significantly impacted the expedition service industry. As online shopping becomes increasingly prevalent, reliable shipping service has become crucial. Therefore, this study aims to determine the correlation between service quality, customer perceived value, and trust, as well as their impact on customer satisfaction within the expedition service industry. A survey was carried out through various messaging platforms, such as WhatsApp and Telegram, to reach users. Data were then obtained from 165 respondents, who were users of the 8 most popular expedition services in Indonesia (including J&T, JNE, SiCepat, Ninja Express, SAP, and others), followed by PLS-SEM analysis. The results showed that the three independent variables positively influenced customer satisfaction. In addition, trust acted as a mediator, indirectly affecting both service quality and customer perceived value. These results are expected to serve as a foundation for developing more efficient and contextually relevant strategies for expedition companies in the future.

Products produced by manufacturing companies are always required to meet the requirements set by customers. Manufacturing companies need to maintain product quality by involving internal company components and external partners by using integrated information technology to become supply chain quality integration. All components in the supply chain flow must be committed to maintaining product quality in their respective roles. The research aims to ensure that technology information integration can impact firm performance through supply chain quality integration and resilience. Data collection on manufacturing companies in Java using purposive sampling found 162 companies that had received ISO certification. Respondents were determined to be employees at the middle management level and had worked for a minimum of 3 years. Data processing used partial least squares version 4 to answer all research hypotheses. The data processing results showed that information technology integration influenced supply chain quality integration by 0.588 and supply chain resilience by 0.523 and had no significant effect on increasing firm performance. Supply chain quality integration influences supply chain resilience by 0.288 and increases firm performance by 0.496. Lastly, Supply chain resilience has a positive and significant effect on increasing firm performance by 0.169. The research results provide a practical contribution to the company's top management in maintaining the role and function of technology information integration and the ISO system in maintaining supply chain quality integration. Theoretical contribution to enrich the theory of total quality management and supply chain management.

In today's rapidly changing business environment, companies need to be dynamic, adapting their internal processes to respond effectively to external changes. Information Technology has become crucial for businesses to enhance their ability to manage and adapt to change. This study examines East Java manufacturing companies that have heavily invested in sustainable IT systems to enhance their supply chain responsiveness and resilience through improved purchasing strategies and production flexibility. The study collected data from companies that had implemented IT for at least three years, with respondents being permanent employees with a minimum of two years' experience. Analysis of 108 survey responses using SmartPLS 4 revealed significant impacts of IT implementation on purchasing strategy (0.610), production flexibility (0.363), and supply chain responsiveness (0.164). Furthermore, purchasing strategy influenced production flexibility (0.367), supply chain responsiveness (0.348), and resilience (0.166). Production flexibility also affected supply chain responsiveness (0.348) and resilience (0.343), while responsiveness impacted resilience by 0.306. These findings provide a practical contribution for functional managers in companies regarding the importance of IT investment in developing effective purchasing, production, and marketing strategies to meet market demands swiftly. The research contributes to supply chain strategy and resilience theory while highlighting the significance of strong collaboration with external partners for top management.

The purpose of this research is to explore the relationships between information literacy, digital literacy, media literacy, Attitude toward use, and employability to examine the role of information and digital literacy in influencing employees' intentions to use technology in the workplace. The research sample for Indonesia was 250 respondents and for Malaysia there were 298 respondents. The data collection method uses Google Forms, distributed to respondents through purposive random sampling technique. The research results indicate that in Indonesia, Computer Literacy (CL) on Perceived Usefulness (PU), PU on Attitude towards Use (ATT), and ATT on Employability (EMP) have a big influence. On the other hand, Information Literacy (IL) and CL have a small influence on Employability. Likewise, Perceived Ease of Use (PEOU) has little influence on ATT. Malaysia, which has a big influence is Digital Literacy (DL) on Employability (EMP) and Perceived Ease of Use (PEOU). However, DL has a small influence on PU, as does IL on EMP, PEOU, and PU. Likewise, the influence of PEOU on PU is small.

Poverty is a complex and multidimensional social problem faced by almost all countries including Indonesia. Poverty alleviation efforts require accurate and up-to-date data to ensure that social welfare programs can effectively run and target appropriate beneficiaries. Bekasi Regency, as one of the regions that faces significant challenges in managing poverty, needs the right strategy in updating and utilizing poverty data to support social welfare programs. This study analyzes a policy framework for updating and utilizing the poverty data. The data were collected from focus group discussions with experts and stakeholders who were competent in updating and utilizing the poverty data. MULTIPOL method was used to analyze the data. The results of the study show that the best strategy for updating and utilizing poverty data in the scenario is to integrate scenarios with priority policy with digital budgeting policy, as well as priority actions providing incentives. This study makes an important contribution to regional development planning, especially poverty alleviation strategies based on accurate and integrative data.

Asset Liability Management (ALM) can be overseen using financial ratios derived from financial statements. These statements provide a comprehensive picture of a company's status and necessitate analysis to evaluate performance. This research aims to analyze financial ratios to describe the financial condition, measure business development over time, and evaluate the achievement of the company's objectives. An optimization analysis of financial ratios is performed using the Weighted Goal Programming (WGP) model, which addresses multiple objectives by applying weights based on their priorities. The Best-Worst Method (BWM) was used to determine the priority weights of deviation variables from each financial ratio target. Financial ratios were selected based on their impact on profit using factor analysis. The constructed WGP model aims to minimize deviations in Return on Assets, Operating Ratios, Operating Income Ratio, Total Assets Turnover, and Current Ratio. Computational calculations to solve the WGP model are performed using Python, with pseudocode provided. A case study on a company in the garment and textile sector was conducted and found that the Operating Ratio, Return on Assets, Operating Income Ratio, and Current Ratio still need improvement by developing strategies to achieve the targets. Sensitivity analysis was also employed to assess the resilience of the model in response to alterations in data.