The development of information technology (IT) and the adoption of blockchain have affected the world of finance today. Research on these two matters is still lacking, especially from a financial perspective. This study aims to review the latest research regarding changes in corporate governance with the adoption of IT governance and blockchain. A computerized multi-database literature search was conducted in January–March 2022, using the ScienceDirect and Emerald search engines. The terms “corporate governance”, “IT governance”, and “blockchain” were entered in the descriptor fields, with “language” limited to English and “source” limited to peer-reviewed journal articles. The implementation of good corporate governance will reduce the company's risk and protect investors. Technological advances can be used to develop better IT governance by making information transparent and adopting technological advances to support the implementation of good corporate governance. Under a blockchain framework, corporate governance might evolve in a variety of ways. There are several advantages to issuing and trading corporate securities on blockchains, but there are also certain drawbacks connected to increased ownership transparency. Businesses would seek out board members and outside advisors with various skill sets, and crucial issues like managerial incentives would probably change to account for the shifting character of corporate securities.

Since smartphones are so common, digital wallets have developed swiftly to fulfill the demands of a contemporary culture that promotes mobility and streamlines transaction processes. This study's objective is to clarify consumer behavior in Indonesia's adoption of digital wallets. This study was carried out in Jakarta involving 360 respondents. This study analyzes using a structural equation model (SEM) with LISREL software tools. The results of this study explain that perceived ease of use, trust, security, and intention are important in increasing the actual usage of digital wallet users in Indonesia. The practical implications of this study are useful for comparing perceived scores on various antecedents of digital wallet adoption. The study identifies potential differences in perceptions of the elements influencing the adoption of digital wallets in Jakarta, particularly among the younger generation, which makes up the bulk of respondents. The success or failure of digital wallets depends on a variety of ecosystem components as well as consumer-related factors.

Blockchain technology is one of the crypto-currency technologies that has received a lot of attention. It has also found use in various applications, including the Internet of Things (IoT) and Cloud computing. Nonetheless, Blockchain has a significant scalability issue, restricting its ability to support services with various transactions. On the other hand, cloud computing is the on-demand availability of shared computer system resources, although issues now beset it in automation, processes, management, policies, and human aspects. Combining cloud computing and blockchain technology into a single system can improve network control, task scheduling, data integrity, resource management, pricing, fair payment, and resource allocation. In this article, we offered a comprehensive and up-to-date survey of cloud computing and Blockchain integration, a critical service for business applications due to the benefits of privacy, security, and service support. The lack of a comprehensive assessment examining the significance of BaaS platforms used in cloud computing prompted this review. We focus on the various BaaS tools that are currently in use. This report also examines the most common BaaS platforms incorporating Blockchain as a cloud service, such as Alibaba, Oracle, Azure, Amazon, and IBM. Furthermore, this research highlighted some major technological issues associated with merging Blockchain with cloud computing.

The purpose of the paper is to select the mediating role of information integration between cloud computing and productivity. The research sample comprised 320 employees. Survey was utilized to gauge the cloud computing impact on productivity and information integration. 281 questionnaires returned for statistical analysis, adopting the quantitative approach. The study's findings indicated that productivity standards, applying information integration, and cloud computing usage were all highly prevalent. In addition, there was an impact for cloud computing on productivity and information integration. Recommendations for study were discussed.

The study investigates the effects of system quality and service quality on e-filing user satisfaction as well as the effect of information quality on e-filing user satisfaction through quantitative research. The variables in this study consist of the dependent variable, namely e-filing user satisfaction, while the independent variables are system quality, information quality, and service quality. The population in this study is the taxpayer. The sample in this study includes 340 taxpayer respondents in Indonesia who were calculated using the Slovin formula, with the research instrument in the form of a questionnaire measured using a Likert scale 1 to 7. The sample collection technique in this study uses the incidental sampling method, with the research instrument using an online questionnaire distributed via social media. The sample collection method in this study used incidental sampling. The data analysis technique in this study used structural equation modeling (SEM) with SmartPLS 3.0 software tools. The results of this study indicate that system quality has a positive effect on e-filing user satisfaction. Information quality also has a positive effect on e-filing user satisfaction. Finally, service quality has a positive effect on e-filing user satisfaction.

The primary objective of this article is to present the findings of an experimental study on the use of a human-like “naturalistic” avatar (of both genders) for information presentations. The primary goal is to investigate how users' frame of mind, purchasing behavior, and satisfaction are affected by being presented with information by a naturalistic avatar that lacks expressive capabilities. Two different types of information presentations were developed and empirically tested on 48 participants, namely: (i) two dimensional static graphical and textual information presentation and (ii) non-expressive naturalistic avatar. For this comparative research study, a simplified version of the user experience model that was used in our earlier research (the EUX-DM) was selected to serve as the measurement model. Participants' perceived values of the measured qualities were found to be independent of both their own and the naturalistic avatar's gender, and the non-expressive avatar had a positive effect and a stronger encouragement on participants' intention to purchase, usage attitude, and satisfaction than other types of information presentations.

Since scheduling literature has a wide range of uncertainties, it is crucial to take these into account when solving performance measure problems. Otherwise, the performance may severely be affected in a negative way. In this paper, an algorithm is proposed to minimize the total completion time (TCT) of a two-machine no-wait flowshop with uncertain setup times within lower and upper bounds. The results are compared to the best existing algorithm in scheduling literature: the programming language Python is used to generate random samples with respect to various distributions, and the TCT of the proposed algorithm is compared to that of the best existing one. Results reveal that the proposed one significantly outperforms the best one given in literature for all considered distributions. Specifically, the average percentage improvement of the proposed algorithm over the best existing one is over 90%. A test of hypothesis is conducted to further confirm the results.

This research aims to fill the gap in sustainable insurance product study. The central research question of this research is how to develop a fair pricing framework in order to design a sustainable financial product. Current profit testing method is arguably lack of policyholder considerations. The profitability decision under current method only considers profit margin for company. There is no profitability measurement for policyholder. To improve fairness under current pricing, the proposed study proposes a concept of equity in risk between company and policyholder. In order to establish equity in risk, profitability for policyholder needs to be defined and risk measure Conditional Tail Expectation (CTE) for company and policyholder is proposed as a solution. Fairness is achieved if CTE between company and policyholder falls within certain range. CTE generated under new framework could be used as a reference point to all stakeholders to assess the fairness of Unit Linked price. The target population for the study was any regular premium Unit Link product. This research used simple random sampling. From the population consisting of 34 companies 20 samples were drawn. Data is taken from the Indonesian Financial Service Authority. The data used is from the time period between 1 January 2015 and 30 June 2019. Using the CTE, this study finds that most of the Unit Linked pricing are far from fair. It is recommended that companies could be more efficient in their operating and distribution cost in order to be fairer to policyholder and therefore will make the product more sustainable.

Foam made panels as efficient building elements are becoming a major role player in modular construction with a variety of applications worldwide. However, construction accuracy, technology, and method can have serious effects on the panels’ behavior. In this study, using a unique pneumatic pressure testing rig, bending tests are conducted on the two types of rigid polyurethane panels. The panels are categorized based on the existence of construction cold joints (seams) as S (Seamless) type and TS (Transverse Seams) type. The S type panels are tested under monotonic uniform loading with a maximum nominal pressure of about 1 atm as the witness specimens. The TS panels are tested under both monotonic and cyclic uniform loading, and the deflections-pressure behavior obtained. The results show that S panels could resist up to 0.77 atm under monotonic uniform loading, while the minimum tensile strength of the foam is 13 MPa. In addition, panels with transverse seams collapsed under monotonic and cyclic loads at an average of 0.46 atm and 0.33 atm respectively but at the same position, located on the seamed section, which represent the same failure mode. Based on the results, the seamed section exhibited a maximum tensile strength of about 33.1% of an intact section under monotonic loading; and 27.9% lower results under cyclic loading.

Today, most industrial managers in the world are interested in protecting the environment and biological resources. On the other hand, current technologies are getting momentum towards specialization and globalization. Thus, in order to remain in a highly competitive world market, producers have to respond to the customers' demands under different circumstances. The leading role of distribution centers to deliver products to customers on time and to reduce the costs of stock maintenance has attracted the attention of many supply chain managers in current competitive conditions. Cross docking is a logistic strategy aiming to reduce the stock and increase the level of customer's satisfaction. Products are delivered from the supplier to the customers through cross docking. In this paper, a nonlinear multiproduct vehicle location-routing model is presented with heterogeneous vehicles. Each truck can carry one or more types of products. In other words, compatibility between product and vehicle has been accounted for here. This model aims to find out the possible minimum number of cross dockings among the existing set of discrete locations and minimize the total cost of opening cross docking centers as well as vehicle transportation (distribution and operation cost) costs. In sum, the model aims to find the number of cross docking centers, the number of vehicles and the best route in the distribution network. Since the model is mixed integer programming, to apply the model to medium and large scale problems, meta innovative genetic and particle swarm optimization algorithms are introduced. The results obtained from examining various problems show high efficiency of the proposed methods.