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.

Indonesia's enduring vision 2045 requires sustained growth driven by productivity and human resources quality. A goal attainable only through a workforce proficient in critical thinking and digital literacy. Despite the acknowledged significance of digital literacy, there is limited empirical evidence on its effects, especially concerning employment prospects. While information and digital literacy are increasingly recognized as vital competencies within organizations, existing literature has somewhat overlooked the literacy levels of employees. This study aims to explore the impact of information and digital literacy on employees' perspectives regarding the utility and user-friendliness of digital technologies, subsequently assessing the implications for their overall employability in Indonesia. A survey involving 258 Indonesians. Data collecting is conducted through questionnaires and analysis using structural equation modeling investigates the factors influencing employability using the Technology Acceptance Model. The findings reveal that in Indonesia, there is a heightened emphasis on computer literacy and information literacy in both educational and professional realms. This might be due to the Indonesian education system and industry standards prioritizing these specific digital competencies, considering them essential for navigating technology, accessing information, and effectively utilizing digital tools in the professional sphere.

The research objective was to analyze the effect of financial literacy and digital literacy on financial inclusion, financial decisions, and financial resilience of MSME's. The design of this research is explanatory quantitative research. The research is a cross-sectional study in which all research variables are measured and observed at one point in time. The sampling technique used is area purposive sampling. The reachable population in this study was 98,567 MSMEs in the Province of Bali, and the research sample was 385. The research instrument used was a questionnaire with a Likert scale. The analysis technique used is a descriptive and inferential analysis using SEM-PLS. The findings of this research reveal 1) a direct positive and significant effect of financial literacy and digital literacy on financial inclusion, financial decisions, and financial resilience of MSMEs; 2) a positive and significant effect of financial literacy and digital literacy on financial resilience of MSMEs through financial inclusion and financial decisions parallelly; and 3) a positive effect of financial literacy and digital literacy on financial resilience of MSMEs through financial inclusion and financial decisions serially, but the effect of digital literacy on financial resilience through financial inclusion and financial decisions serially is insignificant. The findings of this research show the crucial role of financial literacy and digital literacy in increasing financial resilience. Financial inclusion and financial decisions mediate the effect of financial literacy and digital literacy on financial resilience.

In the current technology shifting era, technology plays an essential function that determines the continuity of the industry. The current technology advancements empower companies to produce creativity and innovation to serve customer needs and expectation. To deliver this challenge, it requires the continuous breakthrough and innovation. To create organization innovation, employee plays the main key, as the main source and the executor of innovation. The organizational environment in knowledge-based industries, especially in the telecommunication industry, it is very dynamic and work activities tend to involve non-standard tasks and complicated non-routines. Routines carried out by organizations may not be able to respond quickly to rapid technological changes, or often experience technical problems that re-quire fast and creative solutions. This study, focused on the innovative work behavior on employee perspective (creative self-efficacy and transformational leadership) and tested the digital literacy role on moderating the relationship between innovative work and employee performance. This study was made based on the survey conducted at various telecommunication companies across Indonesia comprising of 235 participants with managerial level and above. Structural equation modeling (LISREL) was used for data analysis in this quantitative research. The result proved that there was a positive and significant relationship between creative self-efficacy, transformational leadership and innovative work behavior, innovative work behavior was positively related to performance, digital literacy gave significant moderating influences on the relationship between innovative work behavior and performance.

Research on digital literacy, knowledge management and process innovation variables has not been widely carried out in Indonesia, therefore more studies need to be carried out immediately since small and medium enterprises (SMEs) play an important role in economic activities. The purpose of this research is to investigate the effect of digital literacy on knowledge management, digital literacy on process innovation and financial management on process innovation. The research method is quantitative using partial least square structural equation modeling (SEM) analysis with data analysis tools using SmartPLS 3.0 software. The study involved 489 respondents who owned SMEs and it was determined using simple random sampling. The type of variable scale used is the ordinal scale. The rating scale for each statement uses a rating scale technique with a Likert scale type. Online questionnaires are distributed through online media, the data analysis stage is the outer model test, namely the validity and reliability test and the inner model test, namely the hypothesis test or significance test. The independent variable of this research is digital literacy, the mediating variable is knowledge management, and the dependent variable is process innovation variable. Based on the results of research data analysis it was found that digital literacy had a positive and significant relationship on knowledge management, digital literacy had a positive and significant relationship on process innovation, knowledge management had a positive and significant relationship on process innovation. Knowledge management played as full mediators in the relationship between digital leisure variables and process innovation.

This study aims to examine the effect of digital literacy, digital marketing, and word of mouth on the interest of the z generation in Islamic banks. Researchers used primary data obtained from distributing questionnaires to students and students with a total sample of 460 respondents. In this study the sample acquisition technique used a purposive sample with the criteria for respondents being in the age range of 17 years to 25 years. The research method uses a quantitative approach and PLS analysis techniques assisted by SmartPLS version 3.0. The variables in this study include exogenous variables in the form of digital literacy, financial literacy, digital marketing, brand image and word of mouth as well as exogenous variables namely interest in Islamic banks. The results of this study indicate that financial literacy, digital marketing and word of mouth have an influence significant to the interest of the z generation in Islamic banks. Meanwhile, digital literacy and brand image have no significant effect on the z generation's interest in Islamic banks. The results of this study can be used as reference material in conducting further research, especially to determine Islamic banking marketing techniques for the z generation. For further research, it is expected to develop this research by adding other variables such as religiosity, location, level of service and other factors as well as other methods of research such as further and in-depth interview techniques with respondents so that more varied information results are obtained.