The recent economic turmoil in Indonesia has hit the financial service sector hard. Consumer confidence in banks is low and institutions are having to work harder than ever to recruit and retain their customers. In this article the potential for banks to utilize benefit segmentation to assist them in this context is explored. It will be argued that for benefit segmentation to offer any real utility in this context, a link must be found between benefits and general observable characteristics, such as demographics. To ascertain whether such a link exists, a primary study of 1,000 individuals was conducted in the city of Bengkulu, Southwest Sumatra. As the results will show, while discrete bundles of benefits were identified, they would appear generally unrelated to consumer demographics.

The aim of this paper is to examine one of the most crucial factors in the “Technology Acceptance Model” proposed by Davis (perceived usefulness) in moderating the “DeLone and McLean” success model in the context of educational portal in Higher Education. Questionnaires were distributed online to 200 respondents and deserved to be analyzed. The respondents were regular students at the University of Bengkulu. Data analysis used Smart-PLS version 3.2.9. The research findings indicated an influence of “system quality, information quality, and service quality partially on user satisfaction” of the educational portal information systems. The result shows that perceived usefulness can strengthen the relationship between system quality, information quality, and service quality to the satisfaction of customer. This research contributes to the development of perceived usefulness variable as a moderating variable affecting the quality of a system, quality of information, and quality of service partially on user satisfaction and finding strategies needed by the University of Bengkulu effective and efficient information system.

The aims of this study were to investigate: (1) Perceived risk by consumers influencing on consumer online shopping intention. (2) Consumers trust influencing consumers' online shopping Intention. (3) The difference between hedonistic shopping motivation and utilitarian shopping motivation as moderation of the influence of perceived risk by consumers in online shopping intentions. Between hedonistic and utilitarian shopping motivation which variable is the stronger? (4) The difference between hedonistic shopping motivation and utilitarian shopping motivation as moderation of the influence of consumer trust in online purchase intentions. Between hedonistic and utilitarian shopping motivation which variable is the stronger? The data in this study is obtained from a questionnare distributed to 210 responden. The method used in sampling is purposive sampling addressed to the whole millennial generation in Indonesia who have had online shopping respondents. The method through the partial least squares (PLS) program, SmartPLS2.0 and t test. The results showed that perceived risk of consumers has a negative effect on shopping intention, and consumer trust has a positive effect on shopping intention. Futher the hedonistic shopping motivation is the stronger variable than utilitarian shopping motivation.

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During the COVID-19 pandemic, all regions in Indonesia have had negative economic growth. It also increased the poverty rate in the country. The government must allocate pro-growth and poverty reduction programs to maintain economic growth and simultaneously reduce poverty. This study aims to measure the relative efficiency of pro-growth poverty reduction spending of local governments in seven regions in Indonesia. This study compares the efficiency scores before and during the COVID-19 pandemic from 2015 to 2019 and 2020. The inputs are five types of government spending: education, health, economic, social protection, and infrastructure. The outputs are economic growth and poverty reduction. Data envelopment analysis with an output-oriented model and a return to scale variable approach is applied. The results show that the highest average local government efficiency score was in Kalimantan, with the lowest being in Sulawesi. The efficiency scores of local governments in the COVID-19 pandemic differ between regions: it remained stable in Kalimantan, increased in Java-Bali, Sumatra, and Sulawesi, and experienced a decline in Nusa Tenggara, Maluku, and Papua. The study concludes that economic growth and poverty reduction can simultaneously measure government efficiency. To be relatively efficient, local governments need to consider allocating pro-growth poverty reduction spending to improve the conditions of both outputs.