The purpose of this study was to determine the effect of privacy, security, trust and experience on the intentions of Accounting students to transact in e-commerce. The population in this study were students majoring in Accounting who had taken or were taking Information Systems courses at several campuses in the city of Makassar at random. The sample used was 100 accounting students and users of e-commerce applications. The results of this study partially show that the influence of privacy and security and trust has no effect, while experience has a positive and significant effect on the intention to transact in e-commerce in Accounting Students. The results of the research simultaneously show that the variables of Privacy, Security, Trust and Experience simultaneously affect the intention of students to transact in e-commerce.

The Covid-19 pandemic has impacted many sectors including the Islamic Banking sector. This study aims to analyze the profitability of Islamic banking before and during the Covid-19 pandemic, a case study at Bank Muamalat Indonesia (BMI). The research indicators used are banking financial ratios in the form of ROA (Return on Assets), ROE (Return on Equity), BOPO (Operating Agency to Operating Income), NOM (Net Operating Margin), and EPS (Earning Per Share). The research method used is a comparative study with a quantitative approach using data from Quarter I to IV financial statements for 2019 - 2020. The results show that there is no significant difference in the profitability of BMI before and during the Covid-19 pandemic seen from ROA, ROE, BOPO, NOM, and EPS.