The growth of digital technologies has changed the way of doing financial transactions. Even though the transaction value for financial technology in 2018 grew by 24%, the financial inclusion rate in Indonesia is still low, with 64% unbanked. The aim of the study was to analyze the factors of the growing digital technology that influence customer decisions in choosing financial technology services using customer knowledge as the intervening variable. The growing digital technology is measured using social networking, regulatory services, and financial service facilities variables. The sample of this research focused on the microsegment customers located in Java Island. Statistical data are analyzed using Algorithm PLS. Results show that customer decision in choosing financial technology services was strongly influenced by customer knowledge. Customer knowledge was formed from information gathered from the social network, the formal assurance by the government, the financial service facilities, and financial inclusivity. The study recommends a need to educate, promote, and provide adequate information to increase familiarity and literacy rate with regard to financial technology. The study also recommends an urgent clear government regulation to protect the interests of customers and industries.

Kebutuhan masyarakat akan layanan kesehatan sangat tergantung pada keberadaan Puskesmas dikarenakan lokasinya yang mudah dijangkau, biaya yang murah atau bahkan gratis dengan pelayanan yang memadai meskipun terkadang Puskesmas juga memiliki keterbatasan dalam jumlah sumber daya yang dimiliki. Kegiatan PkM yang dilakukan oleh tim dosen UMN ini adalah merupakan solusi dalam merancang, mengimplementasikan sekaligus melakukan pendampingan bagi masyarakat Keranggan maupun bagi pihak internal Puskesmas Keranggan berupa penjadwalan pasien secara online. Sistem aplikasi ini dapat diunduh secara gratis melalui aplikasi Android sistem integrasi layanan kesehatan SIPURA. Aplikasi penjadwalan pasien online ini diharapkan dapat meningkatkan kualitas pelayanan kesehatan yang diberikan oleh Puskesmas Keranggan, dimana pasien harus melakukan reservasi secara online dan mengurangi waktu tunggu selaras dengan kebijakan Social Distancing di saat pandemic Covid 19 ini.

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This study aims to explain the presence or absence of the impact of several independent variables, namely Digital Marketing, Electronic word of Mouth (e-WOM), Personal Seling and the Influence of Competitor Products as Moderating Variables on Purchasing Decisions. The purchase decision in this study is the decision to choose a copy trading application issued by PT Digital Cerberus Indonesia, a growing local cryptocurrency platform (starup). The research was conducted at a digital currency trading company, PT Digital Cerberus Indonesia, based in Bekasi, which has 2,135 users and a random research sample of 100 people was taken. PT Digital Cerberus Indonesia is a company founded by the author in 2021 and managed until now. The research instrument used is in the form of a questionnaire that has passed the validity and reliability test so that the instrument is declared valid and reliable. Furthermore, the collected data was analyzed by the SPSS 26 method including Correlation test and Multiple Regression test. The results showed that Digital Marketing variables had a positive impact on the decision to choose the Cerberus copy trading application. Word of Mouth Electronic Variables have a positive impact on the decision to choose Cerberus applications. Poersonal Selling variables have a positive impact on the decision to choose the Cerberus application. This means that the three independent variables themselves affect the decision to choose a cerberus treading coffee application. From multiple regression analysis, it is concluded that the three free variants mentioned above together (simultaneously) have a positive impact on the decision to choose the Cerberus application.  The moderating variable does not have a positive impact on the decision to choose the Cerberus application.