Purpose -This study aimed to help define the environmental factors affecting the acceleration of FinTech adoption by SMEs in the East Java Region. Design/methodology/approach -An empirical study of TOE Framework focused on environmental factors using the data from 402 respondents of SMEs Owners and Managers who have already implemented OVO e-wallet in their business. Primary data was analyzed using SEM-PLS. Finding -The high competition in industry has no connection with the acceleration of FinTech adoption. Environmental variables conclude the prediction 75,8% of FinTech adoption. The most interesting finding among the three factors in environmental factors is only the support from government and vendor that significantly accelerate the fintech adoption by SMEs in the East Java Region. The finding suggested that vendors must actively offer the e-wallet payment services and provide training to merchants. Government support has also shown to be a significant antecedent toward consumers' intention to use the e-wallet payment services.

<p align="center"><strong><em>ABSTRACT</em></strong><strong><em>:</em></strong></p><p><em>The increasing number of internet users in Indonesia in recent years greatly affect the growth of e-commerce business. One of the fast growing business is online travel services such as Traveloka, Tiket.com, Agoda, Pegipegi and so on. Online travel services are very diverse facilities, ranging from the procurement of websites to the manufacture of applications. The quality of online services (e-Service Quality) can facilitate efficiently and effectively in the purchase, sales, and delivery of both products and services. E-Service Quality or E-ServQual is a new version of Service Quality (ServQual). E-ServQual is developed to evaluate a service provided on the Internet network. The dimensions of E-ServQual used in the study are 8 dimensions, </em><em>there are</em><em> website design, reliability, responsiveness, security, fulfillment, personalization, information, and empathy.</em><em> </em><em>The </em><em>sample</em><em> used</em><em> in this research is purposive sampling counted </em><em>38</em><em> respondent</em><em>s</em><em>. The sample selection is based on experience using online travel agent in Indonesia. </em><em>This research is using factor analysis to find out the new dimension construct on e-ServQual towards online travel agencies (OTA) in Indonesia</em><em>.</em></p><p><strong><em>Keyword:</em></strong><em> e-ServQual, e-commerce, Online Travel Agent (OTA).</em><em></em></p>

<p align="center"><strong><em>ABSTRACT:</em></strong></p><p align="center"> </p><p><em>Small and Medium Enterprises (SMEs) is one of the pillars and strengths that contribute to the Indonesian economy. SMEs in Indonesia began to grow because of the growing technology. One of the supporting factors is the business of Financial Technology (fintech). This study aims to find out the factors that affect the intention of SMEs (vendors) in terms of the use of Financial Technology in the form of cashless payment applications (for the example: OVO, T-Cash, and so on). This research uses semi-structured research framework with T-O-E (Technology - Organization - Environment) approach. The method used is qualitative descriptive. Data on influencing factors are obtained from semi-structured interviews to describe the phenomenon of application-based cashless payment. Validity is tested with source triangulation. An approach is needed to determine the factors that most influence the acceleration of adoption of financial technology. Once these factors are known, step approach and development will be easier to do.</em></p><p align="center"> </p><p><strong><em>Keywords: </em></strong><em>Financial Technology, SME, intention, Small and Medium Enterprises<strong> </strong>(SMEs)</em></p>

Penelitian ini dilakukan untuk mengetahui pengaruh dari persepsi harga dan kualitas produk terhadap minat beli ulang konsumen Juice&SmoothiesZone. Juice&SmoothiesZone adalah bisnis cold-pressed juice yang terletak di Surabaya. Penelitian ini dilakukan dengan pendekatan kuantitatif dengan melakukan penyebaran kuisioner untuk mendapatkan hasil respon pelanggan tentang pengaruh dari persepsi harga dan kualitas produk terhadap minat beli ulang konsumen Juice&SmoothiesZone. Pengambilan sampel menggunakan purposive sampling yaitu konsumen yang telah membeli produk Juice&SmoothiesZone minimal dua kali. Kuisioner didapatkan dengan cara menemui responden secara langsung. Jumlah sampel yang diambil sebanyak 37 responden. Teknik analisis data yang digunakan adalah regresi linear berganda dan uji asumsi klasik. Hasil penelitian ini diuji menggunakan SPSS untuk menjelaskan bahwa persepsi harga dan kualitas produk berpengaruh positif dan signifikan terhadap minat beli ulang konsumen Juice&SmoothiesZone. Hasil penelitian ini adalah persepsi harga berpengaruh secara positif dan signifikan terhadap minat beli ulang konsumen Juice&SmoothiesZone. Kualitas produk berpengaruh secara positif dan signifikan terhadap minat beli ulang konsumen Juice&SmoothiesZone. Kata kunci: Persepsi Harga, Kualitas Produk, Minat Beli Ulang

The percentage of entrepreneurship in Indonesia has not reached two percent of the whole population. This is proven by the survey result of Global Entrepreneurship Monitor (GEM) which shows that, out of the total population of two hundred fifty million people, there is only 1.65% entrepreneur in Indonesia; this figure is still below other ASEAN countries. Nevertheless, the survey result says the perceived opportunity in Indonesia is rather high with 47% and the proportion of perceived opportunity between man (51%) and woman (49%) is similar. This shows that Indonesian people have high intention to become an entrepreneur. There are many businesses that grow from different generation backgrounds. Based on the generation theory, there are five generation groups which are categorized based on their birth cohort: