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.

Financial Technology (Fintech) telah memberikan akses kepada banyak pihak yang tidak memiliki rekening bank untuk masuk ke sektor usaha formal. Penerapan Fintech terbukti mampu membuka akses yang lebih besar terhadap layanan jasa keuangan formal, mendorong pertumbuhan ekonomi, serta pembangunan inklusif dan berkelanjutan. Untuk mendukung penerapan Fintech di Indonesia, maka tujuan penelitian ini adalah mengetahui pengaruh regulasi dan kolaborasi terhadap literasi keuangan pada usaha kecil dan menengah di Jawa Timur - Indonesia. Penelitian ini dilakukan melalui pendekatan kuantitatif dengan menggunakan teknik analisis regresi berganda. Hasil dari penelitian ini yaitu regulasi dan kolaborasi berpengaruh signifikan terhadap literasi keuangan. Maka dari itu, penelitian ini dapat membantu banyak pihak yaitu pemerintah, pengusaha, dan konsumen dalam memberikan pemahaman secara lengkap dan menyeluruh berkaitan dengan literasi keuangan pada usaha kecil dan menengah berkaitan penerapan financial technology.

This study aimed to determine the effect of price (X1 ), product quality (X2 ), and brand image (X3 ) on the interest to purchase (Y) Two Good products. A quantitative research approach was taken. Purposive sampling was used. There were 98 respondents. A questionnaire with a Likert scale was used to collect the data, which were analyzed using multiple linear regression processed with SPSS 25 Software. The price and product quality had a significant positive effect on the interest in buying Two Good products, while brand image did not. Keywords: price, product quality, brand image, buying interest

Penelitian ini dilakukan untuk mengetahui pengaruh harga, kualitas produk dan promosi terhadap keputusan pembelian produk Graby Bites, penelitian ini menggunakan pendekatan kuantitatif dengan populasi yang diambil dari 62 responden dengan Teknik pengambilan Purposive sampling dengan kriteria konsumen Graby Bites yang telah melakukan pembelian produk lebih dari 2 kali periode bulan Juli-Oktober 2020 berdomisili Surabaya. Penelitian ini menggunakan metode analisis regresi linear berganda yang diolah melalui SPSS. Metode pengumpulan data dilakukan dengan menyebarlan kuisioner online melalui google form. Hasil penelitian ini menunjukkan bahwa harga, kualitas produk dan promosi memiliki rpengaruh signifikan terhadap keputusan pembelian dengan nilai signifikansi hasil uji t variabel harga 0,000, kualitas produk 0,000 dan promosi 0,001, semua nilai signifikansi berada pada angka < 0,05. Maka dapat di simpulkan bahwa variabel harga, kualitas produk dan promosi berpengaruh secara parsial terhadap variabel keputusan pembelian. Kata kunci: harga, kualitas produk, promosi ,keputusan pembelian

As the food and beverage industry is growing rapidly, entrepreneurs are using this opportunity to engage in this area of business. Data show that social media is a very useful tool to advertise products or services to attract more customers, and with more and more people using social media, businesses have made social media one of their main marketing strategies. This research aimed to explore the effect of Instagram social media marketing on decisions to purchase Hive & Honey Solo products through brand awareness as a mediating variable. The study had a total of 92 respondents who had purchased Hive & Honey Solo products more than once. Data were collected using a questionnaire with 13 indicators that used the Likert scale, and data were processed using PLS-SEM. Social media marketing significantly positively influenced decisions to purchase Hive & Honey Solo products through brand awareness. Keywords: social media marketing, brand awareness, purchasing decision