<p><em>Financial Technology (Fintech) has increased, follows by various innovations that lead to efficient, safe, fast, and convenience. One type of Fintech in Indonesia is a non-cash payment using an electronic wallet (e-wallet). People started to do the transaction through their mobile using electronic wallet  (e-wallet)  in daily life. However, people still prefer to use cash transaction caused by the security concern also e-wallet application often experiences an error during transaction. Thus, there is a need to investigate the people's acceptance of using this e-wallet to make a transaction. This study aims to evaluate one of Indonesia's e-wallet services using the Technology Acceptance Model (TAM). TAM emphasizes perceived usefulness and perceived ease of use and behaviour intention to use. It also investigates the perceived risk and Trust as TAM's external variables to test the technology's acceptance. A quantitative research method was employed utilizing the survey method. Data was collected from a sample of 113 e-wallet users in the Jabodetabek area. This study used The Partial Least Square (PLS) analysis method. From this study was discovered that the Perceived Ease of Use, Perceived Usefulness, Perceived Risk, and Trust are essential factors for predicting the user's intention to use an e-wallet as a mobile payment application. This study's recommendation reduces the potential risk of the e-wallet application, provides training, and socialization about e-wallet transactions. Additionally, the government may provide regulation or a system that can guarantee users' security of transactions.</em></p><p> </p><p><strong><em>Keywords: </em></strong><em>e-</em><em>wallet, Fintech, perceived risk, Trust, TAM</em></p>

Purpose:This study aims to examine the trip experience on competitive advantage creation in Indonesia tourism. Trip experience includes transportation, accommodation, tour guide, and tourism activities. Design/Methodology/Approach: The research population consists of all international tourists who visited Indonesia through Soekarno Hatta International Airport (Jakarta) and Ngurah Rai International Airport (Bali). The questionnaire was constructed in English and translated into Arabic and Mandarin. Convenience sampling techniques were used to collect data. Out of 500 questionnaires distributed, only 415 were valid and used for analysis. Partial Least Square by SMART-PLS 3.0 software was used for data analysis. Findings: Result shows that transportation, accommodation and tourist activities are positively significant factors on tourist loyalty and mediated by tourist satisfaction. Whereas, tour guides have positively but not significant influence on tourist loyalty and mediated by tourist satisfaction. Practical implications:The study provides a practical implication which requires a close relationship of state governments and tourism companies in order to have good cooperative and coordination to competitive advantage creation. Originality/Value: As this study is based on recent studies on tourism destination in competitive advantage creation it brings a new insight of analyzing the two cities of highest tourists visits in order to understand the condition of overall Indonesian tourism.

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Salah satu upaya untuk menambah pendapatan para petani adalah dengan mengolah kembali limbah padi menjadi sesuatu yang memiliki nilai jual seperti dibuat arang sekam. Arang sekam memiliki banyak manfaat baik di dunia pertanian maupun untuk kebutuhan industri. Pemanfaatan limbah padi masih terbatas saat ini, sehingga disaat musim panen limbah padi yang melimpah dapat mencemari lingkungan terutama di saat panen pada musim penghujan. Tujuan kegiatan Pengabdian Kepada Masyarakat (PKM) ini adalah memberikan solusi dengan mengadakan pelatihan cara pembuatan arang sekam dari limbah padi secara sederhana. Peserta kegiatan PKM ini adalah para petani di Desa Sukamaju, Kecamatan Tambelang, Kabupaten Bekasi. Kegiatan yang dilakukan adalah dengan mensosialisasikan manfaat serta cara membuat arang sekam kepada para petani. Pada petani diberikan contoh alat sederhana untuk proses pembakaran padi menjadi arang sekam dan di perlihatkan secara langsung cara kerjanya sampai pada proses pengemasan hingga siap untuk dijual. Petani di Desa Sukamaju diharapkan mampu memanfaatkan limbah padi menjadi sesuatu yang bernilai jual, sehingga diharapkan dapat memberikan keuntungan dari segi ekonomi, produktivitas tanaman, maupun dari segi pelestarian lingkungan.

Tourist loyalty is created through good tourism service quality and the availability of tourism products. This study discussed the various attributes of tourism service quality, namely, tour agents, efficient personnel, accessible transportation, and information service quality. Whereas for tourism product availability attributes were varieties of product availability, wide selection of tour agents and tourist products, and wide variety of amenity services. As a general rule, the minimum is to have at least five times as many observations as the number of variables to be analyzed, and the more acceptable sample size would have a 10:1 ratio. A total of 424 questionnaires were returned, with 35 removed due to errors. Finally, 389 questionnaires respondents were used via accidental sampling method through the distribution of questionnaires to foreign tourists at Soekarno Hatta International Airport. In addition, AMOS 7.0 software is used to test models in confirmatory factor analysis (CFA) as well as hypothetical testing using structural equation modeling (SEM). The results showed that all hypotheses were accepted, except for the effect of tourism service quality on tourist loyalty in Indonesia. This research aims to contribute significantly to the existing knowledge of tourism, specifically from a foreign tourist perspective in Indonesia.