Purpose: This research aims to study the impact of changes in transaction styles in the 4.0 era with more depth, how consumers from various level start to use technology in ease of everyday life and consumer choices in the use of applications and their willingness to pay for the transaction fee, whether from bank institutions or digital start-up companies in terms of effectiveness, security, and public enthusiasm with digital payment technology.   Theoretical Framework: The framework was developed depend on the theory or study literature variables of mobile banking, digital wallet, digital payment and willingness to pay.   Design/Methodology/Approach: The research uses 225 sample in Indonesia collected by direct online approach and contingent valuation method open-ended question to digital payment user that use both applications provided by bank institution and digital wallet service.   Findings: The result implies that the willingness-to-pay for mobile banking to another bank transaction fee is lower than the actual price and willingness-to-pay for the digital wallet to bank transaction fee is higher than the average real price.   Research, Practical & Social Implications: Consumer needs more security aspect on mobile banking transaction but tends to use the digital wallet as their transaction preference due to the promotions and life-service application integrated. As a premium account for digital wallet existed, the consumer tends to demand more on facilities and access to maximum limit of balance on digital wallet.   Originality/Value: This study compares the consumer preferences for mobile banking and digital wallet brands accessed in Indonesia. All the respondents of the survey are bank and digital wallet users.

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This study aims to determine the effect of internal control and risk management on organizational performance through fraud prevention. This quantitative research type uses descriptive analysis methods and inferential statistics, namely Structural Equation Modeling (SEM) using Partial Least Square (PLS) and Microsoft Excel software. The population in this study were all auditors who worked at the Inspectorate of Southeast Sulawesi Province, amounting to 37 apparatus. By taking a sample using a saturated piece, the number of samples is 37 Apparatus at the Inspectorate of Southeast Sulawesi Province. This research is sourced from primary data and secondary data. Primary data is obtained from the results of questionnaires distributed to each respondent; secondary data is data that has been collected or data obtained from previous research results—analysis of the Structural Equation Model (SEM) using the PLS program. The study's results found that internal control and risk management had a positive and significant effect on fraud prevention; fraud prevention has a positive and significant impact on organizational performance; internal control and risk management have a positive and significant impact on organizational performance through fraud prevention. Although the internal control implemented is reasonable, it needs to be improved by increasing the identification of every possible risk to avoid risks that will occur in the future. We suggest that the Southeast Sulawesi Provincial Inspectorate can review the performance of each division in carrying out operational activities based on the achievement of performance indicators. Improve regular system maintenance activities, thereby minimizing system disturbances—more follow-up on recommendations on audit findings.

A shift in marketing orientation, from transactional marketing to long-term and involves emotions that become the current trend. Many ways and efforts made by the company to win the current competition is to conduct customer intimacy towards its customers. This research is aimed to see how the relationship between customer intimacy and customer satisfaction, measured using ordinary linear regression. Independent variable in this research is customer intimacy with factors of Tailoring, Coaching, and Partnering, and dependent variable customer satisfaction with Tangible, Empathy, Responsiveness, Reliability and Assurance as its factors, processed using customer satisfaction index method. Purposive sampling method is used to reach 100 respondents and the data is analyzed using ordinary linear regression. Simultaneous t- test is used to test hypotheses with significance level of 10%. Result shows that customer intimacy has positive and significant influence to customer satisfaction. Customer intimacy is able to define 14,8% customer satisfaction. This indicates a low relationship of customer intimacy to customer satisfaction in car service center.  Keywords: customer intimacy; customer satisfaction; service quality Abstrak Orientasi pemasaran yang mulai beralih dari pemasaran transaksional menjadi pemasaran yang bersifat jangka panjang dan melibatkan emosi menjadi tren saat ini. Banyak cara dan upaya yang dilakukan oleh perusahaan untuk memenangkan persaingan saat ini adalah dengan melakukan customer intimacy terhadap konsumen nya. Penelitian bertujuan untuk melihat hubungan antara customer intimacy terhadap customer satisfaction yang diukur berdasarkan regresi linier sederhana. Penelitian ini menggunakan customer intimacy sebagai variable independen dengan faktor-faktor Tailoring, Coaching, dan Partnering sedangkan variabel dependen yang digunakan adalah customer satisfaction dengan faktor-faktor Tangible, Empathy, Responsiveness, Reliability, dan Assurance yang diolah menggunakan metode customer satisfaction index. Penelitian ini menggunakan metode purposive sampling sebagai sampel dengan menggunakan 100 tanggapan responden untuk diteliti. Data dianalisis dengan regresi linear sederhana. Pengujian hipotesis menggunakan Uji t simultan dengan tingkat signifikansi 10%. Hasil pengujian menggunakan uji t menunjukkan bahwa di tempat penyedia jasa servis mobil variabel customer intimacy berpengaruh positif signifikan terhadap customer satisfaction. Selain itu variabel customer intimacy dapat menjelaskan 14,8% variabel customer satisfaction. Hal ini mengindikasikan adanya pengaruh yang rendah tapi pasti dari customer intimacy terhadap customer satisfaction di tempat penyedia jasa servis mobil. Kata kunci: keintiman kepada konsumen; kepuasan konsumen; kualitas servis

<p>In the era of industrial revolution 4.0, digital technology is constantly improving in many areas of industry, particularly in business. It forces every business, whether large corporations or small businesses, to make various adjustments in order to keep up with the advancement of digital technology. They should be aware of how far their improvement and readiness have advanced in the digital era. This paper measures the digital readiness of SMEs and categorizes them into the level of digital readiness. The research examined the level of digital readiness among businesses, particularly small and medium-sized enterprises (SMEs) in West Java. A survey of 113 SMEs in West Java was conducted to assess their digital readiness. This research used a descriptive survey research approach. The research method itself is carried out by using a cross sectional survey method. Five variables used in this research include people, process, strategy, technology, and integration. Findings indicated that SMEs in Indonesia show a low level of readiness in relation to Industry 4.0. The majority of the respondents are aware about the phenomenon of digitalization, but they are currently not ready to adapt or use various innovations in their businesses. People, process, strategy, technology, and integration are the five variables analyzed, and the variable showing the best readiness to face digitization is people. SMEs business owners are still taking initial steps to identify the most appropriate strategy to approach industrial revolution 4.0. SMEs must take advantage of existing opportunities, especially with the availability of various information and data to develop business and make decisions. In general, the majority of businesses in Indonesia are small and medium-sized enterprises (SMEs) that are aware of the development of digitalization but are hesitant to implement it and require extensive assistance from various parties to understand and implement digitalization in their business.</p>