M-banking is an innovative digital application that provides convenience in transactions and this technology benefits both customers and banks. The purpose of this study is to examine the factors that influence the customer's intention to use m-banking and the role of trust in influencing the UTAUT construct. The UTAUT model that is expanded with trust variables is used in this study. Data was collected through an empirical study based survey of 243 participants in Jakarta, using convenience sampling. The study results show that there is a significant relationship between performance expectancy, effort expectancy, social influence and trust with behavioral intention. Moreover, trust significantly influence performance expectancy, effort expectancy, social influence. The findings theoretically are able to prove the factors that influence the customer's mobile banking adoption, where the effort expectancy factor is the factor that most influences the intention to use m-banking in Indonesia.

The development of information technology and especially internet communication has caused significant social, economic and cultural changes to occur so quickly. On one side of information technology can provide benefits, simplify and accelerate access to information that we need in all things and can change the model of the economy and business models. However, even a negative impact cannot be avoided. Along with the development of internet technology, causing the emergence of new crimes called new cybercrime through the internet network. In this study, the authors approached qualitatively with interview methods and supported descriptive data from research sources originating from regulators and current digital business people who aimed to find out cybercrime in Indonesia. The results of this study, both regulators and business people view that critical preventive measures are taken and the law must continue to follow the development of crime in the cyber world.

The aim of this study was to determine whether the innovativeness variable can mediate the influence between market orientation and marketing performance in the culinary industry in West Java Province, Indonesia. More specifically, this study analyzes the relationship among market orientation, innovation and marketing performance in the single mediation model by placing mediation variable of innovation. The samples involved a total of 209 culinary industries under the auspices of the agency of cooperative and SME services. By using a simple linear regression analysis with SPSS and AMOS v. 23 we understand that innovativeness had the ability to mediate the influence between market orientation and marketing performance. Likewise, market orientation has a positive influence on performance. The implication of this research is that entrepreneurs can improve their innovation capabilities to improve the SME performance. This study recommends that government policies should encourage innovation in SMEs and encourage SME managers to pay more attention and manage innovations to improve their operational performance.

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The growth of e-commerce market in Indonesia rises rapidly. With the number of internet users reaching 143.26 million people or about 54.68 % of the total population in Indonesia in 2017, it becomes potential mar-ket for the future. Because of these significant numbers of users, it is important to understand factors affect-ing consumers purchase intention in online shopping. The previous study indicated that trust was considered a key factor affecting consumers purchase intention. This study explored the influence of perceived risk and reputation on perceived trust and consumer purchase intention. The empirical result obtained in a sample of 152 users that had previously visited several online vendor websites indicated that online purchase intention was influenced positively by perceived risk and perceived trust, perceived trust was positively influenced by perceived risk and perceived reputation and trust mediated the relationship between perceived risk and per-ceived reputation to purchase intention.