This study examines the effect of perceived risk and benefits on Financial Technology (FinTech) continuance intention among Generation Z in Indonesia. Additionally, the different effects of gender as one of the demographic factors were as well analyzed. The sample of 248 respondents was involved with a focus specifically on Generation Z in Indonesia, aiming an effects analysis between variables and moderating role of gender in consumer continuance intention to use FinTech. Multiple regression analysis was used to examine the hypothesis using SPSS and SPSS Process Software. The finding confirmed that perceived benefit has played a substantial role in improving the continuance intention of consumers to use FinTech. On the contrary, perceived risk gives no significant effect on FinTech continuance intention among Generation Z. This study also revealed that gender moderation was found in perceived risk instead of perceived benefit on FinTech continuance intention. This study provides a useful overview regarding FinTech to develop an effective strategy in targeting Generation Z consumers and attempts to deliver an insight on whether the constant use of FinTech is affected by consumers' perceived risk or benefit.

The significant increase in interest and demand for modest fashion markets provide new opportunities for fashion business people. Nowadays, there are more world's and community's mainstream fashion brands starting to showcase the modest fashion in their collections. Viewing the phenomenon of Indonesian modest fashion development, the government is increasingly and aggressively launching Indonesia as the modest fashion barometer at the Asian level in 2018 and at the world level in 2020. There has not been research examining the modest business process of fashion. So far, the research of modest fashion tends to be related to marketing, culture or religion. The renewal of this research is to associate the modest fashion SMEs having a unique characteristic with the variable opportunity recognition, business model innovation, and business performance. The results of this study present that opportunity recognition has a significant effect on business model innovation and business performance.

This research attempt to analyze risk and benefit factors as well as their influence on sustainability intention of FinTech. We elucidate the Planned Behavior Theory by including the perceived benefits and perceived risk variables to investigate its effect on intention to continue using FinTech. We also examined whether or not men and women are affected differently by the benefits and risk they perceive when using FinTech. Data were collected through online surveys, then being analyzed using GSCA. The results reveal perceived benefits are affected significantly by the convenience aspect and deliver a significant effect on FinTech continuance intention. The risk perceived by FinTech users is affected the most by legal risk. This study proves that gender is able to moderate the perceived risk influence on the intention to continue using FinTech, especially in the female user group.

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