The existence of mobile banking services is currently experiencing rapid growth. Adopting such a large number of users makes mobile banking services one of the main needs to meet the needs of conducting financial transactions. Therefore, there is a need for additional information for mobile banking service developers on the dominant factors influencing user behavioral intentions. This research is present as a forum to provide an overview of the user's perspective on Mestika bank's mobile banking service. This research aims to find out what factors play an important role in behavioral intention to use Mestika bank's mobile banking services based on the UTAUT2 concept. The research instrument used a questionnaire distributed online to 240 respondents in Medan City and Pematangsiantar City, Indonesia. Next, the researcher tested the hypothesis using Structural Equation Modeling (SEM) based on a variant called Partial Least Square (PLS) and the SmartPLS version 3.0 application as a tool to analyze it. This research concludes that effort expectancy has the most significant influence and plays a very important role in shaping the behavioral intention of using Mestika bank's mobile banking. Then performance expectancy and social influence hedonic motivation also significantly influence behavioral intentions to use Mestika bank's mobile banking. Furthermore, the results of this study also conclude that facilitating conditions and habit have no significant effect on behavioral intentions to use Mestika bank's mobile banking.

Ulos is one of the handicrafts which is one of the typical Indonesian clothing and has been developed from generation to generation by the Batak people, North Sumatra. The existence of Ulos handicraft products in the modern consumer market today cannot be separated from the efforts of Ulos artisans and Ulos marketers. This research is here to provide more profound knowledge related to aspects of the marketing mix (4P) which consists of elements of product, price, place and promotion on purchasing decisions of ulos handicraft products. The sample in this study amounted to 140 respondents who were determined by a convenience sampling approach. Data collection using a questionnaire instrument which is then distributed online. Data analysis using the SPSS application by displaying data processing results through research instrument tests with validity and reliability tests, multiple regression analysis, coefficient of determination, and hypothesis testing. Based on the results of data analysis, it is concluded that the marketing mix aspects of product, place and promotion have a significant influence on purchasing decisions. Then, the element of the marketing mix viewed from the part of price does not significantly affect purchasing decisions. With the presence of this research, it is hoped that it can provide additional information for Ulos artisans and Ulos business actors in developing a marketing mix with the marketing mix concept to make it more optimal. Keywords: Purchase Decision; Ulos Products; Marketing Mix

This research aims to see how past experiences influence the intention to return to Karimunjawa when the New Normal Policy is enacted. Coronavirus (Covid-19) Pandemic has indeed had an impact on all sectors in Indonesia. One of the most affected is the tourism sector because of the prohibition on gathering and reducing physical contact with other people. Indonesia is undergoing a new normal and tourism has started to carry out activities. Green tourism is one of the tours offered in Karimunjawa Island which is visited by many domestic and foreign tourists. Tourists will be made gradually even though the Karimunjawa tourist spot is opened. The closure of tourist visits to Karimunjawa is indeed very impactful for people who depend on the tourism sector for their livelihoods. Such as travel agencies, homestays and those related directly and indirectly to Karimunjawa tourism activities. The amount of Tourist Experience, Destination Image and Perceived Value for the exogenous latent variable revisit intention is shown by the value of R square (R2), the value of R square is 0.86 indicating the contribution / influence of tourist experience, destination image and perceived value on revisit intention of 86.0%, the rest amounting to 14.0% influenced by other factors.

The arrival of technology made a huge jump in all industries, including in the Food & Beverage sector. Food is a primary need for human existence to be fullfilled. Therefore, the growth in this sector is always rising because of the new touch that often leads to innovation especially in kinds of variety of food. Portobello is a local restaurant that offers western foods with pasta and pizza specialty and also local foods located in Semarang Indonesia. Based on the sales report, from 2015 until 2019 the company was facing fluctuated sales. From the researcher perspective, product quality and e-WOM could be the cause of the fluctuated sales. This study aims to determine the influence of product quality and e-WOM on purchase decision of Portobello, Sumurboto consumer. The type of research is explanatory research and using non-probability sampling techniques, purposive sampling and accidental sampling. The samples used for this research are 100 respondents that just visited the restaurant. This research uses statistic system SPSS version 20 and qualitative and quantitative analysis with validity, reliability, correlation coefficients, coefficient of determination, simple and multiple regression, the significance of t-test and F test.Keywords: Product Quality; E-WOM; Purchase Decisions Abstrak: Kehadiran teknologi membuat lompatan yang besar dalam semua industri, termasuk salah satunya di bidang Food & Beverage. Makanan adalah kebutuhan primer manusia yang harus dipenuhi. Maka itu, perkembangan di sektor ini terus meningkat karena ragamnya inovasi produk makanan yang selalu dilakukan oleh pelaku bisnis. Portobello adalah restoran lokal yang menawarkan menu western seperti pasta, pizza dan lainnya serta makanan lokal yang berlokasi di Semarang, Indonesia. Berdasarkan data penjualan yang didapat, dari tahun 2015 sampai 2019 Portobello mengalami pendapatan yang fluktuatif. Maka dari itu, kualitas produk dan e-wom dapat diduga menjadi faktor penyebab fluktuasi tersebut.Penelitian ini bertujuan untuk mengetahui pengaruh kualitas produk dan e-wom terhadap keputusan pembelian pada konsumen Portobello, Sumurboto. Tipe penelitian adalah eksplanatory research dan pengambilan sampel menggunakan teknik non probability sampling, purposive sampling dan accidental sampling. Pengumpulan data menggunakan kuesioner dan google form. Sampel yang digunakan sebanyak 100 responden konsumen Portobello, Sumurboto Kota Semarang. Penelitian ini menggunakan sistem statistik SPSS versi 20 dan menggunakan analisis kuantitatif dengan uji validitas, reliabilitas, koefisien korelasi, koefisien determinasi, regresi sederhana dan berganda, signifikansi uji t dan uji F.Kata Kunci: Kualitas Produk; E-WOM; Keputusan Pembelian

Traveling is a secondary need to create happiness as a life support after fulfilling primary needs. The development of the times is also another factor in considering advances in technology and transportation that make it easier to move places and also spread information quickly. This study aims to determine the effect of destination image, tourism products and electronic word of mouth on visiting decisions, and the indirect effect of eWOM as a mediation. The results showed that the destination image had an effect and was significant on the visiting decision, the tourism product had an effect on the visiting decision, the destination image had an effect and was significant on eWOM, the tourism product had an effect on and was significant on eWOM and eWOM had a significant effect on the visiting decision. eWOM as an intervening variable has an indirect effect on the destination image on the visiting decision. And eWOM has an indirect effect on the tourism product variable on the visiting decision. This research is assisted by the SmartPLS application in calculating the primary data being tested. Berwisata menjadi kebutuhan sekunder untuk menciptakan kebahagiaan sebegai penunjang hidup setelah pemenuhan kebutuhan primer. Perkembangan zaman juga menjadi faktor lain dalam berwisata mengingat kemajuan teknologi dan transportasi yang mendukung kemudahan pariwisata dalam berpindah tempat dan juga penyebaran  informasi dengan cepat. Penelitian ini bertujuan untuk mengetahui pengaruh citra destinasi, produk wisata dan electronic word of mouth terhadap keputusan berkunjung, dan pengaruh tidak langsung eWOM sebagai mediasi. Hasil penelitian menunjukkan bahwa citra destinasi berpengaruh dan signifikan terhadap keputusan berkunjung, produk wisata mempunyai pengaruh terhadap keputusan berkunjung, citra destinasi mempunyai pengaruh dan signifikan terhadap eWOM, produk wisata berpengaruh dan signfikan terhadap eWOM dan eWOM berpengaruh serta signifikan terhadap keputusan berkunjung. eWOM sebagai variabel intervening mempunyai pengaruh tidak langsung pada citra destinasi terhadap keputusan berkunjung. Dan eWOM mempunyai pengaruh tidak langsung pada variabel produk wisata terhadap keputusan berkunjung. Penelitian ini dibantu dengan aplikasi SmartPLS dalam menghitung data primer yang diujikan.