The purpose of this study is to compare peer-to-peer (P2P) lending in Singapore and Indonesia in the type of platform, consumer behavior and the regulation of implementation of borrowing and investment. This study uses a qualitative approach because the method used is interpretive that allows a lot of data in reviewing the problems. The result of the research stated that P2P lending platform between Singapore and Indonesia has similarity. There are no significant different things. But the behavior of societies is different, in Indonesia the use P2P more for consumptive things because the community is no habit to save, while in Singapore, P2P for making an important, yet time-sensitive and urgent purchase. The government rules in Singapore have been already conducive, supported by the transactions of Fintech are more transparent. While in Indonesia, there is still confused about Fintech’s perception; some claim the permission from the Minister of Finance, whereas the truth is through the Financial Services Authority or OJK. P2P lending in Indonesia still needs the revamping of the Fintech actors, especially in the legality. Indonesia becomes an attractive market for Singapore’s Fintech because of the population.

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The purpose of this study is to determine the meaning of coffee for Barista in specialty coffee shop. The concept used in this study is the concept of self-image or an individual image. The concept of self-image also explains the feelings and thoughts of individuals. The research method used is qualitative method with a phenomenological approach. Whereas data collection is done by conducting observations, interviews and literature studies. The results of this study show that the meaning of coffee for Barista in specialty coffee shop is the deeper their understanding of knowledge about coffee, the stronger the meaning conveyed to their customers and also to increase the sense of self respect as Barista. Besides that, the interaction built between the Barista and the customers can also strengthen the characteristic of the coffee shops, which is to be the specialty coffee shop in the third wave era.

Due to the fierce competition in banking for raising funds, banks have been obliged to develop marketing strategies to attract new consumers, particularly millennial. The marketing communication strategy that is often applied by banks is the loyalty program that is informed through social media. One of the banks in Indonesia with a loyalty program is the Bank Tabungan Negara (Bank BTN) or State Savings Bank whose a more prominent brand image of credit products than savings. This study investigated the effect of Social-Media Marketing Efforts, Brand Awareness, and Brand Image on Millennial Customer Response. This study employed a qualitative method by distributing questionnaires to 400 respondents. The results revealed that Millennial Customer Response was influenced by Social-Media Marketing Effort, Brand Awareness, and Brand Image. To conclude, Social-Media Marketing Efforts, Brand Image, and Brand Awareness of Conventional Banks in Indonesia affect Millennial Customer Response.

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