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  • A Multi-Group Structural Analysis of Digital Banking Adoption Determinants Across Generational Cohorts in Indonesia

    Authors: Dhimas Tribuana, Umi Narimawati, Yani Syafei M. 

    DOI: 10.34306/att.v8i1.590

    Abstract

    This study investigates factors affecting Digital Banking Adoption (DBA) across generations in Indonesia, focusing on performance expectancy, effort expectancy, social influence, facilitating conditions, and trust. Employing a cross-sectional design, the study collected data through a structured questionnaire administered to 360 respondents, selected through purposive and clustering sampling, from major cities including Jakarta, Bandung, Surabaya, and others. Structural Equation Modelling (SEM) and Multi-Group Analysis were applied to test hypotheses and assess generational differences in DBA. Findings reveal that performance expectancy, facilitating conditions, and trust significantly influence DBA, with notable differences across generations: Baby Boomers prioritize facilitating conditions, Generation X emphasizes performance expectancy, and Generation Y values both performance and effort expectancy. Generation Z, despite being tech-savvy, benefits from enhanced support structures for improved banking experiences. These results highlight the importance of tailored, generation-specific strategies in digital banking, providing valuable insights for service providers aiming to enhance user experience and adoption across demographic groups. © 2026, Pandawan Sejahtera. All rights reserved.

    Author keywords

    Baby Boomers; DBA; Generation Z; Generational Differences; UTAUT

    This article can be accessed at https://www.scopus.com/pages/publications/105028338373

  • Now Open!

    Now Open!

    Bachelor’s Degree (S1) in Digital Business at UNIKOM is now open to meet the demands of the digital transformation era.

    Powered by the Campus AI Ready ecosystem, the UNIKOM X Google Learning Center, and the Digital Entrepreneurial University initiative, UNIKOM is committed to preparing a new generation ready to face the ever-evolving business world.

    Be part of the first generation of UNIKOM’s Bachelor’s Degree in Digital Business.

    Registration Period: 11 July – 21 August 2026

    🌐 Apply now at: pmb.unikom.ac.id

    For more information:
    WhatsApp:
    +62 811 8888 4133 (Hotline 1)
    +62 811 8888 4233 (Hotline 2)
    Instagram:
    @unikom_official & @pmbunikom

    UNIKOM #PMBUNIKOM #DigitalBusiness #CampusAIReady #DigitalEntrepreneurialUniversity

  • Development of E-Commerce Technology in World of Online Business

    Development of E-Commerce Technology in World of Online Business

    Authors: Soegoto E.S. ; Christiani A. ; Oktafiani D.

    DOI: 10.1088/1757-899X/407/1/012031

    Abstract

    The purpose of this research is to identify the development of e-commerce technology in the business world, and the benefits of the application of e-commerce in the online business. The method used in this research was the descriptive method, to present a complete overview of the situation related to some variable situations exaMined. The result of this research was to identify how far the development of e-commerce technology in the world of online business, as well as the benefits provided by the application of e-commerce in the world of online business. The research was done by discussing the payment transaction system, sales, and reservations made by the business by using e-commerce technology. © Published under licence by IOP Publishing Ltd.

    Indexed keywords

    Engineering controlled terms

    Condensed matter physics; Engineering; Industrial engineering; Materials science

    Engineering uncontrolled terms

    Online business; Payment transactions

    Engineering main heading

    Electronic commerce

    This article can be accessed at: https://www.scopus.com/pages/publications/85054840232

  • Seasonal Time Series Forecasting using SARIMA and Holt Winter’s Exponential Smoothing

    Seasonal Time Series Forecasting using SARIMA and Holt Winter’s Exponential Smoothing

    Authors: Pongdatu G.A.N. ; Putra Y.H.

    DOI: 10.1088/1757-899X/407/1/012153

    Abstract

    The purpose of this study is to compare SARIMA and Holt-Winter’s Exponential Smoothing methods in an attempt to generate customer transaction forecasting in Store X with high accuracy.This study will compare the results of sales forecasting with time series forecasting model of Seasonal Autoregressive Integrated Moving Average (SARIMA) and Holt Winter’s Exponential Smoothing method. SARIMA model still accurate when the time series data is only in a short period, this model is accurate on short period forecasting but less accurate on long period forecasting. Meanwhile Holt Winter’s Exponential Smoothing accurate on forecasting seasonal time series data, either it’s pattern shows trend or not. Both models are compared with forecasting data showing seasonal patterns. The data used is the data of clothing retail store sales from 2013 to 2017. Accuracy level of each model is measured by comparing the percentage of forecasting value with the actual value. This value is called Mean Absolute Deviation (MAD). Based on the comparison result, the best model with the smallest MAD value is SARIMA model (1,1,0) (0,1,0)12 with MAD value 5.592. From the comparison results can be concluded that the SARIMA model is feasible to be used as a model for further forecasting. © Published under licence by IOP Publishing Ltd.

    Indexed keywords

    Engineering controlled terms

    Retail stores; Sales; Time series

    Engineering uncontrolled terms

    Comparison result; Mean absolute deviations; Sales forecasting; Seasonal autoregressive integrated moving averages; Seasonal patterns; Seasonal time series; Time series forecasting models; Time-series data

    Engineering main heading

    Forecasting

    This article can be accessed at: https://www.scopus.com/pages/publications/85054834368

  • Forecasting Rainfall with Time Series Model

    Forecasting Rainfall with Time Series Model

    Author: Sidiq M.

    DOI: 10.1088/1757-899X/407/1/012154

    Abstract

    The aim of the study was to forecast Rainfall with Time Series Model. Monthly rainfall of 48 data got from Badan Meteorologi dan Geofisika (BMG) Bandung from January 2011 to December 2013 are processed by a computer program to look at the pattern in Minitab model ARIMA. This modelling stage begins from the stationarity test data, identify models, parameter estimation, and model verification, to forecasting. Precipitation data is data that is not stationary so that distinguish first. The data obtained from the model results this first distinction is ARIMA (1, 1, 1) with the MAD 82.712 test of the significance of the parameters of the model. © Published under licence by IOP Publishing Ltd.

    Indexed keywords

    Engineering controlled terms

    Forecasting; Time series

    Engineering uncontrolled terms

    MINITAB; Model results; Model verification; Monthly rainfalls; Precipitation data; Stationarity; Test data; Time series modeling

    Engineering main heading

    Rain

    This article can be accessed at: https://www.scopus.com/pages/publications/85054849122

  • Smart School for Senior High School

    Smart School for Senior High School

    Authors: Soegoto E.S. ; Yunus I.P. ; Valentina T.

    DOI: 10.1088/1757-899X/407/1/012003

    Abstract

    Indonesia is a developing country that has used many benefits from various technology to develop various factors of such countries like an economy, education, tourism and others. In this era of information technology is the most doMinant sector for society, manual activities in the past have changed with the utilization of information technology both communication, economy, and education. The education world is the beginning of learning for the children nation to advance their homeland. Every school in Indonesia must have been utilizing school based on digital technology that we can adjust to technological developments, it can make Indonesia become a developed country and can compete with other developed countries. Therefore the utilization of information technology is very important to form a creative personality and generate ideas with use technology. The wider insight of technology, more creative ideas are generated. This can give birth to younger smart generation to advanced Indonesia. © Published under licence by IOP Publishing Ltd.

    Indexed keywords

    Engineering controlled terms

    Developing countries

    Engineering uncontrolled terms

    Creative ideas; Developed countries; Digital technologies; High school; Indonesia; Smart schools; Technological development; Various technologies

    Engineering main heading

    Engineering education

    This article can be accessed at: https://www.scopus.com/pages/publications/85054832976

  • Information Technology Advertisement for Online Shop

    Information Technology Advertisement for Online Shop

    Authors: Effendi D. ; Januar A.R.R.

    DOI: 10.1088/1757-899X/662/3/032012

    Abstract

    This study aims to further optimizing online shop businesses by using Qualitative method in the research which resulted in more in-depth understanding in online business. With the rapid development of technology today, most young entrepreneurs online shop businesses are still using web media and not many people know. To expand an article and increase consumers, the online shop young entrepreneurs are looking for ABC social media applications. Where the target is a celebrity, because the program is more widely known to the youth to look for items to be searched for and which are discussed, liked or even used by most people at that time. Instagram is an application that includes a lot of interest with its users. A few people who have a lot of followers or followers are called celebgram. From these services they benefit by promoting an online shop so as to facilitate the online shop to get consumers, and can make it easier for consumers to find an item they want to look for. By just having a contact person and holding an Instagram account, everything can certainly make the celebrities find it difficult to handle it, plus the number of online shops who want to work together. Therefore, young entrepreneurs expand a product article as a business opportunity with media endorse which aims to facilitate entrepreneurs promoting online shop business to celebrities who want to use their services. © Published under licence by IOP Publishing Ltd.

    This article can be accessed at https://www.scopus.com/pages/publications/85075858744

  • Designing Authorization Procedures for Multi-channel and Public Participation-Based System Architecture for Civil Registration and Population Data

    Designing Authorization Procedures for Multi-channel and Public Participation-Based System Architecture for Civil Registration and Population Data

    DOI: 10.1088/1757-899X/662/4/042017

    Setiawan A. ; Kerlooza Y.Y.

    Abstract

    This paper aims to propose authorization scenarios for updating population data systems that involve public participation through several different telecommunications channels, called Multi-Channel and Public Participation (MPP)-Based Population Administration System. This paper reveals a number of important technical aspects that arise and must be considered in the authorization scenario. This paper also discusses broadly the authorization techniques that have been used separately in many previous cases. Conformity methods between behaviour of important technical aspects of MPP-Based Population Administration System and authentication methods that are commonly used in system implementations is the base for supporting the implementation of authorization scenarios. The proposed authorization scenario is to utilize a combination of Claim-Based and Multi-Factor authentication techniques because it has a match between important aspects and technical authentication. The combination of authentication techniques in the authorization procedure is able to verify and validate and determine the role of those who wish to collaborate in the service process. © 2019 IOP Publishing Ltd. All rights reserved.

    Indexed keywords

    Engineering controlled terms

    Population statistics; Public administration; Regional planning

    Engineering uncontrolled terms

    Administration system; Authentication methods; Authentication techniques; Authorization procedure; Multi-factor authentication; Public participation; System architectures; System implementation

    Engineering main heading

    Authentication

  • Unikom International Relations Students To Represent Indonesia At The 2026 International Green Youth Leaders Summit, Promoting An Ai-Based Curriculum To Support Sustainable Education

    Unikom International Relations Students To Represent Indonesia At The 2026 International Green Youth Leaders Summit, Promoting An Ai-Based Curriculum To Support Sustainable Education

    BANDUNG, UNIKOM – Students from the Universitas Komputer Indonesia (UNIKOM) have once again achieved a proud accomplishment on the international stage. Febby Cipta, a 4th-semester student in the International Relations program at UNIKOM’s Faculty of Social and Political Sciences (FISIP), has been selected to represent Indonesia as a delegate at the International Green Youth Leaders Summit (IGYLS) on July 8–9, 2026, held at Nusantara V Building, Parliament Complex, Senayan, Jakarta, and at the Green Open Space & Bale Panjang, Museum Indonesia, Taman Mini Indonesia Indah (TMII).

    This international forum, organized by the Green Democracy Institute under the guidance of Dr. (H.C.) Sultan Bachtiar Najamudin, Chair of the Regional Representatives Council of the Republic of Indonesia (DPD RI), brought together 143 young delegates from various countries, including Indonesia, Taiwan, Madagascar, Timor-Leste, The Gambia, China, Japan, Kenya, Malawi, Tanzania, Thailand, and Zimbabwe. The event served as a collaborative space for the world’s youth to formulate innovative solutions in support of the sustainable development agenda through leadership, innovation, and cross-border cooperation.

    At the forum, Febby attended not only as a member of the Indonesian delegation but also as a DPD RI envoy entrusted with the role of Chair of the National Advocacy Division. During the event, she presented a proposal titled “Artificial Intelligence (AI)-Based Curriculum: Utilizing Artificial Intelligence to Design Adaptive Learning Modules to Address Learning Loss for Students in Frontier, Outermost, and Underdeveloped Regions.” This concept highlights the use of Artificial Intelligence (AI) technology in designing adaptive learning curricula to address learning loss, particularly for students in frontier, outermost, and underdeveloped regions (3T). Through this approach, AI is expected to deliver a more personalized, inclusive, and equitable learning system, thereby improving the quality of education while supporting the achievement of Sustainable Development Goal (SDG) 4: Quality Education.

    For Febby, this innovation aligns with the advocacy movement she has been spearheading through #CiptakanSustainability a movement focused on improving human capital through quality and sustainable education. “Education is the cornerstone of sustainable development. Artificial Intelligence should not only be viewed as a technological innovation but also as a tool to expand access to quality education, especially for communities that have long faced limitations. Through #CiptakanSustainability, I want to demonstrate that sustainability begins with investing in human capital,” said Febby Cipta.

    In addition to presenting her ideas, Febby also had the opportunity to discuss and exchange views with a number of national and international figures concerned with environmental issues, education, and sustainable development. Among them were Dr. (H.C.) Sultan Bachtiar Najamudin, Chair of the Regional Representatives Council (DPD) of the Republic of Indonesia; Mohammad Jumhur Hidayat, Minister of the Environment of the Republic of Indonesia; Prof. Dr. Ir. Rachmat Pambudy, Minister of National Development Planning/Head of Bappenas; Dr. Joko Tri Haryanto, President Director of the Environmental Fund Management Agency (BPDLH); Maki Katsuno Hayashikawa, UNESCO Representative to Indonesia; Barlev Nico Marheine, Program Management Officer at UNEP; Nico Barito, Special Envoy of the President of the Seychelles to ASEAN; Jerhemy Owen, an environmental influencer; Victoria Kosasih, Puteri Indonesia Lingkungan and Miss International Indonesia 2026; and Nadla Sofia Habibie, Executive Director of the Habibie & Ainun Foundation.

    Through this series of discussions, the delegates were encouraged to understand the importance of cross-sectoral collaboration in addressing various global challenges. Synergy among the government, academia, international organizations, the business community, and the younger generation is considered key to achieving sustainable development that benefits society.

    Febby’s participation in the 2026 International Green Youth Leaders Summit serves as tangible evidence of UNIKOM students’ contributions to international forums through youth diplomacy and the development of innovative, technology-based solutions to address various global challenges and it can motivate other UNIKOM students to achieve success both nationally and internationally. This achievement also reflects UNIKOM’s commitment as a Digital Entrepreneurial University to fostering a young generation that is globally competitive, adaptable to technological advancements, and capable of delivering innovations that benefit society.

    More than just participating in an international forum, this experience serves as a strategic step for Febby to expand her global collaboration network while strengthening her commitment to advancing the #CiptakanSustainability movement. Through this movement, she hopes that more young people will become actively involved in driving educational transformation, the responsible use of technology, and accelerating the achievement of the 2030 Sustainable Development Goals (SDGs), starting from Indonesia and extending to the global level. (Directorate of Hms & Pro)