In the recent years, electronic commerce (e-commerce) in Indonesia has growing rapidly. E-commerce became an opportunity for company to increase their selling. Electronic payment (e-payment) was developed to facilitate e-commerce transactions beetwen consumer and seller. In this study, we will investigate consumer's intention to use e-payment. The proposed research model was developed by extending the unified theory of acceptance and use of technology (UTAUT) with culture and perceived security into the model, in order to determine the significance factors that influence acceptance of e-payment technology. Through this model, researchers can have a more accurate explanation of the consumer behavior not only in terms of acceptance of the technology, but other factors considered influential on consumers such as culture and perceived security in the origin country. This model will be used to examine consumer's behaviour in Indonesia

Traditional learning approaches in teaching English assume that learners have same background, ability, and requirements. In this study, we propose an adaptive learning systems-knowledge level (ALS-KL) is a learning system that can personalize materials due to proficiency level of English language learners. A pre-test is given to measure the proficiency level of learners. The level is divided into elementary, intermediate and advanced. The ALS-KL provides the most suitable materials according to the needs of the learners. We applied the proposed system on 90 learners with different English proficiency level. The effectiveness of the system was evaluated using post-test. The results of the post-test showed that the proposed system was able to improve learners with intermediate-level and advanced level 1.5 times and 4 times respectively while reducing the number of learners with elementary-level by more than 50%. These indicate the effectiveness of the proposed system.

Trust of using automated teller machine (ATM) is a daunting task for many Indonesians, where the security issues associated with it, still haunting them. The paper examines the collaborative issues related to the ATM security such as: perceived usefulness and ease of use, perceived security, trust, intention to use and actual system use, by using revised technical acceptance model (TAM) according to the banking purposes. The study takes customer samples of major leading banks in Indonesia and expected to present the current situation faced by many Indonesians when dealing with the ATM security. The outcome will be valuable inputs for the policy makers of the banks to establish further strategy to cope with integrated security issues related to ATM use.

The adoption of e-learning in developing countries like Indonesian Universities have been focused in urban areas like the big cities, especially in Java island. There is a lack of development of e-learning in a remote city like Kupang East Nusa Tenggara Indonesia which is located far away from the capital city. This research aims to assess the effectiveness of e-learning by analyzing three factors in one of the higher institution in Kupang city, i.e. Sekolah Tinggi Kesehatan Citra Mandiri Husada Kupang (STIKes CHMK). The factors include culture, technology and infrastructure, and content satisfaction. The data were collected using questionnaires. Research shows that with proper preparation for e-learning, the acceptance of e-learning in rural areas is significantly high. This finding suggests that e-learning can greatly benefit the students like Kupang city in developing countries.

With the emergence of e-Learning, governments provide opportunities for online learning, whether formal or informal. However, most of e-learning systems in Indonesia have been used at formal education environments, today. Therefore, this study proposes an E-Learning model to support non-formal education in Indonesia. This model is called as E-learning for the Equivalency Education Program (E-LEEP) model. The E-LEEP consists of three components: User, Education Program, and Monitoring. The user will be students and tutor. The education program includes Package A, Package B, and Package C for elementary school, junior high school, and senior high school respectively. The monitoring will be used by institution and stakeholders. Each component will support the needs of students programs in e-Learning environment, in order to achieve the goal learning.