Financial planning of individuals started a trend in Indonesia in recent years. This paper will attempt to design an individual financial planning. Object of this project include individual financial planning and financial management, investment planning, financial planning elements, prepare an emergency fund and retirement funds, education costs and achieve other financial goals. Of this paper is expected to increase the knowledge of individuals in managing finances and choosing the right media investments and achieve their financial goals.

Information technology is useful to automate business process involving considerable data transaction in the daily basis. Currently, companies have to tackle large data transaction which is difficult to be handled manually. It is very difficult for a person to manually extract useful information from a large data set despite of the fact that the information may be useful in decision-making process. This article studied and explored the implementation of business intelligence in banking, retail, and educational industries. The article begins with the exposition of business intelligence role in the industries; is followed by an illustration of business intelligence in the industries and finalized with the implication of business intelligence implementation.

Digital transformation is changing how an organization uses technology, enterprise, processes, and people to improve performance and adopt a new business model. Digital transformation drives value through shared industry information and insights. However, several limitations, such as differences in culture and perspective between owners and management, impede the implementation of this digitalization. Harmonization is needed to keep the changes from getting out of hand because the digitization process is affected not only by sales, marketing, and finance processes but also by the culture of digitization. This study investigates the impact of digital organizational culture, digital capabilities, digital technology, and digital transformation strategy on the performance of family businesses. The research design is a quantitative study with structural equation modeling. The population in this study cannot be determined due to limited access to the association. The sample size was calculated using the G-Power calculator with an effect size of 0.15, an alpha level of 0.05, and a power of 0.80. According to the calculation, there are 43 respondents in the study. The sampling technique is convenient sampling. The survey was distributed online using questionnaires sent via email. The data analysis software is Smart PLS 4.0.8.5. The result shows that the organization's culture plays a big part in improving performance. The organization's culture strongly affects business digitization and technology value development. The value of developed technology affects business performance. Therefore, the top management needs to prioritize the IT development that transforms their business and improves business performance

The rapid rise in cryptocurrency presents both opportunities and challenges for retail investors due to its volatility and technological complexity. Research on investment decisions has primarily focused on behavioural finance, often overlooking how learning and literacy shape investor actions. This study addresses this gap by examining how herding behaviour, financial literacy, and digital literacy impact cryptocurrency investment decisions. Grounded in Social Learning Theory and supported by UTAUT to operationalise digital literacy, this study examines how herding behaviour, financial literacy, and digital literacy shape cryptocurrency investment decisions. We analyse survey data from 138 Indonesian retail investors through PLS-SEM. Key findings show that financial literacy (β = 0.443, t = 5.041) and digital literacy (β = 0.495, t = 4.246) are primary determinants of investment decisions, while herding behaviour (β = 0.016, t = 0.628) does not directly influence them but does so indirectly by enhancing investor literacy. This demonstrates that social observation and learning can convert herd-driven impulses into rational choices when mediated by literacy. By extending Social Learning Theory into digital investment contexts, this study provides insights for investors and policymakers seeking to enhance financial and digital literacy.