The Covid-19 pandemic had changed the business model in various industries. Companies have switched to digital business processes in order to survive in this challenging situation. Financial Technology (Fintech), especially digital payment services, has become the most preferred solution for handling financial transactions in conditions of limited mobility and interaction. The phenomenal emergence of Fintech has captured the attention of the world and the Asian region, including Malaysia and Indonesia. Despite various benefits offered by Fintech, the adoption rate is still relatively low, especially for IT-savvy groups of fresh graduates in both countries. This comparative study aims to analyze the adoption of Fintech payment services in Malaysia and Indonesia using the UTAUT theory approach. The research measures the relationships between performance expectancy, effort expectancy, social influence, consumers’ trust, and national culture with the adoption of Fintech. Each indicator of national culture, such as individualism, power distance, uncertainty avoidance, masculinity and long-term orientation, was measured to see its relationship with the adoption rate. The quantitative method was employed, and the data were collected via an online survey of a total of 486 respondents. Using multivariate regression analysis, 57.9 % behavioral adoption of Fintech payment services both in Malaysia and Indonesia was explained through performance expectancy, effort expectancy, social influence, customer trust and national culture. The study revealed that performance expectancy and the cultural factor individualism had the highest effect on the decision to adopt digital payment services. This study contributes to the Fintech ecosystem in both countries by providing some recommendations to Fintech providers, financial institutions, and governments in policy making. It is also expected that the research will support the government’s goal to become a cashless society as a strategy to increase financial inclusion.

Purpose: Since the SMEs were the key players in these current digital businesses in Indonesia, the purpose of this study is to analyse the benefit in adopting the e-fulfillment services by considering the variable of technology acceptance model that was related with trust. Design/Methodology/Approach: This research was used three exogenous variables, namely: perceived usefulness, perceived ease of use and perceived security and risks-free. In addition, the research considered the adoption in new e-fulfillment services platform as endogenous variable with trust as intervening variable. The data collected from the SME’s who are located in the Jakarta and its surrounding areas and further analyzed statistically using Structural Equation Model approach. Findings: The key finding of this research was trust played a significant role in influencing the customer adoption of the e-fulfillment platform. The research also showed that perceived ease of used was the main factor in creating customer trust. The maximum usage of e-fulfillment services allowed the SME’s to focus more the product development and marketing activities. Research, Practical & Social Implications: SME’s would enjoy strong business competitive positioning if they were able in adopting the e-fulfillment services. Originality/Value: Since the concept of e-fulfillment services were quite new in Indonesia, the study recommends the needs to increase the awareness and knowledge to SME’s by ensuring the benefit of this new platform.

Adapting retention strategies is essential to balancing Generation Z’s unique work values and preferences so that organizations can reduce turnover, enhance loyalty, and thrive in hybrid work environments. Therefore, this study aimed to investigate the role of transformational leadership, work-life balance, and employee engagement in Generation Z’s organizational work commitment. Using a cross-sectional quantitative method, the investigation adopted purposive sampling and partial least square structural equation modeling (PLS-SEM). The quantitative data were collected through an online survey of 130 Jakarta Generation Z employees of creative industry firms. In addition, the qualitative validation interview was conducted to support the quantitative data analysis, including group heads of employees from the creative agencies. The results showed that transformational leadership significantly impacted employee engagement and affective organizational commitment. The work-life balance had only significant relationships with employee engagement without affecting organizational commitment. Employee engagement fully mediated the relationship between work-life balance and affective organizational commitment. Generation Z employees considered engagement a critical factor affecting commitment to exert a more substantial influence than transformational leadership and work-life balance. The results emphasized the need for organizations to focus on enhancing employee engagement to improve commitment among Generation Z employees in the hybrid work environment. AcknowledgmentAuthors acknowledge with gratitude the financial, moral, and academic support extended by Universitas Multimedia Nusantara [Multimedia Nusantara University]. The institution’s commitment to excellence continues to motivate us in our endeavors.

As technology and digital applications increase in volume and complexity, organization is facing greater security risks in cyberspace more than ever before. However, organizational cybersecurity requires more than just the latest technology. All the technology available to secure systems will not keep an organization secure if the people in the organization make bad or unexpected decisions that open up the system to attackers. To secure an organization, all employees of the organization must act positively to reduce company risks from cyberattacks. All leaders have a main responsibility to understand and align with the entire organization with cybersecurity objectives. Leaders need to keep continue to invest in security technologies and also need practical solutions for dealing with the human error of cybersecurity. The conceptual paper presented in this paper describes cybersecurity culture, external influencing factors, and organizational mechanisms, the elements that contribute to each employee of the organization that having protection behaviour from cyberattacks.