In the current digital age, financial development has seen substantial shifts, particularly in buying and selling activities that are now facilitated by digital technology or electronic transactions (e-commerce), which offer convenience at relatively low costs. However, micro, small, and medium enterprises (MSMEs), which play a crucial role in the economy, must adapt to these advancements to sustain and grow their businesses. Despite the widespread adoption of e-commerce, many MSMEs have yet to fully capitalize on this technology. Limited knowledge often leads to hesitation in embracing e-commerce opportunities. Consequently, this study seeks to explore how innovation, information management, and e-commerce adoption impact MSME performance and its implications for business sustainability. The research targets MSME owners and managers in the Jabodetabek area (Jakarta, Bogor, Depok, Tangerang, and Bekasi) and nearby regions, with a sample of 420 individuals selected through random sampling. Data was collected through an online survey (Google Forms) administered to MSME management. The survey items were tested for validity and reliability, and the data analysis was conducted using various regression analyses with SEM-PLS and Smart-PLS3. The study’s findings highlight the following key points: 1) E-commerce adoption significantly enhances information management, which supports MSME sustainability; 2) E-commerce adoption also improves performance through better information management, further promoting MSME sustainability; 3) While technology is important, e-commerce adoption is the primary factor driving MSME sustainability, with technology serving as a secondary factor.

This study investigates how digital transformation influences visitor satisfaction at 12 World Heritage Sites (WHS) across eight coastal provinces in Eastern and Southern China. Utilizing 402 valid survey responses, it explores the impact of demographic factors—education, age, and income—on visitors’ perceptions of digital services, particularly focusing on usability, quality, and overall experience. The findings reveal that younger, higher-income, and STEM-educated visitors express significantly higher satisfaction with digital services, while older, lower-income visitors report lower levels of engagement and satisfaction. This research highlights the need for tailored digital strategies that cater to diverse demographic groups, ensuring the balance between technological innovation and the preservation of cultural authenticity at heritage sites. The originality of this study lies in its focus on non-Western contexts, particularly China’s rapidly developing coastal regions, which have been largely overlooked in the global discourse on digital tourism. By applying established theoretical frameworks—such as the Technology Acceptance Model (TAM) and Expectation-Confirmation Theory (ECT)—to a non-Western setting, this research fills a crucial gap in the literature. The insights provided offer actionable recommendations for heritage site managers to enhance visitor engagement, adapt digital services to demographic variations, and promote sustainable tourism development.

The rapid advancement of financial technology (Fintech) has revolutionized the way financial transactions are conducted, with E-payment services becoming increasingly integral to daily commerce. This paper examines consumer perceptions and attitudes towards E-payment services offered by Fintech companies, identifying key factors that influence their acceptance and usage. Employing a quantitative approach, the research integrates quantitative data from surveys and applied SEM (Structural Equation Modelling) through AMOS. Out of 450, 420 respondents have given their views on perceptual preferences and attitudes with the help of SPSS. KMO and Bartlett’s Test are executed to understand and to check the factors for implementing factor analysis further through extractions. Anticipated findings are expected to reveal a spectrum of consumer attitudes shaped by factors such as trust, security, convenience, and technological familiarity. It contributes to the existing literature by providing updated insights into consumer behaviour in the Fintech sector and suggesting actionable strategies for service providers to enhance user engagement and satisfaction. It holds the potential to inform both theoretical frameworks in technology acceptance and practical marketing strategies for Fintech companies aiming to optimize E-payment services for diverse consumer bases.

This study will explore the direct and indirect impacts of collaborative governance innovation on organizational value creation in higher vocational education in China in the context of the digital era. This paper employs a mixed research methodology to construct and validate a model of the relationship between collaborative governance, digital competence, value chain restructuring, and value creation. This study first adopted an exploratory sequential design. In the qualitative interviews, 15 experts from education, business, and other related fields were used as respondents to explore accurate variable factors and determine the value of the research framework. The quantitative research used structural equation analysis to analyze 979 valid online questionnaires. Finally, the rationality of the research results was verified through case studies.  The findings are clear: collaborative governance significantly positively impacts value creation, indirectly affecting organizational value creation through value chain restructuring. Furthermore, digital capabilities significantly contribute to the value chain restructuring process. This paper provides a theoretical basis and practical guidance for higher vocational education organizations to improve their governance and innovation capabilities.

The accessibility of FinTech services is increasing, and their convenience is making them more popular than traditional banks, particularly among Generation Z. The objective of this research is to identify and compare the factors influencing the conscious use of FinTech services among Generation Z members, who are the most active participants in this field of financial technology. The questionnaire based purposive sample consisted of Generation Z students who demonstrated adequate financial literacy and utilized FinTech, and who were learning in a university environment in Hungary and Romania. A sample of 600 respondents was selected for analysis after cleaning the data online. The methodological approach entailed the utilization of covariance-based structural equation modeling (CB-SEM). The results indicate that social influence (β = 0.18), consumer attitude (β = 0.53) and facilitating conditions intention (β = 0.11) all have a significant effect on the behavior intention, explaining 49% of the variance. In the context of performance expectation, the effect of facilitating conditions intention is not significant (p = 0.491). The motivation of Generation Z towards fintech solutions is evident in their preference for speed and ease of use. However, in order to reinforce consumer expectations and transfer the necessary experience and attitudes, it may be beneficial for service providers to adopt a partially different strategy in different countries. Generation Z can thus serve as a crucial reference point for the even more discerning expectations of subsequent generations. The findings may inform the formulation of strategies for fintech service providers to better understand customer behavior.

Tourism is one of the important sectors that support Indonesia’s economic growth. The tourism sector itself plays a strategic role in increasing the country’s foreign exchange. However, during the Covid-19 pandemic, tourism became one of the most affected sectors. Electronic visa on arrival (e-VOA) is a form of digital transformation in immigration services offered by the Indonesian government to increase the number of tourist arrivals during the recovery of the national economy, especially in the tourism sector, after the Covid-19 pandemic. This study provides an in-depth insight into how e-VOA functions as a digital transformation tool in the immigration and tourism sectors. By exploring the impact of e-VOA implementation, this article contributes to the understanding of how digitalisation can improve the efficiency of administrative processes and support the recovery of the tourism sector in post-pandemic Bali. This study uses qualitative approaches and methods with descriptive analysis techniques to create an objective description of a situation through numbers or statistical data. The results of this study show that e-VOA services effectively contribute to an increase in the number of foreign tourists in Bali. It also has a positive impact on the economic growth of tourism-related businesses in Bali.