ANTICIPATING FINANCIAL AND DATA PRIVACY RISK: ASSESSING LEGAL RIGHTS AND RESPONSIBILITIES IN ONLINE SOCIAL GATHERING IN INDONESIA

The industrial revolution 4.0 has given rise to online social gatherings, which offer an alternative to traditional face-to-face interactions. The agreements and arrangements between organizers and members of social gatherings are conducted through online communication media, resulting in virtual agreements. While these gatherings have numerous benefits, including convenience and accessibility, they expose members to threats such as data privacy violations and financial risks. This study highlights the need to understand and navigate the risks associated with online social gatherings and emphasizes the importance of legal protections for their members. Furthermore, this paper aims to examine the mechanism of online social gatherings, assess their potential risks, and analyze the legal protections available to members in Indonesia. The study employs empirical juridical research methods with a descriptive research type, including collecting sources from reading materials, such as books and laws and regulations, and conducting interviews. The research finds that online social gathering agreements can be classified into innominate agreements, standard agreements, and reciprocal agreements. However, in practical terms, online social gatherings may pose serious threats to members due to privacy violations and fraud-related risks. Indonesia has enacted several provisions and litigation processes to mitigate these potential risks to protect members from such harm. Maintaining a balance between the benefits and risks of online social gatherings is essential to ensure their continued positive impact on society

Purchase Decision: Do the Paylater Ease and Consumer Satisfaction Affect It? (Case Study on Shopee Paylater and Gojek Paylater)

This study aims to examine whether the factors of consumer satisfaction and convenience of Paylater which are manifested in the variables of user age, payment tenor and interest rates can influence purchasing decisions. This study compares the use of Paylater on Shopee and Gojek. The consideration of comparing the two Paylater platforms is because these two platforms rank the most used by Paylater users in Indonesia. This study conducted in the city of Malang. This study uses primary data with a sample of respondents according to the Lemesshow formula. The number of sample used is 96 respondents for each object, namely Shope and Gojek. Then the primary data is processed using PLS. The results showed that user age, interest rates and consumer satisfaction had a significant effect on purchasing decisions at Shopee Paylater. While on Gojek Paylater, the variables that have a significant effect are interest rates and purchase satisfaction

Analisis Kemudahan Paylater dan Kepuasan Konsumen Dalam Mempengaruhi Keputusan Pembelian (Studi Kasus Pada Shopee dan Gojek)

Kemudahan transaksi merupakan salah satu faktor yang dapat mempengaruhi keputusan pembelian konsumen dan menciptakan kepuasan konsumen. Penelitian ini bertujuan untuk mengetahui apakah kemudahan paylater (usia pengguna, suku bunga kredit, tenor pembayaran) dan tingkat kepuasan konsumen berpengaruh terhadap keputusan pembelian pada Shopee dan Gojek. Metode penelitian menggunakan kuantitatif komparatif. Sampel penelitian sebanyak 96 pengguna e-commerce Shopee dan 96 pengguna e-commerce Gojek di Kota Malang yang telah menggunakan layanan paylater minimal 1 kali. Pengumpulan data dilakukan dengan cara kuisioner online melalui google forms dan dianalisis menggunakan uji Partial Least Square (PLS). Hasil penelitian secara simultan menunjukkan bahwa terdapat pengaruh antara kemudahan paylater dan kepuasan kosumen terhadap keputusan pembelian pada Shopee dan Gojek