TECHNOVATE: Journal of Information Technology and Strategic Innovation Management

Implementation of Profile Matching Method for E-Wallet Selection Recommendations in Indonesia

2025-09-04T05:16:13+00:00

The development of e-wallet adoption in Indonesia accompanied by a diversity of features and service quality triggers user confusion in determining the most suitable application. This study develops a Decision Support System (SKS) to recommend the best e-wallet objectively. Using Profile Matching, the research compares the actual profile of each e-wallet against the ideal profile based on 5 criteria and 15 sub-criteria. Data obtained from 30 respondents. The process includes GAP mapping, weight conversion, Core Factor-Secondary Factor clustering, total value calculation per criteria, and then weighted aggregation for ranking. The final recommendation places DANA as the best alternative (3.86), followed by GoPay (3.80) and OVO (3.72). These results show that Profile Matching effectively handles multi-criteria decision-making in the consumer fintech space and provides consistent, transparent and replicable evaluation. The findings provide practical benefits for users in choosing an e-wallet as well as academic contributions in the form of structured application of decision-making methods in the context of digital payments. Further research is recommended to expand the sample, add criteria (cost, customer service, privacy), conduct a test of comparison methods, perform sensitivity tests, and integrate behavioral data to improve external validity and accuracy of recommendations.

Stock Market Dynamics and Real Estate Sector Performance in Nigeria: Evidence from Secondary Data

2025-11-04T10:54:22+00:00

performance of Nigeria’s real estate sector has increasingly been shaped by fluctuations in the stock market and macroeconomic conditions. Despite its potential as a driver of economic growth, the sector remains vulnerable to market volatility, inflationary pressures, and limited capital market participation. This study examines the relationship between stock market dynamics and real estate sector performance in Nigeria from 2009 to 2023, considering the roles of inflation and interest rates. A quantitative research design was adopted using secondary annual data obtained from the Nigerian Exchange Group and the Central Bank of Nigeria. Stock market dynamics were proxied by the All-Share Index (ASI) and market capitalization, while real estate performance was measured by the NGX Real Estate Index. Data analysis using Stata involved descriptive statistics, correlation analysis, and regression modeling. The results indicate that both the ASI (? = 0.0023, p < 0.01) and market capitalization (? = 0.0040, p < 0.01) exerted positive and statistically significant effects on real estate sector performance. Inflation had a negative and marginally significant effect (? = ?0.6603, p ? 0.053), whereas interest rates were insignificant (? = 0.4832, p = 0.417). The model’s R² value of 0.987 suggests that 98.7% of variations in the Real Estate Index were explained by the selected variables. Overall, the findings establish that stock market dynamics are critical determinants of real estate sector performance in Nigeria, highlighting the need for strengthened capital market development and policies that enhance macroeconomic stability and support listed real estate firms.

The Effect of Managerial Ownership, Institutional Ownership and Corporate Social Responsibility (CSR) on Corporate Financial Performance in Property and Real Estate Sector Companies Listed on the Indonesia Stock Exchange

2025-11-05T03:36:54+00:00

This research aims to examine the influence of managerial ownership, institutional ownership and corporate social responsibility (CSR) on financial performance. The population in this research are all Property and Real Estate Issuer Companies Listed on the Indonesia Stock Exchange for the 2021 - 2023 Period. The variables used in this research are Managerial Ownership, Institutional Ownership and Corporate Social Responsibility (CSR) as the dependent variable and Financial Performance as the variable independent. The sampling technique used was the purposive sampling method and a total of 146 company samples were obtained. The analytical methods used are Descriptive Statistical Analysis, Classical Assumptions, Multiple Linear Analysis and Hypothesis Testing. The results of this research show that partially Managerial Ownership has a negative effect on Financial Performance, Institutional Ownership has a negative effect on Financial Performance and Corporate Social Responsibility (CSR) has no effect on Financial Performance. The research results simultaneously show that Managerial Ownership, Institutional Ownership and Corporate Social Responsibility (CSR) influence the Company's Financial Performance.

The Effect of Managerial Ownership, Profitability, and Company Size on Financial Performance in Basic Materials Companies Listed on the Indonesia Stock Exchange for the Period 2020–2023

2025-11-05T03:39:21+00:00

This study aims to examine the Influence of Managerial Ownership, Profitability and Company Size on Financial Performance in Basic Materials Companies listed on the Indonesia Stock Exchange for the period 2020 – 2023. The variables used in this study are Financial Performance as a dependent variable, and Managerial Ownership, Profitability and Company Size as independent variables. The sampling technique used was the purposive sampling method and obtained as many as 33 samples of companies from 93 companies listed on the Indonesia Stock Exchange (IDX) and the number of observations was 123 data samples. The data processing in this study uses IBM SPSS (Statistical Product and service solution) version 23. The results of this study show that Managerial Ownership has no effect on Financial Performance, Profitability has a positive effect on Financial Performance, and Company Size has a negative effect on Financial Performance.

The Influence of Personal Branding, Brand Image, and Price on Purchase Decisions on Mother of Pearl Cosmetics Brand

2025-11-05T03:42:22+00:00

This research aims to examine the influence of personal branding, brand image and price on purchasing decisions for the mother of Pearl cosmetic brand. The population in this study were all consumers who had purchased Mother of Pearl cosmetic products at the Sociolla outlet, Summarecon Mall Bekasi. The variables used in this research are Personal Branding, Brand Image, and Price as independent variables; and Purchasing Decisions as the dependent variable. The sampling technique used is the survey method and uses a questionnaire instrument. The analytical methods used are Descriptive Statistical Analysis, Data Quality Test, Classical Assumption Test, Multiple Linear Regression Analysis, and Hypothesis Testing. The results of this research show that partially the variables Personal Branding, Brand Image and Price have a significant and positive influence on purchasing decisions for Mother of Pearl cosmetic products at Sociolla Summarecon Mall Bekasi. The research results from 100 respondents also indicate that, simultaneously, the variables Personal Branding, Brand Image, and Price collectively have a significant and positive influence on Purchase Decision for Mother of Pearl cosmetic products at Sociolla Summarecon Mall Bekasi. This is evidenced by the F-test results, which show a significant value of 0.000 < 0.05 and an F-value of 14.871 > 2.70, meaning that H4 is accepted and H04 is rejected. The conclusion is that Price, Brand Image, and Personal Branding simultaneously influence the purchase decision of Mother of Pearl cosmetic products.

The Influence of Product Quality, Brand Image and E-Wom on Makeup Product Purchase Decisions By Lizzie Parra (BLP)

2025-11-05T03:44:16+00:00

This study aims to determine the influence of product quality, brand image, and e-WOM on purchase decisions of makeup By Lizzie Parra (BLP) products (case study of BLP customers at Summarecon Mall Bekasi). This research is a quantitative study using primary data collected through questionnaires distributed directly to customers who have purchased and experienced BLP products at Summarecon Mall Bekasi. A total of 100 questionnaires were distributed. Based on statistical tests, the results show that Product Quality has a significant value (sig.) of 0.000, which is less than 0.05, and a t-count value of 4.231, which is greater than the t-table value of 1.98498, with a positive sign. Thus, hypothesis H1 is accepted, indicating that Product Quality has a positive influence on Purchase Decisions. Brand image has a significance value (sig.) of 0.010, which is less than 0.05, and a t-count value of 2.615, which is greater than the t-table value of 1.98498, with a positive sign. Thus, hypothesis H2 is accepted, indicating that Brand image has a positive influence on Purchase Decisions. e-WOM has a significant value (sig.) of 0.039, which is less than 0.05, and a t-count value of 2.097, which is greater than the t-table value of 1.98498, with a positive sign. Thus, hypothesis H3 is accepted, indicating that e-WOM has a positive influence on Purchase Decisions. For the simultaneous test, Product Quality, Brand image, and e-WOM have a significant value (sig.) of 0.000, which is less than 0.05. Therefore, hypothesis H4 is accepted, indicating that these three variables simultaneously have a significant influence on Purchase Decisions.