Ainur Rofiq

Young consumer is a noteworthy consumer for a company as a sustainable marketing target. The business sector needs to consider green packaging as one of the company’s competitive strategies. The existence of environmental problem phenomenon in recent years has increased the awareness of various parties to the importance of environmental sustainability. Indonesia as one of emerging markets, both for green product and green packaged product, also needs to take part in the issue.

Using Theory of Planned Behavior (TPB), this research aimed to simultaneously examine several influencing factors for young consumer’s purchase intention toward green packaging. Two hundred seventy-six empirical data were obtained through questionnaires given to undergraduate students. The analysis, using Structural Equation Modeling (SEM), showed that attitude, personal norm, Perceived Behavioral Control (PBC), and willingness to pay significantly influenced the purchase intention. Furthermore, the level of environmental concern also determined the purchase intention through attitude.

The study aims to explore the effect of the quality of state-owned sharia banks’ services on consumers’ satisfaction and happiness. It contributes to knowledge of marketing management theory and management practices. The expected final effect is that the right quality of customers` service practice can increase customers’ satisfaction and happiness in the Islamic context. The study uses quantitative approach. It relies on primary data obtained from questionnaire results and secondary data in the form of information from state-owned sharia banks including Bank BRI Syariah, Bank BNI Syariah and Bank Syariah Mandiri. The study considers PLS-SEM as the right tool for data analysis. The findings of the study are as follows: 1) only two of seven dimensions of service quality that significantly affect consumers’ satisfaction, are the Islamic Service System and the Responsiveness System, while the remaining effects come from other hypotheses not included in the model; 2) consumers’ satisfaction has a significant effect on consumers` happiness, and the remaining effects come from other concepts that are worth exploring.

Indonesia is a developing country with many local cultures trying to continue increasing electronic transactions with e-Banking. UTAUT2 is the one of acceptance and use of the technology model. This study focuses on investigating the effect of Javanese cultural philosophy (local culture in Indonesia) on banking customer behavior in accepting and using banking transactions. This paper is supported by qualitative information, although it uses a quantitative approach. The Javanese cultural philosophy “Ojo Gumunan, Ojo Kagetan” was the main information before distributing the questionnaire as primary data. This model uses UTAUT2 and data analysis using PLS-SEM with SmartPLS. The main results reinforce the theory that the Javanese cultural philosophy “Ojo Gumunan, Ojo Kagetan” is a significant dominant factor in influencing behavior intention. The results of applying the UTAUT2 model show a variance of 86.4% for the endogenous variable behavioral intention and 72.4% for the endogenous variable use behavior to e-banking, which exceeds the value of the original model. Findings revealed that the variables of Javanese philosophy and promotion conditions have a significant effect on behavioral intentions. The facilitating condition variables, habit variables, and behavioral intentions variables on behavior using e-banking proved to affect significantly. This study aims to evaluate the model of acceptance and use of e-banking with a Javanese philosophical approach. The evaluation results show that Javanese philosophy is the main and dominant factor in the model. The contribution of this study can provide insights for practitioners and researchers that increasing non-cash banking transactions (less-cash society) through e-banking can use a local-cultural philosophical approach.

Acknowledgments
The authors appreciate cultural experts’ contributions, including Magnis Suseno, Didik Nini Thowok, Sujiwo Tejo, and members of the FGD in providing information about Javanese culture. The authors are grateful to all parties who have given their feedback and support in completing this paper.

Type of the article: Research Article

Abstract
The banking industry faces rapid transformation, making organizational agility critical for competitiveness. Digitalization enhances IT capability to drive efficiency and resilience, yet evidence in Indonesian state-owned banks remains inconsistent. This study aims to examine IT capability as a mediator between leadership, culture, and innovation in shaping organizational agility at Bank BTN. This paper uses a quantitative approach. The analysis was conducted at Bank Tabungan Negara in Indonesia from May to July 2025. It involved 319 BTN bank employees selected using a proportionate stratified random sampling technique, consisting of 219 people who served as managers, 41 as senior managers, 33 as assistant vice presidents, and 26 as vice presidents. Data analysis was conducted through a confirmatory factor analysis (CFA) and model fit assessment prior to hypothesis testing using the structural equation modeling (SEM) approach. Descriptive and correlational analyses were performed with SPSS version 26, while hypothesis testing was carried out using LisRel 8.80. The findings demonstrate that leadership behavior, organizational culture, and organizational innovation significantly enhance organizational agility, both directly and through the mediating role of information technology capability. Leadership shows the strongest direct effect on agility, while innovation exerts the strongest influence on IT capability. Overall, the findings confirm IT capability as a key mediator linking leadership, culture, and innovation to higher organizational agility, though generalizability is limited by the single organization context of Bank BTN.