Marketing Strategy for QRIS Cross Border as A Feature for FILPay App

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In the modern era, the popularity of digital payment methods is rising, including in Indonesia. As a result, financial institutions are creating their own digital payment method channels. It is not uncommon to see multiple QR codes in one cashier. To streamline these methods, Bank Indonesia launched QRIS, integrating all QR codes issued by financial institutions, banks, and e-wallets. Bank Indonesia has further advanced this initiative by facilitating transactions between ASEAN countries, collaborating with the central banks of Thailand, Malaysia, and Singapore to establish QRIS Cross Border. This allows users to utilize their home country’s financial institution apps across these regions.

As one of Indonesia’s leading e-wallets, FILPay needs to develop a targeted marketing strategy to introduce the QRIS Cross Border feature to its users. In order to do so, FILPay need to find out what is the trigger for FILPay users to choose a certain payment channel on their travel to Thailand, Singapore, and Malaysia, the gap between user expectation for the payment method in Thailand, Singapore, Malaysia versus available QRIS Cross Border feature, and the effective key message and channel to introduce the feature to FILPay user.

Through questionnaires and focus group discussions, insights were gathered on users’ payment method choices in Thailand, Malaysia, and Singapore. The most preferred payment method is cash in Thailand, Malaysia, and Singapore, followed by card. User also already figuring out what kind of payment method they want to use before the trip, finding information from social media, friends and family recommendation, and the banner promotion in merchants’ point of transaction. While most FILPay users are aware of the QRIS Cross Border feature, barriers such as previous transaction failures, uncertainty about merchant acceptance, and the perceived ease of alternative methods hinder its use. FILPay user for now cannot see QRIS Cross Border as the most preferred payment method, but they do see the potential of its use on transaction with low basket size.

To address these concerns, FILPay need to create a marketing strategy emphasizing the seamless payment capabilities in Thailand, Malaysia, and Singapore using QRIS. The strategy involves utilizing various channels aligned with user touchpoints when selecting payment methods. FILPay’s communications focus on the feature’s ease of use, convenience, and real-time transaction capabilities. To reach users effectively, FILPay employs multiple marketing channels, including their app and social media platforms. The marketing strategy focus on education FILPay user on QRIS Cross Border and invite user to engage with the marketing materials  to increase consideration. Some in-app channels are also used in order to increase after-transaction interactions.

Proposed Marketing Strategy to Increase Revenue Through Product Differentiation (Case Studyat Cement Inc.)

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The cement industry is currently facing intense competition due to the lack of significant recovery in retail demand following the COVID-19 pandemic, coupled with an increasing number of competitors. This has resulted in a surge in oversupply, reaching up to twice the demand, and a decline in utilization to 52%. In order to survive, cement companies release their own economy brands, including Cement Inc. In 2020, Cement Inc. released its fighting brand in Java to fight the eco-brands, using their current premium brand from Sumatra, Semen PDG. Cement Inc. will also release Semen MDK in late 2022 to counteract market confusion about Semen Padang. The total number of brands to compete in the last decade has increased tremendously due to the rising eco-brand trend. In three years, Cement Inc.’s fighting brand portion has grown to 24.6%, indicating a shift in the market towards more economical products. This situation is leading to a decrease in the Cement Inc. revenue, as there is no product differentiation between the premium and fighting brands.

We conducted this study to explore potential solutions to increase revenue by implementing a fighting brand strategy that incorporates product differentiation. The research address three critical questions: (1) What is the internal and external analysis? (2) What is the proposed recommendation for marketing strategy to increase for Cement Inc. through product differentiation of Fighting Brand? (3) What is the implementation plan for the marketing strategy?

The investigation began by examining the cement market condition, evaluating Cement Inc.’s strengths and weakness, as well as the market’s opportunities and threats, using quantitative and qualitative approach to investigate internal and customer’s understanding about the difference between main brand and fighting brand, as well as the expected differences. By the internal and external analysis, the study proposed the new segmentation, targeting, and positioning to propose the new marketing strategy using marketing mix 4Ps through product differentiation for fighting brand to increase Cement Inc.’s revenue in both premium brand and fighting brand. This study limited on retail market in Java, which is characterized by intense rivalry.

Assessment of the Relationship between Sleep Hygiene Practices, Quality of Life and Academic Performance among Medical Students at the University of Lusaka, Zambia

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Influencing daily functioning, mental well-being, and overall quality of life, sleep quality is crucial to human physiology. Medical students, facing intense academic demands, often grapple with sleep disturbances, impairing their performance. This study at the University of Lusaka delves into the relationship between sleep hygiene, quality of life, and academic performance, drawing insights from esteemed organizations like the Institute of Medicine Committee on Sleep Medicine and Research (2006) and the World Health Organization (1999). Alarming results show 44.23% of students had poor sleep, averaging 6.7±1.6 hours. These challenges affected attention and cognitive functions adversely. Urgent interventions focusing on sleep quality and overall well-being are imperative, promising improved attendance, attention, and academic accomplishments, nurturing a healthier learning atmosphere and holistic student growth. The main objective of the study will be to investigate the relationship between sleep hygiene practices, quality of life and academic performance of medical students at the University of Lusaka in Zambia. The study had a sample of 497 participants that included diverse young adults (32.2% aged 18-25, 59.4% aged 26-35) with balanced gender representation (40.8% male, 59.2% female). Highest participation was noted in the lower academic year, Year 111 (17.9%). Prevalent issues in sleep hygiene (irregular schedules – 49.3%, excessive daytime napping – 58.4%) and stress-related factors (60.2%) affected participants. Positive social satisfaction (43.3% rated as 4) and effective stress management (36.4% rated as 5) were observed. Burnout was common (75.9% sometimes, 16.7% frequently), highlighting the need for mental health support. Participants showed dedicated study habits (55.5% studied 4-6 hours daily) and achieved notable academic results (39.6% received B+ in previous exams). Interventions addressing sleep hygiene, stress, and mental health are crucial for enhancing well-being and academic success. In conclusion, this study sheds light on the critical issue of poor sleep hygiene among medical students at the University of Lusaka, revealing its detrimental impact on their academic performance. The findings underscore the urgent need for comprehensive interventions tailored to enhance students’ sleep hygiene and overall well-being.

Barriers for Business to Engage in Carbon Trading Through the Indonesian Carbon Exchange: An Analytical Hierarchy Process Approach

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This study investigates the barriers faced by businesses in participating in carbon trading through the Indonesia Carbon Exchange (IDXCarbon). Although Indonesia has committed to reduce greenhouse gas emissions by 31.89% with national efforts and 43.20% with international assistance, participation in IDXCarbon is still limited. Using the Analytical Hierarchy Process (AHP) method, this study identifies and ranks barriers based on expert evaluation in four main criteria:  Impact on Risk Management and Uncertainty; Impact on Business Operation and Strategy; Impact on Financial and Profitability, and Impact on Regulatory Compliance and Stakeholder Engagement. The main barriers identified were Concern Over Loss of Sustained Revenue; Lack of Company Understanding and Capability; Additional Explicit Costs; Bureaucratic Complexity; Low Level of Transparency; and Limited Trading Volume. The results of this study are expected to guide policymakers and business leaders in improving their effectiveness and participation in carbon trading, thereby contributing to Indonesia’s ambitious emissions reduction targets.

Bibiliometric Analysis of The Literature on Organizational Readiness: Mapping and Direction

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The COVID-19 pandemic is mostly responsible for the decline in business financial performance. It is believed that the company’s survival is contingent upon the organization’s readiness to integrate digital technology at the operational and strategic levels. Despite the abundance of literature in this field, there has been no empirical research to characterize previous studies or provide guidance for future studies that have a significant impact. Therefore, we have designed this investigation to fill this gap. The bibliometric analysis method employed in the research involves the initial step of conducting a search of the Scopus-indexed journal database using the title, abstract, and keywords “organizational readiness”, “readiness to change”, “digital maturity” or “digital capability”. We selected a total of 3528 articles from a pool of 93,307 by applying filters based on specific topics and time periods. Following this, we compiled the meta data using the Publish and Perish (PoP) program and generated research trend visualizations using Vosviewer. The research findings indicate that Parida, V., a Swedish writer, is the most productive. However, we discovered that the authors who published the most impactful articles were not necessarily the most prolific authors or countries. Following the COVID-19 pandemic, research on organizational readiness that can assist small and medium-sized businesses in gaining a competitive advantage and enhancing their value could be the next area of investigation.

Order Fulfillment Process Improvement in E-Commerce Warehouse: A DMAIC Approach for PT XYZ

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This research analyzes PT XYZ’s e-commerce fulfillment warehouse using the DMAIC (Define, Measure, Analyze, Improve, Control) methodology due to a shortfall in order processing, averaging 184.64 orders per shift versus a target of 250. The objective is to enhance operational efficiency and manpower productivity. Initial analysis identified significant inefficiencies and high variability in processing times due to Warehouse Management System (WMS) synchronization issues, manual rework, lack of standards, and non-value-adding activities. The improvement phase proposed solutions such as implementing a Pick-to-Light (PTL) system, WMS enhancements, standardized receipt picking, and incentive schemes. These improvements aim to reduce errors, optimize workflows, and increase employee productivity. The control phase includes comprehensive training plans, documentation, and monitoring tools to ensure sustainability and continuous improvement. Implementing these solutions is expected to increase order processing efficiency by 40-50%, build a more competitive and motivated workforce, and address issues between regular and freelance employees through targeted training and incentive schemes.

Perspectives of Teaching and Evaluation in Mathematics

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Mathematics as a subject is quite unique in its processes and teaching in that it requires the least amount of memorization. Aside from the numbers and the functions of the operators themselves, not much needs to be memorized to do mathematics. This study is a review on all the different approaches of teaching the subject given by some famous educationists such as Bruner, Piaget, Vygotsky and Dewey in the past. Furthermore, various assessment methods for the subject have been discussed.

Augmenting Discussion Effectiveness through the Implementation of Thinking Routines to Visualize Learners’ Cognitive Processes

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The purpose of this study is to investigate the efficacy of implementing thinking routines in a classroom setting to augment learners’ discussion proficiency. Adapting the theoretical framework proposed by Ron Ritchhart and his colleagues in their Visible Thinking Project, specifically focusing on three selected routines: See–Think–Wonder, Headlines, and Claim-Support-Question, this action study was conducted at an independent university in HCM City, Vietnam. The treatment was carried out in five direct meeting sessions with 35 intermediate English-level students in a communicative class. Data was collected through pre-while-post implementation aligning with interviews and observation. The results of this study reveal that these participants not only expanded their ideas to the given topic but also engaged in deeper questioning and exploring their peers’ arguments, thereby nurturing logical thinking and fostering a culture of self-directed learning beyond the classroom.

Optimizing Online Channels: Exploring the Interplay of E-Commerce in Customer Journey of Smartphone & Gadget Retail

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The rise of e-commerce has transformed the global retail industry, including the smartphone and gadget sector. In Indonesia, while online shopping has become more popular due to its convenience, smartphone brands still face challenges. Despite the growth of online platforms, many customers prefer shopping in physical stores, especially after the pandemic. This research aims to understand what drives consumers to shop online for smartphones and gadgets, and to offer insights and strategies for both smartphone manufacturers and e-commerce platforms to boost their online presence and attract more customers.

The study addresses key questions about consumer behavior: What motivates people to buy smartphones and gadgets online rather than in-store? How do they perceive their online shopping experience, and what factors affect their satisfaction? What obstacles do they face when shopping online, and how do they overcome them? How do they react to personalized marketing and recommendations? And what drives their loyalty and repeat purchases in the online market?

By using the Customer Decision Journey, Marketing Technology, and Porter’s Five Forces analysis, the research identifies important factors like delivery, promotions, store information, and ease of finding product details. The study will provide actionable business solutions and recommendations to help smartphone manufacturers and e-commerce platforms tackle challenges and improve their online market strategies.

Advancements in Alzheimer’s Disease: Emerging Therapies, Lifestyle Modifications, and Early Intervention Strategies

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: Alzheimer’s disease (AD), the most prevalent form of dementia, represents a major global health challenge, affecting over 45 million people worldwide with projections to triple by 2050 [1]. This progressive, irreversible neurodegenerative disease leads to cognitive decline, behavioural changes, and a significant socioeconomic burden [2]. Despite extensive research into its complex pathophysiology, involving beta-amyloid plaques and tau protein tangles, the exact causes remain a mix of genetic, environmental, and lifestyle factors [3]. Current treatments primarily focus on symptom management, as no cure exists [4]. This literature review synthesises recent advancements in Alzheimer’s research, exploring new pharmacological treatments, emerging therapies, and the efficacy of prevention strategies. It particularly examines how lifestyle modifications and risk factor management influence disease progression. The review highlights the potential of early intervention in at-risk individuals, aiming to prevent significant neuronal damage before clinical symptoms appear. It discusses the impact of various lifestyle factors such as diet, exercise, mental and social engagement, and cardiovascular health on AD risk. Understanding these connections is crucial, given the ageing population and rising prevalence of AD. This review aims to inform better clinical practices and health policies, potentially reducing Alzheimer’s impact and guiding healthcare professionals, researchers, and policymakers in effective interventions. Ultimately, these insights could substantially alleviate the socioeconomic burden of Alzheimer’s disease and improve public health outcomes.