Increase In Internet Usage Research Articles

The Digital Generation: An Analysis of the Seminal Impact of Internet Usage on Children

Abstract — The increased use of smart devices is causing a movement away from traditional learning methods and towards online learning approaches. Concerns have been expressed concerning the harmful impact of increased internet usage among children on a variety of factors, including health, social activities, outdoor participation, academic performance, and behavior. The purpose of this study is to look into how children's internet use affects their academic achievement, outdoor activities, social interactions, behavior, and health. This study presents a model to show the potential correlations between children's internet usage, academic performance, outdoor activities, social interactions, behavior, and health. The study intends to create links and comprehend the total influence of internet usage on children by analyzing these characteristics. A questionnaire with closed-ended questions was used as a survey strategy to collect data for the study. In and around Navi Mumbai, India, 502 responses were collected from parents of school-aged children aged 6 to 12 years. A random sample method was used in the survey research design, and information was gathered using a pre-structured questionnaire.The information gathered was coded and entered into SPSS 20 for analysis. To analyses the data, descriptive statistics and the Chi Square test were used, and conclusions were drawn based on the results. A significant correlation was discovered between children's internet usage, academic achievement, outdoor activities, social interactions, behavior, and health, according to the research. The study's model successfully establishes probable correlations between these factors, and statistical tests confirm these linkages further. Finally, the growing popularity of online learning methods, fueled by the rising use of smart devices, has sparked concerns regarding the influence of internet consumption on children. This study looks into the consequences of internet use on several elements of children's lives. The study proposed model aids in understanding the connections between internet usage, academic performance, outdoor activities, social interactions, behavior, and health. The statistical study supports the probable correlations between these variables, providing important insights into the implications of children's internet usage in the digital age. Keywords— Internet, Internet Usage, Academic Performance, Outdoor Activities, Social Relationship, Behavior, Health.

Analysis of Hospital Readiness to Face the 'Smart Hospital' Era

Introduction : Smart hospital is an emerging and fast-developing innovation in the context of a rapid increase of internet users, an increasing demand for high-quality medical resources, and an aging population worldwide. It generally involves the use of the optimized and automated processes built on an information and communications technology (ICT) environment, especially based on the Internet of things (IoT), to offer assessment, consultation, direct treatment, services, and integrated care. This innovation has the potential and has already gained initial evidence to improve healthcare access, efficiency, or even effectiveness. Yet, along with these positive impacts and promises, a number of issues and challenges also appear.Methods: Study This is study quantitative with design survey research. Study This done on the month of June 2023. Instruments used in study This use questionnaire with the HOT-Fit method consisting of the 47 questions divided in 6 groups question namely: Human, Organization, Technology, Knowledge Users Regulations and Benefits. Subject for this study is hospital managers, administration staff and health workers. Data analysis using analysis multivariate .Result: 22 hospital state that digitization service health to a very smart hospital important one of them is applied For increase quality service House hurts and improves satisfaction patient. In application of smart hospital Sick need integrate between technology, service and regulation.Conclusion : Smart hospitals can influence health and medical policies and create new medical values by defining and quantitatively measuring detailed indicators based on data collected from existing hospitals. Simultaneously, appropriate government incentives, consolidated interdisciplinary research, and active participation by industry are required to foster and facilitate smart hospitals. Keywords: ,

Digital Certificate Security: A Blockchain-based Approach for Fraud Prevention and Verification

With the rise of digitalization and increased internet usage, digital certificates' security issues have gained significant importance. The utilization of counterfeit certificates can lead to deceptive identity and capability verifications, allowing untrustworthy individuals to assume misleading positions. Simultaneously, factors such as data leaks and technical glitches can jeopardize the security of certificates. These challenges can complicate talent verification processes and result in unsuitable individuals being placed in incorrect roles. The proposed work aims to thwart forged certificates and ensure their verifiability within this context. The methodology employed in the study strives to mitigate potential data loss or accessibility problems by adopting a decentralized storage structure. The primary objective is to establish certificates that are reliable, traceable, and capable of being verified. A rapid and efficient user interface was developed using React.js to achieve this aim. Smart contracts were scripted on the Ethereum blockchain using Solidity, and data, including user information and certificate details, were stored within components like MongoDB. In the phase of practical implementation, diverse scenarios have been designed to facilitate the generation, verification, and monitoring of certificates. The proposed approach is geared towards deterring forgery and enhancing the credibility of certificates. Through this system, users and organizations can authenticate certificates and prevent the proliferation of counterfeit ones. Furthermore, the enhanced security and ease of sharing certificates on digital platforms offer substantial advantages to certificate holders. In summary, this study strives to enhance the safeguarding and dependability of certificates by addressing the security concerns posed by the era of digitalization.

PENGGUNAAN WEBSITE SEBAGAI SARANA PROMOSI MADRASAH ALIYAH NEGERI INSAN CENDEKIA (MAN IC) SAMBAS

Internet users in the world, especially in Indonesia, continue to increase from year to year. The increase in internet users means activities online promotion needs to be considered, one of which is activities promotion conducted by MAN IC Sambas by optimizing the website manicsambas.sch.id. Online promotion conducted by MAN IC Sambas can be said to be very efficient because it can reach a wide audience, thus making it easy for people to get information easily and quickly. The purpose of this study was to describe the suitability of the MAN IC Sambas website for a user-friendly website and the role of the MAN IC Sambas website as a means of promotion. The method used by researchers in this study is a qualitative research method with a communication approach through textual analysis. The results showed that the MAN IC Sambas website, namely manicsambas.sch.id, was a user-friendly website. A user-friendly website is one that is friendly to users. The MAN IC Sambas website has met the criteria for a user-friendly website, namely a website name that is easy to remember and easily accessed by users, has an attractive appearance and does not hurt eyesight, does not make users feel confused, and can provide information that is easy to read and understand. Meanwhile, the role of the MAN IC Sambas website as a means of promotion is that it can be helpful and useful for visitors as a complete source of information and as an updated medium of information and promotions.

Demand for internet services before and during the Covid-19 pandemic: what lessons are we learning in South Africa?

The primary aim of this study was to assess the demand for internet services before and during the Covid-19 pandemic, considering the challenges and opportunities brought about by the global health crisis. While the pandemic has had numerous negative impacts on people's lives, it has also facilitated advancements in technology, particularly the adoption of the 4th industrial revolution. To explore the positive impacts of these technological advancements, the study focused on analysing changes in household internet usage using the 2019 and 2021 General Household Survey data obtained from STATS SA. The study examined the shifts in internet usage between the two data sets and found a modest increase in internet usage over time. To further investigate the determinants of household internet usage, the study employed descriptive analysis, cross-tabulations, and a binary logistic regression model. Income, age, household size, and gender were used as independent variables, while internet usage served as the dependent variable. The results revealed that all the independent variables were statistically significant factors influencing the probability of internet usage. Income and household size demonstrated a positive relationship with internet usage, indicating that higher levels of income and larger household sizes were associated with increased demand for internet services. Conversely, the age of the household head showed a negative effect on internet usage, suggesting that as individuals grew older, their likelihood of using the internet decreased. Additionally, the study found that male-headed households exhibited higher levels of internet usage compared to their female counterparts. To ensure that digital inclusion is prioritized, it is crucial for authorities to ensure that internet access is accessible to low-income households. Addressing the disparity in internet usage between higher and lower-income households is essential. Government regulators can encourage broadband providers to expand affordable internet access, while reducing administrative burdens to facilitate network deployment, thereby supporting the current levels of internet usage, and promoting further growth. By considering these findings, policymakers and stakeholders can develop strategies to bridge the digital divide and ensure equal access to internet services for all segments of society. This will contribute to a more inclusive and equitable digital landscape, fostering social and economic development in the medium to long term.

Development of a Notification-Based Network Security Monitoring System Using Network Development Life Cycle (NDLC)

Developments in information and communication technology which are increasing rapidly, it is also required to improve the quality of security. The increase of internet usage has led to high number of intrusions or attacks that exploit weaknesses in internet protocols, operating systems and application software. Due to the high number of attacks, information technology security is an important thing to consider in an organization or individual. One solution that can be applied to overcome this problem is to monitor network security. One of the implementations of network security monitoring is the implementation of an Intrusion Detection System (IDS). The purpose of this research was to design a Snort-based network security monitoring system as a tool for implementing IDS to detect attacks by sending notifications via Telegram Bot which is integrated with the server owned by Unit Sumber Daya Informasi Universitas Udayana using the Network Development Life Cycle (NDLC) method. Based on the configuration results of research conducted on the Unit Sumber Daya Informasi Universitas Udayana server, there was the lowest data on May 16, 2023 with 64,418 data and the highest data on April 04, 2023 with 261,672 data and 2 Nmap Scan attack data as the lowest type of attack and 13,703 DDoS attack data as the highest type of attack.

Healthcare Data Collection Using Internet of Things and Blockchain Based Decentralized Data Storage

With the increase in usage of Internet of Things devices (IoT), IoT is used in different sectors such as manufacturing, electric vehicles, home automation and healthcare. The IoT devices collected large volumes of data on different parameters at regular intervals. Storing a massive amount volume of IoT data securely is a complicated task. Presently, the majority of IoT devices use cloud storage to store the data, however, cloud servers require large storage and high computation. Due to third party cloud service provider (CSP) interaction, the management of IoT data security fully depends on the CSP. To manage these problems, a decentralized blockchain based secure storage is proposed in this work. In the proposed scheme, instead of CSP storage location, the patient health information is stored in the blockchain technique and the blockchain miners verify the transactions with the help of Elliptic Curve Cryptography (ECC). The miner verification process dynamically avoids adversary access. Similarly, the certificateless access is used in the proposed system to avoid certificate based issues. The blocks in the blockchain is going to be stored patient details in a decentralized storage location to avoid unauthorized access and ensure the authenticity of data. The use of blockchain eliminates the need for third party public auditing process through immutable storage. This work illustrates secure communication and immutable data storage without the intervention of CSP. The communication overhead reduced by nearly 10 to 40% and authentication improved by 10 to 20% while confidentiality increased by 5% in comparison to existing techniques. Through this technique, data confidentiality, integrity and availability is ensured.

Pengaruh Promosi dan Kepuasan Pelanggan terhadap Loyalitas Pelanggan E-Wallet (Dana) di Kota Cimahi, Jawa Barat

Purpose: This study was motivated by an increase in Internet users in Indonesia, which is also followed by an increase in e-wallet users in Indonesia, although the increase is not as large as that of Internet users. This study examines the effects of promotion and customer satisfaction on e-wallet customer loyalty (DANA) in Cimahi City, West Java. Methodology: The research method used in this study is a descriptive and associative method. In this study, the unit of analysis was the individual, namely, the people of Cimahi City, West Java. Fifty respondents were included in this study were 50 respondents. Sampling by non-probability sampling and incidental sampling was the sampling technique used in this study. The method of analysis uses multiple linear analyses, in addition to testing the validity and reliability of the research instrument. Results: The results indicate that exogenous variables (promotion and satisfaction) have a partial or simultaneous influence on endogenous variables (customer loyalty). Limitations: This research was planned to involve users of the Cimahi City Fund application Dana, West Java, aged 20-34 years. Contribution: The implication of this research is that Dana can make promotions through social media by increasing discounts, collaborating with large merchants and holding giveaways so that customers are always satisfied with their promotions, giving rise to expectations and good performance when using Dana's e-wallet and Dana's e-wallet users. will be more loyal, because they always feel satisfied and do not switch to another e-wallet.

ANALISIS HARGA DAN KUALITAS PELAYANAN YANG MENDORONG MINAT PEMBELIAN APLIKASI ONLINE SHOP PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS ABDURRACHMAN SALEH SITUBONDO DENGAN KEPERCAYAAN SEBAGAI VARIABEL INTERVENIG

Currently, the increase in internet users in Indonesia can create a better market for e-commerce industry users. One of them is online shopping. The purpose of this research is to analyze and test the influence of price and service quality that encourage interest in purchasing online shop applications among students at the Faculty of Economics and Business, Abdurrachman Saleh University, Situbondo, with Trust as an intervening variable. This research method is descriptive and quantitative. The technique used in this research is proportional stratified random sampling technique. With the populations of 709 and a sample of 88 respondents.
 The results of the direct influence hypothesis test using the Smart PLS 3.0 application, show that price has a significant positive effect on trust, service quality has a significant positive effect on trust, price has a significant positive effect on purchase interest, service quality has a significant positive effect on purchase interest, trust has a positive effect but not significant effect on purchase interest, price has a positive but not significant effect on purchase interest through trust, service quality has a positive but not significant effect on purchase interest through trust.

Social Media Applications For Independence Economy

A considerable advancement has been achieved in Indonesia's digitalization process. The increase in internet users after the epidemic has facilitated the world's transition to a digital society. The real-time transfer of information from remote regions of Garut Regency to England is made possible by technological advancements. If this material is shared via social media, it can be promptly accessed by a larger audience. This has led to the creation of new jobs, such as those for content creators who use social media to assist media networks, particularly young people, in becoming financially independent. Since 2022, there has been an increase in internet users in locations like Garut, West Java. Still, the primary industries providing Garut Regency's citizens with money are agriculture, livestock, textiles, and fishing. This project aims to give the younger generation in Garut Regency a new social media paradigm that includes new revenue streams. The first awareness-raising campaigns made the younger generation in Garut Regency aware of the use of social media as a means of encouraging economic independence. Second, the content development sector is expanding in the Garut Regency.

VOICE BASED EMAIL SYSTEM FOR BLIND

The Internet is one of the revolutionary achievements of the last decade of the twentieth century. The increase in internet usage a nd the unlimited opportunities it offers cause people to fully use internet technology today. With the introduction of the internet into our lives, communication and access to information have become easier. As the business world moves to the digital environment, keeping up with the times becomes more important for everyo ne. Email is one of the most widely used functions on the Internet . Besides ordinary users, blind people also encounter problems w hen using the Internet. While technologies such as screen readers and Braille keyboards make it easier to access a range of applica tions, they still have difficulty accessing much content. The email is important and they must rely on thirdparty help. Therefore, th e purpose of this article is to provide voice services to visually im paired people without the need for help or assistance from third parties. Over the past few years, many researchers have worked to create solutions that will allow visually impaired people to use special features of email.Thisemail system can be used by blind p eople as well as illiterate.The system makes it easier for visually impaired people to send, receive, create and delete emails. Key Words: Text to speech, Speech to text,Face recognition,Machine learning, Artficial Intelligence,Blind people

Are We Living in Surveillance Societies and Is Privacy an Illusion? An Empirical Study on Privacy Literacy and Privacy Concerns

The concept of privacy concerns is a debated topic both at a European level and in individual countries. In this article, we investigate the role of online privacy literacy (OPL) as a determinant of Internet users’ concerns about their privacy. It focuses on Internet users’ knowledge about privacy rights and protective strategies, outlining privacy concerns using procedural privacy knowledge and declarative privacy knowledge as measures of privacy literacy. This is examined in relation to users’ concerns regarding access to their private information without permission, monitoring/surveillance of their online activities using cookies and other tools without their consent, and the confidentiality of their private data against unauthorized access/disclosing/sharing of the data. A quantitative, survey-based empirical approach was used from a European dataset of an online survey administrated to a sample of 26 526 European Internet users. Contrary to the premise that the adoption of privacy-protective measures results in a reduction of privacy concerns, our findings suggest that Internet users with higher privacy literacy reported increased concerns about their privacy. The survey findings also reveal that an increase in Internet users’ knowledge regarding regulations and laws pertaining to personal data protection does not result in fewer concerns about their privacy. Policy implications about privacy literacy and future research recommendations are discussed.

Pelatihan Pemasaran Online Berbasis Marketplace Bagi Kelompok Ibu PKK di Desa Kalianan Krucil Probolinggo

Internet users in Indonesia as of January 2023 reached 215.63 million or equivalent to 78.19% of the total population of Indonesia. The increase in internet users has an impact on shifting the paradigm of a new way of working. Kalianan Village is one of 14 villages in Krucil Sub-district located on the slopes of Mount Argopuro at an altitude between 1000-1300 meters above sea level with an area of 1,328.62 ha. So far, ganyong tubers in Kalianan Village are still processed as food stew to be consumed as a complement to food. Community service aims to socialize the utilization of ganyong tubers as an alternative source of nutrition and economic value that can be processed into cake raw materials. The method used in this community service activity is the Participatory Action Research (PAR) method in the form of mentoring and training in the use of marketplaces to market ganyong tuber products. Through this activity, it has an impact on increasing the average knowledge and skills from 57.5 to 95. This community service activity received a very positive response with a satisfaction level of 87.03% with a very satisfied.

Pengaruh Kualitas Produk Dan Pemasaran Viral E-Wom Terhadap Keputusan Pembelian Produk Hand Body Lotion Marina

The increase in internet users has made consumers pay more and more attention to the products to be purchased, one of which is body care, namely hand body lotion, which is experiencing an increasingly difficult level of competition due to being one of the body treatments needed by consumers in caring for their skin. This study aims to determine the effect of product quality and E-Wom viral marketing on purchasing decisions for Marina Hand Body Lotion products. The study was conducted on 70 respondents who were UPN Veterans East Java students who had used or purchased Marina Hand Body Lotion products by collecting questionnaire data and were selected using a non-probability sampling method with a porposive sampling technique. The data is distributed and collected and then processed using the Partial Least Square (PLS) analysis technique. The results of the study explain that product quality has a significant positive effect on purchasing decisions for Hand Body Lotion Marina products and E-Wom viral marketing has a positive effect on purchasing decisions for Hand Body Lotion Marina products.
 
 Keywords: Product quality; Electronic Word of Mouth; buying decision; body care; E-Wom

Challenges of Health Care Administrators in India: Reference from Gujarat and Madhya Pradesh

Background: Since the last few decades, India's healthcare system has been on a progressive path, contributing to the country's increasing economy. It is one of the most important sectors in terms of employment, money, and infrastructure. With such quick expansion and progress, issues are bound in all parts of healthcare that are overseen by hospital managers. This study was conducted with the goal of determining the actual factor (independent/dependent) that influences the administrator's decision-making. This study assists in assessing the obstacles experienced by healthcare administrators in managing and operating hospitals on a daily basis, which will aid in determining strategies to overcome the challenges.
 Materials and Methods A survey of 142 hospital administrators and managers from 48 different healthcare facilities (references from Gujarat and Madhya Pradesh) was conducted. A systematic questionnaire was used to collect data in MS Excel. To determine the determinants influencing administrators for the quality of healthcare services offered by Indian healthcare organizations, exploratory in-depth individual and focus group interviews were conducted with 142 healthcare stakeholders, including healthcare providers, managers, policymakers, and payers. A Google-form questionnaire and a phone call were used to make contact.
 Results: The bulk of the subjects had more than ten years of hospital administration experience, and 69% held a Masters in hospital administration degree, with the remaining holding other management degrees.87% of respondents believe that managing change (e.g., procedure, method, compliance with standards for staff/team members) is one of the most difficult issues for administrators in any firm. 88% of respondents identified increased patient load, increased internet usage, patients' ability to influence their own health, and enhanced awareness as obstacles. 85.7% agreed that greater population health knowledge and expectations, as well as improved patient safety and quality implementation - NABH, JCI, etc. of the hospital, can be problematic. Providing quality treatment at the right time, in the right place, with adequate resources was also seen as a critical difficulty for administrators. The Chi square test (Chi square value 0.197646, p value-.00001) revealed that the observed distribution differed from the expected distribution. It is possible to conclude that there is a relationship between the category variables. Significant link between legislative and regulatory organizations with regard to licensing, renewals, and periodic audits with years of expertise of hospital administrators. Ordinal regression (stat: 0.602985) and R square (stat: 0.363591) indicate that more independent variables with a substantial association with dependent variables should be sought. There was no other significant relationship discovered. Spearman correlation (rs = 0.66262, p (2-tailed) = 0.03681) interprets a linear correlation between independent (categorical/ordinal variables) and dependent (continuous variables) witnesses a perfect correlation of rank, thus implying a direct relationship between the variables.
 Conclusion: This study shows that all hospital administrators working in various healthcare settings encounter considerable obstacles on a daily basis. As a result, it may have a direct impact on patient care quality and hospital economy. It must be addressed with particular solutions such as smarter financial standards, cost-effective ways, and the promotion of tech-enabled programmes in order to improve the patient community's access to quality health care. This study discovers and limits the field of future research by identifying additional variables that may have a substantial correlation between continuous and categorical variables that may better explain the issues.

Development of Sephoras Marketing Strategies

Sephora is a global corporation that deals with the production and sale of beauty and personal care products. The company is headquartered in Paris, France, and is owned by Moet Hennessy Louis Vuitton (LMVH) luxury conglomerate. Since its inception, the company has experienced steady growth due to accessing more clients and increased sales. The use of digital marketing strategies such as search marketing, display advertising, social media marketing, and augmented reality plays a significant role in the success of the company. Each of these strategies has contributed to the growth of Sephora as a cosmetics corporation. The company records more online sales than offline sales due to the increase in internet usage and accessibility of online marketplaces. As a company that invests in modern digital marketing strategies, Sephora has effectively positioned itself in the target market and has gained a wide client base with millions of loyal clients who love luxury beauty. An analysis of Sephora's marketing strategy is important to outline how the company has been successful in recent years. We are going to analysis what are the current marketing strategies that Sephora implements in the marketing plans, how have Sephoras marketing strategies evolved over the years and how do the marketing strategies contribute to the general success of Sephora. This research mainly adopts the case study method to analyze the marketing strategy of Sephora. Through our research, we found that Sephora has a good marketing strategy that brings a lot of advantages to their company.

The role of moral disengagement and authoritarian parenting style towards cyberbullying attitude among social media users

The increase in internet users and the lack of ethics in using the internet have become one of the phenomena that trigger cyberbullying on social media among adolescents. Various internal and external factors can influence cyberbullying attitudes, including moral disengagement and authoritarian parenting style. This study examines the role of moral disengagement and authoritarian parenting style towards cyberbullying attitudes in social media users. The participants in this study were 271 junior high school students aged 12-15 years, accessing social media for more than 2 hours a day and living with both parents. The data collection method used a survey by distributing questionnaires to junior high schools in Surabaya. The scales used were Cyberbullying Attitudes, Moral Disengagement Scale, and Authoritarian Parenting Style (PAQ). The data analysis technique used multiple regression analysis. Reporting multiple regression results in the role of moral disengagement and authoritarian parenting style towards cyberbullying attitudes, R²=0.434, F(102.626), p<0.001 from the mother side and R²=0.432, F(102.003), p<0.001 from father side. However, in this study, 43% contribution comes from moral disengagement, and the authoritarian parenting style has no effect, considering that research participants are individuals in the stage of social identity confusion, so the role of peers could be more influential.

Unintended effects of broadband grants on bank branches

AbstractThe Community Connect Grant (CCG) Program was created in 2002 to provide financial assistance for the provision of broadband service in rural areas. Although it aimed to strengthen the rural economy, it is possible that an increase in internet usage due to the program could have induced bank branch closures, which could have had unintended effects on the economy. This paper discusses the mechanism by which the program affects bank branches and estimates the magnitude of its effects using an event study model and find that receiving benefits from this program decreases the number of bank branches.

School Belongingness as a Mediator in the Relationship Between Self-Reported PTSD and Cyber Victimization: Sex Differences.

The incidence of posttraumatic stress disorder (PTSD) has increased during the COVID-19 pandemic. Traumatized adolescents might cope with maladaptive strategies such as increased Internet usage, which might be a risk for cyber victimization. We investigated the relationship between self-reported PTSD and cyber victimization and the mediator role of school belongingness in this relationship. The sample consisted of 292 adolescents ages 11-14 years old (M = 12.53, SD = 0.71; nfemale = 165, 56.1%; nmale = 129, 43.9%). Results show that males are more likely to be cyber victims and have lower levels of school belongingness than females. In addition, results supported the association between higher levels of PTSD and higher levels of cyber victimization. Traumatized adolescents with high levels of school belongingness are less likely to be cyber victims. These findings highlight the importance of school-related personal and relational characteristics in promoting adolescent mental health.

Influence of convenience, trust, and lifestyle on Islamic consumption behavior among millennials: A study on Shopeepay Later users

Technological advancements have transformed cellphones into multifunctional tools, significantly increasing internet usage in Indonesia. This study examines the impact of convenience, trust, and lifestyle on Islamic consumption behavior among millennials using Shopeepay Later. Utilizing a quantitative approach, data was collected via online questionnaires from 50 respondents in Semarang Regency. Multiple regression analysis was employed to evaluate the hypotheses. Findings reveal that lifestyle significantly influences Islamic consumption behavior, while convenience and trust do not have notable individual impacts but do collectively affect behavior. The study underscores the importance of integrating ethical education with financial literacy to foster responsible consumption aligned with Islamic values. These insights contribute to understanding how modern financial practices intersect with traditional ethical frameworks, offering valuable implications for policymakers and financial service providers aiming to promote balanced and ethical consumption practices among millennials.Keywords: convenience; trust; lifestyle; Islamic consumption behavior; Shopeepay Later.