Journal Of Resource Management, Economics And Business

STUDENTS' GAMMA SUBSCRIPTION RENEWAL INTENTION: CUSTOMER EXPERIENCE, PERCEIVED VALUE, AND EASE OF USE

Wenti Ayu Sunarjo — 2026-07-24

Purpose: This study examines whether customer experience, perceived value, and perceived ease of use explain students’ intention to renew their Gamma subscriptions.

Research Methodology: A cross-sectional explanatory survey was conducted with 100 active Universitas Pekalongan students who identified themselves as current or former Gamma subscribers. Respondents were selected through purposive sampling, and the data were analyzed using IBM SPSS Statistics through item-total validity tests, Cronbach’s alpha, classical regression diagnostics, analysis of variance, and multiple linear regression.

Results: The model was significant, F (3, 96) = 58.657, p < .001, and explained 64.7% of the variance in subscription renewal intention (adjusted R² = .636). Customer experience (B = .266, β = .271, p = .004), perceived value (B = .474, β = .400, p < .001), and perceived ease of use (B = .213, β = .221, p = .027) were positive predictors. Perceived value showed the largest standardized association.

Limitations: The cross-sectional, single-institution, self-report design limits causal inference and external validity. The perceived-value scale also showed only marginal internal consistency (α = .630).

Contribution: The study extends post-adoption research to a visual generative-AI subscription context and identifies value delivery, experience quality, and low interaction effort as relevant retention considerations for student-oriented software-as-a-service providers.

AI-ENABLED LEADERSHIP AGILITY: A SYSTEMATIC REVIEW INTEGRATING TALENT MANAGEMENT, GREEN FINANCE, AND SUSTAINABLE BUSINESS

Wike Pertiwi — 2026-09-02

Purpose: This study examines the role of artificial intelligence (AI) in leadership agility and its integration with talent management, green-finance decision processes, and sustainable business outcomes.

Research Methodology: This study uses a PRISMA 2020-aligned systematic literature review. Peer-reviewed English-language journal articles published from 2013 to the final search date in 2026 were identified through Scopus and Web of Science, screened using predefined eligibility criteria, appraised using design-appropriate quality criteria, and synthesized through thematic coding.

Results: The synthesis identifies AI-enabled decision support as a potential enabler of leadership agility; talent intelligence as a workforce-adaptation capability; and AI-supported green-finance processes as mechanisms for ESG and climate-risk-informed decisions. Data quality, AI literacy, human oversight, governance, transparency, privacy protection, and credible ESG data emerge as key boundary conditions.

Limitations: The review is limited to English-language peer-reviewed articles and provides thematic synthesis rather than meta-analytic causal estimates.

Contribution: This study contributes to leadership, strategic management, human resource management, sustainable finance, and responsible-AI research by proposing an integrative framework linking AI infrastructure, leadership agility, talent intelligence, green-finance decisions, and multidimensional sustainable business outcomes.

AI-PERSONALIZED SOCIAL COMMERCE AND GENERATION Z LOCAL BRAND LOYALTY: EXPERIENCE AND E-TRUST

Citra Savitri — 2026-09-03

Purpose: This conceptual article explains how artificial-intelligence-based personalization within social commerce can build durable loyalty toward local brands among Generation Z. It addresses fragmented research that examines personalization, customer experience, electronic trust, and loyalty in separate causal models.

Research Methodology: This integrative conceptual review synthesized 57 peer-reviewed journal articles published from 2000 to July 2026, while retaining earlier seminal relationship-marketing sources. Reproducible search blocks, explicit inclusion and exclusion criteria, backward and forward citation tracing, DOI verification, and concept coding were used to compare definitions, analytical levels, mechanisms, and boundary conditions across six literature streams.

Results: The synthesis defines AI-personalized social commerce as an adaptive capability that configures recommendations, content, offers, conversational support, and social evidence within commerce-enabled social environments. Six propositions indicate that this capability improves digital customer experience and electronic trust; experience strengthens trust and local brand loyalty; trust supports loyalty; and experience followed by trust forms the principal serial pathway. Transparency, perceived data control, platform credibility, product involvement, and local-identity salience delimit these relationships.

Limitations: This theory-synthesis review is limited to a traceable English-language journal corpus and does not estimate effects or establish causal order. The proposed framework therefore requires scale validation and longitudinal, experimental, and field-based testing across social-commerce platforms and product categories.

Contribution: Recommendation accuracy alone cannot secure loyalty. Local brands must convert algorithmic relevance into coherent encounters and credible evidence of competence, integrity, and acceptable data conduct. Managers should combine explainable recommendations, editable preference controls, authentic social proof, and consistent fulfillment. The framework connects AI marketing and social commerce with customer-experience, signaling, and commitment-trust theory, while explaining local brand loyalty as a sequentially produced outcome rather than an immediate response to targeting.

DIGITAL FINANCIAL CAPABILITY AND MSME RESILIENCE: MEDIATING FINTECH UTILIZATION AND MODERATING FINANCIAL EXPERIENCE

Dedi Mulyadi — 2026-09-03

Purpose: This conceptual article explains how owner-managers convert digital financial capability into MSME financial resilience through actual fintech utilization and why accumulated financial experience changes the value obtained from that utilization

Research Methodology: An integrative theory-building review was conducted across finance, entrepreneurship, information-systems, and organizational-resilience research, using concept-boundary analysis, mechanism coding, contradiction analysis, and proposition development

Results: The synthesis produces a capability-utilization-resilience framework in which digital financial capability has a direct relationship with resilience and an indirect relationship through the breadth, depth, routinization, and decision integration of fintech use, while financial experience strengthens the utilization-to-resilience pathway

Limitations: The propositions require longitudinal and multi-source testing, and the proposed financial-experience moderator should be measured through consequential financial events rather than business age alone

Contribution: The article separates capability from technology use, specifies the missing conversion mechanism between digital finance and resilience, and positions financial experience as an interpretive complement to fintech utilization in MSME research

DIGITAL MATURITY ASSESSMENT AND BUSINESS MODEL TRANSFORMATION IN THE BUSINESS PROCESS OUTSOURCING INDUSTRY

Herdibudi Wibowo — 2026-09-03

Purpose: This study examines how a digital maturity diagnosis can inform business model transformation in a labour-intensive business process outsourcing (BPO) firm.

Research Methodology: A qualitative single-case study was conducted at PT Karya Solusi Prima Sejahtera. Evidence comprised seven purposively selected informants, corporate documents from 2022–2025, and a DMM-OP-guided interview protocol. Data were analysed through reflexive thematic analysis and a transparent DMM-OP-to-Business Model Canvas (BMC) mapping.

Results: The firm exhibits an early-stage digital maturity profile, marked by siloed operational-financial data, limited ERP utilisation, ad-hoc digital capability development, and restricted cross-firm system integration. These constraints undermine five BMC blocks most directly: value proposition, customer relationships, key activities, key resources, and cost structure. A phased roadmap is proposed to enable a transition from headcount-based staffing to digitally enabled managed services.

Limitations: Findings are bounded to one Indonesian BPO and do not test post-implementation financial effects.

Contribution: The study demonstrates an auditable pathway for using organisational and process maturity evidence to redesign business model elements in people-intensive services.