The rapid integration of Financial Technology (Fintech) into the daily lives of Generation Z has fundamentally altered payment methods, yet its impact on personal financial management remains debatable. This study aims to evaluate the gap between digital literacy and actual usage patterns of Fintech among university students, as well as its implications for their financial behavior. Using a descriptive quantitative approach with a case study design, data were collected from 30 active undergraduate students through purposive sampling. The results indicate a significant paradox: while 96% of respondents demonstrate high technical proficiency in using Fintech features, only 38% possess adequate awareness of financial risks, such as hidden fees and interest rates. Furthermore, the findings reveal that Fintech acts primarily as a "lifestyle enabler," with 73% of transactions allocated to hedonic consumption (Food & Beverage and Fashion). The study also confirms the "reduced pain of paying" phenomenon, where 65% of respondents admitted to increased impulsive buying behavior due to the seamless nature of digital transactions. It is concluded that without proper digital financial literacy, the perceived ease of use of Fintech tends to degrade, rather than improve, students' personal financial discipline.

The increasing competition among hospitals necessitates a deeper understanding of patient characteristics, both BPJS (national health insurance) and non-BPJS users, to develop value propositions that are relevant and patient-experience-oriented. This study aims to: (1) analyze and compare the demographic and psychographic segmentation characteristics of BPJS and non-BPJS patients, (2) develop personas that represent patient needs and experiences, and (3) formulate a customer value proposition that reflects patients’ emotional values and experiential dimensions. A descriptive mixed-method approach was employed, combining quantitative and qualitative data through in-depth interviews with nine informants: five BPJS patients and four non-BPJS patients. Thematic analysis identified 35 subthemes grouped into four main themes: (1) Emotional Relationship and Patient Loyalty, (2) Comfort and Patient Experience, (3) Health Orientation and Personal Values, and (4) Social and Cultural Factors. The findings indicate that BPJS patients tend to be relationship- oriented, emphasizing trust, empathy, and accessibility, compared with non-BPJS patients are experience-driven and achievement-oriented, focusing on quality, comfort, and service efficiency. Based on these insights, two personas were developed: the “Loyal and Rational Patient” (BPJS) andthe “Independent and Aspirational Patient” (non-BPJS). The novelty of this study lies in integrating psychographic analysis withpersona development to compare BPJS and non-BPJS patient segments, a perspective rarely explored in hospital management research in Indonesia. The practical implication highlights the need for implementing service and promotional strategies grounded in tailored value propositions that align with patients’ psychographic profiles to enhance experience, loyalty, and the hospital’s humanistic image.

This study integrates Consumer Value Theory (CVT) and Consumer Luxury Value Perceptions (CLVP) to develop a real estate consumer value model encompassing functional, social, emotional, and investment values, and to explore their influence on repurchase intention among Thai real estate buyers. A quantitative approach was used, with a questionnaire distributed via Line and WhatsApp in March 2025, yielding 217 valid responses. Data analysis was conducted using SPSS, including descriptive statistics and regression analysis. Findings revealed that demographic factors influenced consumer perceptions: female buyers valued emotional aspects more, while older and educated buyers emphasized investment value. Higher-income buyers prioritized social value as a status symbol. Emotional and investment values significantly impacted purchase satisfaction and repurchase intention, whereas social and functional values were less significant. The study offers practical insights for real estate professionals, highlighting the need to enhance buyer identification and investment confidence to stabilize the market and boost long-term demand.

Global supply chains have become increasingly vulnerable to recurrent disruptions arising from pandemics, geopolitical conflicts, infrastructure bottlenecks, technological risks, energy instability, and climate change. These disruptions have exposed structural weaknesses in traditional efficiency-driven logistics systems and intensified the need for resilience - oriented strategies. This study examines global strategies for enhancing logistics resilience in the face of supply chain disruptions, drawing on a secondary-based analytical approach and comparative regional analysis. The study synthesizes scholarly definitions of logistics resilience and situates them within established theoretical frameworks, including the Resource-Based View, Dynamic Capabilities Theory, and Systems Theory, to explain how organizations and countries adapt to shocks. Using thematic content analysis and comparative analysis, the study evaluates major global disruption events such as the COVID-19 pandemic, the Russia – Ukraine conflict, the Suez Canal blockage, semiconductor shortages, and climate-induced port shutdowns. The findings reveal that logistics resilience is multidimensional, underpinned by digital transformation, supply chain diversification, strategic inventory buffering, collaborative partnerships, and resilient transport infrastructure. Comparative evidence indicates that North America, Europe, and parts of Asia exhibit higher logistics resilience due to strong digital readiness, infrastructure strength, policy support, and private-sector agility, while African logistics systems, including Nigeria’s, remain more vulnerable despite emerging adaptive strategies. The study further highlights that logistics resilience is achievable but unevenly distributed, largely influenced by institutional capacity, technological adoption, and coordinated governance. The paper concludes that integrating digital innovation with infrastructural investment and policy coherence is critical for building resilient logistics systems, particularly in developing economies. Policy and managerial implications are discussed, emphasizing the need for region-specific resilience strategies in an increasingly uncertain global environment.