Judul: The Effect of Financial Literacy and Perceived Risk on Intention to Use Paylater with Theory of Planned Behavior (TPB) Approach
Abstrak: Payater adalah layanan pinjaman uang tanpa jaminan yang memudahkan penggunanya untuk melakukan pembayaran menggunakan dana talangan dan dapat dibayarkan belakangan. Namun, dibalik kemudahan dan keuntungan yang ditawarkan paylater terdapat risiko yang berpotensi merugikan penggunanya. Penelitian ini bertujuan untuk (1) menganalisis tingkat literasi keuangan pada generasi milenial, (2) menganalisis pengaruh literasi keuangan dan persepsi risiko terhadap minat menggunakan paylater, dan (3) menganalisis pengaruh sikap, norma subjektif, dan persepsi kontrol perilaku terhadap minat menggunakan paylater. Metode analisis yang digunakan adalah analisis deskriptif dan analisis SEM-PLS. Hasil penelitian menunjukkan bahwa 1) tingkat literasi keuangan generasi milenial di Jabodetabek sebesar 45%, (2) tidak terdapat pengaruh literasi keuangan terhadap minat menggunakan paylater dan terdapat pengaruh negatif dan signifikan risiko kinerja, risiko waktu, risiko keamanan dan risiko keuangan terhadap sikap penggunaan paylater, sedangkan risiko sosial tidak berpengaruh terhadap sikap penggunaan paylater, dan (3) terdapat pengaruh positif sikap, norma subjektif, dan persepsi kontrol perilaku terhadap minat menggunakan paylater., Paylater is an unsecured money loan service that makes it easy for users to make payments using bailout funds and can be paid later. However, behind the convenience and benefits offered by paylaters, there are risks that have the potential to harm users. This study aims to (1) analyze the level of financial literacy in the millennial generation, (2) analyze the effect of financial literacy and perceived risk on intention to use paylater, and (3) analyze the effect of attitudes, subjective norms, and perceived behavioral control on intention to use paylater. The analytical method used is descriptive analysis and SEM-PLS analysis. The results show that (1) the level of financial literacy of the millennial generation in Jabodetabek is 45%, (2) there is no effect of financial literacy on the intention to use paylater and there is negative and significant effect of performance risk, time risk, security risk and financial risk on attitudes to using paylater, while social risk has no effect on attitudesto using paylater, and (3) there is positive and significant effect of attitudes, subjective norms, and perceived behavioral control on intention to use paylater
Keyword: financial literacy, paylater, perceived risk, theory of planned behavior

Judul: The Influence of Financial Literacy and Perceived Risk towards the Intention to use Paylater Services across Milennial Generation
Abstrak: Layanan paylater merupakan salah satu alternatif dalam transaksi keuangan non tunai, dan di Indonesia berada pada posisi ketiga fintech yang paling sering digunakan dibandingkan metode pembayaran melalui convenience store. Tujuan penelitian ini untuk menganalisis pengaruh literasi keuangan dan persepsi risiko terhadap minat menggunakan layanan paylater pada generasi milenial. Penelitian ini menggunakan desain explanatory dan cross sectional study, dengan total 220 orang generasi milenial Indonesia yang diambil dengan teknik voluntary sampling. Studi ini menunjukkan bahwa pengetahuan dan sikap keuangan berada pada kategori moderat, sedangkan perilaku keuangan terkategori moderat dan tinggi. Persepsi risiko sosial dan psikologis berada pada kategori rendah, sedangkan persepsi risiko keuangan, kinerja, dan waktu berada pada kategori moderat. Sementara itu, presentasi terbesar minat menggunakan layanan paylater berasa pada kategori rendah dan moderat. Hasil uji regresi menunjukkan bahwa usia dan pendapatan berpengaruh positif signifikan terhadap minat menggunakan layanan paylater, sedangkan persepsi risiko kinerja dan waktu berpengaruh negatif signifikan terhadap minat menggunakan layanan paylater.
Keyword: Financial literacy, intention to use, millennials, paylater, perceived risk

Judul: Penyusunan Overlap Graph menggunakan Suffix Tree pada DNA Sequence
Abstrak: The DNA sequence assembly is very important in genome analysis. This step aims to reconstruct contigous DNA fragment (contigs) from short fragment by concatenating fragments based on the overlap region among them. This method employs overlap graph for solving the problems. In this graph, nodes represent fragments and edges represent overlap. This research developed a software for constructing overlap graph using suffix tree. The evaluation was conducted by measuring the number of nodes, number of edges, and the execution time in many values of minimum overlap. The minimum overlap is defined as the minimum length of substring which is considered as the overlap region between two fragments. The evaluation results showed that the number of nodes, the number of edges, and the execution time were increased with the decreasing of the minimum overlap value.
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