Purpose: The purpose of this research was to understand why Generation Z and Millennials in Indonesia really like using PayLater by applying the Technology Acceptance Model (TAM) theory. Research Methodology: This research is a quantitative research that applies questionnaires using Google Form to 103 respondents with research subjects were Generation Z (1997 – 2012) and Millennials (1981 – 1996) in Indonesia. Random sampling was used for the sample collection. Data processing and data analysis from this research used SPSS (Statistical Package for the Social Sciences) tools and non-comparative techniques, namely, the Likert scale. Results: The results show that perceptions of usefulness, ease of use, security, and trust have a positive and significant effect on intention to use. Limitations: Educational games about natural disasters in Indonesia, including floods, landslides, earthquakes, tsunamis, volcanic eruptions, and tornadoes, including an introduction to natural disasters in Indonesia, the pre-disaster phase, and the emergency response phase. Contribution: This Research can be a good knowledge of PayLater feature providers (companies), which can provide information about consumer perceptions regarding their intention to use the PayLater feature. This information will be useful for product development. Furthermore, this research can provide valuable knowledge to understand one of the digital business features that is currently very popular, namely, PayLater. Finally, this research is good as a reference for developing or compiling research related to paylater features.

Purpose: The use of applications for trade transactions in the digital era is increasingly in demand by the public, one of which is to meet their daily needs. There is no exception in the food sector to meet the needs of kitchens and fresh products, more and more applications are trying to meet these needs. However, the commodities that are sold are commodities that are quite vulnerable both in terms of price (price sensitive) and resilience (perishable goods). Instead of creating e-commerce groceries in the food sector, PT Telkom Indonesia prefers to create a grocery marketplace, so that it is not affected by price conditions and product durability because the products sold are owned by MSMEs. Research methodology: This research method uses a mixed method by taking a sample of the population of active users in Indonesia and using samples from several respondents, and registered users who have not made transactions Results: It is hoped that this research will provide benefits to add insight and as a digital business reference and material for consideration for meeting daily needs in Indonesia in determining the right strategy both in business and application. Conclusions: The research concludes that users’ intention to use Agree Mart is strongly influenced by how useful, easy, enjoyable, and cost-effective they perceive the app to be, as well as their existing habits and innovative tendencies. Behavioral intention is a critical predictor of actual usage, while external social influence and facilitating conditions have minimal impact on intention. However, facilitating conditions and habit do significantly influence use behavior. Limitations: This study is limited by its focus on respondents who have already made transactions using the Agree Mart application, which may exclude insights from potential users or those who have discontinued use. The research is also context-specific to Indonesian users, and findings may not be generalizable to other regions or cultural settings. Contribution: This study contributes to the growing body of knowledge on technology acceptance by applying and extending the Unified Theory of Acceptance and Use of Technology (UTAUT2) model to the context of an Indonesian groceries marketplace application, Agree Mart. It provides empirical evidence on the significance of performance expectancy, effort expectancy, hedonic motivation, price value, habit, and personal innovativeness in shaping users’ behavioral intentions.

Purpose: The impetus for this study lies in the pressing need for telecommunication companies to adapt to the rapidly evolving technological landscape and regulatory environment to maintain competitiveness and meet increasing consumer demands. Method: This study conducted a comprehensive analysis using SWOT analysis, Qualitative Data Analysis, and the Analytical Hierarchy Process (AHP) to determine the best course of action. Results: This study navigates through the initial stages of identifying the strategic, operational, and financial implications of PT. XYZ Frequency Migration. It delves into the background of Broadband Wireless Access (BWA) technology, the significance of the 3.3 GHz and 10 GHz bands in telecommunications, and the broader context of industry trends necessitating this shift. Methodologically, this research integrates SWOT, stakeholder, qualitative data analysis (QDA), and the Analytical Hierarchy Process (AHP) to provide a holistic understanding of the complexities of migration. Conclusions: The migration of PT. XYZ from the 3.3 GHz to the 10 GHz band represents a strategic move to enhance broadband capacity, service quality, and market competitiveness. Through a holistic evaluation using SWOT, stakeholder input, qualitative data, and the Analytical Hierarchy Process (AHP), the initiative is shown to be both viable and forward-looking despite its complexity. Success hinges on PT. XYZ's ability to synchronize technological upgrades with regulatory compliance, financial prudence, and stakeholder engagement. Limitations: This study is limited by its reliance on qualitative assessments and structured decision-making tools that may not fully capture dynamic market or regulatory shifts. Additionally, the scope did not include real-time performance data post-migration, which could further validate the strategic assumptions. Contributions: This study contributes to the academic and practical understanding of network migration within the telecommunications sector, offering nuanced insights into the complexities of transitioning to higher frequency bands.