education age migration status perceptions about the ease of obtaining a job status of owning a 'prakerja' card duration of first job search

Human Capital Technology Companies Company Performance Education Level Work Experience Training and Development Employee Retention Innovation Capacity Return on Assets (ROA)

e-banking SERVQUAL technology acceptance model (TAM) customer satisfaction trust digital banking service quality

employee performance service quality remuneration leadership public-sector reform

organizational culture transformational leadership performance management work ethic export credit agency