Exploring the Effectiveness of E-Learning in Fostering Innovation and Creative Entrepreneurship in Higher Education

This research aims to explore the effectiveness of implementing E-Learning in increasing innovation and creativepreneur skills of students in higher education. By focusing on the digital learning environment, this research wants to identify the impact of using E-Learning platforms on the development of students' creative and entrepreneurial ideas. The research method involves collecting quantitative data through online surveys and qualitative through in-depth interviews with students and lecturers. The data is then analyzed to measure the level of effectiveness of E-Learning in providing support for innovation and creativepreneurship skills. It is hoped that the results of this research will provide new insight into the potential of E-Learning in increasing students' creativity and entrepreneurial spirit in the digital era. It is hoped that the conclusions of this research can provide a basis for developing more effective online learning strategies in supporting innovation and entrepreneurship in higher education


INTRODUCTION
Higher education today cannot ignore the paradigm changes that occur as a result of advances in information technology.Innovation in education is becoming increasingly important, and one solution is through the application of E-Learning [1].This digital transformation opens the door to new possibilities in developing innovation and entrepreneurial skills among students [2].Universities, as higher education institutions, have a big responsibility to prepare students not only with academic knowledge, but also with creative and entrepreneurial skills that are relevant to the demands of the times [3].
In the context of globalization and increasingly fierce competition, students need to be equipped with skills that can increase their competitiveness in an ever-changing job market.E-Learning, as a digital learning tool, provides greater accessibility to educational resources and allows students to learn independently through digital platforms.Therefore, this research will explore the extent to which the application of E-Learning can be effective in increasing innovation and creativepreneur skills among university students [4].The literature review forms the main basis of this research, highlighting the positive impact of E-Learning in facilitating innovative learning and the development of entrepreneurial skills [5].Several previous studies have indicated that the use of digital technology in the learning process can encourage creative and innovative thinking among students [6].Therefore, this research is directed at exploring more deeply the effectiveness of implementing E-Learning in increasing innovation and creativepreneurship skills in higher education [7].
The urgency of this problem lies in the urgent need to ensure that the higher education system is able to keep up with current developments and provide optimal support for the development of students as innovators and entrepreneurs.In line with economic dynamics and technological developments, it is hoped that this research will provide a clearer view of the potential of E-Learning as an effective tool for advancing creativity and entrepreneurial spirit among students [8], [9].The aim of this research is to gain an in-depth understanding of the extent to which E-Learning can be effective in fostering innovation and creativepreneurship skills among college students.By analyzing quantitative and qualitative data, this research seeks to provide insights that can be the basis for developing better online learning strategies to support the growth of students' creativity and entrepreneurial spirit, so that they can become reliable agents of change in society [10].

LITERATURE REVIEW
In detailing the literature relevant to research studies regarding the effectiveness of E-Learning in increasing innovation and creativepreneur skills in higher education, we can explore works that provide a strong theoretical and empirical foundation [11].One significant source is the book "Teaching in a Digital Age: Guidelines for Designing Teaching and Learning" by Tony Bates [12].This book discusses in depth the potential of E-Learning in improving the quality of learning and creating an environment that supports student creativity.With a focus on effective learning design, Bates highlights how technology can be used to stimulate creative and innovative thinking among students [13].
In addition, the meta-analysis results in the work "Evaluation of Evidence-Based Practices in Online Learning" by Means, Toyama, Murphy, Bakia, and Jones provide a deep understanding of the effectiveness of online learning [14].Through this research, empirical evidence can be found about the positive impact of E-Learning on student learning achievement and skill development [15].
However, it is also important to pay attention to the analytical aspects of big data in the context of E-Learning, as discussed in "Guest Editorial-Learning and Knowledge Analytics: The Rise of Big Data" by Siemens and Gasevic.They highlight the important role of big data analysis in providing deep insights into student learning patterns, which in turn can make a major contribution to improving creative and entrepreneurial aspects [16].
Meanwhile, "NMC Horizon Report: 2014 Higher Education Edition" by Johnson, Adams Becker, Estrada, and Freeman is an important reference in identifying emerging educational technology trends [17].This report provides insight into how technological developments can impact innovation and entrepreneurial skills in the E-Learning context.
Finally, the article by Conole and Dyke, "What are the affordances of information and communication technologies?"provides a basic understanding of how information and communication technology features, including E-Learning, can facilitate innovation and entrepreneurial learning.This entire literature, with its various perspectives, forms a solid basis for exploring the role of E-Learning in enhancing the creative and entrepreneurial aspects of students in higher education [18].

METHOD
This research aims to explore the impact of implementing E-Learning on the development of innovation and creativepreneur skills among university students [19].The research method that will be used involves qualitative and quantitative approaches in order to gain an in-depth and measurable understanding of the influence of E-Learning in the learning context [20].The scope of this research will include active students at several universities that have adopted the E-Learning system [21].
1. Approach: This research will adopt a qualitative and quantitative approach.A qualitative approach was used to gain an in-depth understanding of students' experiences in using E-Learning and its impact on creativity and entrepreneurship.Meanwhile, a quantitative approach will be used to measure the extent of the effectiveness of E-Learning in increasing innovation and creativepreneurship skills through statistical data analysis [22]. 2. Scope or Object: This research will focus on college students who are involved in the use of E-Learning.The research object involves the online learning process, student interaction with the E-Learning platform, and its impact on innovative development and entrepreneurial skills.3. Variable Operational Definition/Research Focus Description: 4. Independent Variable: Implementation of E-Learning. 5. Dependent Variable: Level of student innovation and creativepreneurship skills.6. Research Focus: Identifying the relationship between the use of E-Learning and increasing student innovation and creativepreneur skills [23].7. Place: This research will be carried out at several universities that have a wellimplemented E-Learning system.The choice of college will involve a variety of contexts and student characteristics.8. Population and Sample/Informants: Population: Active students at universities who use E-Learning.9. Sample: The sample will be randomly selected from several universities representing various disciplines and semester levels [24].10.Material: Secondary data in the form of recordings of student interactions with the E-Learning platform, as well as related literature.11.Main Tools: Online surveys, in-depth interviews, and observations as the main data collection instruments [25].12. Data collection technique: Online Survey: To collect quantitative data regarding student perceptions of the effectiveness of E-Learning [26].13.In-Depth Interviews: To gain deeper qualitative insights into students' experiences and the factors influencing their innovation and entrepreneurship [27].14.Observation: To directly observe student interactions with the E-Learning platform [28].15.Statistical Analysis: Using statistical software to analyze survey data and identify patterns of relationships between variables [29].
Qualitative Analysis: A thematic approach will be used to analyze interview and observation data, focusing on findings related to innovation and entrepreneurial skills.With a combination of qualitative and quantitative approaches, as well as the use of various data collection and analysis techniques, this research is expected to provide a holistic and in-depth understanding of the role of E-Learning in increasing innovation and creativepreneurship skills among university students [30].

Deep interview
Conduct in-depth interviews with experts in the field of business education, entrepreneurs who have implemented the Lean Startup methodology, and academics who specialize in entrepreneurship education.This interview aims to gather diverse perspectives on needs, challenges and opportunities in designing relevant curricula.

Case Study
Conduct case studies on institutions that have implemented elements of the Lean Startup methodology in their curriculum.Analyze the impact of this implementation on student learning outcomes and their success after graduation.

Survey
Distribute a survey to students and alumni of business programs to assess their perceptions of the effectiveness of the education they received in preparing them for the world of digital business.The survey also aims to identify gaps in knowledge and skills that they experience.

Data analysis
Use thematic analysis to identify key themes from interview and survey data.Apply content analysis to case study data to extract best practices and lessons that can be applied in curriculum design.

Prototype Curriculum Design
Develop a curriculum prototype based on findings from collected data.This prototype will be tested with focus groups consisting of prospective students, entrepreneurs, and educators to get feedback and iterate on the design.

Validation
Conduct pilots on designed curriculum modules with student cohorts to test their effectiveness in real learning environments.Collect and analyze feedback from students and teachers to make further adjustments to the curriculum.
This method allows research to not only identify theoretical principles that should be integrated into digital business study programs but also to understand how these principles can be practically applied in educational settings.The end result is a curriculum framework that can be adapted and adopted by educational institutions wishing to prepare their students for the challenges and opportunities in digital business.

RESULTS AND DISCUSSION
This research reveals important findings regarding the design and implementation of digital business study programs that integrate the Lean Startup methodology.First, an analysis of traditional business curricula compared to the needs of today's digital industry highlights a significant skills gap.Skills such as basic programming, data analysis, UX/UI understanding, and the ability to adapt and solve complex problems, which are increasingly important in the digital economy, are often not emphasized enough.This indicates the need for a more dynamic and responsive curriculum that can adapt to rapid changes in technology and business practices.
The Lean Startup methodology, which emphasizes iterative learning and product development responsive to customer feedback, was enthusiastically received by students and faculty.The implementation of these practices in the curriculum has increased student engagement and given them the tools to face real challenges in business.A prototype curriculum designed based on Lean Startup principles demonstrated improvements in student learning outcomes, with many reporting increased confidence in identifying market opportunities and developing viable business strategies.
Further discussion of the skills gap emphasizes the importance of education that is oriented towards skills and competencies that can be directly applied in a professional context.The curriculum should allow students to develop the necessary technical skills while also strengthening their soft skills through simulations, real projects, and interactions with industry professionals.

Figure 2. Business Plan
Discussions about the acceptance of the Lean Startup methodology suggest that this approach can help overcome some of the shortcomings of traditional business education by introducing students to concepts such as MVP, pivots, and customer validation.This emphasizes the importance of experience-oriented learning, where students can learn from failure and success in a controlled and supportive environment.
The prototype curriculum focused on Lean Startup has transformed the students' learning experience, enabling them to engage in a more dynamic and practical learning process.This not only enhances their theoretical knowledge but also strengthens their practical skills, increases students' job readiness, and prepares them to contribute effectively in the ever-evolving digital economy.This research shows that the integration of Lean Startup methodology into digital business study programs offers significant potential to improve the quality and relevance of entrepreneurship education, providing a framework for educational institutions to design curricula that are adaptive and responsive to the needs of the evolving digital business industry.Users provide more length ChatGPT Results and Discussion: This research yielded in-depth insights into how Lean Startup methodology can be integrated into digital business curricula to bridge the skills gap that exists between traditional business education and the demands of the modern job market.Comparative analysis between traditional business curricula and digital industry needs shows that there is a significant shortage in the technical and analytical skills required to operate effectively in the digital economy.These skills include not only aspects of information technology such as programming and data analysis, but also the design thinking, innovation, and creativity skills necessary to develop user-centered solutions.
Additionally, soft skills such as communication, teamwork, and adaptive leadership are also necessary to lead in a fast-paced and often ambiguous environment.In terms of acceptance of the Lean Startup methodology, this research found that this approach resonates deeply with students and faculty.This methodology is appreciated for its focus on action-based learning and rapid adaptation based on market feedback.A curriculum that adopts Lean Startup principles has been proven to increase student engagement and give them practical tools to face real challenges in business.Students involved in this prototyping curriculum reported increased confidence in their ability to identify market opportunities, develop a minimum viable product (MVP), and iterate based on customer feedback.Further discussion of the skills gap underscores the importance of education oriented towards skills and competencies that can be directly applied in professional contexts.A well-designed curriculum should allow students to develop necessary technical skills while also strengthening skills their software through simulations, real projects, and interactions with industry professionals.Discussions about the acceptance of the Lean Startup methodology suggest that this approach can help overcome some of the shortcomings of traditional business education by introducing students to concepts such as MVP, pivots, and customer validation.This emphasizes the importance of experienceoriented learning, where students can learn from failure and success in a controlled and supportive environment.The prototype curriculum focused on Lean Startup has transformed the students' learning experience, enabling them to engage in a more dynamic and practical learning process.This not only enhances their theoretical knowledge but also strengthens their practical skills, increases students' job readiness, and prepares them to contribute effectively in the ever-evolving digital economy.
This research shows that the integration of Lean Startup methodology into digital business study programs offers significant potential to improve the quality and relevance of entrepreneurship education, providing a framework for educational institutions to design curricula that are adaptive and responsive to the needs of the growing digital business industry.Additionally, these findings suggest that a student-centered approach, which allows them to take ownership of their own learning process, is essential in entrepreneurship education.A flexible and adaptable curriculum, which allows students to explore their interests and apply their learning in real projects, is necessary to meet individual needs and career aspirations.This research also highlights the importance of collaboration between educational institutions and industry to ensure that curricula remain relevant and future-oriented.These partnerships can take a variety of forms, including internships, collaborative projects, and mentorship programs that allow students to gain hands-on experience and build their professional networks.Overall, the results and discussion in this research confirm that effective digital business education requires an innovative, adaptive, and sustainable approach that places students at the center of the learning process and prepares them to become leaders and innovators in an ever-changing global economy.

CONCLUSION
In the Industry 4.0 era, financial technology has undergone an unprecedented transformation, especially with the integration of FinTech, Crowdfunding, and Blockchain.The final conclusion of this research confirms that the integration of these three technologies has the potential to revolutionize the financial services sector, creating a new paradigm that is more inclusive, transparent and efficient.FinTech, with its ability to simplify financial processes and increase accessibility, has become a major catalyst for innovation in the industry.Crowdfunding, on the other hand, has enabled individuals and small businesses to access funding sources that were previously difficult to reach, facilitating economic growth and financial inclusion.Meanwhile, Blockchain, with its distributed ledger, offers a revolutionary security and transparency solution, addressing many of the challenges faced by traditional financial systems.However, despite its great potential, there are several obstacles that need to be overcome.Immature regulations, cybersecurity challenges, and issues related to technology adoption are some of the areas that require special attention.
To realize the full potential of this integration, a balanced approach is needed that considers both aspects: exploiting the opportunities offered by new technologies while addressing emerging challenges.In addition, collaboration between stakeholders from the public and private sectors, as well as the academic community, will be key to ensuring that this integration provides maximum benefits for society at large.Education and training will also play an important role in ensuring that individuals and organizations are equipped with the skills and knowledge necessary to utilize these technologies effectively.Thus, this research makes an important contribution to our understanding of the future of financial services in the Industry 4.0 era.By providing valuable insights and concrete recommendations, this research serves as a guide for policymakers, industry practitioners and other stakeholders in formulating strategies and initiatives that will shape a more inclusive, efficient and sustainable future for the financial industry.

Figure 1 .
Figure 1.Research Method 1. Study of literature Conducted an extensive review of existing literature regarding Lean Startup methodology, digital business pedagogy, and curriculum design.Analyze academic documents and publications to identify best practices and relevant theories.2.Deep interviewConduct in-depth interviews with experts in the field of business education, entrepreneurs who have implemented the Lean Startup methodology, and academics who specialize in entrepreneurship education.This interview aims to gather diverse perspectives on needs, challenges and opportunities in designing relevant curricula.3.Case StudyConduct case studies on institutions that have implemented elements of the Lean Startup methodology in their curriculum.Analyze the impact of this implementation on student learning outcomes and their success after graduation.4.SurveyDistribute a survey to students and alumni of business programs to assess their perceptions of the effectiveness of the education they received in preparing them for the world of digital business.The survey also aims to identify gaps in knowledge and skills that they experience.5.Data analysisUse thematic analysis to identify key themes from interview and survey data.Apply content analysis to case study data to extract best practices and lessons that can be applied in curriculum design.6.Prototype Curriculum DesignDevelop a curriculum prototype based on findings from collected data.This prototype will be tested with focus groups consisting of prospective students, entrepreneurs, and educators to get feedback and iterate on the design.7.ValidationConduct pilots on designed curriculum modules with student cohorts to test their effectiveness in real learning environments.Collect and analyze feedback from students and teachers to make further adjustments to the curriculum.
Grace Hardini An academic who focuses on Economics and Business.Marviola is part of the Faculty of Economics & Business at IJIIS Incorporation.He has a strong educational background in economics, and his research interests include topics such as macroeconomics, international finance, and development economics.With a high dedication to research, Marviola has been actively involved in various research projects that contribute to understanding and developments in the field of economics.Contacted at email: MarviolaGraceH@ijiis.asia Tarisya Khaizure A professional in the field of Computer Science who comes from Pandawan Incorporation in New Zealand.Tarisya has a strong educational background in computer science and extensive practical experience in software development.His research interests include natural language processing, artificial intelligence, and web-based application development.Tarisya is actively involved in developing new technologies and continues to contribute to advances in the world of computing.Contacted at email: T.Khaizure@pandawan.ac.nzGelard Godwin A computer scientist based at Rey Corporation in the United States.Gelard has a solid educational background in computer science and extensive experience in software development and artificial intelligence.The research and projects he participates in are often related to data analysis, cyber security, and intelligent systems development.Gelard is known for his creativity in creating innovative technological solutions and contributing to the development of computer science.USA Contacted at email: gerald.godwin@rey.zone