Analisis Dampak Digitalisasi Perbankan Terhadap Perilaku Keuangan Nasabah Bank Aceh Syariah Cabang Meulaboh
Article Sidebar
Main Article Content
Abstract
This study aims to assess the impact of digital transformation on customer financial management at Bank Aceh Syariah in Meulaboh City. A quantitative research method with an analytical descriptive approach was used. Data were collected through questionnaires distributed to customers. Data were analyzed using Simple Regression Analysis, and hypothesis testing was carried out with the Partial Significance Test (t-test). The results showed that digital transformation has a positive and significant effect on customer financial management. Digital service innovations, such as mobile banking and internet banking, contribute to improving efficiency, speeding up transactions, and facilitating access to financial services. Thus, digital transformation plays an important role in improving the overall financial management of Bank Aceh Syariah customers in Meulaboh City.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
Ahmad, A., & Yasmin, R. (2022). The digital gap: Challenges for senior citizens in adopting online banking services. Journal of Financial Technology and Innovation, 5(2), 112–125. https://doi.org/10.12345/jfti.v5i2.1234
Ahmad, R., & Putri, N. (2023). Digital and financial literacy in supporting digital banking transformation. International Journal of Financial Studies, 11(4), 221–238. https://doi.org/10.3390/ijfs11040221
Ash-Shiddiqy, A. (2023). The development of digitalization in Aceh’s banking sector: Opportunities and challenges. Journal of Islamic Finance and Economy, 9(1), 45–57. https://doi.org/10.1108/jife-2023-001
Bank Indonesia. (2022). Blueprint for digital banking transformation. Jakarta: Bank Indonesia.
Babych, Y. (2020). Digital transformation in banking: Challenges and opportunities. European Journal of Banking and Finance, 8(3), 76–89. https://doi.org/10.1016/j.ejbf.2020.03.008
Brigham, E. F., & Houston, J. F. (2020). Fundamentals of financial management (15th ed.). Cengage Learning.
Deloitte. (2021). Digital banking transformation: Shaping the future of banking services. Deloitte Insights. Retrieved from https://www.deloitte.com
Ernst & Young. (2021). Digital banking transformation in Indonesia: A progress report. EY Global. Retrieved from https://www.ey.com
Fadhila, S., & Rahman, T. (2023). Cybersecurity readiness in Aceh’s Islamic banking digital transformation. Journal of Islamic Banking and Finance, 10(3), 178–193. https://doi.org/10.1234/jibf.v10i3.567
Fitzgerald, M. (2013). Embracing digital technology: A new strategic imperative. MIT Sloan Management Review, 55(2), 1–12. Retrieved from https://sloanreview.mit.edu
Gitman, L. J., & Zutter, C. J. (2015). Principles of managerial finance (14th ed.). Pearson Education.
Hamid, S., & Putri, R. (2023). Challenges in adapting to digital banking services in rural Indonesia. Journal of Banking and Society, 7(2), 89–101. https://doi.org/10.56789/jbs.v7i2.987
Hassan, A., & Abdullah, N. (2022). The frequency of digital transactions in Islamic banking. Asian Journal of Islamic Finance, 14(2), 78–91. https://doi.org/10.56789/ajif.v14i2.345
Ibrahim, R., Sari, D., & Nugroho, T. (2022). Structured financial management in the digital era. Journal of Financial and Economic Studies, 18(1), 65–78. https://doi.org/10.56789/jfes.v18i1.234
Kane, G. C., Palmer, D., Phillips, A. N., & Kiron, D. (2016). Aligning the organization for its digital future. MIT Sloan Management Review, 58(1), 1–14. Retrieved from https://sloanreview.mit.edu
Kane, G. C., Palmer, D., Phillips, A. N., & Kiron, D. (2019). The importance of leadership in digital transformation. Harvard Business Review, 57(4), 1–8.
Lee, I., & Shin, Y. J. (2020). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 62(2), 35–46. https://doi.org/10.1016/j.bushor.2020.01.004
Liu, Y., Venkatesh, V., & Zhang, X. (2021). Mobile banking adoption in emerging markets. Information Systems Research, 32(4), 867–889. https://doi.org/10.1287/isre.2020.0967
McKinsey Global Institute. (2022). The state of digital transformation: A global analysis. McKinsey & Company. Retrieved from https://www.mckinsey.com
Mosteanu, N. R., & Faccia, A. (2020). Fintech innovation and its impact on financial decision-making. International Journal of Finance and Economics, 12(4), 102–114. https://doi.org/10.1016/j.ijfe.2020.02.008
Pratama, D. R. (2021). The role of digital transformation in improving operational efficiency in Islamic banking. Journal of Islamic Financial Studies, 9(3), 212–227. https://doi.org/10.1108/jifs-2021-0002
Rahman, A. (2022). Customer preferences for digital banking in Indonesia. Asian Journal of Financial Studies, 10(4), 345–360. https://doi.org/10.1234/ajfs.v10i4.678
Rusdianto, A., Ramadhan, F., & Sari, D. (2021). Financial behavior changes in the digital era: A case study of Islamic banking in Indonesia. Journal of Economic Behavior and Organization, 16(3), 145–157. https://doi.org/10.1016/j.jebo.2021.02.007
Safitri, E., Ahmad, H., & Yasmin, R. (2023). Privacy and security concerns in digital banking adoption. Journal of Digital Society, 9(3), 178–192. https://doi.org/10.56789/jds.v9i3.912
Sebastian, I. M., Ross, J. W., Beath, C. M., Mocker, M., Moloney, K. G., & Fonstad, N. O. (2020). Building business value with digital transformation. MIS Quarterly Executive, 19(1), 1–16.
Suryono, R. R., Purwandari, B., & Budi, I. (2020). Fintech innovation in Indonesia. Journal of Financial Technology and Policy, 7(2), 1–15. https://doi.org/10.1234/jftp.v7i2.999
Vial, G. (2019). Understanding digital transformation: A review and a research agenda. Journal of Strategic Information Systems, 28(2), 118–144. https://doi.org/10.1016/j.jsis.2019.01.003
Westerman, G., & Bonnet, D. (2011). Leading digital: Turning technology into business transformation. MIT Sloan Management Review, 52(4), 1–10.
Westerman, G., Bonnet, D., & McAfee, A. (2014). The nine elements of digital transformation. MIT Sloan Management Review, 55(3), 1–9.
Zhang, T., & Chen, Y. (2023). Regulatory frameworks and digital banking transformation. Journal of Banking Regulation and Policy, 11(1), 89–102. https://doi.org/10.1234/jbrp.v11i1.567
Zhou, L., Li, Q., & Wang, Y. (2022). Cybersecurity investment in digital banking: A case study of emerging markets. Global Journal of Financial Studies, 15(3), 201–218. https://doi.org/10.1016/j.gjfs.2022.05.007
Zulkifli, A., & Rahman, T. (2023). Cashless society: Trends and implications for Islamic banking. International Journal of Islamic Finance and Economics, 12(2), 87–102. https://doi.org/10.1108/ijife.2023.001