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All Journal Jurnal Ilmiah Manajemen Kesatuan Journal of Research in Social Science and Humanities
Maya Macia Sari
Universitas Pembangunan Panca Budi, Indonesia
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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The role of Financial Technology by Indonesian Digital Banks Maya Macia Sari; Noni Ardian
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 2 (2026): JIMKES Edisi March 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i2.4728

Abstract

One of the key pillars supporting the operations of digital banks is cloud computing technology, which enables flexible management of data and applications through the internet. Cloud computing has become an ideal solution for digital banks because it offers efficiency in managing information technology infrastructure. This study aims to examine the use of cloud computing technology by digital banks in Indonesia. A qualitative approach with a case study method was employed to analyze how cloud computing is utilized by Indonesian digital banks. The findings of this study indicate that cloud computing technology has a significantly positive impact on the operations of digital banks in Indonesia. A total of 75% of digital banks reported a reduction in operational costs of up to 30% after adopting cloud computing, while 60% noted improvements in data access speed due to the flexibility of the infrastructure. Service scalability is also a major advantage, with 55% of banks able to increase capacity without making substantial investments in additional infrastructure. Furthermore, the integration of cloud technology with big data and artificial intelligence allows 70% of banks to enhance service personalization, such as more accurate product recommendations and improved fraud detection. However, this study also identifies several key challenges, including data security concerns experienced by 40% of digital banks, as well as compliance with local regulations, which remains an obstacle for 50% of banks.
Analysis of the Effect of Financial Literacy on Saving Interest of PT Originalnest Medan Employees Roma Ito Aritonang; Maya Macia Sari
Journal of Research in Social Science and Humanities Vol 4, No 2 (2024)
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v4i2.180

Abstract

This study was conducted to determine and analyze the effect of financial literacy on saving interest. The measurement of financial literacy used in this study is financial knowledge and financial attitudes. The location of this research was conducted at PT Originalnest Pancing Medan. This type of research is descriptive research with a quantitative approach. The research method is multiple linear regression analysis with a sample of 100 employees. The results showed that partially the financial knowledge variable had no effect on employee interest in saving. Financial attitude variables have a significant positive effect on employee interest in saving. While simultaneously the financial knowledge and financial attitude variables have a significant positive effect on the dependent variable of employee saving interest.
Co-Authors Noni Ardian Roma Ito Aritonang