Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Technomedia Journal Aptisi Transactions on Management
Dwi Nur Ramadhan
Universitas Raharja
Computer Science & IT Decision Sciences, Operations Research & Management Languange, Linguistic, Communication & Media

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Blockchain Financial Identity for Inclusive Access in Developing Nations Sutama Wisnu Dyatmika; Untung Rahardja; Muhtarom Muhtarom; Dwi Nur Ramadhan; Po Abbas Sunarya; Lily Maria Evans
APTISI Transactions on Management (ATM) Vol 10 No 2 (2026): ATM (APTISI Transactions on Management: May)
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/atm.v10i2.2621

Abstract

The absence of formal financial identity remains a significant barrier to financial inclusion in developing nations, limiting access to essential financial services. Traditional centralized identity systems are often vulnerable to data breaches, fraud, and institutional control, resulting in low public trust. This study aims to explore how blockchain-based identity systems, particularly through the concept of Self-Sovereign Identity (SSI), can address these limitations. The research adopts a qualitative case study approach by analyzing multiple blockchain-based digital identity initiatives across developing regions. The findings reveal that blockchain-enabled SSI enhances data security, transparency, and user autonomy, while improving accessibility to financial services. The key contribution of this study lies in identifying the integration of decentralized identity frameworks as a sustainable solution to strengthen financial inclusion and institutional trust. However, challenges such as infrastructure limitations, scalability issues, and regulatory uncertainty remain critical barriers. This study provides both theoretical insights and practical implications for policymakers, developers, and financial institutions in implementing secure and inclusive digital identity systems.
Platform Based Digital Business Model Analysis to Enhance Sustainable Organizational Competitiveness Marviola Hardini; Suca Rusdian; Dwi Nur Ramadhan; Maulana Arif Komara; Cristiano Gatot Wagner
Technomedia Journal Vol 11 No 1 (2026): June
Publisher : Pandawan Incorporation, Alphabet Incubator Universitas Raharja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/tmj.v11i1.2688

Abstract

The development of the digital economy encourages companies to adopt platform-based business models that connect consumers, merchants, service partners, and technology providers within an integrated ecosystem. This study aims to analyze digital platform business models in enhancing sustainable competitiveness in Indonesia. This study uses a descriptive qualitative approach through literature review, documentation analysis, and digital observation. The analytical framework includes the Business Model Canvas, SWOT Analysis, and Triple Bottom Line to examine value creation, strategic position, and sustainability contributions. Objects include GoTo, Shopee, Tokopedia, and TikTok Shop Indonesia. The findings indicate that network effects, ecosystem integration, artificial intelligence-based personalization, data analytics, and partnerships are key factors in building competitive advantage. SWOT Analysis shows that platform strengths lie in user scale and ecosystem breadth, while the challenges include profitability pressure, promotional dependence, regulation, and global competition. From a sustainability perspective, digital platforms contribute to MSME empowerment, financial inclusion, operational efficiency, green logistics, and ESG implementation. Triple Bottom Line integration relates to SDGs 8, SDGs 9, and SDGs 12. These findings emphasize the importance of balancing economic performance, social impact, and environmental responsibility in Indonesia’s digital platform strategies. Practically, the results support stronger ecosystem governance and inclusive sustainable national economic policies.
Co-Authors Cristiano Gatot Wagner Lily Maria Evans Marviola Hardini Maulana Arif Komara Muhtarom Po Abbas Sunarya Suca Rusdian Sutama Wisnu Dyatmika Untung Rahardja