Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
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This Author published in this journals
All Journal Jurnal Mantik International Journal of Applied Finance and Business Studies
Fatma Dwi Jati
Politeknik Negeri Medan, Indonesia
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media

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Overcoming the challenges of ai adoption in banking sector: Security, regulation, and infrastructure Novi Handayani Simbolon; Fatma Dwi Jati; Sondang Beatrix Siahaan
International Journal of Applied Finance and Business Studies Vol. 13 No. 1 (2025): June: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i1.364

Abstract

The adoption of Artificial Intelligence (AI) in the banking sector has rapidly expanded, because bringing benefits in areas such as risk assesment, fraud detection, and personalized services. However, AI adoption faces significant challenges related to security, regulation, and infrastructure. While previous research has explored AI’s potential, there is a gap in comprehensive studies addresing these core challenges, particularly in emerging markets. This research aims to identify and analyze the main barriers to AI adoption in banking, focusing on security, regulatory issues, and infraastructure readiness. A systematic literature review was conducted, synthesizing findings from academic articles, banking reports, and regulatory guidelines published between 2020 and 2024. The result reveal that concerns over data security, inconsistent regulations, and insuffiecient infrastructure hinder AI’s full potential. The concludes of this research showed banks must prioritize cybersecurity, advocate for clearer regulations, and invest in digital infrastrcuture to ensure the secure AI adoption in banking activities.
Developing a Customer Service Communication Model to Enhance Professional Image: A Case Study of Early-Stage Laundry Business Sondang Beatrix Siahaan; Novi Handayani Simbolon; Fatma Dwi Jati; Khanti Listya
Jurnal Mantik Vol. 9 No. 4 (2026): February: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v9i4.6870

Abstract

While early-stage service business often struggle with brand perception, research on standardized communication frameworks for MSME remains limited. This study develops a customer service communication model designed to bridge the gap between operational service and professional image in early-stage laundry businesses. Utilizing the systematic ADDIE (Analysis, Design, Development, Implementation, and Evaluation) framework, this research employs a comprehensive R&D (research and development) approach to ensure the model is both theoretically sound and practically viable. Grounded in the Osgood-Schramm circular communication theory, this research adopts a a qualitative developmental approach. Through semi-structured interviews, field observation, and data triangulation, this study identifies critical touchpoints in the service communication cycle. The result is a synchronized communication flow and a standardized pocketbook guide tailored for three pivotal interactions: customer drop-off, pick-up, and complaint handling. Beyond its practical utility, this research contributes to service communication literature by operationalizing theoretical models into actionable frameworks for informal business sectors. The findings demonstrate that a structured developmental approach to interpersonal communication serves as a vital catalyst for enhancing service quality and fostering long-term business resilience
Co-Authors Khanti Listya Novi Handayani Simbolon Sondang Beatrix Siahaan