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ANALYSIS OF TEMBILAHAN PUBLIC UNDERSTANDING OF FINANCIAL TECHNOLOGY AND HOW FINANCIAL TECHNOLOGY-BASED INSURANCE SERVICES WORK Fitri Ramadhani; Rini Aulia; Syarif Lovedly
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 3 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i3.265

Abstract

The development of financial technology (fintech) has driven innovation in financial services, including fintech-based insurance services (InsurTech). However, utilization of these services still faces obstacles in the form of low public understanding, particularly in non-metropolitan areas. This study aims to analyze the Tembilahan community's understanding of fintech and how fintech-based insurance services work, and to identify the factors influencing it. This study used a qualitative method with a descriptive approach. Data were obtained through in-depth interviews with Tembilahan residents selected using purposive sampling. The results indicate that the community generally only understands fintech as a digital payment service and does not yet understand the mechanisms. Service digital insurance. Low digital financial literacy, limited information, and perceived risks regarding data security and the claims process are the main factors contributing to this low understanding. However, after being provided with an explanation, the public showed a more positive attitude toward digital insurance services. Therefore, increasing digital financial literacy and education is necessary to encourage optimal understanding and utilization of insurance fintech.
OPTIMALISASI PEMANFAATAN ARTIFICIAL INTELLIGENCE (AI) DALAM DIGITAL MARKETING UNTUK MENINGKATKAN KOMPETENSI MAHASISWA MENGHADAPI TRANSFORMASI BISNIS DIGITAL Mulia Aminurahman; Mukhlis Yunus; Muhammad Zikri Farhan; Nurul Fadila; Syarif Lovedly
AbdiMasya | Hira Institute Vol. 4 No. 1 (2026): Juli 2026
Publisher : Hira Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The rapid advancement of Artificial Intelligence (AI) has significantly transformed digital marketing practices through automation, data analytics, and more effective content creation. However, many university students still lack adequate knowledge and practical skills to effectively utilize AI in digital marketing activities. This community service program aimed to enhance students' digital literacy and competencies in applying AI to digital marketing through an interactive online seminar conducted via Zoom Meeting. The program involved 180 participants from the Digital Business, Entrepreneurship, Economic Education, and Elementary School Teacher Education (PGSD) Study Programs at Universitas Merangin. An educational and participatory approach was employed through presentations delivered by practitioners and academics with expertise in digital marketing and artificial intelligence, followed by interactive discussions and question-and-answer sessions. The program was evaluated using a Google Forms questionnaire. The results showed that 94.1% of participants gained new insights into the application of AI in digital marketing, 91.7% felt better prepared to use AI tools to support digital marketing activities, and 89.4% perceived the online seminar as effective and interactive. These findings indicate that AI-based interactive seminars are effective in enhancing students' digital literacy, technology-based marketing competencies, and readiness to adapt to the ongoing digital transformation of the business environment.