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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar IIJSE Journal Of Management Analytical and Solution (JoMAS)
Dicky Arpillo Siregar
Universitas Nahdlatul Ulama Sumatera Utara, Medan, 20125, Indonesia
Economics, Econometrics & Finance Other

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INOVASI FINTECH DAN IMPLIKASINYA TERHADAP PERBANKAN KONVENSIONAL DI ERA MASYARAKAT DIGITAL Dicky Arpillo Siregar; Taufik Hidayat; Fatimah Pohan; Ruhilah Lubis
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 9 No. 3 (2024): Volume 09 No. 03 September 2024
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v9i3.20166

Abstract

The aim of this research is to analyze the impact of Financial Technology (FinTech) innovation on conventional banking and identify the challenges and opportunities that arise in the era of digital society. This research also aims to explore how conventional banks can adapt to technological developments and competition from FinTech companies. The research method used is a qualitative method with a case study approach. Data was collected through in-depth interviews with professionals in the financial industry, document analysis, and a review of relevant literature. Data analysis was carried out thematically to identify patterns and relationships between the variables studied. The research results show that FinTech innovation brings various benefits to consumers, such as ease of access, speed of service, and lower costs. However, conventional banks face significant challenges in adapting to new technology and the more flexible business models of FinTech companies. Conventional banks that successfully adapt are those that are able to integrate digital technology into their operations, collaborate with FinTech companies, and offer more personalized and innovative services. This research also finds that regulations that are adaptive and support innovation are very important to create a balanced financial ecosystem. Conventional banks need to develop comprehensive digital strategies to remain relevant and competitive in this digital era. With the right strategy, conventional banks can increase operational efficiency, expand service coverage and improve customer experience. This research provides valuable insights for conventional banks, FinTech companies and regulators in managing the dynamics of the financial industry in the digital era, as well as encouraging the creation of an innovative and inclusive financial ecosystem.
Artificial Intelligence-Based Talent Management and Its Impact on Employee Engagement and Organizational Resilience Dicky Arpillo Siregar; Fatimah Pohan; Ramadani Ramadani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9755

Abstract

The rapid advancement of Artificial Intelligence (AI) has transformed human resource management, particularly in organizational talent management. This study examines the effect of AI-based talent management on employee engagement and its impact on organizational resilience. A quantitative approach was employed using a survey of employees from service organizations and knowledge-based industries in Indonesia. Data were analyzed using Structural Equation Modeling (SEM) to test direct and indirect relationships among variables. The findings indicate that AI-based Employee engagement is positively and significantly impacted by talent management, which in turn significantly influences organizational resilience. Additionally, AI-based talent management directly affects organizational resilience, both independently and through the mediating role of employee engagement. These results highlight the importance of AI-driven talent management in enhancing organizational adaptability and sustainability amid dynamic environmental changes.
Determinants of Artificial Intelligence Adoption among MSMEs in Medan City: The Role of Digital Literacy and Human Resource Readiness Ramadani; Lisa Tinaria; Dicky Arpillo Siregar; Maya Rizki Sari; Lina Wati
Journal Of Management Analytical and Solution (JoMAS) Vol. 6 No. 3 (2026): Journal of Management Analytical and Solution (JoMAS)
Publisher : TALENTA Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jomas.v6i3.26738

Abstract

The rapid advancement of Artificial Intelligence (AI) has accelerated digitaltransformation across various sectors, including Micro, Small, and MediumEnterprises (MSMEs). Nevertheless, AI adoption among MSMEs remainsinfluenced by several factors, particularly digital literacy and human resourcereadiness. This study aims to examine the effects of digital literacy and humanresource readiness on AI adoption among MSMEs in Medan City, Indonesia. Aquantitative approach with an explanatory research design was employed. Thestudy involved 80 MSMEs owners selected through purposive sampling. Datawere collected using a structured questionnaire and analyzed using multiplelinear regression with IBM SPSS Statistics 30. The results show that digitalliteracy has a positive and statistically significant effect on AI adoption (β =0.202; p = 0.042), while human resource readiness has a stronger positive andstatistically significant effect (β = 0.638; p < 0.001). Simultaneously, bothvariables significantly affect AI adoption (F = 65.140; p < 0.001), with an R² of0.629, indicating that 62.9% of the variance in AI adoption is explained by themodel. These findings highlight the importance of strengthening digital literacyand human resource readiness to support AI adoption among MSMEs. The studycontributes empirical evidence for policymakers and MSMEs supportinstitutions in developing targeted capacity-building programs to acceleratesustainable digital transformation.
Co-Authors Fatimah Pohan Fatimah Pohan Lina Wati Lisa Tinaria Maya Rizki Sari Ramadani Ramadani Ramadani Ruhilah Lubis Taufik Hidayat