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All Journal Fakultas Ekonomi Fikruna : Jurnal Ilmiah Kependidikan dan Kemasyarakatan Samarinda International Journal of Islamic Studies
Wati, Maria
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Religion Arts Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Public Health Social Sciences Other

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Journal : Samarinda International Journal of Islamic Studies

 1 
Income Disparities in the Platform-Based Economy: An Analysis of Technology Access and its Implications for Digital Inequality Wati, Maria
Samarinda International Journal of Islamic Studies Samarinda International Journal of Islamic Studies, Vol. 1, No. 2, 2024
Publisher : PT. Berkah Smart Academica

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64093/sijis.v1i2.583

Abstract

This research analyzes digital economic inequality and its impact on income disparity within the platform-based economy era. Through a comprehensive literature review, the study identifies factors contributing to unequal technology access, including infrastructure, digital skills, and socioeconomic aspects. The findings indicate that disparities in technology access significantly limit income-generating opportunities, particularly within the platform economy context. Furthermore, low digital literacy exacerbates this gap, and the platform economy itself can worsen income disparities if workers lack adequate protection. This study contributes to a deeper understanding of the complex dynamics among technology, income, and social inequality. The research findings underscore the urgent need for policies that promote equitable technology access, enhance digital skills, and ensure protection for platform workers.
Digital Transformation in Banking: Shielding Against Cyber Threats and Operational Risks Wati, Maria
Samarinda International Journal of Islamic Studies Samarinda International Journal of Islamic Studies, Vol. 1, No. 3, 2024
Publisher : PT. Berkah Smart Academica

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64093/sijis.v1i3.584

Abstract

This paper examines the digital transformation currently reshaping the banking sector, focusing on the critical nexus of cybersecurity and operational risk management. The objective is to explore the multifaceted challenges and opportunities presented by this transformation, emphasizing the need for robust strategies to mitigate cyber threats and ensure operational resilience. The methodology involves a comprehensive literature review, synthesizing insights from academic journals, industry reports, and case studies. Key findings reveal that while digital transformation offers significant benefits such as enhanced efficiency and customer experience, it simultaneously expands the attack surface for cyber threats. The study highlights the increasing sophistication of cyberattacks and the growing reliance on digital infrastructure, emphasizing the importance of proactive security measures, including artificial intelligence (AI)-based solutions and blockchain technology. The paper concludes with recommendations for financial institutions to adopt a holistic approach to cybersecurity, integrating robust risk management frameworks, fostering collaboration, and investing in advanced technologies to safeguard against potential threats and ensure operational continuity.
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