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All Journal JURNAL BISNIS STRATEGI Jurnal Pariwisata Pesona Jurnal Penelitian Ekonomi dan Bisnis Jurnal Manajemen Atma Jaya EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Fokus Ekonomi SEIKO : Journal of Management & Business Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan International Journal of Supply Chain Management Jurnal STIE Semarang (Edisi Elektronik) Sebelas Maret Business Review Jurnal Ekonomi Manajemen Jurnal Ekonomi Manajemen Sistem Informasi Review of Management and Entrepreneurship Jurnal E-Bis: Ekonomi Bisnis Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia Journal of Management and Bussines (JOMB) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Pengabdian kepada Masyarakat Nusantara Journal of Management and Business Environment (JMBE) Journal of Sustainable Business Hub (JSBH) Jurnal Pengabdian kepada Masyarakat Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Ekonomi Jurnal Manajemen Journal of Accounting and Finance Management (JAFM) Indonesian Management and Accounting Research Media Riset Bisnis & Manajemen Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka)
Santoso, Ignatius Hari
Universitas STIKUBANK
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Public Health Social Sciences Transportation Other

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INTERGENERATIONAL CONSUMER BEHAVIOR : A SYSTEMATIC REVIEW FROM 2001 UNTIL 2024 Santoso, Ignatius Hari; I Made Sukresna
Jurnal Manajemen Vol. 22 No. 1 (2025): Jurnal Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/jm.v22i1.6674

Abstract

This systematic literature review explores the evolving landscape of intergenerational consumer behavior by analyzing 35 peer-reviewed articles, which were published between 2001 and 2024. Using the PRISMA framework, this review identifies the key pattern, mechanism, and cultural context that shape the consumers’ preference across generational cohort. The findings reveal a significant shift from the traditional unidirectional influence toward a bidirectional dynamic influence, where the younger generation increasingly influences the household consumption, specifically in digital and lifestyle related product category. This review uncovers six thematic clusters: Brand Identity and Emotional Meaning, Direction of Influence, Cultural Orientation, Lifestyle and Product Category, Advertising and Media Exposure, and Peer and Family Interaction.
Fraud Intention in the Indonesian Banking Industry: a Development for Fraud Diamond Theory Measurement Scale Santoso, Ignatius Hari; Mulyo Budi Setiawan; Ali Maskur
Indonesian Management and Accounting Research Vol. 24 No. 2 (2025): Indonesian Management and Accounting Research
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisns, Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v24i2.21883

Abstract

This study investigates the factors that contribute to fraud intention within the Indonesian banking industry, focusing on job pressure, opportunity, rationalization, professional capacity, and job insecurity, based on the Fraud Diamond Theory. By employing a mixed-method approach, we first develop a fraud intention measurement scale through interviews and focus group discussions, followed by hypothesis testing on a sample of 100 banking employees. Findings reveal that high job pressure and job insecurity significantly influence fraudulent intentions, especially when employees perceive opportunities and rationalize fraudulent actions. These insights emphasize the need for realistic performance expectations, robust internal controls, and a supportive work environment in banks to mitigate fraud risks. This study enhances the understanding of fraud dynamics in Indonesian banks and suggests directions for future research, including a broader geographical scope and examination of corporate culture's role in fraud prevention.
FOMSUMERISM : MENGEMBANGKAN PERILAKU CONFORMITY CONSUMPTION DENGAN MEMANFAATKAN FEAR OF MISSING OUT KONSUMEN Widyasari, Suzy; Soliha, Euis; Santoso, Ignatius Hari
Jurnal Ilmiah Bisnis dan Ekonomi Asia Vol 15 No 2 (2021): Jurnal Ilmiah Bisnis dan Ekonomi Asia
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jibeka.v15i2.230

Abstract

This research is purposed to analyze the effect of FoMO to the conformity consumption behavior. Total samples used in this research is 150 respondents which comprised of 47 respondents with 5-7 times accessing social media and the rest of it more than 8 times accessing social media in a day. Using the convinience and purposive sampling technique, researcher gained 100%% response rate. All data are examined by multiple regression and provide significant effect of anxiety of isolation as the predictor of conformity consumption behavior.
Pembekalan dan Persiapan Masuk Dunia Industri bagi Siswa – Siswi SMK Islamic Centre Baiturrahman Semarang Budi Setiawan, Mulyo; Retnowati, Retnowati; Mulyani, Sri; Hari Santoso, Ignatius
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 5 No. 2 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v5i2.3110

Abstract

Pengabdian kepada masyarakat ini diyakini memiliki dampak yang sangat signifikan bagi para pelajar yang saat ini sedang menempuh pendidikan di tingkat SMK terutama yang memiliki program studi Keuangan dan Perbankan baik konvensional maupun syariah. Tujuan dari pengabdian kepada masyarakat ini adalah untuk memberikan persiapan kepada siswa – siswi SMK yang akan memasuki DIDUKA keuangan dan perbankan di Indonesia dalam bentuk pemahaman akan pentingnya well groom atau berpenampilan secara profesional serta keahlian teknis dalam memahami core banking system yang terkini dan sesuai dengan dunia kerja. Kegiatan pengabdian kepada masyarakat khususnya bagi siswa – siswi SMK perlu dilakukan secara kontinyu dengan mengangkat topik yang berbeda agar siswa – siswi SMK mendapatkan bekal yang lebih baik dalam memasuki dunia industri dan dunia kerja. Hasil dari kegiatan pengabdian ini, siswa – siswi menjadi lebih paham mengenai persiapan memasuki dunia kerja khususya di industri perbankan, serta dapat mengimplementasikan konsep well groom dalam dunia perbankan. Simpulan dari kegiatan ini adalah pentingnya kegiatan sharing pengalaman dan ilmu – ilmu praktis yang dimiliki oleh tim dosen dalam mempersiapkan siswa – siswi SMK Islamic Centre Baiturrahman dalam menghadapi persaingan kerja.
DO WE STILL NEED HUMAN IN DIGITAL BANKING? REDESIGN OF ARTIFICIALLY INTELLIGENT DEVICE USE ACCEPTANCE (AIDUA) MODEL MODERATED BY GENDER DIFFERENCES Kartika, Candra; Santoso, Ignatius Hari
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 3 (2025): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v18i3.22630

Abstract

This study modifies and tests the Artificially Intelligent Device Use Acceptability (AIDUA) model in the Indonesian setting to assess consumer acceptability of Artificially Intelligent Devices (AIDs) in digital banking services. The study specifically examines how performance expectancy, hedonic incentive, social influence, and perceived intrusiveness influence users' desire to use AIDs. It also looks at how gender regulates this willingness. 96 legitimate respondents with prior experience with AI-based digital banking services provided data for the study, which used a quantitative explanatory research approach. Both measurement and structural models were evaluated through the use of Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4.0. The findings indicate that hedonic motivation, social influence, and perceived intrusiveness significantly affect willingness to use AIDs, while performance expectancy does not. Additionally, gender does not moderate the relationship between the cognitive constructs and behavioral intention. The model explains 94.8% of the variance in users' willingness, suggesting strong explanatory power. The results suggest that, from a practical perspective, financial institutions should place more emphasis on AI interfaces that are emotionally compelling, socially acceptable, and privacy-preserving than just performance advantages. This study contributes to our understanding of AI's adoption in banking and offers valuable insights for developing digital banking systems that are inclusive and trustworthy. Keywords: Social Influence; Performance Expectancy; Perceived Intrusiveness; Hedonic Motivation; Willingness to use AI Device; Digital Banking
INTERGENERATIONAL INSIGHT OF FRAUD INTENTION IN DIGITAL BANKING: WHAT MAKES CUSTOMERS GO ROGUE? Ali Maskur; Santoso, Ignatius Hari
Jurnal Manajemen Vol. 22 No. 2 (2025): Jurnal Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/jm.v22i2.6735

Abstract

This study investigates the factors influencing customers' intention to commit fraud in the context of mandatory digital banking, with a focus on intergenerational differences between Generation Y and Millennials. Guided by the Fraud Triangle Theory, the research explores how perceived opportunity, financial pressure, and rationalization contribute to fraud intention. A mixed-method approach was employed, beginning with in-depth qualitative interviews followed by a quantitative survey of 100 digital banking users in Indonesia. The constructions were validated through factor analysis, and the model was tested using Partial Least Squares (PLS-SEM). The findings reveal that perceived opportunity and rationalization significantly influence fraud intention, while financial pressure does not. Furthermore, generational differences do not moderate the relationships between the predictors and fraud intention. These results highlight the importance of improving digital system integrity and addressing ethical rationalizations to prevent fraud. The study contributes to a deeper understanding of consumer-initiated financial fraud in the digital age and suggests avenues for more targeted fraud prevention strategies.
INTERGENERATIONAL INSIGHT OF FRAUD INTENTION IN DIGITAL BANKING: WHAT MAKES CUSTOMERS GO ROGUE? Ali Maskur; Santoso, Ignatius Hari
Jurnal Manajemen Vol. 22 No. 2 (2025): Jurnal Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/jm.v22i2.6735

Abstract

This study investigates the factors influencing customers' intention to commit fraud in the context of mandatory digital banking, with a focus on intergenerational differences between Generation Y and Millennials. Guided by the Fraud Triangle Theory, the research explores how perceived opportunity, financial pressure, and rationalization contribute to fraud intention. A mixed-method approach was employed, beginning with in-depth qualitative interviews followed by a quantitative survey of 100 digital banking users in Indonesia. The constructions were validated through factor analysis, and the model was tested using Partial Least Squares (PLS-SEM). The findings reveal that perceived opportunity and rationalization significantly influence fraud intention, while financial pressure does not. Furthermore, generational differences do not moderate the relationships between the predictors and fraud intention. These results highlight the importance of improving digital system integrity and addressing ethical rationalizations to prevent fraud. The study contributes to a deeper understanding of consumer-initiated financial fraud in the digital age and suggests avenues for more targeted fraud prevention strategies.
Co-Authors Ali Maskur Ali Maskur Annatiqa Rismayanti Bagas Mahendra Indriawan Bambang Sutedjo Bambang Suteja Batara Daniel Bagana Cantika Dewi Purnama Putri Cantika Dewi Purnama Putri Deviyola Kurnia Ramadhani Dina Lusianti Dyah Ayu Rachmawati Dewi Euis Soliha Farhan Fauzi Febriani, Okky Febrianto, Boggy Galuh Puspaningrum Habsy Qorisu Nurhafidz Hardiyanti, Widhian Hartarini, Yovita Mumpuni I Made Sukresna Kartika, Candra Kartika, Erawati Lie Liana . Lucky Khusnul Khotimah Lutfi Nurcholis Mansyur, Anwar Mas?ud, Fuad Matoati, Rindang Meida Rachmawati Meida Rachmawaty Moch Irsad, Moch Muhaimin Muhaimin Muhammad Ali Ma’sum Mulyo Budi Setiawan Mulyo Budi Setiawan Mulyo Budi Setiawan, Mulyo Nurul Syafaah Nurulita, Riza Safira Prataga, Dimas Ikbal R.A. Marlien Retnowati Retnowati Solly Aryza Sopi Sopi Sri Mulyani Sri Nawatmi Sri Yulianto Fajar Pradapa Suharnomo Suharnomo Suzy Widyasari Toto Suharmanto Yovita Mumpuni Hartarini