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All Journal JURNAL BISNIS STRATEGI Jurnal Pariwisata Pesona Journal of Economics, Business, & Accountancy Ventura 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 Manajemen dan Inovasi (MANOVA) Jurnal Pengabdian kepada Masyarakat Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Ekonomi Telaah Bisnis 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) SEMANIS
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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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.
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.
UPAYA PENINGKATAN PENJUALAN PRODUK PERAWATAN KULIT : PENGADOPSIAN STRATEGI VIRAL MARKETING Riza Safira Nurulita; Ignatius Hari Santoso
Prosiding SEMANIS: Seminar Manajemen Bisnis Vol. 1 No. 1 (2023): Februari 2023
Publisher : Prosiding SEMANIS: Seminar Manajemen Bisnis

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

Abstract

Differences in marketing tools due to technological developments allow marketers to customize and use digital platforms, one of which is using of viral marketing strategies. This study confirms the role of viral marketing strategies in Azarine's skincare product purchase intentions and attempts to measure the effectiveness of these strategies on sales. By using 100 respondents spread across different cities in Indonesia via social media, the results proved that viral marketing strategies divided into messenger, messages and environments, can be significant predictors of consumer’s purchase intention. The relationship between the designs was tested by SmartPLS4 with the path analysis technique, showed that increased interaction and product engagement generated interest in purchases and effectively increased sales in the short term
The adoption of the Islamic banking service: non-Muslim communities perception and intention Kartika, Erawati; Santoso, Ignatius Hari
Sebelas Maret Business Review Vol 7, No 2 (2022): December 2022
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v7i2.60833

Abstract

this study aims to reconfirm the theory regarding the intention to adopt the services of Islamic banking institutions. Respondents used in this study were obtained through the snowball technique as many as 89 non-Muslim communities. the sample was taken using the snowball technique with the main criteria, the respondent had never used the services or products of an Islamic banking institution. This research proves that only the perceived quality of information can have a significant effect by using the constructs of perceived quality of information, perceived benefits, and subjective norms. Previously, the data was analyzed using the bootstrapping technique on the Smart PLS application. One of the interesting findings from this research is that even though the respondents did not understand in depth about the operational mechanisms of Islamic banking institutions, they were informed that the features and explanations of each product offered through the media could be well understood. The main limitation in this study is, of course, the number of samples used. In addition, further research is also needed using more specific questionnaire items on one of the Islamic banking products or services.
Gojek -Tokopedia: the desire of Micro, Small and Medium Enterprises to become merchant members Dewi, Dyah Ayu Rachmawati; Santoso, Ignatius Hari
Sebelas Maret Business Review Vol 7, No 1 (2022): June 2022
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v7i1.58278

Abstract

This research aims to identify factors that significantly impact the interest in adopting Tokopedia as the marketplace of choice for micro, small and medium enterprises. By using 100 samples with criteria not yet registered as a merchant member at Tokopedia, this research proves that of the three variables tested, only one variable has been shown to have a significant impact, namely brand awareness. While the other two variables, namely brand ambassador and electronic WoM, had no significant effect. Before running the path analysis using the Smart PLS program, the researcher tested the validity and reliability with the outer loading, average variance extracted, and composite reliability parameters sequentially. Thus, based on the results of this research, Tokopedia can create other activities that encourage increased brand awareness of the brand.
Revolutionizing Digital Banking: Bridging Generational Gaps to Deliver Exceptional Customer Loyalty Ignatius Hari Santoso; Maryono Maryono; Ali Maskur; Sri Nawatmi; Mulyo Budi Setiawan
Telaah Bisnis Vol. 26 No. 2 (2025): December 2025
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/tb.v26i2.628

Abstract

This study investigate how omnichannel integration quality comprised of channel consistency, channel transparency and channel connectivity shape the online customer experience and its subsequent influence the willingness to stay in digital banking. Drawing upon the Stimulus – Organism – Response framework, the research also examined whether the generational cohorts moderate these relationship. A quantitative method with purposive sampling is employed, involving 90 valid response from Indonesian digital banking users, belonging to Generation Y and Z. Structural equation modelling using Smart PLS is applied to assess. The findings reveal that channel connectivity does not exert a meaningful effect. Furthermore, online customer experience strongly predicts the customers’ willingness to stay. These result suggest that consistency and transparency remain critical lever for optimizing digital experiences, while connectivity has become baseline expectation rather than a differentiating factor. This research extends the online customer experience and omnichannel literature by highlighting generational convergence in digital expectation. Practically it advises banks to prioritize the seamless, transparent and consistent service delivery to strengthen customer retention.
The Green Hotel Paradox: Understanding Managerial Tensions Between Sustainability and Business Performance Naufal Fawwaz; Ignatius Hari Santoso
Telaah Bisnis Vol. 27 No. 1 (2026): July 2026
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/tb.v27i1.702

Abstract

The increasing demands on the hotel industry to implement sustainable practices create challenges for hotel managers in balancing environmental goals and business performance. This situation has given rise to the green hotel paradox, a situation where hotels must meet sustainability demands without neglecting business targets. This study aims to understand the dynamics of this managerial tension through the perspective of Paradox Theory by examining the influence of paradox mindset, environmental sustainability orientation, and business performance pressure on perceived tension, as well as their impact on green innovation strategy and sustainable performance. The study used a quantitative approach, surveying 102 hotel managers in various tourist cities in Indonesia. Data were collected using a questionnaire and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that paradox mindset, environmental sustainability orientation, and perceived tension positively influence the relationships tested. Green innovation strategy has also been shown to improve sustainable performance. However, business performance pressure has no significant effect on perceived tension. This study extends the application of Paradox Theory to the context of green hotels and emphasizes the importance of developing a paradox mindset and green innovation strategy to support organizational sustainability.
The Dark and Bright Side of UBO Transparency: Switching Potential, Product Cannibalism, and Sales Performance in the Banking Industry Saptono, Edy; Santoso, Ignatius Hari
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 9 No. 2 (2026): July
Publisher : Management Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v9i2.2615

Abstract

Abstract Objective – This study investigate the dual effects of Ultimate Beneficial Ownership transparency on managerial perceptions and banks performance within multi – bank ownership structures. Specifically, the research examines how UBO transparency shapes perceived switching potential, product cannibalism potential and bank sales performance, highlighting both the bright and dark sides of ownership disclosure in the banking sector. Design/methodology/approach – A quantitative, cross sectional survey is conducted involving 121 managerial level employee from Indonesian commercial banks operating under shared ownership groups. Using Partial Least Square SEM, the study assessed the measurement model and tested the structural relationship between UBO transparency, perceived switching potential, product cannibalism potential and sales performance. Findings – The result reveal a dual mechanism of UBO transparency. On the hand, transparency significantly increase perceived switching potential, suggesting that ownership visibility may enhance the customers’ sense of substitutability across affiliated banks. On the other hand, transparency significantly reduce perceived product cannibalism indicating that improved clarity roles across related institutions. Additionally, perceived switching potential positively influence the sales performance, while product cannibalism potential negatively affects affects it. Research limitations/implications – The cross sectional design and relies solely on managerial perception, limiting the causal inference and potentially introducing perceptual bias. The sample is restricted to Indonesian banks under share ownership, may limit the generalizability. Practical implications – The findings underline the need for banks to strategically manage the UBO transparency, ensuring that ownership is accompanied by clear differentiation strategies across affiliated brands. Originality/value – This study is among the first to integrated the governance transparency, managerial perception and customer related outcomes into a unified framework in the banking context. It extends Agency Theory and Signaling Theory by demonstrating that UBO transparency produces simultaneous bright and dark effects, including competitive perception which unexplored in ownership transparency literature.
Extending the Fraud Diamond Theory: An Adaptive Framework for Preventing Customer-initiated Fraud in the Digital Banking Ecosystem Ali Maskur; Ignatius Hari Santoso
Journal of Management and Business Environment (JMBE) Vol 8, No 1: July 2026
Publisher : Soegijapranata Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24167/jmbe.v8i1.15491

Abstract

The rapid expansion of digital banking ecosystem has transformed financial service accessibility while simultaneously creating new opportunities for customer-initiated fraud. Compared to conventional banking systems, digital platforms present unique vulnerabilities arising from technological complexity, remote transaction, and reduced direct oversight. Although the Fraud Diamond Theory has been widely used to explain fraudulent behavior through pressure, opportunity, rationalization and capability, its applicability in customer-driven fraud within digital environment remains underexplored. This study aims to extend the Fraud Diamond Theory by introducing perceived severity as an adaptive construct to explain customer-initiated fraud intention. A mixed-method approach is employed using two sequential stages, which is in-depth interview and partial least square method to empirically test the new construct using 111 digital banking users. The findings reveal that financial pressure, rationalization, and perceived severity significantly influence customer-initiated fraud intention, meanwhile, perceived opportunity and capability are found to have no significant effect. This study contributes theoretically by extending Fraud Diamond Theory through the inclusion of deterrence-oriented perspective. Practically, the findings suggest that financial institution should complement technological security measures with behavioral interventions, user education and communication strategies emphasizing the consequences of fraudulent actions.
Co-Authors Ali Maskur Ali Maskur Annatiqa Rismayanti Bagas Mahendra Indriawan Bambang Sutedjo Bambang Suteja Batara Daniel Bagana Batara Daniel Bagana Cantika Dewi Purnama Putri Cantika Dewi Purnama Putri Deviyola Kurnia Ramadhani Dewi, Dyah Ayu Rachmawati Dina Lusianti Euis Soliha Farhan Fauzi Febriani, Okky Febrianto, Boggy Galuh Puspaningrum Gregorius Anggana Lisiantara Habsy Qorisu Nurhafidz Hardiyanti, Widhian Hartarini, Yovita Mumpuni I Made Sukresna Kartika, Erawati Lie Liana . Lucky Khusnul Khotimah Lutfi Nurcholis Mansyur, Anwar Maryono Maryono Mas?ud, Fuad Matoati, Rindang Meida Rachmawati Meida Rachmawaty Moch Irsad, Moch Muhaimin Muhaimin Muhammad Ali Ma'sum Muhammad Ali Ma’sum Mulyo Budi Setiawan Mulyo Budi Setiawan Mulyo Budi Setiawan, Mulyo Naufal Fawwaz Nungki Pradita Nurul Syafaah Nurulita, Riza Safira Prataga, Dimas Ikbal R.A. Marlien Retnowati Retnowati Riza Safira Nurulita Sopi Sopi Sri Mulyani Sri Nawatmi Sri Yulianto Fajar Pradapa Suharnomo Suharnomo Suzy Widyasari Toto Suharmanto Yovita Mumpuni Hartarini