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INOVASI PRODUK DAN LAYANAN KEUANGAN SYARIAH DI ERA DIGITAL Takwim, Ahsani; Lestari, Dinda; Maharani, Filiya Novita; Prasetya, Iip; Anggraeni, Lasnia Sisma
Jurnal Ekonomi & Bisnis Vol. 12 No. 2 (2024): Jurnal Ekonomi & Bisnis
Publisher : Pusat Riset dan Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jeb.v12i2.1735

Abstract

The advancement of digital technology has caused significant changes in many industries, including the Islamic banking sector. The digital era has created new opportunities for sharia banks to innovate in developing products and services that are more accessible, efficient, and in accordance with Islamic principles. This research uses a qualitative method with a literature study approach. Literature sources can be obtained from books, journals, magazines, research results (thesis and dissertation), and other relevant sources (internet, newspapers, etc.). The research findings showed that innovation of products and services related to sharia finance in the digital era has significant potential to increase financial accessibility, improve operational efficiency, increase transparency, develop products and services that are more in line with the needs of micro, small, medium and large enterprises, and increase awareness of financial products. This article provides guidance on how to improve innovation of products and services related to sharia banking in the digital era, such as improving more personalized products and services, improving standards of financial education and literacy.
Information Technology Risk Management of ABC Application At University Using ISO 31000:2018 Linggih Jaelani, Widi; Takwim, Ahsani; Sari, Titania; Wijayanti, Diyah; Fajri Pratama, Satrya
JESII: Journal of Elektronik Sistem InformasI Vol 3 No 1 (2025): JOURNAL ELEKTRONIK SISTEM INFORMASI (JUNE)
Publisher : Departement Information Systems Universitas Kebangsaan Republik Indonesia

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Abstract

Information technology (IT) plays a critical role in supporting operations and decision-making in higher education institutions. At Universitas Teknologi Bandung (UTB), reliance on IT systems for academic administration, online learning, and data management has increased the risk of security incidents such as clickjacking, unrestricted file uploads, cross-site scripting (XSS), misconfiguration, excessive data exposure, and server downtime. This study applies the ISO 31000:2018 risk management framework to systematically identify, assess, and analyze IT security risks in UTB’s information systems. Using a 5x5 risk matrix, risks were evaluated based on probability and impact, revealing that moderate risks dominate, primarily from clickjacking, XSS, unrestricted file upload, and server downtime incidents, while misconfiguration and excessive data exposure represent low-level risks requiring ongoing monitoring. Common causes include weak input/output validation, insecure system configurations, and inadequate access controls and data sanitization. Proposed mitigation efforts focus on rigorous source code review before publication, regular penetration testing every 3 to 6 months, and increased awareness of security policies and potential incidents. The findings aim to enhance IT risk management practices at UTB, contributing to stronger governance and the protection of institutional data amid growing digital transformation.