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All Journal Jurnal Ekonomi & Keuangan Islam Oikonomia: Jurnal Manajemen
Dewi, Dita Nurul Aini Mustika
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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How cybercrime sentiment shapes mobile banking adoption in Islamic banking Kornitasari, Yenny; Sura, Langlang Jati; Dewi, Dita Nurul Aini Mustika
Jurnal Ekonomi & Keuangan Islam Volume 10 No. 2, July 2024
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol10.iss2.art6

Abstract

Purpose – This study aims to identify the factors influencing the adoption of mobile banking in the context of cybercrime issues in digital banking services by focusing on a case study of Bank Syariah Indonesia (BSI) customers.Methodology – This study examined five independent variables as mediators: cybercrime issue sentiment, security perceptions, convenience, digital literacy, cybersecurity awareness, and trust. It involves 100 BSI customer respondents and is analyzed using the SEM-PLS method.Findings – The findings indicate that Cybercrime issue sentiment and perceived security positively impact trust. However, this trust does not influence mobile banking adoption, suggesting that other factors may dominate adoption decision-making. Convenience and cybersecurity awareness affect mobile banking adoption, whereas digital literacy does not.Implications – Cybercrime is a crucial aspect of mobile banking usage, making customer awareness essential. To increase customer trust, BSI needs to strengthen and enhance digital security and educate customers about cybersecurity risks. Improving the convenience of mobile banking services is crucial to attracting more users. Cybersecurity awareness is also essential; therefore, BSI needs to conduct educational programs and campaigns to improve digital literacy and reduce the negative impact of cybercrime.Originality – The implications provide insights for banks, especially BSI, in maintaining customer trust and increasing mobile banking adoption. The results are expected to assist customers and BSI in focusing on cybersecurity, protecting personal data, and enhancing user convenience. Understanding the factors influencing mobile banking adoption in the continually evolving digital banking environment can help banks take relevant action and focus on customer needs.
Strategic Gaps in Indonesia's Nickel and Electric Vehicle Battery Downstreaming: Implications for Investment Readiness Indriyanto, Erwin; Yustika, Ahmad Erani; Prayitno, Hadi; Setiawan, Dani; Dewi, Dita Nurul Aini Mustika
Oikonomia: Jurnal Manajemen Vol. 22 No. 1 (2026): Oikonomia: Jurnal Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47313/oikonomia.v22i1.4454

Abstract

Purpose This study examines the strategic gaps affecting investment readiness in Indonesia’s nickel and electric vehicle (EV) battery downstreaming ecosystem.  Methodology: The study employed a qualitative descriptive design with a comparative approach. Data were obtained from policy and industry documents, academic literature, international benchmarking of China, South Korea, Chile, Australia, and the Democratic Republic of the Congo, and interviews with two key industry informants. The Public Governance Canvas was operationalized as an Investment–Governance Canvas to analyze regulatory, institutional, financing, and project-readiness conditions. Findings Six interrelated gaps were identified: financing, technology, energy and ESG, regulatory and institutional arrangements, human capital, and infrastructure and logistics. The financing gap reflects not only limited capital, but also unresolved non-financial risks that weaken project bankability. The study’s novelty lies in integrating these gaps within an investment-readiness perspective rather than treating them as isolated constraints. Suggestion Future research should involve broader stakeholders and develop measurable indicators of investment readiness across projects and regions. 
Co-Authors Ahmad Erani Yustika Dani Setiawan Hadi Prayitno, Hadi Indriyanto, Erwin Sura, Langlang Jati Yenny Kornitasari, Yenny