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All Journal JURNAL DINAMIKA EKONOMI PEMBANGUNAN Journal of Central Banking Law and Institutions Jurnal Pertanahan
Pratama, Kristianus Jimy
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Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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ADVANCING FUTURISTIC DIGITAL BANKING: STRATEGIC ENHANCEMENT AND A ROADMAP FOR EXCELLENCE Pratama, Kristianus Jimy
Journal of Central Banking Law and Institutions Vol. 4 No. 1 (2025)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jcli.v4i1.267

Abstract

This research aims to rectify misconceptions surrounding banking digitalisation and conduct an in-depth analysis of Bank Indonesia and the Financial Services Authority’s (OJK) policies concerning developing and enhancing the banking sector’s digitalisation. Additionally, this study is designed to formulate a strategic roadmap for developing banking sector digitalisation, accompanied by risk mitigation processes. The fundamental misconception identified herein pertains to the limited understanding of banking digitalisation as merely transitioning from conventional to digital services. This narrow perspective, still embraced by regulatory authorities, adversely impacts national banking industry stakeholders. Employing a normative legal research methodology through an extensive literature review, our findings reveal a prevailing tendency towards structural collaboration in policy formulation rather than embracing synergistic approaches. This research underscores the urgency of formulating visionary and flexible policies in banking digitalisation. Based on the findings, this study seeks to build the framework for policy formulation by regulation authorities in conducting further studies regarding the direction of policies for developing and strengthening banking sector digitalisation.
Kepastian Hukum Atas Konsep Kepentingan Umum dalam Tahapan Perolehan Tanah oleh Otorita Ibu Kota Nusantara Pratama, Kristianus Jimy
Jurnal Pertanahan Vol 12 No 1 (2022): Jurnal Pertanahan
Publisher : Sekolah Tinggi Pertanahan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53686/jp.v12i1.174

Abstract

ABSTRAK Ketentuan Pasal 33 ayat (3) Undang-Undang Dasar Negara Republik Indonesia Tahun 1945 memberikan atribusi kepada Pemerintah untuk melakukan penguasaan terhadap hak atas tanah, khususnya dalam pembangunan untuk kepentingan umum. Pengaturan ini diejawantahkan pula dalam ikhwal pembangunan infrastruktur untuk kepentingan umum di Ibu Kota Nusantara (IKN) melalui Undang-Undang Nomor 3 Tahun 2022 tentang Ibu Kota Negara (UU3 /2022). Permasalahan hukum kemudian timbul ketika frasa kepentingan umum yang diatur di dalamnya tidak dijabarkan secara komprehensif dan berimplikasi pada tidak terunifikasinya penafsiran hukum pertanahan dalam pelaksanaannya. Penelitian ini bertujuan untuk memberikan gambaran dan usulan langkah penjaminan kepastian hukum atas frasa kepentingan umum dalam tahapan perolehan tanah di IKN. Metode yang digunakan dalam penelitian ini adalah metode penelitian normatif dengan pendekatan peraturan perundang-undangan dan pendekatan konseptual. Penelitian ini pada dasarnya menghasilkan dua kesimpulan yakni (1) pengaturan norma hukum dari frasa kepentingan umum dalam tahapan perolehan tanah oleh Otorita IKN yang mengacu pada ketentuan di luar UU 3/2022 memiliki kecenderungan subjektif (2) diperlukan langkah teknis dan langkah substantif untuk memberikan jaminan kepastian hukum atas frasa kepentingan umum dalam tahapan perolehan tanah oleh Otorita IKN. ABSTRACT One of the goals of the state contained in the fourth paragraph of the Preamble to the 1945 Constitution of the Republic of Indonesia is to promote public welfare and one of them is through the act of controlling the state as referred to in Article 33 paragraph (3) of the Constitution of the Republic of Indonesia. Indonesia in 1945 which was later revealed in the land sector, namely through state control of land rights in carrying out development activities for the public interest. This is also applied in the construction of various infrastructures for the public interest in the Nusantara Capital City Authority (IKN). The method used in this research is a normative research method with a statutory approach and a conceptual approach. This research basically produces two conclusions, namely the regulation of legal norms from the phrase public interest in the stage of land acquisition by the IKN Authority which also refers to various provisions of laws and regulations in the land sector that have been in force previously and it is necessary to take technical steps and substantive steps to be able to provide guarantee of legal certainty over the phrase of public interest in the stage of land acquisition by the IKN Authority.
Jateng Explore (JX): Sustainable Tourism Digital Ecosystem Modelling based on Integrated Data and Payment Innovation Pratama, Kristianus Jimy
Jurnal Dinamika Ekonomi Pembangunan Vol 8 (2025): Special Issue: Call for Paper Pusaka Jateng
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jdep.8.0.103-126

Abstract

Tourism plays a vital role in Central Java’s economy, yet its potential is constrained by fragmented data, uneven digital access, and limited MSME financial inclusion. This study introduces Jateng Explore (JX), a regional-scale digital public infrastructure model for sustainable tourism governance that integrates tourism services, MSMEs, and government coordination within a modular platform.. Developed through a design-based research approach, JX features smart modules including Destination Intelligence, Thematic Tourism Module, Halal & Inclusive Tourism Engine, Smart Booking, and a Digital MSME Marketplace. The platform incorporates AI-driven profiling, ESG gamification, and GIS-based analytics to enable personalized, equitable, and sustainable tourism experiences. The study’s originality lies in embedding data interoperability, sustainability-by-design, and financial inclusion within a public-sector-led smart tourism ecosystem, moving beyond fragmented or firm-centric platforms. It also aligns with national platforms like Satu Data Indonesia, positioning JX as a scalable model for smart tourism governance.
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