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What Drives Customer Intention in Digital Banking? Evidence from Trust, Security Risk, and Technological Innovation Yohanes Ferry Cahaya; Alloysius Pamurda Dhika Mahendra; Herni Pujiati; Ilham Nawang Armanda
Journal of Business, Finance, and Banking Vol. 2 No. 1 (2026): Journal of Business, Finance, and Banking (JBFB)
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jbfb.v2i1.1160

Abstract

This study examines the determinants of digital banking adoption intention among Book IV bank customers in Indonesia, focusing on the interplay between trust, security risks, and technological innovation. Using Smart PLS-SEM with data from 385 respondents, we investigate how technological innovation influences customer trust and perceived security risks, which subsequently affect digital banking usage intention. Results reveal that technological innovation significantly enhances trust while reducing security risk perceptions. Trust emerges as the strongest predictor of digital banking intention, while security risks negatively impact adoption. The study contributes theoretical insights into technology acceptance in emerging markets and provides practical implications for banks developing digital transformation strategies in competitive environments.
PENGARUH KEPUASAN DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN DENGAN MEDIASI LINGKUNGAN KERJA Ilham Nawang Armanda; Herni Pujiati
KOMPLEKSITAS: JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS Vol 14, No 2 (2025): KOMPLEKSITAS EDISI DESEMBER 2025
Publisher : ITB Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/kompleksitas.vol14no2.1050

Abstract

The purpose of this study is to analyze the influence of employee satisfaction and work motivation on employee performance with the work environment as a mediating variable. The study uses a quantitative method with a descriptive and causal approach to analyze the relationship between variables. The descriptive approach provides an overview of the variables’ characteristics. In contrast, the causal approach aims to determine the extent of influence among job satisfaction, work motivation, and the work environment on employee performance variables. Data were collected through a Likert-scale questionnaire, supported by interviews and secondary documentation. For data analysis, multiple linear regression techniques were used. In addition, validity and reliability tests were conducted to ensure the accuracy of the research instrument, and classical assumption tests were conducted to ensure that the regression model used met the requirements. The results of the study found that motivation has a significant effect on the work environment, job satisfaction has a significant effect on the work environment, the work environment has a significant effect on employee performance, motivation has a direct effect on employee performance, job satisfaction has an effect on employee performance, motivation has an effect on employee performance with the mediation of the work environment,. Job satisfaction affects employee performance through the work environment. The results of this study encourage companies to be more adaptive in managing human resources. Companies cannot just focus on one factor. A combination of high motivation, optimal job satisfaction, and a supportive work environment will produce more productive and loyal employees.Tujuan penelitian adalah untuk menganalisis pengaruh kepuasan dan motivasi kerja karyawan terhadap kinerja karyawan dengan lingkungan kerja sebagai variabel mediasinya. Penelitian menggunakan metode kuantitatif dengan pendekatan deskriptif dan kausalitas untuk menganalisis hubungan antar variabel. Pendekatan deskriptif digunakan untuk memberikan gambaran mengenai karakteristik variabel yang diteliti, sedangkan pendekatan kausalitas bertujuan untuk mengetahui sejauh mana pengaruh antara variabel kepuasan kerja, motivasi kerja dan lingkungan kerja terhadap variabel kinerja karyawan. Data dikumpulkan melalui kuesioner dengan skala Likert serta didukung oleh wawancara dan dokumentasi sebagai data sekunder. Untuk analisis data digunakan teknik regresi linier berganda. Selain itu, dilakukan uji validitas dan reliabilitas untuk memastikan keakuratan instrumen penelitian serta uji asumsi klasik agar model regresi yang digunakan memenuhi syarat. Hasil penelitian mendapatkan bahwa Motivasi berpengaruh signifikan terhadap lingkungan kerja, Kepuasan kerja berpengaruh signifikan terhadap lingkungan kerja, Lingkungan kerja berpengaruh signifikan terhadap kinerja karyawan, Motivasi berpengaruh langsung terhadap kinerja karyawan, Kepuasan kerja berpengaruh terhadap kinerja karyawan, Motivasi berpengaruh terhadap kinerja karyawan dengan mediasi lingkungan kerja, Kepuasan kerja berpengaruh terhadap kinerja karyawan dengan  mediasi lingkungan kerja. Hasil penelitian ini mendorong perusahaan untuk lebih adaptif dalam mengelola sumber daya manusia. Perusahaan tidak dapat hanya fokus pada satu faktor saja, Kombinasi antara motivasi yang tinggi, kepuasan kerja yang optimal, dan lingkungan kerja yang mendukung akan menghasilkan karyawan yang lebih produktif dan loyal.
Keberadaan trading house terhadap pemberdayaan perusahaan industri lokal: studi pada kawasan regional pasca integrasi MEA 2025 Muljanto Siladjaja; Johannes Ferry Cahya; Sri Yanthy Yosepha; Herni Pujiati
Jurnal STEI Ekonomi Vol. 34 No. 1 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36406/jemi.v34i1.175

Abstract

This study examines how trading houses empower local firms to overcome export barriers, including foreign exchange risks and financing constraints, and serve as mediators that provide crucial market intelligence and quality assurance to reduce business risks. Using Structural Equation Modeling and Focus Group Discussions with 300 stakeholders across Jakarta, Bandung, Semarang, and Surabaya, the research reveals that trading houses significantly enhance export capabilities and support green product development through advanced manufacturing technologies and value-added investments, creating competitive advantages for the ASEAN Economic Community 2025. The findings demonstrate that while these partnerships foster sustainable industrial growth, their effectiveness is hampered by inconsistent national regulations regarding taxation, fees, and green product standards, highlighting the urgent need for more coherent policy frameworks to maximize trading houses' contribution to Indonesia's export development and sustainable manufacturing transition.
ECO ENZYME SEBAGAI PELUANG BISNIS BERKELANJUTAN DI DESA LEBENG KECAMATAN SUMPIUH KABUPATEN BANYUMAS Herni Pujiati; Yohanes Ferry Cahaya; I Dewa Ketut Kertawidana; Syamsunasir; Theresia Oktavia Sadpung; Noerlina Anggraeni
Jurnal Pengabdian Teratai Vol. 7 No. 1 (2026): Vol. 7 No. 1 (2026): Jurnal Pengabdian Teratai
Publisher : Lembaga Penelitian Dan Pengabdian Pada Masyarakat (LPPM) Institut Bisnis dan Informatika (IBI) Kosgoro 1957

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55122/teratai.v7i1.2093

Abstract

Eco enzyme adalah produk pemanfaatan limbah organika (buah/sayur) yang difermentasikan dengan gula dalam suatu wadah dan didiamkan selama 3 bulan hingga menjadi larutan aktif. Penggunaan eco enzyme sebagai larutan pembersih alami berkontribusi menjaga lingkungan karena mengolah limbah sampah organic skala rumah tangga. Tujuan dari PKM ini adalah untuk membantu meningkatkan dan mengembangkan potensi yang dimiliki oleh Desa Lebeng Sumpiuh Banyumas dengan masyarakat peduli lingkungannya yang telah terbentukEco enzyme adalah cairan multifungsi hasil fermentasi limbah organik (kulit buah/sayur), molase/gula, dan air. Cairan ini menjadi solusi ramah lingkungan untuk mengatasi sampah rumah tangga, mengurangi polusi air/udara, serta sebagai pupuk organik atau disinfektan alami. Prosesnya sederhana, ekonomis, dan berkelanjutan. Eco enzyme bisa digunakan untuk membersihkan seluruh area rumah, baju, sayur, dan buah-buahan, untuk menyuburkan tanaman, menghilangkan hama, serta meningkatkan kualitas pada tanaman dan eco enzyme juga sangat efektif untuk mengusir hama tanaman. Eco Enzyme juga dapat digunakan untuk merangsang hormon tanaman untuk meningkatkan kualitas buah dan sayuran dan untuk meningkatkan hasil panen.Diharafkan bahwa program ini dapat membantu mengurangi limbah sisa buah buahan, dan dapat mendapatkan pemasukan serta menciptakan lingkungan yang bersih, sehat dan berkelanjutan.
Pengelolaan Eco enzyme Menjadi Produk Bernilai Ekonomis: Peluang Pengembangan Usaha Mandiri untuk Warga Binaan Lapas Muljanto Siladjaja; I Dewa Ketut Kerta Widana; Yohanes Ferry Cahaya; Herni Pujiati; Sri Yanthy Yosepha
BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Vol. 7 No. 3 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/berdaya.v7i3.1735

Abstract

This community development program aims to enhance the motivation and self-confidence of inmates at Cipinang Prison in order to break the cycle of poverty and prevent them from repeating past mistakes. The program involved 30 participants, most of whom were recidivists, facing the main challenge of negative social stigma that perceives former inmates as incapable of change. The solution introduced through the training was the utilization of household waste to produce eco enzyme products. These products have proven to be economically valuable and beneficial for health, thereby improving the living standards of inmates while simultaneously creating business opportunities. The simple and low-cost production process enabled participants to acquire new skills, while training on branding and packaging provided added value and increased product competitiveness in the market. Beyond empowering inmates, this program also contributes to environmental sustainability and promotes a healthy lifestyle at an affordable cost. The transformation of waste into health-supporting products demonstrates the wise use of natural resources and fosters entrepreneurial spirit among participants. Thus, this activity serves as an initial step in empowerment, expected to improve the quality of life and open better future opportunities for inmates.
The Role of Big Data and Artificial Intelligence Intelligence in Strategic Business Decision Making in the Global era a Literature Review Sumarno Manrejo; Markonah Markonah; Johan Hendri Prasetyo; Yohanes Ferry Cahaya; Herni Pujiati
Jurnal Ilmiah Manajemen SURYA PASCA SCIENTIA Vol. 15 No. 1 (2026): Jurnal Ilmiah Manajemen Surya Pasca Scientia
Publisher : Prodi Magister Manajemen Universitas Dirgantara Marsekal Suryadarma

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

Abstract

Study This aim For analyze contribution Big Data and Artificial Intelligence (AI) strategic in the decision-making process decision company , as well as How innovation technology This capable increase effectiveness , accuracy time and precision in determine policy business in the contemporary digital era . Research This done with Systematic Literature Review approach with review 14 works scientific published in range 2023-2025 period . Data source obtained through academic platforms leading including Google Scholar and Semantic Scholar , with specification research that explores correlation between Big Data technology , AI, and business decision -making processes. Findings studies disclose that implementation of Big Data in significant transforming the decision-making process decision through capability real-time analytics , detection market patterns , and optimization performance operational . Meanwhile that , AI plays a role as complementary with his abilities do massive data processing , prediction business , and providing strategic insights . Synergy second technology This capable building a superior value proposition in environment global business . Scope study This limited to analysis document secondary so that need study advanced based approach empirical For strengthen validity findings in various context industry .
Blue Ocean Leadership as a Transformational Strategy in Addressing Educational Challenges in Indonesia's Border Regions Yusnaldi Yusnaldi; Herni Pujiati
Jurnal Pertahanan: Media Informasi tentang Kajian dan Strategi Pertahanan yang Mengedepankan Identity, Nasionalism dan Integrity Vol. 11 No. 2 (2025)
Publisher : The Republic of Indonesia Defense University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33172/jp.v11i2.20000

Abstract

Indonesia's geographically challenging frontier regions. As border areas face unique educational challenges, including infrastructure limitations, teacher shortages, and cultural complexity, conventional leadership approaches often prove insufficient. Blue Ocean Leadership is a strategy that focuses on unlocking the untapped talent and motivation of employees by shifting leadership actions from traditional, competitive approaches to those that create value and inspire engagement. Drawing on blue ocean strategy principles and adaptive leadership frameworks, this research investigates how educational leaders in Indonesian border regions create uncontested leadership spaces while adapting to local contexts. Through narrative analysis of twenty-five in-depth interviews with educational leaders across five border provinces, this study identifies four transformative leadership patterns: context-sensitive innovation, cross-border collaborative networks, cultural integration in pedagogical approaches, and technology-enabled resilience. The findings reveal how adaptive leadership creates value through both structural improvements and cultural-pedagogical innovations. This research contributes to educational leadership literature by demonstrating how blue ocean leadership principles can be contextually adapted to address the distinctive challenges of border education management while building regional resilience. The study provides actionable insights for educational policymakers and practitioners in similar geopolitically complex regions worldwide.
AIoT Education Versus Conventional Teaching Toward Students Performance: A Systematic Literature Review Herni Pujiati
Reviu Akuntansi, Manajemen, dan Bisnis Vol 6 No 2 (2026): Juni
Publisher : Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/rambis.v6i2.6852

Abstract

Purpose: This study investigates the relationships among AIoT Education, conventional teaching and student performance. The impact on the global education by employing qualitative type of methods in systematic literature reviews. The findings show that relationships among AIoT Education, conventional teaching confirming their importance in enhancing students’ performance.Research Methodology: systematic literature reviews and were collected through structured literature reviews, this research is a qualitative type of research.Results: The findings show that AIoT Education significantly complement conventional teaching, confirming their importance in enhancing student performance.Conclusions: AIoT education and conventional teaching both complement significantly toward student performance. AIoT education can build intellectual reciprocal partnerships with conventional teaching. AIoT education provides 24/7 services, while conventional teaching provides more humanistic approaches for students for online counseling and or coaching. AIoT education complements conventional teaching.  Conventional teaching will never be replaced by AIoT education. Subsequent studies are also encouraged to incorporate objective for upgrading students’ performance to complement the perceptual measures obtained from survey responses. Additionally, employing longitudinal or multi-country designs could provide a richer understanding of how regulatory evolution and AIoT education vs convention teaching shape the interplay between students’ performance, conventional teaching and AIot education over time.Limitations: This study limits only based upon systematic literature reviews and not empirical and purely only qualitative literature studies. Should be further observed for complete empirical studies in the future.Contributions: These results enrich the literature on AIoT education by integrating AIoT education with conventional teaching with the utmost output on student performance.
Green Product, Green Brand Image, Green Advertising on Purchase Decisions Mediated by Price, SERVQUAL Dewi Puspaningtyas Faeni; Herni Pujiati; Dewi Sri Wulandari
Reviu Akuntansi, Manajemen, dan Bisnis Vol 6 No 2 (2026): Juni
Publisher : Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/rambis.v6i2.6854

Abstract

Purpose: This study aims to analyze the effect of green product, green brand image, and green advertising on purchase decisions at Photovoltaic Industry, with price and SERVQUAL as mediating variables. The objective is to understand how green marketing strategies determined purchase decision upon renewable energy sector.Research Methodology: The research was conducted at Photovoltaic Industry, using a quantitative approach. Collected 109 respondents Slovin’s formula. The statistic analysis employed Structural Equation Modeling (SEM) with SmartPLS 4.2 software.Results: Green product, green brand image, and green advertising have a positive and significant effect on purchase decisions, both partially and simultaneously. Price and SERVQUAL proven as mediators determined green marketing strategies on consumer purchasing behavior.Conclusions: The study concludes that integrating green marketing strategies with competitive pricing and high service quality can significantly enhance purchase decisions at Photovoltaic Industry. This highlights the importance of combining environmental values with practical business elements.|Limitations: The study is limited to one Photovoltaic company and a relatively small sample size of 109 respondents, which may restrict the generalization of findings to other industries or regions.|Contributions: This research contributes to the field of marketing management and sustainability studies by providing empirical evidence on the role of green marketing in consumer decision-making. It offers practical implications for business practitioners, policymakers, and academics in developing strategies that align environmental responsibility with improved organizational performance based on renewable energy.
AIoT Education Versus Conventional Teaching Toward Students Performance: A Systematic Literature Review Herni Pujiati
Reviu Akuntansi, Manajemen, dan Bisnis Vol 6 No 2 (2026): Juni
Publisher : Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/rambis.v6i2.6852

Abstract

Purpose: This study investigates the relationships among AIoT Education, conventional teaching and student performance. The impact on the global education by employing qualitative type of methods in systematic literature reviews. The findings show that relationships among AIoT Education, conventional teaching confirming their importance in enhancing students’ performance.Research Methodology: systematic literature reviews and were collected through structured literature reviews, this research is a qualitative type of research.Results: The findings show that AIoT Education significantly complement conventional teaching, confirming their importance in enhancing student performance.Conclusions: AIoT education and conventional teaching both complement significantly toward student performance. AIoT education can build intellectual reciprocal partnerships with conventional teaching. AIoT education provides 24/7 services, while conventional teaching provides more humanistic approaches for students for online counseling and or coaching. AIoT education complements conventional teaching.  Conventional teaching will never be replaced by AIoT education. Subsequent studies are also encouraged to incorporate objective for upgrading students’ performance to complement the perceptual measures obtained from survey responses. Additionally, employing longitudinal or multi-country designs could provide a richer understanding of how regulatory evolution and AIoT education vs convention teaching shape the interplay between students’ performance, conventional teaching and AIot education over time.Limitations: This study limits only based upon systematic literature reviews and not empirical and purely only qualitative literature studies. Should be further observed for complete empirical studies in the future.Contributions: These results enrich the literature on AIoT education by integrating AIoT education with conventional teaching with the utmost output on student performance.
Co-Authors ., Yusnaldi Adipraja Soesilo Agung Setiyawan, Agung Ahmad Faisal Ahmad Faisal Ahmad Faisal Alloysius Pamruda Dhika Mahendra Alloysius Pamurda Dhika Mahendra Alloysius Pamurda Dhika Mahendra Amelia Sendi Andhika Rachman Anggreani , Noeorlina Annathasia Puji Erasashanti Annathasia Puji Erasashanti Ardin Muhammad Duhari Arisandi, Indah Bagus Hardiyanto Bakhrawi, Bakhrawi Bambang Sumantri Bilqis, Devia Fairus Bisr, Hasan Budi, Yohanes Denok Ambun Suri Devia Dewi Puspaningtyas Faeni Dewi Sri Wulandari Dimas, Dimas Dony Antariksa, Susilo Negoro Eddy Setyanto Efa Sri Susilowati Eggie Shelinawati Eko Marwoto Eky Ananda Widiarta Febrianto, Endang Gaffar, Muhammad Andriana Gianina Sembiring Gratia Atanka Barus hasibuan, Ahmad Nurdin Hasibuan Hendradinata Herdi Prasetyo, Sunu Herliya Puji Lestari I Dewa Ketut Kerta Widana I Dewa Ketut Kertawidana I Kadek Wiliantara Iim Wasliman Ilham Nawang Armanda Ilham Nawang Armanda Ilham Nawang Armanda Imelda Maulidina Indra Wahyudi, Indra Isnanto, Samto Hadi Jamilah, Rizqiyana Hurun Johan Hendri Prasetyo Johan Wahyudi, Johan Johannes Ferry Cahya Karina, Mona Made, Made Maghfiratika, Tishar Markonah Markonah Mawaddaturrohmah Mawaddaturrohmah Melati, Dinda Mochammad Subagio Mochammad Subagio Mona Karina Morin, Natasha Anindika Hermy Muhammad Nazarudin, Muhammad Muljanto Siladjaja Murniwati Murniwati Nabilah, Lily Naryanto Noerlina Anggraeni Noerlina Anggraeni Noerlina Anggraeni Nur Erlika Nuraeni Nuraeni Nurmaliza, Nurmaliza Pamcasasti, Ranthy Patswawati, Patswawati Primadi Candra Susanto Purnomo, Lucky Bayu Putri Nofzil, Friska Rahardi, Patrick Dwi Rahayu, Yuni Mardi Rajtania Chaerunnisa Rambe Kamarul Zaman Ramdan, Amir Ratih Puspitaningtias Faeni Ratih Puspitaningtyas Faeni Ratna Wijayanti Ratu Citra Kartika Wardani Riki Altobeli Sihaloho Rio Luthfiandana Rizky Putra Perdana Rizqi Nurfaizi Latukomsina Sadipung, Theresia Oktavia Samto Hadi Isnanto Santi Dwi Jayanti Sidapung, Theresia Oktavia Siswahyudianto Siti Aminah Sri Iswati Sri Iswati Sri Yanthy Sumarno Manrejo Surya Parlinanta, Tri Susilowati, Efa Sri Syamsunasir, Syamsunasir Thaariq, Muhammad Magriza Ath Thaib, Azizah Sauri Theresia Oktavia Sadpung Theresia Oktavia Sadpung Tutty, Ade Wibowo, Wuryanto Yohanes Feri Cahaya Yohanes Ferry Cahaya Yohanes Feryy Cahaya Yosepha, Sri Yanthy Yudi Aditia Yupitasari Yusnaldi Yusnaldi Yusnaldi Yusnaldi Yusnaldi, Yusnaldi Yusup Sukmadiana, Muhammad