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Manajemen Pemasaran Bank Syariah Berbasis Tekhnology Revolusi Industry 4.0 Irawan, Dedeng; Sugianto; Siregar, Saparuddin
As-Syirkah: Islamic Economic & Financial Journal Vol. 1 No. 2 (2022): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/qssg8w20

Abstract

Marketing of Islamic banks must have an economic construction 4.0, which is a fundamental change in the way of human life and work processes, where advances in information technology can integrate in the world of life with digital which can have an impact on scientific disciplines. This research is expected to add to the scientific treasures in the field of Islamic banking, especially those related to Islamic Banking issues in Facing Economic Construction 4.0 Reviewed Through SWOT Analysis which can be used as reference material for further researchers who conduct similar research. The formulation of the problem in this study is how the strategy of Islamic banking in dealing with economic construction 4.0 is reviewed through a SWOT analysis, and also to find out what are the obstacles of Islamic banking in facing economic construction 4.0 through a SWOT analysis. This research is a qualitative research with a qualitative research model with a case study approach model, which is a research approach that tries to explore real life through detailed and in-depth data collection involving various sources of information, either in the form of interviews, document observations or reports by describing objects from research case. The research results obtained are that Islamic banks must have a strategy to face the 4.0 industrial revolution, which researchers then analyze using SWOT
FINANCIAL EDUCATION, FINANCIAL STRESS, AND FINANCIAL WELL-BEING: THE STRATEGIC ROLE OF FINANCIAL TECHNOLOGY FOR MILLENNIAL BANK EMPLOYEES IN NORTH SUMATRA Sipahutar, Roni Parlindugan; Irawan, Dedeng
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 6 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i6.4075

Abstract

This study investigates the influence of financial education and financial stress on financial well-being, with financial technology considered as a mediating variable. The research is driven by the increasing role of financial literacy and digital financial services in helping individuals manage financial challenges in today’s digital era. A quantitative approach with a deductive design was employed, using structured questionnaires distributed to 400 millennial respondents aged 25–40 years working in the banking sector in North Sumatra. Data were analyzed with Partial Least Square–Structural Equation Modeling (PLS-SEM), which enables simultaneous testing of measurement and structural models. The results indicate that financial education has a positive and significant effect on both financial technology adoption and financial well-being. In contrast, financial stress is negatively associated with financial well-being but positively influences the adoption of financial technology as an adaptive mechanism to cope with financial pressures. Furthermore, financial technology is found to play a crucial mediating role, strengthening the effects of financial education and mitigating the negative impact of financial stress on financial well-being. The study provides theoretical contributions by extending the existing frameworks that link financial literacy, stress, technology, and financial outcomes. From a practical perspective, the findings highlight the importance of promoting digital-based financial education programs and developing inclusive financial technology solutions to enhance financial well-being, particularly among younger generations in the banking industry