Articles
<![CDATA[Green Banking Strategy to Support Business Sustainability in Banking Sector: A Literature Review ]]>
<![CDATA[Kurniadi, Ade]]>;
<![CDATA[Rahman, Andi Halim]]>;
<![CDATA[Indriani, Farida]]>
<![CDATA[ Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue) ]]>
Publisher : <![CDATA[LifeSciFi ]]>
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DOI: 10.54518/rh.4.4.2024.297
<![CDATA[Public concern and awareness of climate change has made many business sectors start to think about implementing sustainability strategies in their business activities. Of course, this is related to accommodating the market for people who are already aware of environmental issues. In the banking world, this can mean using strategies to protect the environment, such as using digital technology to reduce paper use and reduce face-to-face meetings, which will indirectly have an impact on reducing carbon emissions in transportation modes. However, it turns out that excessive use of digital technology actually creates digital waste which has an equally negative impact on the environment. There is a need for a thorough understanding of the issue of digitalization which can be a double-edged sword for environmental sustainability. This research wants to see to what extent the banking sector in Indonesia has responded to this issue so that they can maintain their business while preserving the environment. This research uses a literature review method to search for broader information and filter it in order to see a bigger picture regarding banking sustainability strategies, Green Banking, throughout the world. Green banking implemented by banks can channel funds, especially on credit, to the community by implementing an eco-friendly environmental system.]]>
<![CDATA[Utilization of Digital Banking Services for Generation Z Economic Sustainability ]]>
<![CDATA[Abdillah, Aris]]>;
<![CDATA[Basuki, Hari]]>;
<![CDATA[Santoso, Wibowo Iman]]>;
<![CDATA[Sukresna, I Made]]>;
<![CDATA[Indriani, Farida]]>
<![CDATA[ Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue) ]]>
Publisher : <![CDATA[LifeSciFi ]]>
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DOI: 10.54518/rh.4.4.2024.298
<![CDATA[Digitalization in banking has changed the way banks operate and interact with their customers. Starting with the emergence of ATM machines, then developing into internet banking and mobile banking, and now comes with various e-wallet and fintech applications that offer convenience in transactions. Generation Z as digital native really benefits from this development because they can easily take advantage of the digital services provided by banks to support their transactions. Even so, not many Gen-Z realize the importance of utilizing banking products for their future (both for investment and protection) because they tend to have impulsive consumption behaviour. Many factors cause a lack of awareness of the need to do investment and to have protection, one of which is their low financial literacy. This article aims to identify and analyse the benefits of digital banking services in three main aspects: transactions, savings, investment, and protection. With a focus on generation Z in Indonesia, this article will discuss how these services can support future economic sustainability. This article was prepared using a literature study method by analysing previous scientific articles that discussed the topic of digital banking and its implications for economic growth and financial stability from the perception of Generation Z.]]>
<![CDATA[The Impact of the Business Cluster Program on Micro Business Growth Through a Green Economy Approach ]]>
<![CDATA[Nofriady, Hery]]>;
<![CDATA[Ellanto, Kenny]]>;
<![CDATA[Pradwipa, Ayodya]]>;
<![CDATA[Indriani, Farida]]>;
<![CDATA[Muharam, Harjum]]>
<![CDATA[ Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue) ]]>
Publisher : <![CDATA[LifeSciFi ]]>
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DOI: 10.54518/rh.4.4.2024.309
<![CDATA[This study aims to measure the impact of the BRI Business Cluster Program on micro enterprises growth through a green economy approach at BRI Pasar Kodim Pekanbaru. This research used a quantitative method with data collection techniques through questionnaire surveys and secondary data analysis. The research population is the Business Cluster Program at BRI Pasar Kodim Pekanbaru, with a sample of 13 micro enterprises at Gerai Kembang Setaman. The results of the linear regression analysis show that micro enterprises growth (X) has a significant impact on environmental sustainability (Y) with the regression equation Y=18.058+0.405X. The ANOVA test results show an F value of 15.179 with a p-value of 0.002, indicating that the regression model is significant at a 95% confidence level. The R Square value of 0.580 indicates that 58% of the variability in environmental sustainability is explained by this model. Descriptive analysis shows significant improvements in various aspects of micro enterprises after joining the BRI Business Cluster Program, such as increases in monthly turnover, number of employees, and the use of QRIS/EDC. These findings reflect the program's success in promoting business growth and environmental sustainability through the application of the green economy.]]>
<![CDATA[Customer Interest in Saving with Easy Mobile Banking to Support Green Marketing ]]>
<![CDATA[Ekaputri, Alya Maherka]]>;
<![CDATA[Dani, Akhmad Nur]]>;
<![CDATA[Sukresna, I Made]]>;
<![CDATA[Indriani, Farida]]>
<![CDATA[ Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue) ]]>
Publisher : <![CDATA[LifeSciFi ]]>
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DOI: 10.54518/rh.4.4.2024.330
<![CDATA[This study aims to analyze the significance of influence between display design, trust, and easy on customer interest in using mobile banking to support green marketing. The problem is increasing in QRIS transaction volumes in Central Java in 2023 by 301.70%, in addiction mobile banking has an impact on increasing e-commerce transactions by 10.66%. This can reflect the wishes of customers with bank operations at all times using fully digital. A drastic increase will have an impact on the continuity of banking operations and risks. The data used are primary data using questionnaires. The population in 8this study is all banking customers who use mobile banking. Sample in research is all customers domiciled in Semarang, with the age of over 20 years old who use mobile banking with purposive sampling techniques. The analysis model of multiple linear regression analysis test is processed SPSS 25.00. The results of and discussion show that design, trust, and convenience simultaneously have a significant effect on customer interest in using mobile banking in supporting green marketing. While convenience partially has a significant effect on customer interest in using mobile baking in supporting green marketing.]]>
<![CDATA[The Impact of Banking Security Features on Marketing Performance: Gold Indonesia 2045 ]]>
<![CDATA[Pertiwi, Rizky Maulani]]>;
<![CDATA[Sumahardi, Doddi]]>;
<![CDATA[Indriani, Farida]]>
<![CDATA[ Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue) ]]>
Publisher : <![CDATA[LifeSciFi ]]>
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DOI: 10.54518/rh.4.4.2024.337
<![CDATA[The rise in fraud cases in the banking sector has led to negative market sentiment, which can affect market performance. Prospect Theory highlights how individuals make decisions under conditions of uncertainty. As we know, the development of advanced security features through technological innovation can drive sustainable economic growth, and transparent and reliable security features can help reduce this uncertainty. Therefore, banks must enhance the security features in their savings products. These bank security features include security tokens (hard tokens and soft tokens), Mobile Number Verification (one mobile number registered to one CIF), Safety Mode, cardless accounts (to avoid skimming and card trapping), and biometric validation. The problem is how security features in banking savings products can influence bank marketing in the context of negative market sentiment and Prospect Theory, while also supporting sustainability goals towards Gold Indonesia 2045. To address this issue, this research discusses thematic analysis of interviews to gain in-depth insights into the impact of security features on bank marketing and economic development. This study supports Indonesia's long-term vision by showing how banking security features contribute to the economic stability and growth necessary for achieving the goals set out for 2045.]]>
<![CDATA[Implementation of BRIMO Superapps by the Millennial Generation for a Sustainable Economy ]]>
<![CDATA[Darmawan, Ekwan]]>;
<![CDATA[Indriani, Farida]]>
<![CDATA[ Research Horizon Vol. 4 No. 4 (2024): Research Horizon - August 2024 (Thematic Issue) ]]>
Publisher : <![CDATA[LifeSciFi ]]>
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DOI: 10.54518/rh.4.4.2024.339
<![CDATA[This study aims to analyses the factors influencing the adoption and use of the Superapps BRIMO application by millennials at BRI Makassar Regional Unit and its impact on green value creation for economic sustainability towards Golden Indonesia 2045. The main problem addressed in this research is the low adoption rate of mobile banking applications among millennials and how this application can contribute to green value creation. The research method used is a qualitative approach with data collection techniques through in-depth interviews and participant observation. The collected data will be analyzed using thematic analysis to identify the main factors influencing adoption and use. This research is expected to provide significant contributions to the development of strategies for increasing the adoption of environmentally friendly banking technology that supports economic sustainability.]]>
<![CDATA[The Utilization of Artificial Intelligence for Financial Inclusion and Business Sustainability Among MSME Operators: Literature Review ]]>
<![CDATA[Sudrajat, Bagas]]>;
<![CDATA[Johan, Destarika Irene]]>;
<![CDATA[Kusumawardhani, Amie]]>;
<![CDATA[Indriani, Farida]]>
<![CDATA[ Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue) ]]>
Publisher : <![CDATA[LifeSciFi ]]>
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DOI: 10.54518/rh.4.6.2024.390
<![CDATA[Micro, Small, and Medium Enterprises (MSMEs) are a business sector that plays an important role in Indonesia's economy. MSME actors often face challenges in the sustainability of their businesses, both in terms of innovation and competitiveness, especially in the current digital era, which requires MSME actors to understand rapidly evolving technology. In the current technological development, the utilization of Artificial Intelligence (AI) can assist in various aspects of daily life. MSME actors can develop their businesses with the help of AI for decision-making and to take part in the financial sector, which ultimately improves business sustainability and more broadly increases economic growth. However, AI has not been widely utilized by MSMEs in Indonesia. The research method employed in this study is a literature review, which is a review or summary of previous research findings on the utilization of AI for financial inclusion and business sustainability in the MSME sector. This study presents an overview of the benefits and challenges of AI for MSME actors, as well as its impact on improving business sustainability and increasing economic growth.]]>
<![CDATA[The Role of Digital Technology in Enhancing Business Productivity in Indonesia: A Study on Bank Rakyat Indonesia ]]>
<![CDATA[Pertiwi, Rizky Maulani]]>;
<![CDATA[Indriani, Farida]]>
<![CDATA[ Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue) ]]>
Publisher : <![CDATA[LifeSciFi ]]>
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DOI: 10.54518/rh.4.6.2024.391
<![CDATA[The acceleration of digital transformation has become a crucial element in adapting to the needs of the times. According to a Deloitte survey, 67% of companies that implement digital transformation have proven to be superior compared to competitors that have not adopted digitalization, especially during the Covid-19 pandemic. As one of the leading banks, BRI is also actively promoting digital transformation. Since setting its vision to become The Most Valuable Banking Group in Southeast Asia & Champion of Financial Inclusion by 2025, BRI has consistently strengthened the digitalization aspect within the company. This research employs a qualitative descriptive approach to provide a comprehensive overview of digital transformation strategies and their impact on the company's competitiveness. The main findings of this study indicate that accelerating digital transformation is essential for helping companies adapt to changes and maintain competitive advantage. This research contributes significantly by highlighting the importance of digital transformation as a key strategy for maintaining competitiveness in the era of technological disruption. Moreover, this study supports strategic decision-making for companies, particularly in the banking and financial sectors like BRI, which focuses on strengthening digitalization as part of its long-term vision. These findings also serve as a guide for business leaders in designing effective digital transformation policies for the future.]]>
<![CDATA[The Effect of E-Payment on Global Consumers: A Systematic Literature Review ]]>
<![CDATA[Kurniawan, Adiq Riyan]]>;
<![CDATA[Prasetyo, Dimas Dwi]]>;
<![CDATA[Indriani, Farida]]>
<![CDATA[ Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue) ]]>
Publisher : <![CDATA[LifeSciFi ]]>
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DOI: 10.54518/rh.4.6.2024.392
<![CDATA[The development of electronic technology has greatly influenced the paradigm shift in payment transactions, leading to the emergence of a payment method known as Electronic Payment (e-Payment) which is an innovation in payment transactions in this modern era. Strong and widespread connectivity plays an essential role in driving a significant transformation in the financial market and operations. Digitalization and the utilization of the internet have made the global economic system more advanced and practical, thus boosting economic growth. This research aims to examine the implementation of e-payment among consumers globally and its impact on business growth, economic growth, and productivity. This study investigates the key factors influencing patterns and trends in the implementation of e-payments. This research employs a systematic literature review related to implementation of e-payment and its influence on business growth, economic growth, and productivity, including articles published from 2020 to 2024 to ensure relevant findings. The results of this study are expected to confirm the significance of e-payment implementation on business growth, economic growth, and productivity.]]>
<![CDATA[Advancing Sustainable Economies Through Green Banking: A Systematic Review ]]>
<![CDATA[Dewi, Nike Silvia]]>;
<![CDATA[Gunawan, Veronica Christin]]>;
<![CDATA[Indriani, Farida]]>
<![CDATA[ Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue) ]]>
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DOI: 10.54518/rh.4.6.2024.400
<![CDATA[Global attention is now beginning to focus on environmental protection given the increasing rate of global warming. This study aims to examine the practice of green banking where its execution can help in accomplishing the goal of sustainable development and economic sustainability. This study analyzes the role of banking in the implementation of green banking in terms of financing, assortment of green banking products and reporting. Green banking innovation in the banking industry means balancing economic success with social and environmental responsibility. This research utilizes a systematic literature review related to green banking and its link to economic sustainability that includes articles published from 2018 to 2024 to ensure the findings are relevant. The results of this study are expected to affirm the importance of green banking practices in connection to making economic sustainability and contribute to raising awareness of the importance of observing the environmental impacts of bank financing.]]>
