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All Journal Journal of Economic, Bussines and Accounting (COSTING) JURNAL ILMIAH AKUNTANSI UNIVERSITAS PAMULANG JOURNAL OF SCIENCE AND SOCIAL RESEARCH Aptisi Transactions on Technopreneurship (ATT) Jurnal Ilmiah Ekonomi Global Masa Kini Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) International Journal of Science and Society (IJSOC) Journal Of World Science Jurnal Ekonomika Dan Bisnis Management Research Studies Journal QISTINA: Jurnal Multidisiplin Indonesia Applied Business and Administration Journal (ABAJ) Jurnal Informatika dan Bisnis
Sendjaja, Theodorus
Fakultas Ekonomi Dan Bisnis, Institut Keuangan Perbankan Dan Informatika Asia Perbanas Jl. Perbanas, Karet Kuningan, Setiabudi, Jakarta 12940
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Nursing Social Sciences Other

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Kemudahan, Risiko dan Pengawasan OJK Pada P2P Lending di Indonesia Maulina, Alya; Sendjaja, Theodorus
QISTINA: Jurnal Multidisiplin Indonesia Vol 4, No 1 (2025): June 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/qistina.v4i1.6133

Abstract

Kemajuan teknologi informasi dan komunikasi telah memunculkan inovasi dalam sektor keuangan, salah satunya berupa Financial Technology (Fintech). Salah satu bentuk Fintech yang berkembang pesat adalah Peer-to-Peer (P2P) Lending, yakni layanan peminjaman uang berbasis digital yang mempertemukan langsung pihak pemberi pinjaman (lender) dengan penerima pinjaman (borrower). Metodologi yang digunakan berupa pendekatan deskriptif kualitatif dengan analisis data sekunder dari laporan OJK, AFPI, jurnal, dan regulasi. Perkembangan teknologi keuangan di Indonesia telah mendorong pertumbuhan layanan peer-to-peer lending (P2PL) sebagai alternatif pembiayaan yang memberikan perencanaan kemudahan ruang, proses digital yang cepat, serta peluang investasi dengan imbal hasil menarik. Namun di balik berbagai kemudahan tersebut, P2PL juga menyimpan sejumlah risiko, seperti gagal bayar, penipuan data, dan penyalahgunaan informasi pribadi. Tingkat literasi keuangan yang masih rendah kian memperbesar potensi kerugian, baik bagi peminjam maupun pemberi pinjaman. Oleh karena itu, keberadaan Otoritas Jasa Keuangan (OJK) sebagai lembaga pengawas menjadi sangat krusial dalam menjamin tata kelola yang sehat, transparan, dan bertanggung jawab di sektor kerja ini. Melalui regulasi dan sistem pengawasan yang terus diperkuat, OJK berperan penting dalam menjaga keseimbangan antara perlindungan konsumen dan pertumbuhan sektor fintech yang sehat dan berkelanjutan. Kajian ini bertujuan untuk mengidentifikasi kemudahan yang ditawarkan P2PL, potensi risikonya, serta peran OJK dalam mengawal integritas sistem keuangan digital di Indonesia
The Digital Rupiah and The Future of Accountants: A Central Bank Digital Currency (CBDC) Study Zahrani, Syifa Aulia; Sendjaja, Theodorus
Jurnal Ilmiah Akuntansi Universitas Pamulang Vol. 13 No. 1 (2025): Jurnal Ilmiah Akuntansi Universitas Pamulang
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jiaup.v13i1.46352

Abstract

The financial sector has undergone digital transformation, including establishing digital currency issued by central banks (CBDC) such as Digital Rupiah, which has transformed Indonesia's payment and monetary systems. These changes are expected to have a major impact on the roles and competencies of accountants, who are responsible for ensuring financial transparency, accountability and efficiency. This research examines the effects of Digital Rupiah on accountants' work, such as changes in financial reporting, auditing, and risk management. This research utilises a qualitative methodology, which includes a literature study to gauge accountants' readiness for the Digital Rupiah. The results show that Digital Rupiah can improve the efficiency of financial transactions and open up new opportunities for the accounting profession, such as requiring expertise in blockchain technology and digital financial data analysis. But issues such as unfamiliarity with technology and unwillingness to change must be overcome. This research finds that Digital Rupiah is not only a monetary innovation but also transforms the accounting profession. These results add to the literature on digital accounting developments and help professional accountants anticipate the future of CBDC-based financial systems.
Driving Socialpreneurship and Diving into Digital Transformation to Enhance Donation Intentions in Indonesia Sendjaja, Theodorus; Rachbini, Didik J.; Astini, Rina; Asih, Daru
Aptisi Transactions On Technopreneurship (ATT) Vol 7 No 3 (2025): November
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/att.v7i3.678

Abstract

This study investigates how digital transformation within the Catholic Church in Indonesia can enhance digital donation intentions by analyzing the influence of trust, Perceived Ease of Use, Perceived Usefulness, perceived risk, and perceived security on attitudes and engagement toward technology acceptance. Employing a quantitative design with an explanatory and cross-sectional approach, data were gathered from 100 respondents across 10 archdioceses in Indonesia using stratified random sampling. The analysis was carried out using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the relationships between the variables. The findings reveal significant effects of Perceived Usefulness, Perceived Ease of Use, perceived risk, attitude, and engagement on digital donation intention. These results offer practical insights into improving donation practices and accelerating digital transformation within the Catholic Church in Indonesia. This study further proposes a novel conceptual framework that integrates trust, Perceived Ease of Use, Perceived Usefulness, perceived risk, and perceived security to explain attitudes and engagement in digital donations. This model expands the Technology Acceptance Model (TAM) by incorporating additional factors relevant to donation behavior. Moreover, the study addresses a gap in the literature by highlighting the decline in QRIS adoption following the COVID-19 pandemic-an issue rarely discussed in prior donation studies. Digital donations in this context are also positioned as part of a broader social entrepreneurship movement that leverages technology to foster community involvement and ensure the financial sustainability of religious institutions.
Digital Bank Transformation: Sustainable Innovation in Financial Institutions Sendjaja, Theodorus; Rivai Zainal, Veithzal; Sofriana Imaningsih, Erna; Christina Nawangsari, Lenny; Johanes Lo, Singmin
Journal of World Science Vol. 1 No. 12 (2022): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jws.v1i12.136

Abstract

Introduction: Bank digital transformation is a continuous innovation from conventional commercial banks to digital banks. The driving force in traditional retail banks to carry out sustainable innovation can be seen from the internal and external sides in the form of mutually supportive operations and strategies. In the face of competitive pressures, businesses in the financial services industry increasingly depend on innovation and sustainability to succeed and survive. The stress of business competition has made many banks worldwide close their branch offices in recent years. Method: This study is a literature study that collects theoretical references relevant to sustainable innovation in financial institutions, focusing on two main topics: sustainable digital technology innovation in Fintech and banks' digital transformation. Result: Fintech uses digital technology as a sustainable solution in offering financial inclusion services that are difficult for old players in the financial industry to fulfill. Fintech appears in peer-to-peer lending, virtual marketplaces and digital currencies. For the Bank's digital transformation, several regulations from the Financial Services Authority related to sustainable innovation must be complied with. Financial Services Authority Regulation Number 51/POJK.03/2017 concerning implementing Sustainable Finance for Financial Services Institutions, Issuers and Public Companies. Financial Services Authority Regulation Number 13/POJK.02/2018 concerning Digital Financial Innovation in the Financial Services Sector. Conclusion: The driving force in the Company to carry out sustainable innovation can be seen from the internal and external sides in the form of mutually supportive operations and strategies. The proposed digital transformation strategy for the Bank's continuous innovation is as follows: compliance with regulators, customer-centric, openness principles, and making digital a core value in business.
The Effectiveness of QRIS Transaction Implementation During the COVID-19 Pandemic Sendjaja, Theodorus; Rachbini, Didik J.; Astini, Rina; Asih, Daru
International Journal of Science and Society Vol 5 No 5 (2023): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v5i5.952

Abstract

The Covid-19 pandemic has hit the entire world, including Indonesia, causing severe impacts on the social and economic sectors. Electronic or non-cash money payment systems have progressed along with the development of information technology, in line with the increase in users and service providers of electronic money payment systems. This study aims to analyze the effectiveness of QRIS transaction implementation during the Covid-19 pandemic. Qualitative research is used to bring researchers closer to the phenomenon studied, especially in the context of using QRIS by micro, small and medium enterprises (MSMEs) engaged in food sales. Based on the results of the analysis that has been conducted, the impact of implementing QRIS during the Covid-19 pandemic is as follows: 1) At first, many merchants and the general public did not fully understand the features and benefits of the QRIS program. Hence, the installation of QRIS-based payment gateways for merchant transactions still experienced obstacles. The use of QRIS has not become common because many individuals still do not have an application to carry out these transactions, and sometimes problems related to QR code inaccuracies also become obstacles. 2) Some MSME merchants agree to use QRIS as a payment method because it is more economical and helps reduce the risk of spreading Covid-19. 3) One of the main advantages of using QRIS is the very low transaction fee, only one rupiah. The use of QRIS also provides convenience because it does not require large amounts of cash, and transactions can be completed quickly and safely without the need to carry cash. In addition, no physical interaction is required, which helps reduce the risk of spreading Covid-19. However, there are several disadvantages to using QRIS, including a limit on the number of transactions of up to 2 million rupiah and problems with an unstable internet connection that can limit the use of this system. This shortage may be unavoidable because using QRIS requires internet access and quota for transactions, and there can also be inventory problems in stores.
Cybersecurity In The Digital Age: Developing Robust Strategies To Protect Against Evolving Global Digital Threats And Cyber Attacks Sendjaja, Theodorus; Irwandi; Prastiawan, Erwan; Suryani, Yunita; Fatmawati, Endang
International Journal of Science and Society Vol 6 No 1 (2024): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v6i1.1098

Abstract

In today's digital era, cyber security is a growing challenge, considering increasingly sophisticated cyber attacks and increasing global digital threats. These threats not only pose risks to individual privacy but also to the security of critical infrastructure and the country's economic interests. The need to develop a robust and adaptive cybersecurity strategy is critical to protecting digital assets and maintaining information security. This research aims to analyze the global cyber threat landscape and develop effective cyber security strategies to counter evolving digital threats. The method used is a descriptive qualitative approach by collecting and analyzing data from relevant previous studies. The results of the research show that an effective cybersecurity strategy requires an adaptive and innovative approach, utilizing the latest technology and cross-sector collaboration. The importance of international collaboration and human resource development in the field of cyber security was emphasized as a key factor in building stronger defenses against cyber attacks. Analysis of global cyber threats and their threat actors provides insight into the importance of cybersecurity education and awareness at all levels of organizations and society. The security strategy developed must be able to adapt to changes in technology and attack tactics to ensure effective protection. Cross-sector collaboration and the development of a strong cybersecurity ecosystem are the foundations for facing future cybersecurity challenges.
Operational Continuity in the Age of Digital Insurance: Evaluating BCP and DRP Readiness in GHN System Simanullang, Ridawati Justina; Sendjaja, Theodorus
Management Research Studies Journal Vol. 6 No. 2 (2025): Management Research Studies Journal
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/mrsj.v6i2.885

Abstract

The digital transformation in the insurance industry demands high system resilience to ensure continuous service delivery to customers. This study aims to analyze the integration of Business Continuity Planning (BCP) and Disaster Recovery Plan (DRP) within a digital insurance system, using the Generali Hospital Network (GHN) of Generali Indonesia as a case study. Employing a qualitative descriptive approach based on a case study, the primary data is derived from the author's direct experience as a backend developer of the GHN system. The results reveal that an outage in the Kafka cloud broker caused a failure in transmitting inpatient and outpatient registration data from hospitals, disrupting the printing of key documents and hindering claim processes. The incident highlighted the absence of formal RTO/RPO documentation, lack of Kafka failover, and the absence of disaster recovery simulations. However, as part of the recovery effort, the DevOps team has implemented a monitoring system on GCP integrated with Telegram and email alerts. This study concludes that a well-integrated BCP and DRP are essential to maintaining service continuity and mitigating operational disruption in digital insurance environments
Efektivitas Aplikasi Portal Perlindungan Konsumen (APPK) dalam Perlindungan Konsumen di Sektor Jasa Keuangan Monica Claudia Erlisa; Sendjaja, Theodorus
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma) Vol. 5 No. 3 (2025): Artikel Riset Nopember 2025
Publisher : Yayasan Cita Cendikiawan Al Kharizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v5i3.6902

Abstract

Perkembangan layanan keuangan digital di Indonesia menghadirkan peluang sekaligus risiko bagi konsumen, sehingga diperlukan mekanisme perlindungan yang efektif dan adaptif. Penelitian ini bertujuan menganalisis efektivitas Aplikasi Portal Perlindungan Konsumen (APPK) sebagai inovasi strategis Otoritas Jasa Keuangan (OJK) dalam memperkuat perlindungan konsumen pada sektor jasa keuangan. Metode penelitian menggunakan studi literatur dengan pendekatan kualitatif melalui analisis regulasi, laporan resmi OJK, dan artikel ilmiah yang relevan. Hasil penelitian menunjukkan bahwa APPK memberikan kontribusi nyata dalam meningkatkan aksesibilitas layanan, mempercepat proses penyelesaian pengaduan, dan menghadirkan transparansi yang berdampak pada peningkatan rasa aman serta kepercayaan publik terhadap lembaga keuangan. Namun, efektivitas APPK masih terkendala oleh rendahnya literasi digital dan keuangan masyarakat, terbatasnya sosialisasi, serta lambatnya respons dari Pelaku Usaha Jasa Keuangan (PUJK). Kesimpulan penelitian ini menegaskan bahwa keberhasilan APPK tidak hanya ditentukan oleh kesiapan teknologi, melainkan juga oleh regulasi yang kuat, kualitas layanan industri, serta konsistensi edukasi. Oleh karena itu, penguatan APPK ke depan perlu diarahkan pada peningkatan literasi digital dan keuangan, penerapan standar layanan minimum bagi PUJK, serta pengembangan sistem yang lebih inklusif.
PERAN TEKNOLOGI INFORMASI DALAM MENINGKATKAN KUALITAS LAYANAN DAN KEPUASAN PELANGGAN PADA LIVE STREAMING E COMMERCE Nurlisda, Intan Rahayu; Sendjaja, Theodorus
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 4 (2025): November 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i4.4634

Abstract

Abstract: The digital transformation of the e-commerce sector has given rise to the phenomenon of live streaming, which integrates real-time interactivity, social presence, and instant transactions. This study explores the role of information technology capabilities in shaping digital service quality and examines their influence on customer satisfaction and behavioral outcomes within live streaming e-commerce. The research employs a systematic literature review with a thematic synthesis approach, analyzing articles sourced from Google Scholar, Semantic Scholar, and other academic databases. The findings indicate that information technology capabilities, including platform architecture, real-time data analytics, recommendation algorithms, transaction security, and interactive features, play a significant role in shaping dimensions of digital service quality such as reliability, responsiveness, assurance, empathy, and tangibles. These dimensions subsequently affect the quality of live interactions, the sense of social presence, the credibility of streamers, as well as the effectiveness of gamification and scarcity-based promotions. The results suggest that higher levels of service quality foster greater trust and customer engagement, which in turn enhance satisfaction, loyalty, and the intention to repurchase. Furthermore, the study demonstrates that these relationships are moderated by contextual factors such as product type, live streaming format, consumer digital literacy, and the intensity of promotional activities. The overall conclusion emphasizes that information technology capabilities function not only as technical enablers but also as strategic resources for creating superior digital service quality, improving customer satisfaction, and supporting long-term loyalty and business sustainability in the live streaming e-commerce ecosystem.Keyword: Information Technology, Live Streaming E-commerce, Service Quality, Customer Satisfaction, LoyaltyAbstrak: Transformasi digital dalam sektor e-commerce telah memunculkan fenomena live streaming yang memadukan interaktivitas secara real-time, kehadiran sosial, dan transaksi instan. Penelitian ini bertujuan menelaah peran kapabilitas teknologi informasi dalam membentuk kualitas layanan digital serta dampaknya terhadap kepuasan dan perilaku pelanggan pada konteks live streaming e-commerce. Metode yang digunakan adalah systematic literature review dengan pendekatan thematic synthesis terhadap artikel yang diperoleh dari Google Scholar, Semantic Scholar, dan berbagai database publikasi ilmiah lainnya. Hasil kajian menunjukkan bahwa kapabilitas teknologi informasi, meliputi arsitektur platform, analitik data real-time, algoritma rekomendasi, keamanan transaksi, dan fitur interaktif, berperan penting dalam membentuk dimensi kualitas layanan digital, yaitu reliability, responsiveness, assurance, empathy, dan tangibles. Dimensi layanan tersebut selanjutnya memengaruhi kualitas interaksi secara langsung, kehadiran sosial, kredibilitas host atau streamer, serta efektivitas promosi berbasis gamifikasi dan kelangkaan. Rangkaian pengaruh ini menunjukkan bahwa peningkatan kualitas layanan akan mendorong terbentuknya kepercayaan dan keterlibatan pelanggan, yang kemudian berkontribusi pada kepuasan, loyalitas, serta kecenderungan untuk melakukan pembelian ulang. Penelitian ini juga menemukan bahwa hubungan antarvariabel tidak bersifat mutlak karena dipengaruhi oleh faktor moderator seperti jenis produk, format live streaming, tingkat literasi digital konsumen, serta intensitas promosi. Temuan ini menegaskan bahwa kapabilitas teknologi informasi tidak hanya berfungsi sebagai penopang teknis, tetapi juga menjadi strategi kunci dalam menciptakan layanan digital yang unggul, meningkatkan kepuasan, serta memperkuat loyalitas dan keberlanjutan bisnis dalam ekosistem live streaming e-commerce.Kata Kunci: Teknologi Informasi, Live Streaming E-commerce, Kualitas Layanan, Kepuasan Pelanggan, Loyalitas
Co-Authors Akbar, Ayip Ridwan Ali, Muhammad Fikri Ataya, Nadiyah Kharisma Daru Asih Endang Fatmawati Erna Sofriana Imaningsih Fauziah, Alya Firda Irwandi Kusuma, Athalia Lenny Christina Nawangsari Maulina, Alya Mauliyanto, Mauliyanto Monica Claudia Erlisa Nurlisda, Intan Rahayu Prastiawan, Erwan Putra, Andhika Ahmad Rachbini, Didik J. Rina Astini Rizka, Ismira Rosita Kawandari Simanullang, Ridawati Justina Singmin Johanes Lo Veithzal Rivai Zainal Yanuar Arifin, Asep Yunita Suryani Yusuf Dewang, Eko Sudarmanto Zahrani, Syifa Aulia