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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 Jurnal Pendidikan Indonesia (Japendi) Applied Business and Administration Journal (ABAJ) Jurnal Informatika dan Bisnis Jurnal Social Society Impression : Jurnal Teknologi dan Informasi
Sendjaja, Theodorus
Fakultas Ekonomi Dan Bisnis, Institut Keuangan Perbankan Dan Informatika Asia Perbanas Jl. Perbanas, Karet Kuningan, Setiabudi, Jakarta 12940
Religion Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Nursing Social Sciences Other

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Kartu Kredit Pemerintah sebagai Inovasi dalam Sistem Transaksi Keuangan Digital di Sektor Pemerintah Fauziah, Alya Firda; 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.v4i1.6405

Abstract

Transformasi digital dalam sektor keuangan publik mendorong kebutuhan akan sistem transaksi yang lebih efisien, transparan, dan akuntabel. Artikel ini membahas implementasi Kartu Kredit Pemerintah (KKP) sebagai bentuk inovasi dalam sistem transaksi keuangan digital di sektor pemerintah. KKP bertujuan untuk meningkatkan efektivitas belanja pemerintah dengan mengurangi penggunaan uang tunai dan menyederhanakan proses pembayaran. Studi ini menggunakan pendekatan kualitatif deskriptif dengan analisis terhadap kebijakan, regulasi, serta praktik implementasi di lapangan. Hasil kajian menunjukkan bahwa KKP memberikan berbagai manfaat seperti efisiensi administrasi, pengawasan real-time, dan mitigasi risiko penyimpangan anggaran. Namun, tantangan seperti kesiapan infrastruktur, pemahaman SDM, dan integrasi sistem masih menjadi hambatan utama. Oleh karena itu, diperlukan komitmen lintas sektor dan peningkatan literasi digital untuk mengoptimalkan pemanfaatan KKP sebagai instrumen keuangan digital pemerintah. 
Penggunaan QRIS Sebagai Inovasi Transaksi Digital: Literature Review Ali, Muhammad Fikri; 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.v4i1.6329

Abstract

Penelitian ini bertujuan untuk mengkaji penggunaan QRIS (Quick Response Code Indonesian Standard) sebagai inovasi dalam transaksi digital melalui studi literatur. Metode yang digunakan adalah tinjauan pustaka terhadap berbagai sumber penelitian terkait penerapan QRIS di Indonesia. Hasil kajian menunjukkan bahwa QRIS memberikan kemudahan, efisiensi, dan keamanan dalam transaksi serta mendukung inklusi keuangan, khususnya bagi para pelaku UMKM. Namun, tantangan seperti literasi digital yang rendah dan keterbatasan infrastruktur masih menjadi kendala dalam implementasinya. Simpulan dari kajian ini adalah bahwa QRIS merupakan langkah strategis dalam transformasi sistem pembayaran digital, namun memerlukan dukungan edukasi dan infrastruktur agar penerapannya lebih optimal di seluruh lapisan masyarakat.
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
Adopsi Pembayaran Digital di Era Pasca-Pandemi: Telaah Literatur tentang tren, Tantangan, Implikasi Kebijakan di Indonesia Mokoginta, Etita Alfiana; Sendjaja, Theodorus
Impression : Jurnal Teknologi dan Informasi Vol. 4 No. 3 (2025): November 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jti.v4i3.1098

Abstract

Perkembangan teknologi finansial telah mempercepat adopsi pembayaran digital di Indonesia, terutama sejak masa pandemi COVID-19. Penelitian ini bertujuan untuk meninjau literatur terkini periode 2021–2025 yang ditulis oleh peneliti Indonesia mengenai adopsi digital payment, dengan penekanan pada aspek teknologi, regulasi, dan perilaku konsumen. Metode yang digunakan adalah studi literatur sistematis melalui penelusuran data dari Google Scholar. Hasil kajian menunjukkan bahwa faktor kepercayaan (trust), persepsi kemudahan penggunaan (perceived ease of use), pengaruh sosial (social influence), serta dukungan regulasi melalui implementasi QRIS memiliki peran signifikan dalam mendorong adopsi pembayaran digital. Penelitian ini juga mengusulkan kerangka konseptual yang memposisikan perilaku konsumen sebagai variabel mediasi antara faktor teknologi dan kebijakan terhadap adopsi aktual. Temuan ini memberikan implikasi penting bagi penyedia jasa keuangan dan pembuat kebijakan untuk memperkuat ekosistem pembayaran digital yang aman, inklusif, dan berkelanjutan di Indonesia.   The advancement of financial technology has accelerated the adoption of digital payment systems in Indonesia, particularly during and after the COVID-19 pandemic. This study aims to review recent literature published between 2021 and 2025 by Indonesian researchers concerning digital payment adoption, with a specific focus on technological, regulatory, and consumer behavior factors. A systematic literature review method was employed using sources retrieved from Google Scholar. The findings reveal that trust, perceived ease of use, social influence, and regulatory support through the implementation of QRIS play significant roles in driving digital payment adoption. Furthermore, this study proposes a conceptual framework that positions consumer behavior as a mediating variable linking technological and policy factors to actual adoption. The implications of this research are directed toward financial service providers and policymakers to strengthen a secure, inclusive, and sustainable digital payment ecosystem in Indonesia.regulatory support through QRIS play an important role in determining the adoption of digital payments. This study offers a conceptual framework that places consumer behavior as a mediator between technology and policy on actual adoption. The implications of this research are aimed at financial service providers and regulators to strengthen a secure, inclusive, and sustainable digital payments ecosystem.  
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.
Akselerasi Transformasi Digital sebagai Katalisator Pertumbuhan Ekonomi: Studi Komparatif Kebijakan Singapura dan Indonesia Khairani, Nida; Sendjaja, Theodorus
Jurnal Pendidikan Indonesia Vol. 5 No. 12 (2024): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v5i12.6623

Abstract

Di tengah era globalisasi, akselerasi transformasi digital telah menjadi faktor kunci dalam pertumbuhan ekonomi baik di tingkat domestik maupun global. Melalui pendekatan komparatif, penelitian ini bertujuan untuk menganalisis perbandingan kebijakan transformasi digital antara Singapura dan Indonesia serta mengevaluasi penerapan kebijakan tersebut dalam perekonomian negara. Terutama dari sisi infrastruktur digital, kompetensi sumber daya manusia dan kemitraan antara sektor swasta dan publik. Metode yang digunakan adalah analisis kualitatif dengan laporan resmi dari pemerintah atau lembaga internasional dan studi literatur terdahulu sebagai sumber data sekunder yang digunakan dalam penelitian ini. Hasil temuan penelitian menunjukkan bahwa Singapura telah mampu menciptakan ekosistem perekonomian digital yang lebih matang, sementara Indonesia masih menghadapi sejumlah tantangan dalam hal aksesibilitas infrastruktur dan pendidikan. Meskipun demikian, Indonesia menunjukkan potensi yang besar dalam meningkatkan pertumbuhan ekonomi melalui transformasi digital dengan memperbaiki beberapa kondisi yang menghambat, penelitian ini merekomendasikan pemerintah Indonesia melakukan adopsi terhadap beberapa kebijakan Singapura yang relevan dalam merumuskan solusi
Co-Authors Akbar, Ayip Ridwan Ali, Muhammad Fikri Ataya, Nadiyah Kharisma Daru Asih Didik J Rachbini Endang Fatmawati Erna Sofriana Imaningsih Fauziah, Alya Firda Herman, Grace Anne Sheila Irwandi Khairani, Nida Kusuma, Athalia Lenny Christina Nawangsari Maulina, Alya Mauliyanto, Mauliyanto Mokoginta, Etita Alfiana Monica Claudia Erlisa Mufida, Ismi Muhammad Firman Nurlisda, Intan Rahayu Prastiawan, Erwan Putra, Andhika Ahmad Putra, I Putu Surya Sentana 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