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All Journal JURNAL MAKRO MANAJEMEN Sosial : Jurnal Ilmu-Ilmu Sosial Ekopem: Jurnal Ekonomi Pembangunan MADURANCH: JURNAL ILMU PETERNAKAN Journal of Artificial Intelligence and Engineering Applications (JAIEA) Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam YOS SOEDARSO ECONOMICS JOURNAL Jurnal Riset Multidisiplin Edukasi Jurnal Cendekia Ilmiah
Achmarul Fajar
Fakultas Ekonomi, Universitas Madura
Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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TRANSFORMASI DIGITAL PADA INDUSTRI PERBANKAN DAN DAMPAKNYA TERHADAP PELAYANAN NASABAH Putri Fatimah; Nauval Khair; Moh. Hanafi; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 7 (2026): Jurnal Riset Multidisiplin Edukasi (Juli 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i7.2341

Abstract

Digital transformation has become one of the primary strategies adopted by the banking industry to address technological advancements and changing customer behavior. This study aims to analyze the implementation of digital transformation in the banking industry, examine its impact on customer service, and identify the benefits and challenges arising from the digitalization process. This research employs a qualitative method using a library research approach by collecting data from scientific journals, articles, books, official reports, and other credible sources. The findings indicate that digital transformation in banking is implemented through various innovations, including mobile banking, internet banking, artificial intelligence (AI), big data analytics, and digital customer onboarding. These technologies have generated positive impacts such as 24-hour service accessibility, improved transaction speed and efficiency, enhanced customer satisfaction, and reduced operational costs. However, digital transformation also presents several challenges, including cybercrime threats, personal data breach risks, high technology investment costs, human resource adaptation, and regulatory compliance. Therefore, optimization strategies are required through strengthening information security systems, improving digital literacy, developing customer-oriented service innovations, and fostering collaboration with financial technology companies to support successful digital transformation in the banking sector.
Analisis Pengaruh Penggunaan Uang Elektronik (E-Wallet) terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi & Bisnis di Universitas Madura Achmarul Fajar; Salwa Andina Agustin; Maulidatus Sholihah; Arikatul Faradies
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.1907

Abstract

Advances in digital technology, particularly the use of e-wallets, have brought about significant changes in students’ transaction patterns and consumption behavior. The convenience, speed, and various promotions offered have made e-wallets increasingly popular among students, but they also have the potential to encourage consumerist behavior. This study aims to analyze the influence of e-wallet use on the consumerist behavior of students in the Faculty of Economics and Business at Madura University. The method used is a qualitative approach with a phenomenological research design. Data were collected through online questionnaires, interviews, and observations of 100 respondents selected using purposive sampling. The results indicate that e-wallet usage increases transaction frequency and encourages impulsive purchases, particularly for lifestyle-related products. Furthermore, most students do not have the habit of tracking their expenses, making it difficult for them to manage their finances. On the other hand, e-wallets also offer benefits such as transaction efficiency and easy access to digital services. Thus, the use of e-wallets has a dual impact: it serves as a tool that facilitates transactions while simultaneously having the potential to accelerate consumer behavior if not balanced with financial literacy and good self-control.
SINERGI INKLUSI KEUANGAN DAN LITERASI KEUANGAN DALAM EKOSISTEM DIGITAL TERHADAP KINERJA UMKM DI KOTA SURABAYA Fredy Apritama Djunaidi; Galang Febriansyah; Ach. Royis Rizaldy; Adam Ahmad; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.1908

Abstract

This study aims to analyze the synergy between financial inclusion and financial literacy within the digital ecosystem and its impact on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Surabaya City. The rapid development of digital financial services such as mobile banking, e-wallets, and QRIS has provided broader access for MSMEs to engage with formal financial systems. However, the utilization of these services is still not optimal due to the limited level of financial literacy among business actors. This research employs a descriptive qualitative approach using a literature review method by examining various academic journals, books, and official institutional reports. The findings indicate that financial inclusion in the digital ecosystem improves access to financing, enhances transaction efficiency, and supports market expansion for MSMEs. Meanwhile, financial literacy plays a crucial role in improving financial management capabilities, decision-making processes, and risk control (Lusardi & Mitchell, 2014). Furthermore, this study finds that the synergy between financial inclusion and financial literacy produces a more significant impact on MSME performance compared to when these variables are applied separately. MSMEs that have both access to financial services and adequate financial knowledge tend to experience improvements in income, operational efficiency, competitiveness, and business sustainability (Demirgüç-Kunt et al., 2018). In the context of Surabaya, the digital ecosystem acts as a supporting factor that strengthens this relationship. Therefore, strengthening financial literacy and expanding digital financial inclusion are essential strategies to improve MSME performance sustainably (OJK, 2023).
Co-Authors Ach. Royis Rizaldy Adam Ahmad Ahmad Yahya Anas Ahmad Yudi Heryadi Aisyah Safitri Akhmad Faishol Zaidani Akhmad Faishol Zaidani Alyaa Destra A.f Arikatul Faradies Ayu Maulidia Fredy Apritama Djunaidi Furqon, Moh. Amir Galang Febriansyah Ghali Fersi Saputra Junaidi Efendi Kasanova, Ria Lailatul Maulida Maulidatus Sholihah Moh. Ali Fajar Sidiq Moh. Hanafi Moh.Yogi Nuruzzalam Mohammad Amir Furqon Hayat Nauval Khair Nur Alvian Firmansyah Putri Fatimah Raka Dwi Pahingga Runik Puji Rahayu Salwa Andina Agustin Serli Febriyanti Silvia Anita Dewi Siti Maulidah Sitti Nur Aini