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All Journal Jurnal Teknik Komputer AMIK BSI Emerging Science Journal Educoretax Jurnal Abdimas Perbanas Prosiding Seminar Nasional Sisfotek (Sistem Informasi dan Teknologi Informasi) Innovative: Journal Of Social Science Research Security Intelligence Terrorism Journal (SITJ)
Steph Subanidja
Perbanas Institute
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Leveraging Financial Technology Entity into Sustainable Bank Performance through a Competitive Advantage Steph Subanidja; Fangky Antoneus Sorongan; Mercurius Broto Legowo
Emerging Science Journal Vol 6, No 1 (2022): February
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2022-06-01-04

Abstract

The study investigates the existence of a fintech entity that effect sustainable bank performance through competitive advantage and introduces a new fintech entity as an antecedent of competitive advantage and performance. Analysis of the causes of disturbance of the performance uses quantitative and qualitative approaches. The study uses 59 questionnaires returned from all 70 bank financial managers as a National Commercial Bank Association member. Five informants were selected from the Central Bank of Indonesia, the Financial Services Authority, the Indonesian Fintech Association, a bank business player, and the Commercial Bank Association Management. Using Partial Least Square, the results show that the fintech entity can drive sustainable bank performance, directly and indirectly, through competitive advantage. The existence of fintech is a dominant factor for achieving performance. From the informants, the results show that collaboration with a fintech entity is necessary and initially, the banks in running a business based on a perspective of experience. Moreover, Informants predicted that fintech and competitive conditions would significantly influence performance in the present and the future. Then, the implication is that fintech cannot be avoided but must be embraced as bank cooperation partners to sustain the performance. Doi: 10.28991/ESJ-2022-06-01-04 Full Text: PDF
FINTECH AND BANK: PAST, PRESENT, AND FUTURE Mercurius Broto Legowo; Steph Subanidja; Fangky Antoneus Sorongan
JURNAL TEKNIK KOMPUTER Vol 7, No 1 (2021): JTK-Periode Januari 2021
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (269.247 KB) | DOI: 10.31294/jtk.v7i1.9726

Abstract

Financial Technology has long been applied to the financial and banking sectors until the emergence of financial technology innovation called FinTech. Referring to the evolution of FinTech until now, FinTech influences the Bank's activities from the past, present, and future. Based on these facts, this research aims to present a descriptive analysis of FinTech and Bank in the past, present, and future, especially in Indonesia as a case study.  This study uses a descriptive analysis research method and using qualitative method approaches. This descriptive analysis is carried out by critically reviewing various relevant scientific journals, the facts of the FinTech phenomenon in Indonesia, and documentation papers from banking institutions. The results of this analysis reveal what happened to FinTech and the Bank in the past, present, and future. The contributions from this study can provide insight and understanding related to FinTech and banks in the past, present, and future more in-depth.  
Sustainable Bank Performance Antecedents in the Covid-19 Pandemic Era: A Conceptual Model Steph Subanidja; Fangky Antoneus Sorongan; Mercurius Broto Legowo
Emerging Science Journal Vol 6, No 4 (2022): August
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2022-06-04-09

Abstract

The study proposes a conceptual model of sustainable bank performance antecedents in the Covid-19 Pandemic Era. This study uses a qualitative perspective. Data gathering is done using depth interviews with the Indonesian Central Bank, the Authority of Financial Services, and the National Commercial Banks Association members. Using ethnography analysis from interviews, focus group discussions, and previous studies shows that many variables affect the performance. However, the exogenous variable on performance is without precisely placing fintech and regulations as an antecedent. The study results then constructed the fintech and regulations as intervening and moderating variables for the performance, whereas the other variables were as business driver variables. The study's improvement is that fintech and regulations are the main antecedents for the performance during the pandemic. Fintech is not only an entity outside the bank but also an innovation inside the bank. Moreover, the other improvement is that the bank is not only an institution of customer trust but also an institution with a full touch of technology. Consequently, banks must adopt fintech, and cooperating with fintech entities is a wise choice. The study then proposes a conceptual model of sustainable bank performance that connects business drivers, fintech, and regulations. Doi: 10.28991/ESJ-2022-06-04-09 Full Text: PDF
Strategi Marketing Melalui Desain Kemasan Bagi Pelaku Usaha Makanan dan Minuman di Jakarta Selatan Hikmah A Rachman; Patria Laksamana; Inung Wijayanti; Erina Sovania; Stefanus MS Sadana5; Steph Subanidja; Reny Fitriana Kaban
Jurnal Abdimas Perbanas Vol. 2 No. 2 (2021): Jurnal Abdimas Perbanas
Publisher : Perbanas Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (685.875 KB) | DOI: 10.56174/jap.v2i2.427

Abstract

Dampak yang terlihat langsung akibat pandemi COVID-19 bagi perekonomian di Indonesia adalah penurunan pendapatan hingga 70,53% bagi masyarakat - Badan Pusat Statistik per 1 Juni 2020 yang berasal dari 87.379 responden. Pada Q1 2020, perekonomian Indonesia hanya tumbuh sebesar 2,97 persen dari target 5 persen. Selisih 2,03 persen ini dihitung dari posisi Produk Domestik Bruto (PDB) terakhir senilai Rp15.800 T. Kelompok yang terkena imbas tersebut kebanyakan berasal dari para pekerja di sektor informal dengan pendapatan di bawah Rp1,8 juta.   Beberapa sektor ekonomi jelas telah mengalami penurunan sehingga menyebabkan terjadinya PHK dan turunannya. Para karyawan atau rumah tangga yang mengalami penurunan pendapatan guna mempertahankan kelangsungan hidupnya, mereka melakukan wirausaha dengan cara membentuk usaha kecil-kecilan. Minimnya pengetahuan dan pengalaman yang mereka miliki menjadikan usaha yang dilakukan dirasa kurang optimum dan professional. Untuk membantu percepatan pertumbuhan tersebut , Provinsi DKI Jakarta sebagai salah satu poros pertumbuhan ekonomi Nasional telah menyiapkan program dalam rangka menumbuhkan Wirausaha Baru dan juga Wirausaha Naik Kelas melalui kegiatan Jakpreneur. Jakpreneur merupakan salah satu Kegiatan Strategis Daerah (KSD), dengan landasan hukum Pergub Nomor 2 Tahun 2020 yang merupakan penyempurnaan standarisasi kerja dalam program OK OCE yang dimulai pada 2018 dan Pengembangan Kewirausahaan Terpadu (PKT) pada 2019 lalu.  
Model Mekanisme FinTech untuk Inovasi Teknologi pada Industri Keuangan dan Perbankan Indonesia Mercurius Broto Legowo; Steph Subanidja; Fangky Antoneus Sorongan
Prosiding SISFOTEK Vol 4 No 1 (2020): Vol 4 No 1 (2020): SISFOTEK 2020
Publisher : Ikatan Ahli Informatika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (583.03 KB)

Abstract

FinTech, a word derived from a combination of "Financial" and "Technology”. Nowadays, this term refers to a new business in the Indonesian financial and banking industry, a technological innovation that is attracting public attention. The purpose of this study is to develop a FinTech mechanism model for technological innovation in the Indonesian Financial and Banking Industry. Problems arise in how to develop the FinTech mechanism model that influenced by business drivers factors, which in turn has an impact on technology innovations that developed. In this case study, the research used is mixed-method, which is a method that combines qualitative and quantitative methods. Qualitative research data were collected using the literature study, in-depth interviews, and Focus Group Discussions with related parties. Data survey using a questionnaire conducted for quantitative research, where the data was processed using smartPLS software. The results of this study produce a theoretical framework, which is the basis of the conceptual framework and empirical model of this research. The results of empirical tests on this model show that the FinTech mechanism has a role in mediating business drivers factors towards technology innovations developed in the Indonesian Financial and Banking Industry. The contribution of this research can provide insight and understanding for researchers and practitioners who want to develop business models related to FinTech in more depth.
Bridging Sustainable Bank Performance through Fintech and Enacted Norms Steph Subanidja; Fangky A. Sorongan; Mercurius B. Legowo
Emerging Science Journal Vol 7, No 6 (2023): December
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2023-07-06-017

Abstract

Since the launch of green banking, the Government Authority still needs to accommodate enacted norms and fintech in measuring sustainable bank performance. Empirically, this study aims to reveal the impact of variables and business drivers on sustainable bank performance. This research uses a quantitative approach through path analysis. By analysing 70 out of 78 bank managers or directors who are members of the National Banking Association as respondents, this study states that business drivers, fintech, and enacted norms encourage sustainable bank performance improvement. In addition, fintech and enacted norms are suitable as moderating and exogenous variables for sustainable bank performance, but the variables are not endogenous variables for business drivers. In addition, fintech and enacted norms can bridge the achievement of sustainable bank performance. The originality of this research is that enacted norms and fintech are the moderating variables in realising bank sustainability. The research suggests that enacted norms should be one of the new dimensions in measuring bank sustainability, and the existence of fintech could be an integral part of realising sustainable bank performance. Doi: 10.28991/ESJ-2023-07-06-017 Full Text: PDF
Threat Analysis of the Rejection of the Policy on the Excise Extensification of Sugar-Sweetened Beverages in Packaging Utama, Ramadaan Galih; Subanidja, Steph
Security Intelligence Terrorism Journal (SITJ) Vol. 2 No. 2 (2025)
Publisher : Pusat Studi Politik dan Kebijakan Strategis Indonesia (POLKASI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70710/sitj.v2i2.53

Abstract

The excise policy on sugar-sweetened beverages (SSB), which has been regulated in Law No. 7 of 2021 concerning the Harmonization of Tax Regulations, faces significant implementation challenges, especially from the resistance of industry players. The purpose of this study is to analyze the potential threat of rejection of the excise policy on sugar-sweetened beverages (SSB) and formulate an intelligence strategy in dealing with these threats. The research was conducted using qualitative research methods with data collection techniques from in-depth interviews with relevant stakeholders, observations, and library research. The results of the study show that there is a serious threat of policy rejection, which is characterized by a systematic pattern of resistance from industry players through the construction of negative narratives, the utilization of financial capacity for policy interventions, and the momentum of post-pandemic economic vulnerability. Multinational companies with strong financial capabilities and extensive networks have the potential to intervene in the policy process through various strategic approaches. The research recommends the preparation of an integrated intelligence strategy through three dimensions: accelerating the issuance of Government Regulations, building an inclusive multistakeholder dialogue platform, and designing an accommodative transition mechanism. This strategy is formulated to prevent strategic surprises through scenario planning that formulates anticipatory and preventive measures for the implementation of the excise policy on sugar-sweetened beverages (SSB).
Indonesia's Diplomatic Strategy in Countering Vanuatu's Support for the Papuan Separatist Movement in the South Pacific Setiawan, Dani Eka; Subanidja, Steph
Security Intelligence Terrorism Journal (SITJ) Vol. 2 No. 3 (2025)
Publisher : Pusat Studi Politik dan Kebijakan Strategis Indonesia (POLKASI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70710/sitj.v2i3.64

Abstract

This research analyzes Vanuatu's diplomatic strategy in supporting the separatist movement in Papua and Indonesia's response through intelligence and policy approaches. Using qualitative methods, data were collected through in-depth interviews with stakeholders, analysis of official documents, and participant observation. The results show that Vanuatu utilizes international forums such as the UN and the Melanesian Spearhead Group (MSG) to promote the Papuan issue, supported by a network of pro-independence activists. Indonesia responds through active diplomacy, counter-narratives, and increased economic cooperation with Pacific countries. Intelligence analysis identifies threats to national sovereignty, while policy recommendations emphasize a multilateral approach and strengthening domestic security. These findings contribute to the literature on separatist conflict management and the role of intelligence in foreign policy.
The Threat Of Tax Avoidance By Multinational Companies Through Profit Shifting Wigiana, Lira; Subanidja, Steph; Supriyadi, Edy
Educoretax Vol 4 No 4 (2024)
Publisher : WIM Solusi Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54957/educoretax.v4i4.779

Abstract

Tax is a mandatory contribution that taxpayers must submit to the state in accordance with the provisions of the law. However, in reality, tax avoidance by multinational companies through profit shifting has resulted in Indonesia losing tax revenue every year. Based on this, the discussion in this study is the causes of the threat of tax avoidance by multinational companies through profit shifting. This research also discusses intelligence strategies in facing the threat of tax avoidance. The method used is qualitative with data sourced from interviews and literature studies. The analysis used is Creswell analysis processed through the Nvivo application. This research also uses data source triangulation to examine data validity. Based on the research results, the causes of this threat are the intention and ability to jeopardize tax revenue. Intelligence strategies in facing this threat are a combination of intelligence objectives, intelligence methods, and intelligence resources. Intelligence objectives include state revenue, tax compliance, and Data-Based Organizations. Intelligence methods include Business Intelligence (BI), Compliance Risk Management (CRM), and data analysis. Intelligence resources include cooperation and data and information.
The role of geospatial technology intelligence in efforts to prevent non-compliance of palm oil taxpayers Bukit, Bollyazi Haru; Supriyadi, Adang; Subanidja, Steph; Prasetyono, Budi; Mado, Aloysius
Educoretax Vol 5 No 2 (2025)
Publisher : WIM Solusi Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54957/educoretax.v5i2.1363

Abstract

This study discusses the forms of threats, the role of intelligence and geospatial technology intelligence in efforts to prevent the threat of tax evasion in the palm oil sector related to data on area, age of plants and the reasonableness of plantation productivity by utilizing geospatial data. This study is a qualitative study with a descriptive design. The results of the study indicate that there is a form of threat of palm oil tax evasion mode related to the unreasonableness of turnover reporting based on data analysis of area, age of plants and the reasonableness of plantation productivity by utilizing geospatial data, and the role of BIN is needed to oversee the Palm Oil Governance Task Force, and the role of tax intelligence through geospatial data-based technology intelligence to prevent tax evasion mode related to the reasonableness of the area, age and productivity of plantations reported by taxpayers. It is hoped that this study can be an input for the Directorate General of Taxes to complete the tools for monitoring taxpayer compliance in the palm oil sector, so that it is in line with the objectives of the palm oil governance task force together with other government stakeholders who are interested in the palm oil business in Indonesia.
Co-Authors Bagus Sucitra, IGN Bukit, Bollyazi Haru Edy Supriyadi Erina Sovania Fangky A. Sorongan Fangky Antoneus Sorongan Hikmah A Rachman Inung Wijayanti Mado, Aloysius Mercurius B. Legowo Mercurius Broto Legowo, Mercurius Broto Patria Laksamana Prasetyono, Budi Setiawan, Dani Eka Stefanus M S Sadana Sumardijanto, Sumardijanto Supriyadi, Adang Utama, Ramadaan Galih Wigiana, Lira