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Designing Ambidextrous AI Governance for Digital Transformation in Fintech Sector Lestari, Merryana; Wijaya, Agustinus Fritz; Puspita, Maria Entina; Vicky
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. 2 (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i3.1042

The rapid integration of Artificial Intelligence (AI) in financial technology (fintech) has created an urgent need for robust governance mechanisms. While AI drives digital transformation by enabling automation, personalization, fraud detection, and operational efficiency, it also introduces critical challenges related to ethics, security, transparency, and regulatory compliance. This study proposes an Ambidextrous AI Governance Framework, grounded in the COBIT 2019 framework, to address these challenges in fintech organizations. The framework balances exploration (innovation, agility, and ethical practices) with exploitation (risk control, compliance, and operational efficiency) through five integrated governance layers: Governance, Strategic Alignment, Ambidextrous, Operational, and Compliance & Assurance. A design science research approach was employed, including a literature review, expert validation, and simulation within a controlled fintech environment. The results showed that the proposed framework improved governance maturity across COBIT domains and embedded principles of trustworthy AI, such as transparency, accountability, and fairness. This research provides a scalable and adaptable model aligned with international standards, such as ISO/IEC 42001, and regulatory frameworks, including the EU AI Act and OJK guidelines. The proposed governance design enables fintech organizations to innovate responsibly while mitigating risks, ensuring compliance, and fostering trust in AI-driven financial services.

An Ambidextrous AI Governance Framework for Smart Cities to Enhance IT Governance and Data Security Agustinus Fritz Wijaya; A’ang Subiyakto; Adhe Ronny Julians; Merryana Lestari; Gloria Batseyba Warella
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. 2 (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i2.1082

This study proposes an ambidextrous AI governance framework grounded in COBIT 2019 to guide the deployment of artificial intelligence in smart city infrastructures while ensuring robust IT governance and data security. The framework blends exploration‑exploitative governance strategies to support innovation in smart urban management, while maintaining accountability, risk control, and regulatory compliance. State‑of‑the‑art review includes AI governance adaptations of COBIT 2019. The study achieved measurable improvements in governance maturity, with notable increases such as a 69.2% enhancement in DSS05 (Manage Security Services) and a 60.7% improvement in APO12 (Managed Risk). The literature review was based on a targeted analysis of peer-reviewed sources published between 2020 and 2025, ensuring relevance to AI governance in smart cities. Keywords are arranged from general to specific to improve indexing and clarity: AI Governance, Smart Cities, COBIT 2019, Ambidextrous Governance, Data Security.

MENGENAL UI/UX: KOLABORASI KREATIVITAS DAN TEKNOLOGI DALAM DESAIN MOBILE INTERFACE Hakim, Bhustomy; Lestari, Merryana; Geasela, Yemima Monica; Chandra, Michelle Mei Diana; Wendy, Albert
Jurnal Pengabdian dan Kewirausahaan Vol 9, No 2 (2025): Jurnal Pengabdian dan Kewirausahaan
Publisher : Universitas Bunda Mulia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30813/jpk.v9i2.9058

Kegiatan Pengabdian kepada Masyarakat (PKM) bertema “Pendalaman UI/UX Desain pada Mobile Interfaces” dilaksanakan di SMA Candle Tree pada tanggal 14 Februari, 28 Februari, dan 14 Maret 2025 dengan tujuan meningkatkan pemahaman dan keterampilan siswa dalam merancang antarmuka aplikasi mobile yang efektif, estetis, dan fungsional. Pelatihan ini dibagi menjadi tiga sesi dengan fokus materi berbeda, yaitu pengenalan teori dasar UI/UX, demonstrasi penggunaan aplikasi desain Figma, serta praktik membuat prototipe antarmuka sederhana. Metode pelaksanaan meliputi ceramah interaktif, demonstrasi langsung, dan latihan praktik, yang memungkinkan peserta memperoleh panduan langkah demi langkah mulai dari prinsip desain, pemilihan tipografi, komposisi warna, pengaturan layout, hingga pembuatan wireframe dan prototipe interaktif. Selama proses pembelajaran, peserta didorong untuk berkolaborasi dan mengembangkan ide desain berdasarkan studi kasus yang relevan, sehingga mampu menghasilkan karya yang sesuai dengan kaidah UI/UX modern. Evaluasi kegiatan dilakukan melalui kuesioner dengan empat indikator utama, yaitu Edukatif, Objektif, Akuntabel, dan Transparan, yang seluruhnya memperoleh skor rata-rata tinggi, dengan nilai tertinggi pada aspek Transparansi (3,90) yang mencerminkan kejelasan penyampaian dan keterbukaan informasi. Hasil ini menunjukkan adanya peningkatan signifikan pada pemahaman konsep desain dan keterampilan teknis peserta dalam menggunakan Figma. Secara keseluruhan, kegiatan ini memberikan dampak positif terhadap pengembangan keterampilan digital dan kreativitas siswa, serta diharapkan menjadi dasar bagi pelaksanaan program lanjutan dengan cakupan materi lebih luas untuk memperkuat kompetensi generasi muda di era transformasi digital

Model Tata Kelola TI Terintegrasi untuk Keamanan Informasi di Sektor Fintech Lestari, Merryana; Puspita, Maria Entina; Wijaya, Agustinus Fritz; Vicky
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. 3 (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i3.943

Penelitian ini menggali penerapan framework tata kelola TI yang tepat khususnya untuk keamanan informasi yaitu dengan mengkombinasikan ISO/IEC 27001:2022, ISO/IEC 27005:2018 dan NIST Cybersecurity Framework 2.0 dalam konteks Perusahaan fintech, serta bagaimana prinsip-prinsip tersebut membantu dalam mitigasi risiko terkait ancaman keamanan informasi. Model tata kelola tersebut terdiri dari 6 (enam) tahapan praktis untuk memperkuat keamanan informasi yang cocok diterapkan khususnya pada Perusahaan fintech, yaitu Inisiasi dan Tata Kelola Perusahaan, Desain dan Implementasi keamanan informasi, Penguatan sumber daya manusia, Keamanan operasional, Keamanan pengembangan, serta Evaluasi dan peningkatan. Model tata kelola ini mendukung perusahaan fintech dalam membangun sistem keamanan informasi yang tangguh, adaptif, dan berkelanjutan, yang mampu melindungi aset, menjaga kepercayaan pelanggan, serta dapat memastikan kelangsungan operasional di tengah ancaman siber yang terus berkembang.

Pengaruh E-Payment Trust terhadap Minat Transaksi pada E-Marketplace Menggunakan Framework Technology Acceptance Model (TAM) 3 Lestari, Merryana; Purnomo, Hindriyanto Dwi; Sembiring, Irwan
Jurnal Teknologi Informasi dan Ilmu Komputer Vol 8 No 5: Oktober 2021
Publisher : Fakultas Ilmu Komputer, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25126/jtiik.2021855212

Transaksi melalui e-Marketplace dilakukan menggunakan transaksi pembayaran secara digital yang disebut sebagai layanan e-Payment. Oleh karena itu, e-Payment memegang peranan penting dalam proses transaksi jual beli pada e-Marketplace khususnya dalam transaksi pembayaran. Seringkali pengguna memiliki kekhawatiran tersendiri dalam melakukan transaksi pembayaran menggunakan e-Payment, salah satu kekhawatiran paling mendasar adalah mengenai jaminan integritas keamanan data dan privasi data pelanggan. Kepercayaan pengguna dipandang menjadi suatu resiko besar yang dapat memberikan pengaruh terhadap minat pembelian pada e-Marketplace. Melalui penelitian ini, akan dianalisis bagaimana tingkat pengaruh kepercayaan pengguna pada e-Payment di Indonesia terhadap transaksi pada e-Marketplace memakai metode Technology Acceptance Model (TAM) versi 3. Hasil penelitian ini merupakan bahan evaluasi bagi vendor e-Marketplace guna melakukan analisis seberapa sering pengguna melakukan transaksi di dalam e-Marketplace sehingga semakin memberikan kepercayaan pengguna untuk melakukan transaksi menggunakan layanan e-Payment. AbstractTransactions through e-Marketplace are carried out using digital payment transactions or commonly referred to as e-Payments. Therefore, e-Payment plays an important role in the process of buying and selling transactions on the e-Marketplace, especially in payment transactions. Often users have their own concerns in making payment transactions using e-Payment, one of the most basic concerns is about guaranteeing data security integrity and customer data privacy. User trust is seen as a big risk that can have an influence on buying interest in the e-Marketplace. Through this research, it will be analyzed how the level of influence of user trust in e-Payment in Indonesia on the impact of purchases on e-Marketplace using the Technology Acceptance Model 3 (TAM 3) framework. The results of this study can be used as evaluation material for e-Marketplace vendors to analyze how often users make transactions in the e-Marketplace so that it gives more confidence to users to make transactions using e-Payment services.

Designing Ambidextrous AI Governance for Digital Transformation in Fintech Sector Lestari, Merryana; Wijaya, Agustinus Fritz; Puspita, Maria Entina; Vicky
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. 2 (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i3.1042

The rapid integration of Artificial Intelligence (AI) in financial technology (fintech) has created an urgent need for robust governance mechanisms. While AI drives digital transformation by enabling automation, personalization, fraud detection, and operational efficiency, it also introduces critical challenges related to ethics, security, transparency, and regulatory compliance. This study proposes an Ambidextrous AI Governance Framework, grounded in the COBIT 2019 framework, to address these challenges in fintech organizations. The framework balances exploration (innovation, agility, and ethical practices) with exploitation (risk control, compliance, and operational efficiency) through five integrated governance layers: Governance, Strategic Alignment, Ambidextrous, Operational, and Compliance & Assurance. A design science research approach was employed, including a literature review, expert validation, and simulation within a controlled fintech environment. The results showed that the proposed framework improved governance maturity across COBIT domains and embedded principles of trustworthy AI, such as transparency, accountability, and fairness. This research provides a scalable and adaptable model aligned with international standards, such as ISO/IEC 42001, and regulatory frameworks, including the EU AI Act and OJK guidelines. The proposed governance design enables fintech organizations to innovate responsibly while mitigating risks, ensuring compliance, and fostering trust in AI-driven financial services.

An Ambidextrous AI Governance Framework for Smart Cities to Enhance IT Governance and Data Security Agustinus Fritz Wijaya; A’ang Subiyakto; Adhe Ronny Julians; Merryana Lestari; Gloria Batseyba Warella
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. 2 (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i2.1082

This study proposes an ambidextrous AI governance framework grounded in COBIT 2019 to guide the deployment of artificial intelligence in smart city infrastructures while ensuring robust IT governance and data security. The framework blends exploration‑exploitative governance strategies to support innovation in smart urban management, while maintaining accountability, risk control, and regulatory compliance. State‑of‑the‑art review includes AI governance adaptations of COBIT 2019. The study achieved measurable improvements in governance maturity, with notable increases such as a 69.2% enhancement in DSS05 (Manage Security Services) and a 60.7% improvement in APO12 (Managed Risk). The literature review was based on a targeted analysis of peer-reviewed sources published between 2020 and 2025, ensuring relevance to AI governance in smart cities. Keywords are arranged from general to specific to improve indexing and clarity: AI Governance, Smart Cities, COBIT 2019, Ambidextrous Governance, Data Security.

Information Technology Governance Design in DevOps-Based E-Marketplace Companies Using COBIT 2019 Framework Lestari, Merryana; Iriani, Ade; Hendry, Hendry
INTENSIF: Jurnal Ilmiah Penelitian dan Penerapan Teknologi Sistem Informasi Vol 6 No 2 (2022): August 2022
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/intensif.v6i2.18104

The E-Marketplace system is a digital place where sellers and buyers meet virtually, and transactions can be processed safely. E-Marketplace companies are oriented toward consumer-centric products and services and operate and have 24/7 non-stop transaction activities. E-Marketplace system development has become the digital transformation in Information Technology (IT) governance that meets the requirements of a system-based automated control with the application of DevOps principles. This study uses a mixed method approach through questionnaires, interviews, expert judgment, and relevant literature reviews related to the e-Marketplace system and IT governance concepts using the COBIT 2019 framework, which has 11 design factors with 40 IT processes to obtain the most appropriate governance model for e-Marketplace companies. The results were obtained in the form of 6 (six) methods in the IT governance model using the DevOps approach, namely the APO03 – Managed Enterprise Architecture, APO04 – Managed Innovation, BAI04 – Managed Availability and Capacity, BAI06 – Managed IT Changes, BAI11 – Managed Projects, and DSS03 – Managed Problems with a score ≥ 75 and the capability level target is at level 4.

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