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All Journal Electronic Journal of Graph Theory and Applications (EJGTA) Indonesian Journal of Mathematics and Natural Sciences Sainteknol : Jurnal Sains dan Teknologi International Journal of Advances in Intelligent Informatics Educational Management Humanis : Jurnal Ilmu-Ilmu Sosial dan Humaniora JRPM (Jurnal Review Pembelajaran Matematika) PROFIT JTAM (Jurnal Teori dan Aplikasi Matematika) Unnes Journal of Mathematics Education Research Journal of Primary Education Symmetry: Pasundan Journal of Research in Mathematics Learning and Education M A T H L I N E : Jurnal Matematika dan Pendidikan Matematika Imajiner: Jurnal Matematika dan Pendidikan Matematika SEPREN: Journal of Mathematics Education and Applied Euler : Jurnal Ilmiah Matematika, Sains dan Teknologi Unnes Journal of Mathematics Proceeding ISETH (International Summit on Science, Technology, and Humanity) SJME (Supremum Journal of Mathematics Education) Academia Open
Isnaini Rosyida, Isnaini
Department Of Mathematics, Universitas Negeri Semarang, Semarang, Indonesia
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Journal : Academia Open

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Digital Transformation Drives Banking Financial Performance Evidence from Indonesia: Transformasi Digital Mendorong Kinerja Keuangan Perbankan di Indonesia Nova, Amellia; Darmayanti, Novi; Rosyida, Isnaini Anniswati
Academia Open Vol. 11 No. 1 (2026): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.11.2026.13999

Abstract

This study examines determinants of banking financial performance in the context of post-pandemic recovery and digital economy transition. General Background: The Indonesian banking sector experienced structural shifts during 2021–2024 due to digitalization, regulatory changes, and competitive pressures. Specific Background: Strategic Performance Measurement System (SPMS), Enterprise Risk Management Disclosure (ERMD), and digital transformation are considered key managerial and governance mechanisms influencing financial outcomes. Knowledge Gap: Prior studies largely analyze these variables separately, with limited integrated evidence and inconsistent findings, particularly in Indonesian banking during the post-pandemic period. Aims: This study aims to analyze the simultaneous and partial relationships of SPMS, ERMD, and digital transformation on financial performance, proxied by Return on Assets (ROA), with firm size as a control variable. Results: Using panel data regression with 180 observations from 45 banks, the findings reveal that SPMS and ERMD do not show significant relationships with financial performance, while digital transformation demonstrates a significant positive relationship. Simultaneously, all variables contribute significantly, although the explanatory power remains limited (Adjusted R² = 0.0921). Novelty: This study integrates strategic measurement, risk disclosure, and digital capability within a single analytical framework during the 2021–2024 transition period. Implications: The findings highlight digital capability as a dominant driver of banking profitability, suggesting that integrated digital transformation strategies are essential for sustaining competitiveness in the digital economy. Highlights• Digital capability shows the strongest statistical relationship with profitability indicators• Disclosure-based mechanisms display non-significant statistical relationships• Combined model explains financial variation despite limited explanatory power KeywordsDigital Transformation; Financial Performance; Banking Sector; Enterprise Risk Management Disclosure; Strategic Performance Measurement System
Central Bank Digital Currency Adoption Determinants in Developing Countries: Determinan Adopsi Central Bank Digital Currency di Negara Berkembang Auliya, Elena; Darmayanti, Novi; Rosyida, Isnaini Anniswati
Academia Open Vol. 11 No. 1 (2026): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.11.2026.14004

Abstract

General Background: The rapid digital transformation of financial systems has accelerated the development of Central Bank Digital Currency (CBDC) as a strategic instrument in modern monetary policy and payment systems. Specific Background: In developing countries such as Indonesia and Nigeria, CBDC adoption varies due to differences in implementation stages, financial ecosystems, and public readiness. Knowledge Gap: Previous studies predominantly focus on technological and macroeconomic determinants, with limited integration of financial literacy, monetary policy accountability, and trust in financial authorities within a unified cross-country model. Aims: This study aims to examine the role of financial literacy, monetary policy accountability, and trust in financial authorities in shaping CBDC adoption using a mixed method approach. Results: The findings reveal that financial literacy and trust exhibit negative and significant relationships with CBDC adoption, reflecting increased public critical awareness of risks, while monetary policy accountability shows a positive and significant relationship. Simultaneously, all variables significantly explain CBDC adoption with high explanatory power (Adjusted R² = 0.962083). Novelty: This study integrates cognitive, institutional, and psychological dimensions in a cross-country analysis, providing a multidimensional perspective on CBDC adoption in developing economies. Implications: The results suggest that CBDC implementation requires comprehensive and adaptive policies emphasizing public trust, transparency, and risk communication beyond technological readiness. Highlights• Financial literacy relates negatively to adoption due to heightened risk awareness• Monetary governance transparency strengthens acceptance of digital currency systems• Trust deficits remain a critical barrier in early-stage implementation contexts KeywordsCentral Bank Digital Currency; Financial Literacy; Monetary Policy Accountability; Trust In Financial Authorities; Developing Countries
Co-Authors - Hwihanus Abdurahim, Abdurahim Adi Nur Cahyono Anggraini, Lana Aristya Arifah, Nafiqotun Asih, Tri Sri Noor Aula, Maulida Fatma Reza Auliya, Elena Baihaqi, Muhamad Adzib Budi Waluya, St. Danieryanto, Erlia Dewi, Nuraliftsa Maharani Diari Indriati Fitriyani, Eka Retna Hardi Suyitno Have Zulkarnaen Huda, Muhamad Nurul Indah E. Wijayanti Isnarto, Isnarto Iwan junaedi Jahfaludin, Abi Junaedi , Iwan Kharomah, Siti Ismiatul Kiki A. Sugeng Kristina Wijayanti Mashuri Mashuri Mulyono Mulyono Nisarohmah, Nur Ilmia Noriza Munahefi, Detalia Nova, Amellia Novi Darmayanti Nurdini, Eka Nurhalisha, Erina Nurkaromah Dwidayati, Nurkaromah Priscilia, Priscilia Monica Praneswari Putri, Neli Septiana Putriaji Hendikawati Rachmani Dewi, Nuriana Radian Sri Rama Riawati, Beti Riyadhotul Janah, Siti Rochmad - Safitri, Fristy Aulia Salsadina, Nida Alifa Scolastika Mariani Siti Muawanah Siti Nur Hidayati Slamet Riyadi St. Budi Waluya Suparmi Suparmi Suryono Suryono Susanti, Desmiani Sutri Handayani W. Widodo Wahyuningsih, Vebryana Wardono Wardono Wibowo, Harris Adi Widiantomo, Gilar Ajie Wiharno, Wiharno Zaenuri Mastur