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All Journal Jurnal Manajemen Pelayanan Publik Edukasi Islami: Jurnal Pendidikan Islam JIA (Jurnal Ilmiah Agribisnis) : Jurnal Agribisnis dan Ilmu Sosial Ekonomi Pertanian Jurnal Abdi Insani Indonesian Journal of Electrical Engineering and Computer Science Jurnal Administrasi Bisnis FISIPOL UNMUL Dialogue: Jurnal Ilmu Administrasi Publik Lumbung Inovasi: Jurnal Pengabdian Kepada Masyarakat Dharmawangsa: International Journal of the Social Sciences, Education and Humanitis Jurnal Sosiologi, Antropologi, dan Budaya Nusantara Sanskara Manajemen dan Bisnis West Science Law and Human Rights West Science Business and Management West Science Interdisciplinary Studies West Science Interdisciplinary Studies West Science Social and Humanities Studies West Science Nature and Technology Jurnal Healthy Mandala Waluya Accounting Student Research Journal Jurnal Tarreang: Tren Pengabdian Masyarakat Agrokompleks Jurnal Penggerak Pendidikan dan Pembelajaran
Hildawati Hildawati, Hildawati
Universitas Diponegoro
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Transportation Other

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Journal : West Science Interdisciplinary Studies

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The Effect of Employee Digital Competencies, Technology Infrastructure, and Local Government Support on the Effectiveness of Islamic Banking Digitalization in Bandung City Hildawati, Hildawati; Sono, M Gifari; Pahrijal, Rival
West Science Interdisciplinary Studies Vol. 3 No. 05 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i05.1951

Abstract

This study investigates the factors influencing the effectiveness of Islamic banking digitalization in Bandung City. Specifically, it examines the roles of Employee Digital Competencies (EDC), Technology Infrastructure (TEI), and Local Government Support (LGS) in shaping the success of digital transformation in Islamic banking institutions. A total of 220 respondents from various Islamic banks in Bandung participated in this research. Data were collected through a structured questionnaire with a 5-point Likert scale, and analyzed using Structural Equation Modeling - Partial Least Squares (SEM-PLS 3). The results reveal that Employee Digital Competencies, Local Government Support, and Technology Infrastructure significantly and positively influence the effectiveness of digitalization. The findings suggest that employee skills, government support, and robust technology infrastructure are essential for successful digital transformation in Islamic banking. This study contributes to the understanding of the digitalization process in Islamic financial services and provides practical recommendations for banking practitioners and policymakers in fostering an environment conducive to digital innovation.
Analysis of Financial Technology Adoption, Financial Literacy, and Ease of Transactions on the Financial Satisfaction of E-Commerce Consumers in Central Java Hildawati, Hildawati; Pahrijal, Rival; Andiani, Paramita
West Science Interdisciplinary Studies Vol. 4 No. 02 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i02.2641

Abstract

This study aims to analyze the influence of financial technology application, financial literacy, and ease of transactions on the financial satisfaction of e-commerce consumers in Central Java. A quantitative approach was employed using survey data collected from 150 respondents through a structured questionnaire measured on a Likert scale. Data analysis was conducted using SPSS version 25, including validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The results indicate that financial technology application has a positive and significant effect on financial satisfaction, showing that the use of digital payment systems enhances efficiency and consumer confidence. Financial literacy also demonstrates a significant positive influence, suggesting that consumers with better financial understanding tend to make more responsible financial decisions and experience higher satisfaction. Ease of transactions emerges as the most dominant factor affecting financial satisfaction, highlighting the importance of user-friendly and efficient payment processes in e-commerce environments. Simultaneously, all independent variables significantly influence financial satisfaction, with the model explaining 61.0% of the variance. These findings imply that improving digital financial services, strengthening financial literacy, and enhancing transaction convenience are essential strategies for increasing consumer financial well-being in the digital economy⁠.
Co-Authors - Afrizal Ahmad Luthfi Amanda, Dwi Resti Andiani, Paramita Anwar Anwar Arkanudin Arkanudin Arnes Yuli Vandika Batuallo, Ignasia Debbye Belman, Aco Iham Budi, Hasiun Dedy Afrizal Delta Nabilla Maharani Desi Safitri Dia Meirina Suri Dina Purnama Sari Dwi Surti Junida Elya, Elya Fernando, Joshua Grace Tahapary, Grace Hafrida, Lis Haisyah, Haisyah Hariyanto, Oktoviyan Catur hatina, hatina Hikmatur Rahmah Irwayuni, Irwayuni Iswandi, R. Marsuki Judijanto, Loso Kabisatio AS., Permi Kasih, Ridia Utami Khairri Shariffuddin, Mohd Dino Larasati, Azizah Lis Hafrida Lutfiah Lira Irwanti Mahmuddin Mahmuddin MUHAMMAD SAID Naima Nazira, Fitri Nursyam Nursyam Pahmi Amri Pahrijal, Rival Pangesti, Windari Artha Pertiwi, Niken Ayu Puspa, Leonora Rahmi, Ilfa Rere Pauztio Noso Rifky , Sehan Salim, Ahmad Agus Sanjaya, Muhammad Fahyu Sari, Yulianda Sawira, Wiwi Sono, M Gifari Supiyandi, Andi Suriana Suriana Teressa, Roma Wa Ode Nova Noviyanti Wallang, MUslimin Yanti, Meri