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All Journal International Journal of Public Budgeting, Accounting and Finance Jurnal Mantik JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Bisnis Net : Jurnal Ekonomi dan Bisnis International Journal of Applied Finance and Business Studies Jurnal Akuntansi, Keuangan dan Perpajakan
Novi Handayani Simbolon
Politeknik Negeri Medan, Indonesia
Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Journal : Jurnal Mantik

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The effect of digital banking trends on the growth of banking fee-based income Novi Handayani Simbolon
Jurnal Mantik Vol. 7 No. 3 (2023): November: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v7i3.4298

Abstract

The development of information technology which is very significant in the current 4.0 revolution era is increasingly directing the creation of changes in consumption patterns in people's lives that are moving towards digital, thus encouraging the banking industry to accelerate the transformation into digital banks that are packaged and developed with the aim of providing fast and fully accessible services independently by customers while still prioritizing the principle of security over the confidentiality of personal data optimized through digital technology systems by issuing digital banking services. This study aims to determine the effect of digital banking trends on the growth of banking fee-based income in Indonesia through a quantitative data analysis process obtained through secondary data documentation techniques through the website of each bank which is then processed using the help of the Eviews 10 program through panel data regression tests. The population in this study were all Persero Banks in Indonesia for the period 2018 to 2022, totaling 5 banks. The sample selection was carried out using purposive sampling technique and it was found that only 4 banks met the criteria, so the number of observations in this study was 20 observations. Based on data processing, the research results state that both mobile banking services, payment gateway services, and QRIS services have a significant positive effect on the growth of fee-based income of Bank Persero in Indonesia for the period 2018 to 2022
Developing a Customer Service Communication Model to Enhance Professional Image: A Case Study of Early-Stage Laundry Business Siahaan, Sondang Beatrix; Simbolon, Novi Handayani; Fatma Dwi Jati; Listya, Khanti
Jurnal Mantik Vol. 9 No. 4 (2026): February: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v9i4.6870

Abstract

While early-stage service business often struggle with brand perception, research on standardized communication frameworks for MSME remains limited. This study develops a customer service communication model designed to bridge the gap between operational service and professional image in early-stage laundry businesses. Utilizing the systematic ADDIE (Analysis, Design, Development, Implementation, and Evaluation) framework, this research employs a comprehensive R&D (research and development) approach to ensure the model is both theoretically sound and practically viable. Grounded in the Osgood-Schramm circular communication theory, this research adopts a a qualitative developmental approach. Through semi-structured interviews, field observation, and data triangulation, this study identifies critical touchpoints in the service communication cycle. The result is a synchronized communication flow and a standardized pocketbook guide tailored for three pivotal interactions: customer drop-off, pick-up, and complaint handling. Beyond its practical utility, this research contributes to service communication literature by operationalizing theoretical models into actionable frameworks for informal business sectors. The findings demonstrate that a structured developmental approach to interpersonal communication serves as a vital catalyst for enhancing service quality and fostering long-term business resilience
Co-Authors Anita Putri Dwi Jati, Fatma Gultom, Selfi Afriani Khanti Listya Muhammad Asrin Jazuli Nurhaflah Soraya Pasaribu, Ika Mary Rahmadani Rahmadani Siahaan, Sondang Beatrix Sondang Beatrix Siahaan Sondang Beatrix Siahaan Yuni Siska Saragih