Garuda - Garba Rujukan Digital

A QUANTITATIVE PERFORMANCE MANAGEMENT FRAMEWORK TO IMPROVE COMMUNITY ECONOMY THROUGH OMNICHANNEL SUPPLY CHAIN: A CASE STUDY IN THE BANKING AND MARKETING INDUSTRY Zaenal Aripin; Farida Yulianty; Fitriana
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 1 (2023): Kriez Academy - December
Publisher : Yayasan Kreatif Indonesia Emas

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In the era of digital transformation, the Quantitative Performance Management Framework (QPMF) has emerged as a potential solution to increase operational efficiency and the industrial sector's contribution to society's economic growth. This study explores the application of KM2K in the context of omnichannel supply chains, with a focus on the banking and marketing industries. This research aims to investigate the impact of implementing QPMF in improving the community's economy through an omnichannel supply chain, with special emphasis on its role in the banking and marketing industries. This research uses a Systematic Literature Review (SLR) approach to compile and analyze related literature. In addition, case studies are used to understand the application of QPMF in the real context of the banking and marketing industry. Data was collected through interviews, observation and documentation analysis to gain in-depth insight. The research results show that the application of QPMF in the banking industry makes a significant contribution to operational efficiency, strategic decision making, and responsibility to customer needs through an omnichannel supply chain. In the marketing sector, QPMF enables optimization of marketing strategies, personalization of campaigns and increased responsiveness to market trends.

IMPROVING THE EXPORT PERFORMANCE OF INDONESIAN SMES THROUGH ENHANCED INTERNATIONAL MARKETING CAPABILITIES AMIDST THE CRISIS: UTILIZING FLEXIBLE STRATEGIES AND DIGITAL TECHNOLOGY Zaenal Aripin; Fitriana; Farida Yulianty
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 2 (2024): Kisa Institute - January 2024
Publisher : PT. Kreatif Indonesia Satu

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This journal focuses on efforts to improve the export performance of Small and Medium Enterprises (SMEs) in Indonesia in the face of the global crisis situation. The research aims to investigate how improving international marketing capabilities, using flexible strategies, and utilizing digital technology can help SMEs overcome export challenges. The research methods used involved surveys, interviews, and data analysis. The results revealed that SMEs that successfully adopt these strategies tend to achieve better export growth than those that do not. They have the ability to adjust to changing global market demands and access a wider market through the utilization of digital technology. Therefore, it is important for SMEs to understand and implement these practices in their export activities. In addition, the journal also presents a discussion on the implications of the research results. Improved export performance of SMEs can have a positive impact on the national economy, create new jobs, and increase the competitiveness of domestic industries. Practical suggestions are also presented, such as international marketing training, access to digital technology, and cooperation with relevant government agencies and industries. This research provides valuable insights for Indonesian SMEs and relevant stakeholders to develop more effective strategies to improve export performance amidst the unpredictable global crisis.

E-COMMERCE CONSUMER BEHAVIOR TRANSFORMATION IN POST-PANDEMIC INDONESIA Zaenal Aripin; Fitriana; Farida Yulianty
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 11 (2024): KISA INSTITUE : October 2024
Publisher : PT. Kreatif Indonesia Satu

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Background: The COVID-19 pandemic accelerated Indonesian e-commerce adoption by 3-5 years, fundamentally altering consumer shopping behaviors, channel preferences, and purchase decision processes. Questions remain regarding behavioral persistence post-pandemic and underlying factors sustaining digital commerce engagement. Aims: This research investigates post-pandemic e-commerce consumer behavior transformation examining persistent behavioral changes, psychological and functional drivers sustaining adoption, and consumer segmentation patterns based on digital literacy and shopping orientations. Research Method: A mixed-methods design combined survey analysis of 342 consumers with 18 in-depth interviews. Statistical analysis utilized paired t-tests for behavioral changes and cluster analysis for segmentation. Results and Conclusion: Findings reveal 67% increase in purchase frequency, 58% category expansion, and 72% preference for online channels versus pre-pandemic baselines. Trust (β=0.44), convenience (β=0.39), and value perception (β=0.36) emerge as primary drivers. Four distinct segments identified: Digital Natives (28%), Pragmatic Adopters (35%), Hesitant Users (24%), Traditional Preferrers (13%). Contribution: This study extends consumer behavior literature by empirically documenting pandemic-accelerated digital transformation persistence and identifying psychological mechanisms sustaining adoption. The segmentation framework provides practical guidance for targeted marketing strategies.

INVESTIGATING THE INFLUENCE OF DIGITAL PAYMENTS ON THE EVOLUTION OF BANKING SYSTEMS AND CONSUMER HABITS Zaenal Aripin; Vilma Dewi Anggraeni; Farida Yulianty
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 12 (2024): KISA INSTITUE : November 2024
Publisher : PT. Kreatif Indonesia Satu

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Background:Digital payment systems revolutionized financial transactions through mobile wallets, contactless payments, and cryptocurrency, challenging traditional banking models. Aims:This study investigates digital payment adoption's influence on banking system evolution and consumer financial habits. Research Method:Employing longitudinal mixed-methods, we analyzed data from 15 banks across six countries (2019-2024), incorporating transaction pattern analysis and insights from 2,500 consumer surveys. Results and Conclusion:76% of consumers regularly use digital payments; cash transactions declined 45%. Transaction frequencies increased 62% with enhanced budgeting awareness. Banks reduced branches 18% while enhancing cybersecurity investments. Contribution:The study contributes to understanding co-evolution of payment technologies and banking systems, providing strategic insights for managing digital transformation in financial services. This study investigates the influence of digital payments on the evolution of banking systems and consumer financial habits, examining adoption patterns, behavioral shifts, and systemic implications. Research Method: Employing a longitudinal mixed-methods approach, this research analyzes transaction data from 15 banks across six countries over a five-year period (2019-2024), complemented by surveys of 2,500 consumers and interviews with banking executives and fintech leaders. Results and Conclusion: Findings reveal that digital payment adoption has grown exponentially, with 76% of consumers now using at least one digital payment method regularly. This shift has driven significant changes in consumer behavior: reduced cash usage (declining 45% on average), increased transaction frequency (up 62%), and greater financial tracking and budgeting awareness. Banks have responded by restructuring operations, reducing physical branches by 18%, and investing heavily in digital infrastructure. Contribution: This research contributes to understanding the co-evolution of payment technologies and banking systems, providing insights into consumer adaptation patterns and strategic imperatives for financial institutions navigating digital transformation.

TRANSFORMATION IN THE INTERNET OF THINGS (IOT) MARKET IN THE BANKING SECTOR: A CASE STUDY OF TECHNOLOGY IMPLEMENTATION FOR SERVICE IMPROVEMENT AND TRANSACTION SECURITY Zaenal Aripin; Didin Saepudin; Farida Yulianty
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 3 (2024): Jesocin - February
Publisher : Organisasi Kreatif Indonesia Emas

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The transformation in the Internet of Things (IoT) market has become the primary focus of research and innovation in the banking sector, especially since the onset of the COVID-19 pandemic in 2019. Changes in consumer behavior towards online shopping and integrated payment activities have compelled the banking sector to strengthen its technological infrastructure to meet the demands of an increasingly complex market. Amidst this dynamism, the implementation of technologies such as blockchain and IoT has become crucial in enhancing services and transaction security in the banking sector. The aim of this research is to explore the impacts and challenges faced by the banking sector in adopting IoT technology to improve services and transaction security. This study utilizes a descriptive qualitative approach, involving literature analysis and case studies of IoT technology implementation in several leading banks. The research method involves collecting data from various sources, including scientific journals, articles, and relevant books. Data is also collected through interviews with experts and practitioners in the banking sector who have experience in implementing IoT technology. The results of the research indicate that the implementation of IoT technology in the banking sector has successfully improved the efficiency of transaction services. The use of IoT sensors and connected devices has enabled banks to automate transaction processes and accelerate responses to customer demands. Furthermore, blockchain technology has also brought significant improvements in transaction security by providing decentralized data structures that cannot be manipulated. Despite its success, the study also identifies several challenges in adopting IoT technology in the banking sector, including high implementation costs, complexity in integrating with existing infrastructure, and the need for a deep understanding of this technology. However, with strategic and planned steps, the banking sector can overcome these challenges and harness the full potential of IoT technology to create a better transaction experience for customers and the overall community.

DYNAMICS OF ADVERTISING AND INCENTIVES IN INCREASING SALES OF SUPERIOR PRODUCTS: ANALYSIS OF ITS INFLUENCE ON CONSUMER PREFERENCES AND RETAILER STRATEGIES Farida Yulianty; Didin Saepudin; Zaenal Aripin
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 4 (2024): Jesocin - March
Publisher : Organisasi Kreatif Indonesia Emas

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Advertising and incentive dynamics play a crucial role in marketing strategies to increase sales of superior products. Effective advertising can strengthen consumer awareness of brands and products, while incentives can provide additional encouragement for consumers to choose certain products. However, it is important to understand how the interaction between advertising dynamics and incentives influences consumer preferences and retailer strategies. This research aims to analyze the influence of advertising dynamics and incentives on consumer preferences and retailer strategies in increasing sales of superior products. The research method used is qualitative using literature analysis and case studies. Data sources used include scientific journals, articles and books that are relevant to the research topic. The research results show that advertising dynamics and incentives have a significant influence on consumer preferences and retailer strategies. Effective advertising can create greater awareness of superior products and influence consumer behavior, while incentives can be a determining factor in consumer purchasing decisions. Good integration of advertising, incentives, and dilution strategies can create a holistic, integrated marketing experience for consumers, which can increase product awareness, preference, and purchases.

TRANSFORMATION IN THE INTERNET OF THINGS (IOT) MARKET IN THE BANKING SECTOR: A CASE STUDY OF TECHNOLOGY IMPLEMENTATION FOR SERVICE IMPROVEMENT AND TRANSACTION SECURITY Zaenal Aripin; Didin Saepudin; Farida Yulianty
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 3 (2024): Jesocin - February
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

The transformation in the Internet of Things (IoT) market has become the primary focus of research and innovation in the banking sector, especially since the onset of the COVID-19 pandemic in 2019. Changes in consumer behavior towards online shopping and integrated payment activities have compelled the banking sector to strengthen its technological infrastructure to meet the demands of an increasingly complex market. Amidst this dynamism, the implementation of technologies such as blockchain and IoT has become crucial in enhancing services and transaction security in the banking sector. The aim of this research is to explore the impacts and challenges faced by the banking sector in adopting IoT technology to improve services and transaction security. This study utilizes a descriptive qualitative approach, involving literature analysis and case studies of IoT technology implementation in several leading banks. The research method involves collecting data from various sources, including scientific journals, articles, and relevant books. Data is also collected through interviews with experts and practitioners in the banking sector who have experience in implementing IoT technology. The results of the research indicate that the implementation of IoT technology in the banking sector has successfully improved the efficiency of transaction services. The use of IoT sensors and connected devices has enabled banks to automate transaction processes and accelerate responses to customer demands. Furthermore, blockchain technology has also brought significant improvements in transaction security by providing decentralized data structures that cannot be manipulated. Despite its success, the study also identifies several challenges in adopting IoT technology in the banking sector, including high implementation costs, complexity in integrating with existing infrastructure, and the need for a deep understanding of this technology. However, with strategic and planned steps, the banking sector can overcome these challenges and harness the full potential of IoT technology to create a better transaction experience for customers and the overall community.

DYNAMICS OF ADVERTISING AND INCENTIVES IN INCREASING SALES OF SUPERIOR PRODUCTS: ANALYSIS OF ITS INFLUENCE ON CONSUMER PREFERENCES AND RETAILER STRATEGIES Farida Yulianty; Didin Saepudin; Zaenal Aripin
Journal of Jabar Economic Society Networking Forum Vol. 1 No. 4 (2024): Jesocin - March
Publisher : Organisasi Kreatif Indonesia Emas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Advertising and incentive dynamics play a crucial role in marketing strategies to increase sales of superior products. Effective advertising can strengthen consumer awareness of brands and products, while incentives can provide additional encouragement for consumers to choose certain products. However, it is important to understand how the interaction between advertising dynamics and incentives influences consumer preferences and retailer strategies. This research aims to analyze the influence of advertising dynamics and incentives on consumer preferences and retailer strategies in increasing sales of superior products. The research method used is qualitative using literature analysis and case studies. Data sources used include scientific journals, articles and books that are relevant to the research topic. The research results show that advertising dynamics and incentives have a significant influence on consumer preferences and retailer strategies. Effective advertising can create greater awareness of superior products and influence consumer behavior, while incentives can be a determining factor in consumer purchasing decisions. Good integration of advertising, incentives, and dilution strategies can create a holistic, integrated marketing experience for consumers, which can increase product awareness, preference, and purchases.

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