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All Journal Jurnal Multidisiplin West Science INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) BORJUIS (JURNAL OF ECONOMY) INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE) Jurnal Ekonomi dan Bisnis (Jebi)
Ahmad Rizani
Jurusan Ekonomi Pembangunan Universitas Palangka Raya
Religion Humanities Economics, Econometrics & Finance Social Sciences

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THE ROLE OF ARTIFICIAL INTELLIGENCE IN BUSINESS PROCESS OPTIMISATION IN ECONOMY 5.0 Loso Judijanto; Ahmad Rizani
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 4 No. 2 (2025): MAY
Publisher : ADISAM Publisher

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Abstract

In the era of Economy 5.0, artificial intelligence (AI) plays a critical role in business process optimisation aimed at improving operational efficiency, analytical data utilisation, and competitive advantage. AI enables automation of routine tasks, reduces operational costs, and improves productivity by minimising human errors. In addition, AI strengthens a company's analytical capabilities through predictive data analysis, which helps in smarter decision-making and responsiveness to market dynamics. Overall, the adoption and investment in AI technology is an important strategic step for companies to face the challenges and opportunities of the Economy 5.0 era, as well as to improve customer service and adaptability to market changes.
THE SCOPE OF CONTEMPORARY MODERN ECONOMICS: A LITERATURE REVIEW ON THE INTERACTION BETWEEN PRODUCTION, CONSUMPTION, INSTITUTIONAL STRUCTURE, TECHNOLOGY, GLOBAL FINANCE, AND SOCIAL–ENVIRONMENTAL ISSUES Farida Akbarina; Ahmad Rizani
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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Abstract

This study discusses the scope of the contemporary modern economy through a literature review that examines the interaction between production, consumption, institutional structure, technology, global finance, and social-environmental issues. The results of the study show that the contemporary modern economy can only be understood holistically through a multidisciplinary approach that integrates economic, social, and environmental aspects. These findings provide a conceptual basis for the formulation of policies that are more inclusive, sustainable, and responsive to global dynamics.
TRANSFORMASI DIGITAL UANG DAN EFEKTIVITAS TRANSMISI KEBIJAKAN MONETER DALAM SISTEM PERBANKAN HYBRID: TINJAUAN SISTEMATIS LITERATUR Ahmad Rizani; Tehedi
Jurnal Ekonomi dan Bisnis Vol. 3 No. 10 (2026): Jurnal Ekonomi dan Bisnis (Jebi)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19550964

Abstract

The digital transformation of money has shifted the paradigm of global monetary architecture from a system based on conventional bank intermediation towards a hybrid financial ecosystem that integrates Central Bank Digital Currency (CBDC), real-time digital payments, and non-bank fintech platforms. This structural shift challenges the effectiveness of traditional monetary policy transmission mechanisms, which have long relied on interest rate, credit, and exchange rate channels via commercial banks. This article aims to critically examine the impact of the digital transformation of money on the effectiveness of monetary policy transmission within the context of a hybrid banking system through a systematic literature review. The research findings identify two main conclusions: (1) the digitalisation of money accelerates the speed of policy interest rate pass-through through increased digital competition, price transparency, and payment channel efficiency, whilst simultaneously introducing risks of liquidity volatility and commercial banking disintermediation that may weaken transmission stability; (2) the effectiveness of transmission within hybrid systems is highly heterogeneous across jurisdictions, depending on the maturity of digital infrastructure, the design of the CBDC architecture, levels of financial literacy, and the regulatory framework coordinating monetary authorities with technology regulators. Thus, there is no universal model for optimising monetary transmission in the digital age; each country requires a contextual approach that balances innovation with prudence, efficiency with inclusion, and policy precision with systemic stability. Recommended policy implications include designing CBDCs with tiered remuneration features, expanding access to emergency liquidity facilities for systemic non-bank institutions, strengthening inter-authority coordination, and significant investment in cyber resilience and digital financial literacy. This research contributes to the literature on digital monetary economics by providing the first comprehensive synthesis integrating perspectives on CBDCs, digital payment systems, and hybrid banking dynamics within a coherent analytical framework.
The Role of E-Wallet Adoption, Digital Security Perceptions, and Technology Reliability on Digital Payment System Usage Decisions in East Java Arief Rahman; Ahmad Rizani; Rezty Arizta Putri; Shofiatul Inayah; Deti Kurniati
Jurnal Multidisiplin West Science Vol 5 No 01 (2026): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v5i01.3153

Abstract

This study examines the influence of e-wallet implementation, digital security perceptions, and technology reliability on digital payment system usage decisions in East Java. Using a quantitative research approach, data were collected from 150 active digital payment users through a structured questionnaire measured on a five-point Likert scale. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) version 3 to evaluate both the measurement and structural models. The results indicate that e-wallet implementation has a positive and significant effect on digital payment usage decisions, highlighting the importance of usability, system integration, and functional design. Digital security perceptions emerge as the strongest determinant, emphasizing that users’ confidence in data protection and transaction safety plays a critical role in shaping adoption behavior. Technology reliability also shows a significant positive influence, demonstrating that system stability and transaction accuracy are essential for sustaining user trust and continued usage. Overall, the findings suggest that digital payment adoption in East Java is driven by a combination of effective system implementation, strong security perceptions, and reliable technological performance. This study contributes to the digital finance and fintech adoption literature by providing empirical evidence from a regional context and offers practical insights for e-wallet providers and policymakers to strengthen digital payment ecosystems.
THE IMPACT OF THE DIGITAL ECONOMY ON THE GROWTH OF SMES AND THE LABOUR MARKET STRUCTURE IN INDONESIA Tehedi; Ahmad Rizani
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 3 (2026): BORJUIS (JOURNAL OF ECONOMY)
Publisher : Adisam Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20288194

Abstract

The digital economy has become a key transformative force in the Indonesian economy, with growth reaching 8.6% and a contribution of 8.4% to GDP in 2024. This study aims to analyse the impact of the digital economy on the growth of SMEs and the labour market structure in Indonesia using a literature review method with a descriptive qualitative approach. The results indicate that the digital economy has a significant positive impact on SME growth, with 70% of SME operators experiencing an increase in revenue of up to 30% after joining the digital ecosystem, and SME growth reaching 83% by 2024. Digitalisation opens up broader market access, improves operational efficiency by reducing marketing costs by up to 42.68%, and provides access to alternative financing through P2P lending fintech platforms, which have channelled Rp37.9 trillion to SMEs. However, the digital transformation of SMEs still faces challenges, including low technology adoption (only 24–26%), low digital literacy (only 18% possess basic digital skills), and limited internet infrastructure (76.8% penetration). In terms of the labour market structure, the digital economy created 4.2 million direct jobs and 15.7 million indirect jobs in 2023, projected to rise to 6.5 million and 22 million by 2025, although 83 million jobs are predicted to be lost due to automation by 2025. The gig economy offers flexibility to 86.6 million workers (59.40% of the total workforce), yet it also creates economic uncertainty, with 28.4% of gig workers labouring 13–14 hours a day without adequate social protection. The digital skills gap remains a major obstacle, with only 1% of the workforce possessing advanced-level skills against a target of 50%. The study recommends strengthening vocational education curricula, implementing mass reskilling and upskilling programmes for 5 million digital talents by 2026–2030, developing equitable digital infrastructure, strengthening regulations to protect gig workers, and providing incentives for SMEs to undergo digital transformation.
Co-Authors Arief Rahman Deti Kurniati Farida Akbarina Jackson Yumame Loso Judijanto Mochammad Imron Awalludin Rezty Arizta Putri Shofiatul Inayah Tehedi