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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Equity: Jurnal Ekonomi
Iza Guspian
Universitas Bangka Belitung
Economics, Econometrics & Finance Social Sciences

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Currency Evolution: A Comparative Study Between Central Bank Digital Currencies And Physical Currencies In Modern Monetary Systems Indah Noviyanti; Ary Fakturrachman Aryansyah; Iza Guspian; Novita Herlissha
Equity: Jurnal Ekonomi Vol 12 No 1 (2024): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v12i1.318

Abstract

Technology and innovation are the keys used to unlock the impossible imagination to become possible to achieve the unforeseen goals of individuals and organizations. This study focuses on the role of an unprecedented phenomenon called central bank digital currency (CBDC) over physical currency. This study uses a descriptive research method with a quantitative approach. This study is a literature review study aimed at describing the phenomenon. This study assesses the role of CBDC based on three parameters such as features, perceived benefits and challenges of CBDC and Physical Currency. It also reveals that CBDC can replace the use of physical currency only depending on how people, businesses perceive the features, benefits (better allocation, accessibility, interest bearing, convertibility and reduced costs) and possible challenges (opposite of benefits) associated with CBDC compared to its counterpart.
THE EFFECT OF DIGITAL TECHNOLOGY UTILIZATION ON HOTEL SERVICE OPERATIONS AND CUSTOMER PERCEPTION Iza Guspian; Mursyid Hasan Basri; Arman; Daniel Cristophy Dugari
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 9 No 4 (2025): IJEBAR, VOL. 09 ISSUE 04, DECEMBER 2025
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v9i4.18637

Abstract

This study analyzes the effect of digital technology utilization on hotel service operations and customer perception in a regional hotel in Central Bangka Regency, Indonesia. The research examines how ease of use, technology-based service quality, and feature availability influence system efficiency, and how system efficiency subsequently affects customer perception. Security and privacy are also included to evaluate their direct and moderating roles. Using survey data from 134 hotel guests, the model was tested with Partial Least Squares Structural Equation Modeling. The findings show that all three technological factors significantly enhance system efficiency, which in turn strongly improves customer perception. Security and privacy also have a significant direct effect, although their moderating influence was not supported. Overall, the study highlights the importance of efficient and user-friendly digital systems in shaping customer evaluations and provides practical insights for strengthening digital service implementation in regional hotels.
Currency Evolution: A Comparative Study Between Central Bank Digital Currencies And Physical Currencies In Modern Monetary Systems Indah Noviyanti; Ary Fakturrachman Aryansyah; Iza Guspian; Novita Herlissha
Equity: Jurnal Ekonomi Vol 12 No 1 (2024): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v12i1.318

Abstract

Technology and innovation are the keys used to unlock the impossible imagination to become possible to achieve the unforeseen goals of individuals and organizations. This study focuses on the role of an unprecedented phenomenon called central bank digital currency (CBDC) over physical currency. This study uses a descriptive research method with a quantitative approach. This study is a literature review study aimed at describing the phenomenon. This study assesses the role of CBDC based on three parameters such as features, perceived benefits and challenges of CBDC and Physical Currency. It also reveals that CBDC can replace the use of physical currency only depending on how people, businesses perceive the features, benefits (better allocation, accessibility, interest bearing, convertibility and reduced costs) and possible challenges (opposite of benefits) associated with CBDC compared to its counterpart.
Co-Authors Arman Ary Fakturrachman Aryansyah Daniel Cristophy Dugari Herlissha, Novita Indah Noviyanti Mursyid Hasan Basri