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All Journal Dinamika JURNAL AKUNTANSI DAN BISNIS
Agustinus Wardi
Universitas Sains dan Teknologi Komputer
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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NAVIGATING ETHICAL DILEMMAS IN ALGORITHMIC DECISION-MAKING: A CASE-BASED STUDY OF FINTECH PLATFORMS Agustinus Wardi; Galuh Aditya
Jurnal Akuntansi dan Bisnis Vol. 5 No. 1 (2025): Mei 2025 : Jurnal Akuntansi dan Bisnis (AKUNTANSI)
Publisher : LPPM PoliteknikPratamaKendal- Universitas Sains Dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jiab.v5i1.1044

Abstract

Advancements in fintech algorithms have improved decision-making efficiency in credit scoring, investment advice, and financial product offerings. However, these automated systems raise ethical concerns related to algorithmic bias, lack of transparency, and accountability. Social inequalities embedded in historical data risk reinforcing discrimination in digital financial services, particularly in Southeast Asia’s evolving regulatory environment. This study explores ethical dilemmas in algorithmic decision-making across fintech platforms and assesses company responses. Using a qualitative multiple-case study of three Indonesian fintech firms in peer-to-peer lending, e-wallet, and robo-advisory sectors, data were gathered through semi-structured interviews and internal document analysis. Results indicate algorithmic bias as the most critical issue, followed by transparency and accountability gaps. Peer-to-peer lending firms demonstrate better ethical readiness via regular audits, while others show limited mitigation efforts. The study proposes a conceptual model emphasizing fairness, transparency, and accountability, offering practical insights for regulators and industry to strengthen ethical governance in Indonesia’s AI-based fintech ecosystem.
ANALISIS PERAN TEKNOLOGI INFORMASI DALAM MENINGKATKAN EFISIENSI PEMASARAN Dyah Ayu wulandari; Munifah Munifah; Haris Ihsanil Huda; Agustinus Wardi
Dinamika: Jurnal Manajemen Sosial Ekonomi Vol. 5 No. 2 (2025): DINAMIKA : Jurnal Manajemen Sosial Ekonomi
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi - Studi Ekonomi Modern

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/dinamika.v5i2.826

Abstract

The rapid development of information technology (IT) in the digital age has brought significant changes to various aspects of life, including the business world. IT not only makes it easier for people to carry out their daily activities, but also contributes greatly to data management and the delivery of relevant, fast, and accurate information. One of the tangible impacts of IT development can be seen in the field of marketing. The transition from traditional marketing to digital marketing enables companies to reach a broader market with moreefficient costs and more targeted strategies. Social media and digital platforms such as e-commerce have become effective tools for expanding product distribution, enhancing communication with consumers, and streamlining businessoperations. Digitalization also presents opportunities for innovation and economic growth through the use of electronic payment systems and internet-based business management. Therefore, the integration of information technology into marketing strategies is a crucial factor in creating competitiveadvantages and operational efficiency in the modern era. Keywords: Information Technology, Digital Marketing, E-commerce, Business Efficiency, Digitalization.
Co-Authors Dyah Ayu wulandari Galuh Aditya Haris Ihsanil Huda Munifah Munifah