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All Journal Indo-Fintech Intellectuals: Journal of Economics and Business Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan
Fitri, Anggun Okta
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Humanities Economics, Econometrics & Finance Social Sciences

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Persepsi Masyarakat Terhadap Etika Bisnis Dalam Praktik Pemasaran Produk Perbankan Anggraini, Merlyn; Fitri, Anggun Okta
Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Vol. 2 No. 2 (2025): Inflasi - November
Publisher : PT. Faaslib Serambi Media

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Abstract

Penelitian ini dilatarbelakangi oleh masih rendahnya kepercayaan masyarakat terhadap praktik pemasaran produk perbankan, khususnya perbankan syariah, yang dipengaruhi oleh persepsi masyarakat terhadap penerapan etika bisnis. Tujuan dari penelitian ini adalah untuk menganalisis bagaimana persepsi masyarakat terhadap etika bisnis dalam pemasaran perbankan serta bagaimana penerapan etika tersebut berpengaruh terhadap kepercayaan dan loyalitas nasabah. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan studi kepustakaan, yang mengkaji literatur-literatur relevan dari berbagai sumber ilmiah. Hasil penelitian menunjukkan bahwa penerapan etika bisnis dalam pemasaran perbankan yang mencakup transparansi, kejujuran, tanggung jawab sosial, serta kepatuhan terhadap prinsip syariah mampu meningkatkan kepercayaan dan loyalitas nasabah. Selain itu, pemahaman masyarakat, kualitas pelayanan, dan nilai religiusitas menjadi faktor penting yang turut memengaruhi persepsi terhadap etika pemasaran produk perbankan.
Analisis Dampak Implementasi Teknologi Fintech Dalam Layanan Perbankan Terhadap Pengalaman Nasabah Fitriana, Dewi; Fitri, Anggun Okta
Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Vol. 2 No. 1 (2025): Inflasi - Mei
Publisher : PT. Faaslib Serambi Media

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Abstract

The development of financial technology (fintech) has significantly transformed the landscape of banking services in Indonesia, reshaping how customers interact with banks. This study aims to analyze the impact of fintech implementation on customer experience, focusing on aspects such as convenience, security, ease of use, and the evolving relationship between customers and banks. A qualitative case study approach was employed, involving in-depth interviews with customers from diverse backgrounds. The findings indicate that most customers experience increased convenience and accessibility through fintech services. However, digital literacy emerges as a crucial factor influencing user experience. Data security and trust are also major concerns, with customers expecting greater transparency and education from banks regarding personal data protection. While fintech enhances efficiency, there remains a need for personal interaction, particularly among elderly customers. This study recommends that banks not only pursue digital innovation but also prioritize digital inclusion and responsive customer service across all user segments. These findings are expected to serve as a reference for the development of more inclusive and customer-centered fintech services.
Co-Authors Anggraini, Merlyn Any Eliza Bahrudin, M. Bahrudin Dewi Fitriana Diana Puspita Sari Duwina, Elfa Firdaus, Rafli Faisal Fitri, Meri Febri Sha Hanifah, Andi Muhammad Iqbal Fasa Natazza, Jezica Ranjani, Elvri Syahrani, Sefiza Tursinah, Mar’atun