Article Per Year (5 Year)
p-Index From 2021 - 2026
0.92
P-Index
This Author published in this journals
All Journal Media Ekonomi dan Manajemen JURNAL EDUCATION AND DEVELOPMENT Cakrawala Management Business Journal Jurnal Portofolio: Jurnal Manajemen dan Bisnis
Tedi, Edi
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Cakrawala Management Business Journal

 1 
Transformasi Digital dalam Layanan Keuangan: Menilai Peran Kecerdasan Buatan dalam Meningkatkan Manajemen Risiko Kredit Tedi, Edi; Wiyono, Darul
Cakrawala Management Business Journal Vol 8 No 1 (2025): Cakrawala Management Business Journal
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Papua.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30862/cm-bj.v8i1.374

Abstract

This study analyzes the impact of digital transformation and artificial intelligence on credit risk management effectiveness, operational efficiency, and data quality in Indonesia's national private banks. Using a quantitative method, the data were analyzed with SmartPLS 3.0 through the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach. The sample consists of 100 employees from the credit risk and IT divisions of 20 national private banks that utilize artificial intelligence, selected using stratified random sampling. The findings reveal that digital transformation and artificial intelligence positively influence operational efficiency and data quality, significantly enhancing credit risk management effectiveness. Data quality mediates the relationship between artificial intelligence and credit risk management, while operational efficiency also serves as a strong mediator. This study highlights the importance of digital innovation as an effective strategy for national private banks to strengthen credit risk management through technology.
Co-Authors Ambiapuri, Ema Dwiyono, Gatot Parwitasari, Nur Aini Parwitasari, Nuraini Ruyani, Nur Ahmad Setiawan, Kartiwan Sonjaya, Yana Wiyono, Darul