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All Journal Aptisi Transactions on Management
Kuusk, Taavi
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management

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Addressing Regulatory Risks in Fintech through Decentralized Technologies Fahrudin, Rifqi; Dwi Yulian, Firdaus; Yadi Fauzi, Ahmad; Wilson, Ashley; Kuusk, Taavi
APTISI Transactions on Management (ATM) Vol 8 No 3 (2024): ATM (APTISI Transactions on Management: September)
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/atm.v8i3.2356

Abstract

The fintech industry, characterized by rapid innovation and disruption of traditional financial services, faces significant regulatory challenges that can hinder its growth and sustainability. Managing these regulatory risks is crucial to ensuring compliance and maintaining trust within the industry. Decentralized technologies, particularly blockchain, have emerged as potential solutions for enhancing regulatory compliance through increased transparency, security, and automation. This study aims to analyze the role of decentralized technologies in addressing regulatory risks in the fintech sector. Utilizing the SmartPLS method for data analysis, the research examines the relationships between decentralized technology adoption, compliance automation, and regulatory risk mitigation. The findings reveal that decentralized technologies significantly reduce regulatory risks by automating compliance processes and enhancing transparency. These insights offer valuable implications for fintech companies and regulators, suggesting that the integration of decentralized technologies can be a strategic approach to managing regulatory challenges in the industry.
Impact of Digital Innovations on Business Competitiveness and Sustainability – A Data-Driven Approach Priandito; Ramadan, Ahmad; Kuusk, Taavi
APTISI Transactions on Management (ATM) Vol 9 No 2 (2025): ATM (APTISI Transactions on Management: May)
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/atm.v9i2.2414

Abstract

This study examines the critical interplay between digital innovations, business competitiveness, and sustainability, providing empirical evidence on their inter- connections. Digital innovations, encompassing technologies such as artificial intelligence (AI), blockchain, and the Internet of Things (IoT), have emerged as transformative forces driving efficiency and enabling sustainable practices. The research employs a quantitative design, utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze data from diverse organi- zations. Results confirm that digital innovations significantly enhance busi- ness competitiveness, which in turn mediates their positive impact on sustain- ability outcomes. The findings underscore the necessity for strategic align- ment of technological adoption with business objectives to achieve competitive differentiation and meet sustainability goals. Key insights reveal that sector- specific strategies are essential for maximizing the benefits of digital transfor- mation. Manufacturing benefits from predictive maintenance, retail achieves supply chain transparency, finance leverages blockchain for ESG reporting, and technology focuses on scalable, sustainability-integrated solutions. The study also highlights the role of supportive regulatory frameworks and cross-sector collaboration in fostering innovation and sustainability. These insights con- tribute to academic discourse and provide actionable guidance for policymak- ers and industry leaders. Future research should explore longitudinal impacts and cross-industry dynamics to deepen the understanding of digital innovations’ role in sustainable economic growth.
Co-Authors Dwi Yulian, Firdaus Fahrudin, Rifqi Priandito Ramadan, Ahmad Wilson, Ashley Yadi Fauzi, Ahmad