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Banks’ Strategies to Face Fintechs’ Attacks Ihsan, Dedy; Murti, Wahyu; Sungkowati, Sri
Sharia Oikonomia Law Journal Vol. 2 No. 4 (2024)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v2i4.1644

Abstract

Globalization has changed the playing field within industries, which were traditionally limited by size, country of origin, industry type, and past success. Now, those boundaries have become blurred and no longer clearly defined. Internet connectivity and technology have changed the face of businesses. These changes will always continue on an ongoing basis. For example, fintech (startups) that used to serve only one business segment have started to enter the banking industry, through online lending or peer to peer lending (P2P lending), products of savings, payment systems, and pay later. The latter is like a credit card in banking. Startups have become a very strong-new competitor for banks. Instead, their loan impressively grows with low non-performing loans (NPLs). Therefore, banks must be aware of this competitive situation. Banks should no longer use the old ways to compete, but should find and do new ways. For this reason, this paper is prepared to provide answers on how banks should respond, so that the competitive pressure from fintech can be carefully anticipated.
Financial Derivatives in Banking and Finance: A Bibliometric Overview of Research Trends Rahmiyati, Nekky; Kaswoto, Junet; Sungkowati, Sri
The Es Accounting And Finance Vol. 3 No. 02 (2025): The Es Accounting And Finance (ESAF)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esaf.v3i02.502

Abstract

This study provides a bibliometric analysis of the research trends in financial derivatives within the banking and finance literature. By examining citation patterns, co-authorship networks, and keyword co-occurrences, the study identifies key research themes and their evolution over time. The analysis reveals the central role of derivatives in risk management and financial stability, particularly in the wake of financial crises. It highlights the growth of computational techniques in derivatives pricing and risk management, with an increasing focus on advanced models and simulations. The study also explores the emerging influence of blockchain technology and decentralized finance in reshaping the derivatives landscape. The bibliometric map underscores the global nature of financial derivatives research, with significant contributions from the United States, China, and the United Kingdom. The study provides valuable insights for scholars, practitioners, and policymakers, suggesting areas for further research, particularly in regulatory frameworks, pricing models, and the integration of new technologies in the derivatives market.
Corporate Social Responsibility and Brand Equity: Moderating Effect of Consumer Trust in Emerging Market Irawati, Intan; Mulyono, Sri; Sungkowati, Sri; Siagian, Ade Onny
International Journal of Business, Law, and Education Vol. 6 No. 2 (2025): International Journal of Business, Law, and Education (On Progress July-Desembe
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i2.1314

Abstract

Corporate Social Responsibility (CSR) has become a strategic priority for firms seeking to strengthen brand value, particularly in emerging markets where consumer expectations toward ethical and socially responsible business practices are rapidly evolving. This study investigates the influence of CSR on brand equity and examines the moderating role of consumer trust in enhancing this relationship. Utilizing a quantitative research approach, data were collected from 268 consumers in an emerging market context and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that CSR has a positive and significant effect on brand equity, demonstrating that responsible business initiatives contribute not only to social welfare but also to consumer perceptions of brand value. Moreover, consumer trust significantly moderates the relationship between CSR and brand equity, indicating that CSR initiatives are more effective when consumers perceive the brand as trustworthy. The study enriches stakeholder theory and consumer-based brand equity literature by emphasizing trust as a critical variable that reinforces CSR outcomes. Practical implications suggest that companies in emerging markets should design CSR programs aligned with consumer expectations while ensuring transparency and consistency to build stronger brand loyalty. Future research is encouraged to explore additional contextual factors and cross-industry comparisons for broader generalization.