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This Author published in this journals
All Journal Aptisi Transactions on Technopreneurship (ATT) International Journal of Science and Society (IJSOC) Applied Business and Administration Journal (ABAJ)
Rachbini, Didik J.
Unknown Affiliation
Humanities Computer Science & IT Economics, Econometrics & Finance Education Materials Science & Nanotechnology Social Sciences

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Beyond Branches: How Fintech and Sustainable Innovation are Reshaping The Banking Landscape in Indonesia Sendjaja, Theodorus; Rachbini, Didik J.; Astini, Rina; Asih, Daru
Applied Business and Administration Journal Vol. 3 No. 03 (2024): ABAJ Vo.3 No.3
Publisher : Ebiz Prima Nusa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62201/abaj.v3i03.184

Abstract

This research underscores the critical role of innovation and sustainability in the financial services industry as businesses strive to remain competitive. It sheds light on the widespread closure of bank branches on a global scale, emphasizing the delicate balance required between embracing digital advancements and maintaining a physical presence to ensure competitiveness and meet evolving consumer needs. The Systematic Literature Review focuses on two primary areas—sustainable digital technology innovation in Fintech and banks' digital transformation—and compiles theoretical references pertinent to sustainable innovation in financial institutions. The evolution of technology influences digital business models, and the aim is to implement digital service-oriented policies to ensure long-term business sustainability. Fintech has the potential to change the business and economic landscape fundamentally. The advantages of fintech are as follows: innovative, faster, flexible, interactive, diverse applications, disruptive thinking, and design thinking. The suggested digital transformation approach for the Bank's ongoing innovation: making digital a key value in business, customer-centricity, openness principles, and regulatory compliance.Keywords: Bank, Digital Transformation, Fintech, Innovation, Sustainability
Driving Socialpreneurship and Diving into Digital Transformation to Enhance Donation Intentions in Indonesia Sendjaja, Theodorus; Rachbini, Didik J.; Astini, Rina; Asih, Daru
Aptisi Transactions On Technopreneurship (ATT) Vol 7 No 3 (2025): November
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/att.v7i3.678

Abstract

This study investigates how digital transformation within the Catholic Church in Indonesia can enhance digital donation intentions by analyzing the influence of trust, Perceived Ease of Use, Perceived Usefulness, perceived risk, and perceived security on attitudes and engagement toward technology acceptance. Employing a quantitative design with an explanatory and cross-sectional approach, data were gathered from 100 respondents across 10 archdioceses in Indonesia using stratified random sampling. The analysis was carried out using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the relationships between the variables. The findings reveal significant effects of Perceived Usefulness, Perceived Ease of Use, perceived risk, attitude, and engagement on digital donation intention. These results offer practical insights into improving donation practices and accelerating digital transformation within the Catholic Church in Indonesia. This study further proposes a novel conceptual framework that integrates trust, Perceived Ease of Use, Perceived Usefulness, perceived risk, and perceived security to explain attitudes and engagement in digital donations. This model expands the Technology Acceptance Model (TAM) by incorporating additional factors relevant to donation behavior. Moreover, the study addresses a gap in the literature by highlighting the decline in QRIS adoption following the COVID-19 pandemic-an issue rarely discussed in prior donation studies. Digital donations in this context are also positioned as part of a broader social entrepreneurship movement that leverages technology to foster community involvement and ensure the financial sustainability of religious institutions.
The Effectiveness of QRIS Transaction Implementation During the COVID-19 Pandemic Sendjaja, Theodorus; Rachbini, Didik J.; Astini, Rina; Asih, Daru
International Journal of Science and Society Vol 5 No 5 (2023): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v5i5.952

Abstract

The Covid-19 pandemic has hit the entire world, including Indonesia, causing severe impacts on the social and economic sectors. Electronic or non-cash money payment systems have progressed along with the development of information technology, in line with the increase in users and service providers of electronic money payment systems. This study aims to analyze the effectiveness of QRIS transaction implementation during the Covid-19 pandemic. Qualitative research is used to bring researchers closer to the phenomenon studied, especially in the context of using QRIS by micro, small and medium enterprises (MSMEs) engaged in food sales. Based on the results of the analysis that has been conducted, the impact of implementing QRIS during the Covid-19 pandemic is as follows: 1) At first, many merchants and the general public did not fully understand the features and benefits of the QRIS program. Hence, the installation of QRIS-based payment gateways for merchant transactions still experienced obstacles. The use of QRIS has not become common because many individuals still do not have an application to carry out these transactions, and sometimes problems related to QR code inaccuracies also become obstacles. 2) Some MSME merchants agree to use QRIS as a payment method because it is more economical and helps reduce the risk of spreading Covid-19. 3) One of the main advantages of using QRIS is the very low transaction fee, only one rupiah. The use of QRIS also provides convenience because it does not require large amounts of cash, and transactions can be completed quickly and safely without the need to carry cash. In addition, no physical interaction is required, which helps reduce the risk of spreading Covid-19. However, there are several disadvantages to using QRIS, including a limit on the number of transactions of up to 2 million rupiah and problems with an unstable internet connection that can limit the use of this system. This shortage may be unavoidable because using QRIS requires internet access and quota for transactions, and there can also be inventory problems in stores.
Co-Authors Daru Asih Rina Astini Sendjaja, Theodorus