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All Journal Jurnal Bisnis dan Komunikasi Digital Journal of Technology and System Information
Putri, Nugrahani Kartika
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Humanities Computer Science & IT Environmental Science Languange, Linguistic, Communication & Media Social Sciences

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Will Big Data and AI Redefine Indonesia’s Financial Future? Maspul, Kurniawan Arif; Putri, Nugrahani Kartika
Jurnal Bisnis dan Komunikasi Digital Vol. 2 No. 2 (2025): February
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jbkd.v2i2.3739

Abstract

The rapid integration of big data and artificial intelligence (AI) is fundamentally reshaping Indonesia’s financial sector, driving unprecedented efficiency, innovation, and financial inclusion. As Southeast Asia’s largest digital economy, Indonesia has embraced fintech solutions that leverage predictive analytics, machine learning, and automation to enhance risk management, streamline transactions, and expand financial services to previously underserved populations. This transformation aligns with global financial trends, yet it presents distinct regulatory, infrastructural, and ethical challenges. Drawing from Schumpeter’s Innovation Theory, Information Asymmetry Theory, and Transaction Cost Economics, this study explores how big data and AI redefine financial operations, improve decision-making, and reduce market inefficiencies in the Indonesian banking ecosystem. Utilizing a qualitative phenomenological approach, this research synthesizes insights from industry experts, regulatory bodies, and financial analysts to assess the implications of data-driven strategies. Findings reveal that while big data optimizes risk assessment, fraud detection, and customer segmentation, regulatory hurdles, cybersecurity risks, and digital literacy gaps remain key barriers to sustainable adoption. As Indonesia continues its trajectory toward a data-centric financial infrastructure, balancing technological advancement with regulatory prudence will be critical in shaping an inclusive and resilient financial future. This study contributes to ongoing discourse on the intersection of financial digitalization, economic policy, and ethical AI deployment in emerging markets.
Temu’s Paradox: Disrupting Markets in Import-Driven and Producing Economies Maspul, Kurniawan Arif; Putri, Nugrahani Kartika
Jurnal Bisnis dan Komunikasi Digital Vol. 2 No. 2 (2025): February
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jbkd.v2i2.3766

Abstract

The rapid expansion of Temu, a global e-commerce powerhouse, is reshaping economic landscapes with profound and often polarizing effects. This study delves into its dual impact on two contrasting economic environments: non-productive economies that thrive on imports with minimal trade barriers (e.g., the Middle East) and producing economies with strong local industries fighting to stay afloat (e.g., Southeast Asia). While Temu’s meteoric rise in import-dependent markets is fueled by tax exemptions and insatiable consumer demand for ultra-affordable goods, its aggressive penetration into producing economies threatens to undermine local industries, displace workers, and disrupt regulatory frameworks. Through a rigorous comparative economic analysis, policy evaluation, and consumer behavior study, this research uncovers the deeper implications of Temu’s business model on market stability, economic sovereignty, and long-term sustainability. The findings shed light on the shifting dynamics of global e-commerce, the effectiveness of protectionist policies, and the socio-economic trade-offs of unrestricted cross-border trade. As nations grapple with the balance between affordability and self-reliance, this study serves as a critical exploration of the policies and strategies that will shape the future of digital commerce in emerging markets.
Big Data and Predictive Analytics for Indonesia's Economic Transformation and Digital Resilience Maspul, Kurniawan Arif; Putri, Nugrahani Kartika
Journal of Technology and System Information Vol. 2 No. 2 (2025): April
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jtsi.v2i2.3774

Abstract

In an era defined by data, Big Data and Predictive Analytics have become indispensable tools for driving economic growth, innovation, and resilience. For Indonesia, one of Southeast Asia’s most dynamic digital economies, these technologies offer a transformative pathway to industrial modernization and global competitiveness. With over 212 million internet users and a digital economy projected to hit $146 billion by 2025, Indonesia is poised to harness the power of data to revolutionize sectors such as finance, healthcare, e-commerce, and manufacturing (Antara News, 2022). This study delves into the multifaceted landscape of Big Data in Indonesia, offering a comprehensive analysis of its economic potential and implementation challenges. It highlights how predictive analytics is reshaping industries, enabling businesses to optimize supply chains, enhance customer experiences, and mitigate risks with unprecedented precision. At the same time, it addresses pressing concerns such as data privacy, cybersecurity vulnerabilities, and the ethical implications of AI-driven decision-making. To unlock the full potential of Big Data, this study proposes actionable policy recommendations, including investments in data infrastructure, the development of ethical AI frameworks, and the expansion of STEM education and workforce training programs. Indonesia can create a long-term data ecosystem that balances innovation and responsibility by encouraging collaboration among government, industry, and academics. As Indonesia stands at the crossroads of the Fourth Industrial Revolution, the strategic integration of Big Data and Predictive Analytics is no longer optional—it is imperative. This study serves as a roadmap for Indonesia to harness the power of data, ensuring that these technologies drive not only economic growth but also inclusive development and digital resilience in an increasingly data-driven world.
Co-Authors Kurniawan Arif Maspul