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All Journal Jurnal Manajemen Dan Bisnis Ekonomi Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan
Balqis Naura Izzati
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Strategi Mengatasi Data Breaches di Era Industri 4.0: Kasus Data Breaches Bank Rakyat Indonesia Annisa Ayu Handayani; Balqis Naura Izzati; Diana Nur'azzah; Khoirunnisa Khoirunnisa; Ida Farida Adi Prawira
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 3 No. 2 (2025): April : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v3i2.3170

Abstract

To analyze the strategies implemented by Bank Rakyat Indonesia (BRI) in addressing data breaches in the Industry 4.0 era by identifying contributing factors such as user awareness, security system weaknesses, and the effectiveness of mitigation policies. This study uses a qualitative approach with descriptive methods through document analysis with purposive sampling techniques of official BRI reports and relevant scholarly literature. The research findings indicate that the main causes of data breaches are low digital security awareness, weaknesses in authentication systems, and the rise of phishing attacks. BRI has responded by implementing several key strategies, including digital literacy education, the use of layered security technologies such as multi-factor authentication and AI-based transaction monitoring, as well as early detection and incident response systems. These measures have successfully prevented hundreds of thousands of unauthorized access attempts throughout 2023. The implications of this study emphasize that increasing public awareness of digital security and continuously improving technological infrastructure are crucial steps in minimizing data breach risks and enhancing public trust in digital banking services.
Penggunaan Sistem Pembayaran QRIS dalam Praktik Pengelolaan Keuangan Mahasiswa Perantauan Alfian Lutfi; Annisa Ayu Handayani; Balqis Naura Izzati; Khoirunnisa Khoirunnisa; Lutvie Novita Zalwa; Welsi Damayanti
Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan Vol. 3 No. 3 (2025): JUNI : Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/maeswara.v3i3.1798

Abstract

This study aims to explore the role and impact of the development of digital payment systems, particularly the Quick Response Code Indonesian Standard (QRIS), on the financial management practices of out-of-town students in the 2024 cohort. Using a descriptive qualitative approach and data collected through open-ended questionnaires distributed to 50 students of the Accounting Study Program at UPI, the research examines sources and management of monthly funds, the influence of QRIS on consumptive behavior, the role of QRIS in daily transactions, the handling of unexpected expenses, and students' financial awareness. The results indicate that QRIS is widely used for daily spending transactions, especially for purchasing food and beverages, due to its practicality and convenience. However, the findings also suggest a tendency for increased consumptive behavior among students who use QRIS. Nonetheless, a small portion of students reported that QRIS facilitates easier control over spending through visibility of balances and transaction histories. This study highlights the importance of financial literacy alongside the adoption of digital payment technologies to optimize students' financial management.
Co-Authors Alfian Lutfi Annisa Ayu Handayani Diana Nur'azzah Ida Farida Adi Prawira Khoirunnisa Khoirunnisa Lutvie Novita Zalwa Welsi Damayanti