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All Journal Journal of Sharia Economy and Islamic Tourism
Melisa Trinanda Faisal
Perbankan Syariah, Universitas Islam Negeri Raden Intan Lampung
Economics, Econometrics & Finance

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Transformasi Digital: Peran E-Commerce dalam Pertumbuhan Ekonomi Digital di Indonesia Melisa Trinanda Faisal
Journal of Sharia Economy and Islamic Tourism Vol 5, No 2 (2025): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v5i2.30706

Abstract

Abstract: This research examines the role of e-commerce in driving digital economic growth in Indonesia. Digital transformation has fundamentally changed Indonesia's economic landscape, with e-commerce being one of its main drivers. Using a qualitative approach based on a literature study, this research analyzes how the development of information and communication technology has facilitated the growth of e-commerce platforms and created a dynamic digital economy ecosystem. Data shows that Indonesia will have 212.9 million internet users (77% of the population) by early 2023, with e-commerce platforms such as Shopee, Tokopedia, and Lazada leading the market. E-commerce provides various benefits to businesses, including global market access, reduced operational costs, and encouragement of product innovation. Furthermore, e-commerce facilitates supply chain integration and cross-border business collaboration. Projections show that by 2025, Indonesia's digital economy will create 3.7 million new jobs and increase SME revenues by 80 percent. The research concludes that e-commerce plays a strategic role in Indonesia's digital transformation, with significant potential to drive inclusive economic growth in the digital age.Abstrak: Penelitian ini mengkaji peran e-commerce dalam mendorong pertumbuhan ekonomi digital di Indonesia. Transformasi digital telah mengubah secara fundamental lanskap perekonomian Indonesia, dengan e-commerce menjadi salah satu pendorong utamanya. Menggunakan pendekatan kualitatif berbasis studi literatur, penelitian ini menganalisis bagaimana perkembangan teknologi informasi dan komunikasi telah memfasilitasi pertumbuhan platform e-commerce dan menciptakan ekosistem ekonomi digital yang dinamis. Data menunjukkan bahwa Indonesia memiliki 212,9 juta pengguna internet (77% dari populasi) pada awal 2023, dengan platform e-commerce seperti Shopee, Tokopedia, dan Lazada memimpin pasar. E-commerce memberikan berbagai keuntungan bagi pelaku usaha, termasuk akses pasar global, pengurangan biaya operasional, dan dorongan inovasi produk. Lebih jauh lagi, e-commerce memfasilitasi integrasi rantai pasok dan kolaborasi bisnis lintas batas. Proyeksi menunjukkan bahwa pada tahun 2025, ekonomi digital Indonesia akan menciptakan 3,7 juta lapangan kerja baru dan meningkatkan pendapatan UMKM hingga 80 persen. Penelitian ini menyimpulkan bahwa e-commerce memainkan peran strategis dalam transformasi digital Indonesia, dengan potensi signifikan untuk mendorong pertumbuhan ekonomi inklusif di era digital.
Digitalisasi Perbankan: Keberhasilan Implementasi Mobile Banking terhadap Kepuasan Nasabah Melisa Trinanda Faisal
Journal of Sharia Economy and Islamic Tourism Vol 5, No 2 (2025): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v5i2.30782

Abstract

Abstract: This study examines the successful implementation of mobile banking in the era of banking digitalization and its effect on customer satisfaction. Using a qualitative approach with a literature review method, this study analyzes the transformation of the banking industry from a manual system to a digital platform. The results show that ease of use and usefulness are the main determinants of the successful implementation of mobile banking, which has a significant effect on customer satisfaction. Ease of use is measured through time efficiency, ability to make transactions, operational ease, and flexibility of use. While usefulness includes increased productivity, effectiveness, and performance in daily activities. Mobile banking is proven to provide time and cost efficiency because it is available 24 hours and can be accessed from anywhere as long as there is an internet network. The study concluded that customers who perceive the convenience and benefits of mobile banking services tend to have higher levels of satisfaction and will continue to use digital banking services from their bank of choice. The findings provide important implications for banking institutions in developing digitalization strategies that focus on increasing customer satisfaction.Abstrak: Penelitian ini mengkaji keberhasilan implementasi mobile banking dalam era digitalisasi perbankan dan pengaruhnya terhadap kepuasan nasabah. Menggunakan pendekatan kualitatif dengan metode kajian pustaka, studi ini menganalisis transformasi industri perbankan dari sistem manual ke platform digital. Hasil penelitian menunjukkan bahwa faktor kemudahan penggunaan (ease of use) dan kemanfaatan (usefulness) menjadi penentu utama keberhasilan implementasi mobile banking yang berpengaruh signifikan terhadap kepuasan nasabah. Kemudahan penggunaan diukur melalui efisiensi waktu, kemampuan melakukan transaksi, kemudahan operasional, dan fleksibilitas penggunaan. Sementara kemanfaatan mencakup peningkatan produktivitas, efektivitas, dan kinerja dalam aktivitas sehari-hari. Mobile banking terbukti memberikan efisiensi waktu dan biaya karena tersedia 24 jam dan dapat diakses dari mana saja selama terdapat jaringan internet. Penelitian menyimpulkan bahwa nasabah yang merasakan kemudahan dan manfaat dari layanan mobile banking cenderung memiliki tingkat kepuasan yang lebih tinggi dan akan terus menggunakan layanan perbankan digital dari bank pilihan mereka. Temuan ini memberikan implikasi penting bagi institusi perbankan dalam mengembangkan strategi digitalisasi berfokus pada peningkatan kepuasan nasabah.
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