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Erlangga, Faezal
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Evaluation of Cybersecurity Implementation in the Master Plan for Information Technology (RITI) of Indonesian Banking in the Digital Era Erlangga, Faezal; Abdurrahman, Lukman
Jurnal Economic Resource Vol. 8 No. 1 (2025): March-August
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i1.1420

Abstract

The purpose of this study is to evaluate the implementation of cybersecurity policies outlined in the Master Plan for Information Technology (RITI) within Indonesia’s digital banking sector, with a specific focus on assessing their effectiveness in mitigating increasingly sophisticated cyber threats. Employing a descriptive qualitative research design, this study uses a literature review approach based on credible sources, including peer-reviewed scientific articles, regulatory policy documents, and case studies involving cyberattacks on Indonesian banks. The findings indicate that while the regulatory frameworks established by Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) serve as a solid foundation for cybersecurity governance, their implementation remains inconsistent across institutions, particularly due to resource disparities between large and small banks. Smaller banks often face significant obstacles such as limited IT infrastructure, insufficient human resources, and lack of technical oversight, which hinder the full adoption of cybersecurity standards. The discussion highlights the need for more proactive supervision, tailored technical support, and the adoption of AI-driven solutions for real-time threat detection and rapid incident response. The study concludes that fostering stronger collaboration between regulatory bodies, financial institutions, and private technology providers is crucial for creating an integrated and resilient cybersecurity ecosystem. These efforts are essential not only for strengthening system resilience but also for increasing customer trust in digital banking services.
Analisis Data dan Implementasi Customer Relationship Management (CRM) dalam Meningkatkan Efektivitas Periklanan dan Kampanye Erlangga, Faezal; Lubis, Muharman
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 3 (2025): May - July
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i3.1507

Abstract

Penelitian ini bertujuan untuk menganalisis bagaimana implementasi Customer Relationship Management (CRM) berbasis data dapat meningkatkan efektivitas kampanye periklanan dan retensi pelanggan dengan fokus pada studi kasus Reliance Trends dan UMKM. Metode penelitian menggunakan pendekatan kualitatif deskriptif dengan metode studi kasus dengan mengumpulkan data dari sumber sekunder seperti laporan, artikel ilmiah, dan studi kasus CRM yang diterapkan di perusahaan ritel besar dan pelaku usaha kecil. Analisis data dilakukan dengan teknik analisis tematik untuk mengidentifikasi pola-pola utama dalam penerapan CRM di kedua jenis perusahaan. Hasil penelitian menunjukkan bahwa penerapan CRM berbasis data di Reliance Trends meningkatkan segmentasi mikro, personalisasi pesan, serta otomatisasi kampanye yang berdampak pada pengurangan biaya iklan dan peningkatan loyalitas pelanggan. Di sisi lain, UMKM menggunakan sistem CRM lebih sederhana, mereka tetap dapat memanfaatkan teknologi untuk meningkatkan keterlibatan pelanggan dan retensi melalui komunikasi personal. Hal ini memperkuat bahwa meskipun dengan sumber daya terbatas, CRM tetap dapat meningkatkan efisiensi kampanye dan hubungan jangka panjang dengan pelanggan. Kesimpulan penelitian ini menunjukkan bahwa CRM berbasis data dapat dioptimalkan untuk memperkuat strategi pemasaran baik di perusahaan besar maupun kecil. Penelitian lebih lanjut disarankan untuk mengeksplorasi tantangan implementasi CRM pada sektor UMKM serta pemanfaatan teknologi canggih seperti AI dalam personalisasi dan otomatisasi.
Co-Authors Lukman Abdurrahman Muharman Lubis