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All Journal Akurasi : Jurnal Studi Akuntansi dan Keuangan Social Engagement: Jurnal Pengabdian Kepada Masyarakat El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Meiliana
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

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Mendorong Inkulsi Keuangan Melalui Digital: Pendekatan Technology Acceptance Model (TAM) pada Nasabah Bank Syariah Edy Prabowo; Fernando; Jesicca Valencia; Meiliana; Nabila Azzahra; Vallerina Mihairy; Welshan Fernando
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 7 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i7.8010

Abstract

This study aims to analyze the role of digitalization in enhancing financial inclusion among customers of Bank Syariah Indonesia (BSI) using the Technology Acceptance Model (TAM) approach. The research focuses on how perceived ease of use and perceived usefulness of BSI Mobile’s digital banking services influence technology adoption, particularly at BSI Dumai Branch. This qualitative study employs a descriptive analysis method, with data collected through interviews, observations, and documentation. The findings indicate that the adoption of Islamic banking digitalization still faces several challenges, including low digital literacy, limited infrastructure, and the need for improved cybersecurity measures. However, the increase in BSI Mobile users from 2021 to 2022 suggests that digitalization has successfully expanded financial access and enhanced financial inclusion among customers. This study highlights the importance of socialization efforts, enhanced security features, and the optimization of digital services to improve user experience and accelerate the digital transformation of Islamic banking.
Meningkatkan Kesehatan dan Kebersihan: Program Perbaikan Toilet di Kampung Tua Teluk Mata Ikan, Nongsa, Batam Saputra, Ade Jaya; Ma'muriyah, Ni'matul; Meiliana
Social Engagement: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 2 (2025): Maret 2025
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Internasional Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/se.v3i2.10319

Abstract

This community service project aimed to support tourism development at Teluk Mata Ikan Beach, Batam, through the renovation of public toilet facilities. The previous condition was inadequate and affected visitor comfort. The project, carried out by a team from Universitas Internasional Batam (UIB) in collaboration with PT Telin, involved site surveys, design planning, cost estimation, and construction. The result was a significantly improved facility that positively impacted visitor satisfaction and the image of the tourist area. This activity showcases collaboration between academia, industry, and the local community in addressing tourism infrastructure challenges.
Mendorong Inkulsi Keuangan Melalui Digital: Pendekatan Technology Acceptance Model (TAM) pada Nasabah Bank Syariah Edy Prabowo; Fernando; Jesicca Valencia; Meiliana; Nabila Azzahra; Vallerina Mihairy; Welshan Fernando
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 7 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i7.8010

Abstract

This study aims to analyze the role of digitalization in enhancing financial inclusion among customers of Bank Syariah Indonesia (BSI) using the Technology Acceptance Model (TAM) approach. The research focuses on how perceived ease of use and perceived usefulness of BSI Mobile’s digital banking services influence technology adoption, particularly at BSI Dumai Branch. This qualitative study employs a descriptive analysis method, with data collected through interviews, observations, and documentation. The findings indicate that the adoption of Islamic banking digitalization still faces several challenges, including low digital literacy, limited infrastructure, and the need for improved cybersecurity measures. However, the increase in BSI Mobile users from 2021 to 2022 suggests that digitalization has successfully expanded financial access and enhanced financial inclusion among customers. This study highlights the importance of socialization efforts, enhanced security features, and the optimization of digital services to improve user experience and accelerate the digital transformation of Islamic banking.
IS FINTECH A SUSTAINABLE BUSINESS MODEL FOR THE FUTURE? EMPIRICAL STUDY IN INDONESIA Suhardjo, Iwan; Meiliana; Tan, Nany; Andreas, Kelvin; Julia
Akurasi : Jurnal Studi Akuntansi dan Keuangan Vol 7 No 1 (2024): Akurasi: Jurnal Studi Akuntansi dan Keuangan, June 2024
Publisher : Faculty of Economics and Business University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/akurasi.v7i1.480

Abstract

The rapid rise of fintech has transformed the financial landscape, presenting both opportunities and challenges. This research assesses the financial performance of fintech companies in Indonesia compared to traditional banks, exploring the influence of sustainability disclosure, market capitalization, and leverage in both fintech and conventional banks. This research applied a quantitative approach using both stakeholder theory and signaling theory. The data used is secondary data from 13 banking companies in Indonesia which is analyzed using panel data regression. Our findings show that fintech banks have a better performance than conventional banks in terms of market capitalization, with the unexpected negative influence of sustainability disclosure on sustainable growth rate. Through a comprehensive analysis of these factors, the research aims to provide valuable insights into the sustainability and prospects of fintech as a key player in Indonesia's evolving financial ecosystem.
Co-Authors Andreas, Kelvin Edy Prabowo Fernando Jesicca Valencia Julia Nabila Azzahra Nimatul Mamuriyah Saputra, Ade Jaya Suhardjo, Iwan Tan, Nany Vallerina Mihairy Welshan Fernando