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All Journal Journal of Artificial Intelligence and Digital Business Jurnal Ilmu Sosial, Humaniora dan Seni
Apriliani, Ratu Raissyah
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Arts Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Korelasi Statistik Antara Populasi Jumlah Penduduk dan Pengguna Internet Di Indonesia Siregar, Anni Aisyah Hidayani; Apriliani, Ratu Raissyah; Nurhasanah, Nurhasanah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2684

Abstract

Penggunaan internet di Indonesia terus mengalami peningkatan seiring dengan kemajuan teknologi dan perkembangan zaman. Meskipun demikian, kesenjangan digital masih menjadi permasalahan yang cukup serius, khususnya berkaitan dengan faktor sosial ekonomi seperti usia, tingkat pendidikan, dan lokasi geografis masyarakat Indonesia. Tujuan dari penelitian ini adalah untuk mengevaluasi penggunaan internet berdasarkan ketiga faktor tersebut. Data yang digunakan berasal dari lima tahun terakhir. Hasil penelitian menunjukkan bahwa usia, pendidikan, dan wilayah secara signifikan memengaruhi akses terhadap internet. Temuan ini memberikan kontribusi penting bagi perumusan kebijakan pemerintah dalam mengatasi kesenjangan digital melalui pendekatan yang mengedepankan inklusi sosial.
Transformasi Digital Dalam Pengembangan E-Business Di Perbankan Syariah Siregar, Anni Aisyah Hidayani; Apriliani, Ratu Raissyah; Tafrijah, Murni; ., Nurbaiti
Jurnal Ilmu Sosial, Humaniora dan Seni Vol. 4 No. 4 (2026): Januari - Februari
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jishs.v4i4.4198

Abstract

This study aims to analyse the implementation of digital transformation in the development of e-business in Indonesian Islamic banking, with a case study focus on Bank Syariah Indonesia (BSI). Digital transformation has become a strategic necessity for Islamic banking to increase competitiveness in the era of the 4.0 industrial revolution, but its implementation must remain in line with Islamic principles such as fairness, transparency, and the prohibition of usury. This study uses a descriptive qualitative approach through a literature review, analysing scientific journals, official BSI reports, and policy documents related to the digitalisation of Islamic banking. Data analysis techniques use content analysis with document triangulation to increase the validity of the findings. The results show that BSI has implemented comprehensive digital transformation through the BYOND platform, integration with halal fintech, a cloud-based core banking system, and the application of Artificial Intelligence and Big Data Analytics technologies. This implementation has successfully increased active users by 41% and operational efficiency by up to 28%. However, there are significant challenges faced, including customer digital literacy gaps, cyber security threats, the complexity of post-merger system integration, and the limited number of human resources who are proficient in Sharia-based digital technology. This study contributes to the literature on Islamic finance digitalisation by providing an understanding of how Islamic banking can transform sustainably without abandoning fundamental Sharia values.
Co-Authors ., Nurbaiti Nurhasanah Nurhasanah Siregar, Anni Aisyah Hidayani Tafrijah, Murni