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p-Index From 2021 - 2026
0.444
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All Journal Journal of Studies in Academic, Humanities, Research, and Innovation
Hery Maulana Arif
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Religion Chemistry Economics, Econometrics & Finance Education Library & Information Science Mathematics Social Sciences Other

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Fintech and Operational Efficiency: Empirical Evidence from Indonesia’s Banking Sector Burhanuddin; Andi Mustika Amin; Hery Maulana Arif
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.904

Abstract

This study investigates the impact of financial technology (Fintech) adoption on the operational efficiency of commercial banks listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. Employing a quantitative causal-associative method and panel data regression analysis, the research explores how Fintech-driven digital transactions influence banks’ cost structures and efficiency ratios. Data were drawn from annual financial statements and digital transaction reports of four major banks: PT Bank Rakyat Indonesia, PT Bank Negara Indonesia, PT Bank Mandiri, and PT Bank Central Asia. The results reveal that Fintech adoption has a significant and negative effect on both Operating Cost to Operating Income (OCOI) and Cost-to-Income Ratio (CIR), indicating that increased digital transaction activity leads to lower operational costs and improved efficiency. These findings demonstrate that Fintech plays a pivotal role in enhancing banking performance by reducing transaction expenses, optimizing resource allocation, and promoting service accessibility. The study contributes to academic discourse and provides strategic insights for banking practitioners and regulators to strengthen digital transformation policies and foster inclusive Fintech adoption in Indonesia’s financial ecosystem.
Comparison Of Consumer Preferences And Satisfaction Factors In Offline And Online Shopping At Missyshop Official Hery Maulana Arif; Deddy Ibrahim Rauf
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 3 No. 1 (2026): Vol 3 No 1 June 2026
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v3i1.1445

Abstract

This research aims to identify comparisons of consumer preferences between offline and online shopping at Missyshop Official and the factors that influence consumer satisfaction in both methods. Data collection was done through a questionnaire survey distributed to 90 Missyshop Official consumers in Makassar, Indonesia. The data obtained was analyzed using qualitative analysis. The research results show that consumer preference for offline shopping (69%) is higher than online shopping (31%). The factors that influence consumer satisfaction in offline and online shopping are product, price, and service. The level of consumer satisfaction when shopping offline (average score 3.40) and online (average score 3.08) is equally high. The most important factor in consumer satisfaction when shopping offline is service, followed by product, and then price. Meanwhile, when shopping online, product dimensions are the most important factor, followed by price and service.
Co-Authors Andi Mustika Amin Burhanuddin Deddy Ibrahim Rauf