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All Journal Oikonomia : Journal of Management Economics and Accounting Nomico
Adrian Eka Darma Serang
Perbanas Institute Jakarta
Economics, Econometrics & Finance

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Journal : Nomico

 1 
Banking Digitalization in the Era of Revolution 5.0: Opportunities and Risks for Financial Inclusion Adrian Eka Darma Serang
Nomico Vol. 1 No. 10 (2024): Nomico-November
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/x3ta4h52

Abstract

Banking digitalization in the Revolution 5.0 era plays a key role in accelerating financial inclusion by leveraging digital technology to expand access to financial services for previously underserved communities. Technologies such as mobile banking, fintech, and blockchain have enabled faster, cheaper, and more accessible financial transactions, even by those who live in remote areas or do not have access to traditional banking services. However, challenges related to data security, cyber threats, inequality of access to technology, and low digital literacy are the main obstacles in realizing comprehensive financial inclusion. This study aims to examine the opportunities and risks associated with banking digitalization in the Revolution 5.0 era, as well as suggest strategies to overcome these challenges. Collaboration between the public and private sectors is needed to build a more equitable digital infrastructure, increase digital literacy, and develop regulations that protect the security of user data and transactions. With an inclusive and coordinated approach, banking digitalization is expected to create a more efficient, fair, and sustainable financial system, as well as provide broader economic opportunities for all levels of society.
Paylater Lifestyle: Financial Solution or Debt Trap for the Younger Generation Adrian Eka Darma Serang; Adhis Darussalam Pamungkas; Tiara Nirmala
Nomico Vol. 2 No. 2 (2025): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/vxvc2903

Abstract

Paylater services have grown rapidly in Indonesia along with the increasing penetration of digital and e-commerce. Ease of access and more flexible requirements make it the main choice for the younger generation to meet consumer needs. However, uncontrolled use of Paylater can pose financial risks, such as debt accumulation, declining credit scores, and inhibiting the ability to save. The younger generation, who are still in the stage of building personal finances, are very vulnerable to these negative impacts. Studies show that most Paylater users are aged 20-30 years, with the majority using this service for online shopping and lifestyle. Dependence on Paylater reflects a weak awareness of long-term financial consequences. Without a good understanding of the fee and interest structure, many users are trapped in debt that is difficult to repay. This phenomenon is exacerbated by a culture of impulsive consumption driven by aggressive marketing strategies from e-commerce platforms. If not balanced with adequate financial literacy and strict regulations, Paylater risks exacerbating individual financial crises. Therefore, increasing financial literacy and stricter policies are urgently needed to ensure responsible use of Paylater, as well as to protect consumers and the stability of the financial sector.
Financial Well-Being as a Management Strategy: Linking Employee Well-Being to Company Performance Adrian Eka Darma Serang; Nasrullah Djamil; Tiara Nirmala; IGP Ratih Andaningsih
Nomico Vol. 2 No. 8 (2025): Nomico - September
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/sbff2d42

Abstract

Employee financial well-being is a strategic aspect of human resource management that directly impacts psychological stability, motivation, and individual performance. A stable financial condition reduces economic stress, allowing cognitive capacity to focus on achieving work targets and increasing productivity. This study used a qualitative method with a literature review approach to analyze the relationship between financial well-being and company performance, while also identifying effective implementation strategies. The results of the literature synthesis indicate that financial well-being contributes to reduced turnover rates, absenteeism, and work errors, as well as strengthening a positive work culture and team cohesion. Support programs such as financial literacy, access to soft financing, and insurance protection serve as psychological buffers and instruments for mitigating external risks. Integrating these concepts into HR policies supports the achievement of Sustainable Human Resource Management (SHRM) and internal Corporate Social Responsibility (CSR) goals. Furthermore, the positive reputation created strengthens employer branding, attracts quality talent, and creates a competitive advantage that is difficult to replicate. Thus, financial well-being is not merely a welfare policy, but rather a strategic foundation that synergizes an organization's economic, social, and cultural goals in a sustainable manner         
Co-Authors Adhis Darussalam Pamungkas Darman Syafei Eka Lestari Hafqi Putri Hilmi Wiranwata IGP Ratih Andaningsih Kalsum, Ummy Nasrullah Djamil Tiara Nirmala Tiara Nirmala Yunior Pasagi