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p-Index From 2021 - 2026
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All Journal Journal of Innovative and Creativity
Djunaedi Djunaedi
Kadiri University
Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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The Role Of Customer Experience In Mediating The Relationship Between Fintech Innovation And Customer Decisions To Use Digital Banking Services At Bank Syariah Indonesia (BSI) KCP Malang Kepanjen, East Java Andri Teguh Prasetyo; Djunaedi Djunaedi; Angga Rizka Lidiawan
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.6074

Abstract

The development of the global banking sector, particularly in the face of digitalization challenges, provides an overview of significant changes in bank operations. Based on data on the number of bank branches from 2020 to 2022, there has been a decline in the number of branches in several banks, such as Conventional Commercial Banks - State-Owned Banks. This decline reflects a shift in focus toward digitalization, requiring banks to pay attention to technology in order to enhance operational efficiency. This study aims to examine the impact of fintech innovation on customer decisions, both directly and through customer experience as a mediator. Focusing on Bank Syariah Indonesia (BSI) KCP Malang Kepanjen, this research investigates how fintech innovations, such as mobile banking applications, influence customers' decisions in choosing digital banking services. In addition, this study explores the impact of customer experience on their decisions and how a positive experience can enhance satisfaction and customer loyalty to digital services. The findings suggest that fintech innovations implemented by BSI can improve customer experience, which in turn affects customers' decisions to continue using these services. It is hoped that the results of this study can contribute to the development of more effective digital banking strategies, improve customer satisfaction, and strengthen BSI’s position in the digital banking industry in the future.
The Influence Of Human Resource Competence And Budget Planning On Budget Absorption At The Regional Secretariat Work Unit Of Kediri City Lucyana Lucyana; Djunaedi Djunaedi; Budi Rahayu
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.6141

Abstract

This study aims to analyze the influence of human resource competence and budget planning on budget absorption in the Regional Secretary's Work Unit of Kediri City. The type of research conducted is explanatory, focusing on the cause-and-effect relationships among variables. The analysis results indicate that human resource competence significantly affects budget absorption, with a calculated t value of 9.589, exceeding the t table value of 1.99834. This suggests that improving the quality and management of human resources positively impacts the success of budget absorption. A better understanding of budget management concepts by skilled human resources enhances the effectiveness and efficiency of budget usage. Furthermore, budget planning also has a significant effect, with a calculated t value of 9.003, which is higher than the t table value, indicating the importance of good planning to maximize budget absorption. The alignment between budget planning and implementation, along with effective supervision, is crucial for executing planned programs and activities. This study finds that, overall, 83.9% of the variability in budget absorption can be explained by human resource competence and budget planning, while 16.1% is influenced by other factors such as policies, internal governance, and technology. Recommendations for improvement include enhancing human resource competence through training, improving the planning process, and developing a continuous monitoring and evaluation system. This research provides valuable insights for budget management in local government, particularly in the context of enhancing public service quality in Kediri City.
Co-Authors Andri Teguh Prasetyo Angga Rizka Lidiawan Budi Rahayu Lucyana Lucyana