<![CDATA[Digital transformation in the banking sector demands the simultaneous strengthening of financial literacy and service digitalization, yet its implementation at the level of frontline employees remains understudied empirically. This study aims to analyze the implementation of the Financial Services Authority's Financial Literacy Policy (X1) and Bank Indonesia's Financial Digitalization Policy (X2) on Frontliner Service Effectiveness (Y) at PT Bank Rakyat Indonesia (Persero) Tbk Pekalongan Branch Office, using Edward III's (1980) public policy implementation framework across the dimensions of communication, resources, disposition, and bureaucratic structure. The study employed a sequential explanatory mixed-methods approach through a questionnaire administered to 80 frontline employees using saturation sampling, followed by in-depth interviews with eleven informants. Quantitative data were analyzed using Spearman's Rank correlation due to non-normal data distribution, while qualitative data were analyzed thematically. The results show that X1 was strongly and significantly correlated with Y (rs = 0.667), X2 was also strongly correlated (rs = 0.635), and both variables simultaneously explained 53.2 percent of the variance in Y (R² = 0.532). The qualitative findings reinforced the quantitative results, particularly regarding resource limitations and bureaucratic structure constraints caused by high customer queue volumes. This study offers a theoretical contribution by separating the two regulatory policies into distinct variables, as well as a practical contribution toward optimizing frontline banking services.]]>
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