Journal of Banks and Financial Institutions
Aim Contributions in quantitative finance, mathematical finance, real estate finance, law finance, accounting, International trade, financing and investments, and related cash and credit transactions, have grown at an extremely rapid pace in recent years. The international monetary system has continued to evolve to accommodate the need for foreign-currency-denominated transactions and in the process has provided opportunities for its ongoing observation and study. Therefore, journal Bank and Financial Institutions over to who have manuscripts focused on finance, banking, financial institutions, and financial technology. Only articles with contributions will be published. Scope Banking issue Scopes related to: Banking Efficiency; Banking Regulation; Bank Solvency and Capital Structure; Bank Management (HRM Banking, Bank Marketing, Bank Operations); Bank Fund Management; Credit; Bank CSR; Financial Stability; e-Banking; Foreign Exchange Management, Investment Banking; International Banking; Islamic Banking; Bank Liquidity Management; Monetary and Fiscal Policy Decision Making; Online Banking; Banking for Retail; Banking for MSMEs. Finance issue Scopes related to: Financial Accounting and Reporting; Investment Alternatives; Asset Valuation; Behavioral Finance; Corporate Finance; Corporate Governance and Ethics; Hedging and Derivative Finance; Empirical Finance; Financial Accounting; Financial Economics; Financial Engineering; Financial Forecasting; Financial Literacy; Financial Risk Management and Analysis; Financial Technology; International Finance; Portfolio Optimization and Trading; Regulation of Financial Markets and Institutions; Rural Finance; Stochastic Models for Asset and Instrument Pricing; Systemic Risk; Taxation. Risk management issue Scopes related to: Risk management, Market risk, Financial risk, Credit risk, Operational risk, Portfolio strategy and management, Risk modelling, Liquidity risk, Stress testing, Commercial lending, Compliance and auditing, Quantitative risk, Interest rate risk, Trading risk, Treasury and finance; as well as, Risk analysts and economists, Central bankers and financial regulators, Risk consultants and service providers Financial markets issue Scopes related to: International financial markets, International securities markets, Foreign exchange markets, Eurocurrency markets, International syndications, Term structures of Eurocurrency rates, Determination of exchange rates, Information, speculation, and parity, Forward rates and swaps, International payment mechanisms, International commercial banking, International investment banking, Central bank intervention, International monetary systems.
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<![CDATA[E-Banking as a Competitive Advantage Driver in Commercial Banks: A Systematic Literature Review ]]>
<![CDATA[Nova Atmalisa Nurhaliza]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 2 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(2)-06
<![CDATA[Objective: This study aims to provide a comprehensive overview of how e-banking contributes to the competitive advantage of commercial banks in the digital era. Research Design & Methods: A systematic literature review was conducted using the PRISMA approach, focusing on peer-reviewed articles published between 2020 and 2024. Of the 949 articles screened, 10 studies met the inclusion criteria and were analysed in depth. Findings: The findings reveal that e-banking plays a strategic role in improving operational efficiency, reducing transaction costs, and increasing the speed of service delivery. It also increases customer satisfaction through convenience, accessibility, and 24/7 service availability. Furthermore, e-banking enables market expansion by reaching out to underserved populations. However, limited digital infrastructure, cybersecurity threats, and low user literacy remain critical challenges. Implications & Recommendations: Commercial banks should adopt a holistic e-banking strategy that includes robust cybersecurity measures, transparent customer communication, and continuous innovation. Addressing these areas will help maximise the long-term benefits of e-banking and ensure resilience in a dynamic digital environment. Contribution & Value Added: This study summarizes current insights from international literature and offers strategic guidance for banks looking to leverage e-banking as a sustainable competitive advantage in the financial services sector.]]>
<![CDATA[Literature Review: Business Ethics and Good Corporate Governance as the Foundation of Financial Performance in the Banking Industry ]]>
<![CDATA[Heri Kurniawan Prayitno]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 2 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(2)-07
<![CDATA[Objective: This study aims to analyze the strategic role of business ethics and Good Corporate Governance (GCG) in supporting long-term financial performance in the banking industry. This study focuses on how ethical integrity and governance structures contribute to stakeholder trust, risk mitigation, and institutional competitiveness. Research Design & Methods: This article uses a systematic literature review method by analyzing and synthesizing findings from the latest empirical studies published between 2020 and 2024. This review focuses on the relationship between business ethics, corporate governance, and financial performance indicators in the banking sector, including conventional and Islamic financial institutions. Findings: These findings reveal that consistent ethical principles and strong GCG practices significantly improve bank stability, operational efficiency, and financial performance. A structured risk management framework and a formal code of ethics strengthen internal control systems and enhance public trust and institutional credibility. Furthermore, integrating sustainability and social responsibility principles contributes to long-term competitiveness. Implications & Recommendations: Banks are advised to institutionalize ethical behavior and governance structures as strategic priorities, rather than merely complying with regulations. Investing in digital governance capabilities and aligning ESG frameworks with operational strategies is critical to ensuring resilience in a rapidly evolving financial landscape. Contribution & Value Added: This study offers a conceptual contribution by consolidating the relationship between ethical integrity, GCG, and financial outcomes in banking. It provides an academic foundation for strengthening ethical governance practices, particularly in emerging markets where stakeholder trust and systemic stability are critical.]]>
<![CDATA[Digital Transformation in the Indonesian Banking Industry: A Qualitative SWOT Analysis of Mobile Banking Initiatives in Conventional Financial Institutions ]]>
<![CDATA[Vita Rokhimatul Ula]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 2 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(2)-08
<![CDATA[Objective: This study aims to analyze the internal and external factors that influence the development of mobile banking in conventional banks in indonesia, as well as formulate sustainable strategies that are able to maximize opportunities and overcome challenges in the era of digital transformation. Research Design & Methods: The study used a descriptive qualitative approach with SWOT analysis method to identify the strengths, weaknesses, opportunities, and threats faced by conventional banks in the implementation of mobile banking. Data was obtained through the study of current literature, industry reports, and relevant academic publications. Findings: The analysis shows that reputation, credibility, and customer loyalty are key strengths that can be leveraged to overcome cost constraints, IT infrastructure complexity, and internal resistance to new technologies. Strategic opportunities include expanding financial inclusion in remote areas and improving operational efficiency through automation and analytics technology. Key threats include the digital divide and increased cybersecurity risks. Implications & Recommendations: Conventional banks should adopt a mobile banking development strategy that emphasizes cross-stakeholder collaboration, relevant product innovation, and digital literacy programs to reduce the access gap. In addition, investment in cybersecurity and IT infrastructure modernization should be prioritized to maintain customer trust. Contribution & Value Added: This research provides a practical contribution in formulating a sustainable mobile banking strategy in Indonesia by considering local conditions, digital divide, and market dynamics. Academically, this research enriches the literature on the application of SWOT analysis to the development of digital financial services in developing countries.]]>
<![CDATA[Financial Literacy and Digital Savings Behavior of Gen Z in the Fintech Era: A Systematic Literature Review ]]>
<![CDATA[Azizah Kusuma Dewi]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 2 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(2)-09
<![CDATA[Objective: This study aims to analyze the role of financial literacy and financial technology (fintech) in shaping the savings mindset and economic behavior of Generation Z in the digital age. Research Design & Methods: This study employs a Systematic Literature Review (SLR) approach to scientific articles published between 2020 and 2024, focusing on financial literacy, fintech, and Generation Z's saving behavior. Data were analyzed by reviewing patterns of findings, research gaps, and the theoretical and practical relevance of the available literature. Findings: The study results indicate that financial literacy is a cognitive and affective foundation for enhancing understanding, awareness, and healthy financial decision-making among Generation Z. On the other hand, fintech functions as a facilitator through interactive, transparent digital services equipped with practical gamification features that encourage savings discipline. The synergy between the two has been proven to strengthen sustainable saving behavior, reduce dependence on high-cost loans, and improve long-term financial resilience. Implications & Recommendations: The findings emphasize the need to integrate financial literacy programs with digital fintech solutions relevant to Generation Z's lifestyle. Stakeholders, including educational institutions, financial institutions, and the government, need to collaborate in designing interactive and technology-based financial education programs to improve the effectiveness and sustainability of saving behavior. Contribution & Value Added: This research offers a conceptual framework emphasizing the synergy between financial literacy and fintech in shaping Generation Z's saving habits. The added value of this study lies in presenting the latest evidence from the literature that can be used as a basis for developing policy strategies and digital financial product innovations.]]>
<![CDATA[A Qualitative Study of MSMEs Perception and Practices towards Islamic Finance in Rural Areas ]]>
<![CDATA[Aoktavia Taniatul Romadhani]]>
<![CDATA[ Journal of Banks and Financial Institutions Vol 1 No 2 (2025) ]]>
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DOI: 10.70764/gdpu-jbfi.2025.1(2)-10
<![CDATA[Objective: This study aims to explore the perceptions and practices of micro, small, and medium enterprises (MSMEs) in rural areas regarding Islamic finance, highlighting the gap between ideal perceptions and actual practices. Research Design & Methods: A qualitative phenomenological approach was used to capture the lived experiences of MSME actors MSMEs in adopting Islamic finance. Data was collected through in-depth interviews and thematic analysis was used to identify patterns and challenges. Findings: The findings reveal significant differences between positive perceptions of Islamic finance and its practical implementation. Although most respondents expressed strong support for Sharia principles— valuing fairness, interest-free systems, and alignment with religious values — its implementation is hindered by limited access to Islamic financial institutions, complex administrative procedures, and a lack of knowledge about available Shariah-based financial products. The study also highlights the potential of Islamic fintech and government support as key drivers for overcoming these barriers. Implications & Recommendations: This study shows that improving financial literacy, simplifying administrative processes, expanding access to Islamic financial services in rural areas, and utilizing fintech innovations can significantly increase MSME participation in Islamic finance. Stronger policy support and targeted programs for rural MSMEs are recommended to strengthen the Islamic financial ecosystem. Contribution & Value Added: This study contributes to the literature by providing empirical insights into the perception-practice gap among rural SMEs in adopting Islamic finance. It highlights the interplay between religious values, structural constraints, and technological opportunities, and offers practical recommendations for policymakers, financial institutions, and technology providers to promote inclusive Islamic finance.]]>
