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Silvy Windha Mediaswari
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Lantai 3 Mega Zanur Mall Jl. Prof. Dr. H.B. Jassin, Kec. Kota Selatan, Kel.Limba U2, Kota Gorontalo, Kode Pos 96138
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Journal of Digital Business & Banking
Published by Politeknik Kebangsaan
ISSN : -     EISSN : 31235816     DOI : 10.65177
Core Subject : Economy, Science, Education, Engineering,
Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education
Journal of Digital Business & Banking (JDBB) is a scientific, open access, peer-reviewed journal published two times a year (June and December) by Politeknik Kebangsaan Gorontalo whose objective is to publish original research papers related to the Digital Business & Banking issues. This journal is also dedicated to disseminating the published articles for academicians, researchers, practitioners, and public societies. The areas of concern in this journal include: (1) Digital Business and E-Commerce; (2) Financial Technology/FinTech; (3) Digital Banking; (4) Cybersecurity and Risk Management in Banking; (5) Digital Entrepreneurship; (6) Artificial Intelligence and Automation in Banking; (7) accounting economics, and other relevant subjects.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Menejemen Teknologi dan Inovasi
Articles 14 Documents
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Pengaruh Digital Banking dan Kualitas Layanan Terhadap Kepuasaan Nasabah pada Bank Swasta di Jakarta Anggun Rianda Putri; Abdul Hoer
Jurnal Bisnis Digital & Perbankan Vol 2 No 1 (2026): Journal of Digital Business & Banking (Juni)
Publisher : Politeknik Kebangsaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65177/jdbb.v2i1.68

Abstract

Technological developments have encouraged the banking sector to adopt digital services to improve customer satisfaction. Digital banking enables faster, more convenient, and more efficient transactions, while service quality remains a crucial factor in building a positive customer experience. This study aims to analyze the influence of digital banking and service quality on customer satisfaction at private banks in Jakarta.The research method used was a quantitative approach using a survey technique. Data were collected through questionnaires distributed to 150 private bank customers in Jakarta who had used digital banking services. The sampling technique used was purposive sampling. Data analysis was conducted using validity tests, reliability tests, classical assumption tests, multiple linear regression, and t-tests and F-tests. The results show that digital banking has a positive and significant effect on customer satisfaction. Service quality also has a positive and significant effect on customer satisfaction. Simultaneously, digital banking and service quality significantly influence customer satisfaction at private banks in Jakarta. This demonstrates that improving the quality of digital systems and responsive service can increase customer satisfaction.   Keywords: digital banking; service quality; customer satisfaction; private banks; Jakarta
Analisis Peran Digital Banking dalam Meningkatkan Kepuasan dan Kepercayaan Nasabah Anggun Rianda Putri; Waode Nelly Sarlina Latfi
Jurnal Bisnis Digital & Perbankan Vol 2 No 1 (2026): Journal of Digital Business & Banking (Juni)
Publisher : Politeknik Kebangsaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65177/jdbb.v2i1.69

Abstract

This study aims to analyze the role of digital banking in improving customer satisfaction and trust. The rapid development of technology has encouraged banks to provide digital services that are fast, easy, and secure to meet customer needs. This research employed a quantitative approach using a survey method involving 150 respondents who use digital banking services. The data were analyzed using multiple linear regression and statistical tests.The results show that digital banking has a positive and significant effect on customer satisfaction and trust. Ease of access, transaction speed, system security, and information quality are the main factors influencing customer perceptions. The better the quality of digital banking services, the higher the level of customer satisfaction and trust.This study is expected to provide practical insights for banks in improving digital service quality and strengthening long-term relationships with customers.   Keywords: digital banking; customer satisfaction; customer trust; financial services.
Hubungan Kualitas Bahan Baku Terhadap Pencapaian Target ProduksiDi PT. Multi Nabati Sulawesi Luwuk Hindun Effendy; I Wayan Suwikarsa; Trifandi Lasalewo; Muh. Yasser Arafat
Jurnal Bisnis Digital & Perbankan Vol 2 No 1 (2026): Journal of Digital Business & Banking (Juni)
Publisher : Politeknik Kebangsaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65177/jdbb.v2i1.76

Abstract

PT. Multi Nabati Sulawesi is a company engaged in the Croud Coconut Oil (CCNO) industry with copra as its raw material. Based on actual data, it is known that the oil production produced is often outside the standards set by the company. Therefore, it is necessary to evaluate the causal factors and find the right solution for improvement, where the main factor is the quality of the processed raw materials. To determine the relationship between raw material quality and the achievement of production targets, a Linear Regression method is used which aims to determine the influence of raw material quality on the achievement of production targets. Through the Simple Linear Regression model, a linear relationship between two variables is known, where one variable is considered to influence the other variable. Meanwhile, Multiple Linear Regression is used to determine whether or not there is a significant influence of two or more independent variables in this study.
Analisis Keseimbangan Ekosistem Transportasi Online (Driver–Platform–Konsumen) Menggunakan Pendekatan Analisis Swot Mohamad Rinaldi Djakaria; Silvy Windha Mediaswari; Harry Fadholi Lakadjo
Jurnal Bisnis Digital & Perbankan Vol 2 No 1 (2026): Journal of Digital Business & Banking (Juni)
Publisher : Politeknik Kebangsaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65177/jdbb.v2i1.84

Abstract

This study aims to evaluate the balance of the online motorcycle taxi (ride-hailing) ecosystem involving drivers, platforms, and consumers within the context of the digital economy. The main issue addressed is the imbalance of relationships among actors caused by platform dominance, income uncertainty among drivers, and consumer pressure for low prices and high service quality. The study is grounded in the notion that digital business ecosystems are complex and require strategic approaches that integrate internal and external factors. The theoretical framework includes platform economy, gig economy, and SWOT analysis as a strategic evaluation tool. This research employs a qualitative descriptive approach using a literature study method, with data obtained from reputable academic journals, official reports, and relevant documents over the past ten years. Data analysis was conducted through data reduction, classification of internal and external factors, and the development of a SWOT matrix to formulate strategic recommendations. The findings indicate that the online motorcycle taxi ecosystem is not yet balanced, with strengths in work flexibility and technological efficiency, but weaknesses in driver welfare and dependence on platforms. Opportunities arising from digital economic growth have not fully offset threats such as algorithmic dominance and regulatory uncertainty. Therefore, integrated strategies are needed, including improving system transparency, strengthening driver capacity, and developing adaptive regulatory frameworks to achieve a more sustainable ecosystem.

Page 2 of 2 | Total Record : 14

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