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Journal of Artificial Intelligence and Digital Economy
Published by PT. Antis International Publisher
ISSN : -     EISSN : 30321077     DOI : https://doi.org/10.61796/jaide
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Journal of Artificial Intelligence and Digital Economy is part of the Discover journal series committed to providing a streamlined submission process, rapid review and publication, and a high level of author service at every stage. It is an open-access, community-focused journal publishing research covering all aspects of artificial intelligence in theory and application.
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Articles 200 Documents
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PROSPECTS FOR USING DIGITAL TECHNOLOGIES IN OPTIMIZING OPERATIONAL COSTS OF COMMERCIAL BANKS Masharipova Durdona Ulugbekovna
Journal of Artificial Intelligence and Digital Economy Vol. 3 No. 7 (2026): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v3i7.1849

Abstract

Objective: This study investigates the prospects and practical implications of deploying emerging digital technologies — including Artificial Intelligence (AI), Machine Learning (ML), Big Data analytics, Blockchain, Cloud Computing, Robotic Process Automation (RPA), and integrated Digital Banking Platforms — in the pursuit of operational cost optimization within commercial banks. The accelerating pace of digital transformation in the financial sector has created both unprecedented opportunities and complex challenges for banking institutions seeking to enhance efficiency and competitiveness. Method: The research employs a systematic literature review of peer-reviewed publications indexed in Scopus, Web of Science, IEEE Xplore, and Elsevier databases (2020–2025), supplemented by a comparative analysis of traditional and digital banking models. Economic analysis methods, including cost-benefit analysis and quantitative performance indicators, are applied to evaluate the financial impact of specific digital technologies. Results: The results demonstrate that the adoption of AI and ML can reduce operational costs by 20–35%, while RPA deployment achieves savings of 25–50% in back-office processes. Cloud computing migration reduces IT infrastructure expenditure by 15–40%, and blockchain-enabled cross-border payment systems can eliminate up to 50% of transaction processing costs. Commercial banks implementing comprehensive digital transformation strategies report cost-to-income ratio improvements from approximately 65–75% to 35–50%. Digital technologies represent a transformative force in banking cost optimization; however, their effective implementation requires substantial upfront investment, robust cybersecurity frameworks, regulatory compliance, and workforce reskilling. Novelty: This study provides a structured analysis and practical recommendations to guide commercial banks in strategically deploying digital solutions for sustained operational efficiency.
CUSTOMER SATISFACTION ANALYSIS OF THE BROMPIT AHASS APPLICATION USING THE CUSTOMER SATISFACTION INDEX (CSI) AND IMPORTANCE PERFORMANCE ANALYSIS (IPA) METHODS Zahrotul Firda; Indah Apriliana Sari Wulandari
Journal of Artificial Intelligence and Digital Economy Vol. 3 No. 2 (2026): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v3i2.1864

Abstract

Objective: There are a large number of motorcycle users in Indonesia, and of course, behind the many motorcycle users, they often experience problems with their vehicles. Many official and unofficial motorcycle repair shops in Indonesia, one of which is AHASS. AHASS is an official Honda motorcycle repair shop. Now AHASS provides an application called BROMPIT which has a function to make it easier for users to book services without having to queue, choose service schedules and other conveniences. With the large number of customers who use this application, of course, we also increasingly know the level of customer satisfaction when using this service. Method: The results of the calculation of the level of customer satisfaction in the Brompit AHASS application using the Customer Satisfaction Index (CSI) and Importance Performance Analysis (IPA) methods have a value of 79.2, which means that customers feel "satisfied" with the application. Results: Meanwhile, the attributes that are prioritized for quality improvement are related to service information, speed of service response when booking, customer data security, application display and application performance. Novelty: This can be used as a suggestion for improvements related to the existing system to increase overall customer satisfaction and expectations.
COMPREHENSIVE FRAMEWORK FOR OPTIMIZING DEMAND FORECASTING IMPLEMENTATION: A BIBLIOMETRIC ANALYSIS Rifkiansyah Aryasatya Pramudita; Rita Ambarwati Sukmono
Journal of Artificial Intelligence and Digital Economy Vol. 3 No. 3 (2026): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v3i3.1865

Abstract

Objective: Geopolitical uncertainty, supply chain disruptions, and dynamic market conditions underscore the critical role of demand forecasting in modern business strategy. The results of accurate demand forecasting enable organizations to anticipate customer demand, perform optimal inventory management, improve supply chain efficiency, and make strategic decisions based on data. Forecasting models have currently experienced quite rapid development along with the integration of technologies such as machine learning and deep learning, which are able to overcome the limitations of traditional forecasting models in processing complex and nonlinear data. Integration of technology into demand forecasting models has been proven to improve the accuracy and adaptability of forecasting models, but there are still challenges in its implementation related to data quality, selection of appropriate forecasting models, and availability of computing resources. The purpose of this study is to identify research trends, literature gaps, and global collaborations in demand forecasting model development and to formulate a comprehensive framework to optimize demand forecasting implementation. Method: This study uses a mixed method by conducting bibliometric analysis on 502 documents and content analysis on 144 relevant documents from the Scopus database. Results: The results of this study indicate an increasing trend in the use of hybrid forecasting models that combine traditional forecasting models with machine learning or deep learning. Novelty: This study also proposes a comprehensive framework that can be used to optimize the implementation of demand forecasting with the aim of improving forecast accuracy and strengthening the organization's ability to anticipate a dynamic and uncertain global market environment.
ANALYSIS OF THE APPLICATION OF SIAPIK IN THE PREPARATION OF FINANCIAL REPORTS BASED ON SAK EMKM TO IMPROVE THE ACCOUNTABILITY OF THE SALSA BEAUTY SALON UMKM Duwi Rahayu; Tarin Achuistina
Journal of Artificial Intelligence and Digital Economy Vol. 3 No. 3 (2026): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v3i3.1866

Abstract

Objective: This study aims to analyze the application of the Financial Information Recording Application Information System (SIAPIK) in preparing financial reports based on the Financial Accounting Standards for Micro, Small, and Medium Entities (SAK EMKM) to improve accountability in the Salsa Beauty House Salon MSME. Method: This study examines how business actors utilize the SIAPIK application in the process of recording and preparing financial reports so that the resulting information is more systematic, accurate, and reliable. This study uses a qualitative approach with data collection techniques through observation and interviews with business actors. Results: The results show that Salsa Beauty House Salon has met the criteria for presenting financial reports according to SAK EMKM. However, there are still several obstacles in the recording process, especially related to the limited human resources who have the ability to prepare financial reports optimally using the SIAPIK application. Novelty: This study analyzes the application of the SIAPIK information system in preparing SAK EMKM-based financial reports to improve accountability in the Salsa Beauty House Salon MSME.
AN ANALYSIS OF MANAGEMENT ACCOUNTING INFORMATION SYSTEMS, HUMAN CAPITAL, AND LEADERSHIP STYLE TO IMPROVE MANAGERIAL PERFORMANCE AT PT. MITRA NUR JAYA SEJATI Ivan Prasetyo Karyow; Hadiah Fitriyah
Journal of Artificial Intelligence and Digital Economy Vol. 3 No. 3 (2026): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v3i3.1867

Abstract

Objective: Increasingly intense business competition demands that every company continually improve efficiency, productivity, and service quality to survive and grow. The success of an organization is greatly determined by good managerial performance, which is supported by three main factors: the implementation of management accounting information systems, the management of human resources or human capital, and the application of an appropriate leadership style. This research was conducted at PT Mitra Nur Jaya Sejati, which operates in the field of providing external workforce or outsourcing services, to analyze the role of these three factors in supporting the improvement of the company's managerial performance. Method: The method used in this research is a qualitative method with a descriptive approach, where data is collected and described to depict the actual conditions occurring in the field. Results: The research results show that the management accounting information system plays a role in providing accurate, timely, and quality information that serves as the basis for planning, decision-making, and monitoring company activities. Human capital management is implemented through the provision of continuous training programs, mapping of employee potential, and the preparation of clear career paths, thereby enhancing skills and work motivation. In addition, the leadership style applied also plays a role in maintaining work spirit, building team cooperation, and creating a conducive work environment. Overall, these three factors have a significant influence on managerial performance. Novelty: This research is expected to provide benefits to companies as a consideration in formulating business development strategies and serve as a reference for future research.
THE INFLUENCE OF IMPULSIVE BUYING BEHAVIOR, SELF-CONTROL, LIFESTYLE, AND RELIGIOSITY ON PAYLATER USAGE IN GENERATION Z Aisha Hanif; Nur Amiliyah Safara
Journal of Artificial Intelligence and Digital Economy Vol. 3 No. 3 (2026): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v3i3.1874

Abstract

Abstract. This study aims to analyze the influence of impulsive buying behavior, self-control, lifestyle, and religiosity on the use of paylater among Generation Z students at Muhammadiyah University of Sidoarjo. The research method employed a quantitative approach with a sample of 100 respondents determined using the Slovin formula and simple random sampling. Data were analyzed using multiple linear regression. The results indicate that impulsive buying behavior, self-control, and lifestyle have a positive and significant effect on paylater usage, while religiosity has a negative and significant effect. An R-squared value of 0.558 indicates that the independent variables explain 55.8% of the variation in paylater usage. Validity and reliability tests showed that all instruments are suitable for use. In conclusion, psychological factors and lifestyle predominantly influence paylater usage, while religiosity suppresses its use. The implications of this study are expected to serve as a basis for evaluating the use of digital financial services for both users and paylater service providers in Indonesia in the future.
THE INFLUENCE OF AFFILIATE MARKETING, LIVE STREAMING, AND ONLINE CUSTOMER REVIEWS ON PURCHASING DECISIONS OF FACETOLOGY SUNSCREEN PRODUCTS ON TIKTOK SHOP Shinta Nuriya; Alshaf Pebrianggara; Hasan Ubaidillah; Misti Hariasih
Journal of Artificial Intelligence and Digital Economy Vol. 3 No. 3 (2026): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v3i3.1875

Abstract

Objective: This study aims to analyze the influence of affiliate marketing, live streaming, and online customer reviews on purchasing decisions for Facetology sunscreen products on TikTok Shop. Method: This research uses a quantitative approach with a survey method by distributing questionnaires to 100 respondents who have used Facetology products. The data analysis technique used Partial Least Square (PLS) to examine the relationship between variables. Results: The results show that affiliate marketing, live streaming, and online customer reviews have a positive and significant effect on purchasing decisions. Live streaming has the most dominant influence because it provides direct information, increases interaction, and builds consumer trust. Novelty: In addition, affiliate marketing and online customer reviews also play an important role in providing information and recommendations that influence consumer purchasing decisions. This study indicates that digital marketing strategies are effective in increasing purchasing decisions for skincare products on TikTok Shop.
THE INFLUENCE OF E-WALLET USE, FEAR OF MISSING OUT (FOMO), AND CONSUMPTIVE BEHAVIOR ON STUDENT FINANCIAL MANAGEMENT IN THE ERA OF DIGITAL LOANS Ajeng Rizqi Ramandhani Putri; Aisha Hanif
Journal of Artificial Intelligence and Digital Economy Vol. 3 No. 4 (2026): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v3i4.1876

Abstract

Objective: This study aims to analyze the influence of digital wallet usage, Fear of Missing Out (FoMO), and consumerist behavior on students’ financial management in the era of digital lending. Method: This study employs a quantitative approach using primary data collected through a questionnaire distributed to active students at Muhammadiyah University of Sidoarjo. A total of 100 respondents were analyzed using multiple linear regression with the assistance of SPSS version 26. Results: The results indicate that the use of digital wallets has a positive and significant influence on students’ financial management, whereas Fear of Missing Out (FoMO) has a negative and significant influence. Additionally, consumptive behavior has a positive and significant influence on students’ financial management. Novelty: These findings suggest that the use of digital financial technology, social pressure, and experiences with consumptive behavior play a role in shaping students’ financial management in the era of digital lending.
CUSTOMER RELATIONSHIP MANAGEMENT AS A STRATEGIC CAPABILITY FOR ICT ENTREPRENEURSHIP IN THE DIGITAL ECONOMY Rita Ambarwati
Journal of Artificial Intelligence and Digital Economy Vol. 3 No. 7 (2026): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v3i7.1881

Abstract

Objective: This study examines the implementation of CRM in an ICT service company and explores its contribution to customer satisfaction, customer retention, and long-term relationship development. Method: Employing a qualitative descriptive design, the study adopts Robert K. Yin’s case study approach to investigate CRM as an integrated managerial and entrepreneurial process. The analysis examines the implementation of CRM through four interconnected strategic stages: customer portfolio analysis, customer value creation, business network alignment, and customer life-cycle management. Results: The findings demonstrate that CRM strengthens the firm’s capacity to identify customer behavior, personalize digital services, respond effectively to changing customer expectations, and cultivate customer loyalty. Moreover, an integrated CRM strategy enables ICT service firms to combine customer information, service quality, digital interaction, and relationship-building practices to support competitive differentiation and business sustainability. Novelty: The originality of this study lies in conceptualizing CRM not merely as an information technology application, but as a dynamic strategic capability that connects customer intelligence, digital value creation, entrepreneurial responsiveness, and long-term relationship management. The study provides practical implications for ICT entrepreneurs and service firms seeking to enhance customer experience, retain profitable customers, expand their customer base, and achieve sustainable growth within an increasingly competitive digital economy.
TRUST-CALIBRATED EXPLAINABLE MULTI-AGENT AI FOR SAFE PREDICTIVE CYBER DEFENCE IN CRITICAL INFRASTRUCTURE AND CLOUD-NATIVE SYSTEMS Sajidul Haque Chowdhruy; Shakila Akter; Md. Golam Mostafa
Journal of Artificial Intelligence and Digital Economy Vol. 1 No. 7 (2024): Journal of Artificial Intelligence and Digital Economy
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jaide.v1i7.1897

Abstract

Objective: This article proposes TCX-MAD, a trust-calibrated explainable multi-agent defence framework for critical infrastructure and cloud-native systems that places a safety governor between collaborative detection and response execution. Method: A design-science methodology specifies the architecture, formal decision policy, threat model, public-dataset evaluation plan, and safety-centred metrics. Results: The framework reports analytical safety properties and an illustrative decision trace rather than fabricated benchmark results because no experimental observations were supplied. Its primary evaluation target is unsafe automated actions prevented without materially increasing valid response latency, supported by detection, disruption, rollback, explanation, and human-approval metrics. Novelty: TCX-MAD integrates separate threat and response-risk estimation, tiered autonomy, dynamic manipulation-aware agent trust, an explanation-sufficiency gate, and rollback-bounded execution. It reframes autonomous cyber defence as constrained and accountable action selection under dual uncertainty.

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