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Integra Business Review
Published by PT. Integra Academic Press
ISSN : -     EISSN : 3047261X     DOI : https://doi.org/10.63208/21014
Core Subject :
About the Journal Integra Business Review is a scholarly, peer-reviewed academic journal that presents in-depth analysis and critical reviews of various business-related aspects within a global context. The journal serves as an international platform for researchers, academics, and business practitioners to disseminate high-quality research, insights, and the latest findings in the field of business and management. The primary commitment of Integra Business Review is to contribute to the advancement of business knowledge and professional practice by publishing innovative and rigorous scholarly works that integrate theoretical perspectives and practical applications. Through its multidisciplinary approach, the journal encourages academic dialogue and exploration of contemporary issues shaping business organizations and markets. By fostering knowledge exchange and scholarly engagement, Integra Business Review aims to support the development of business research and practice while enhancing national and international academic recognition.
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Articles 43 Documents
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Digital-Only Banking Adoption: A Systematic Literature Review on Consumer Trust and Behavioral Patterns Fath Ezzati Kavabilla; Sugeng Wahyudi
Integra Business Review Vol. 3 No. 2 (2025): December 2025
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-622

Abstract

This study presents a systematic literature review (SLR) on the adoption of digital-only banking, emphasizing consumer trust and behavioral patterns. By analyzing empirical and conceptual studies, the review identifies key factors influencing consumers’ decisions to adopt digital-only banking services. Findings consistently highlight trust as a central determinant, shaping both customer engagement and spending behaviors. Other influential factors include perceived ease of use, security, service personalization, and technological innovations, which collectively impact the overall user experience in digital banking. The review also uncovers emerging trends in the digital banking landscape, such as increased digital interaction, integration of fintech solutions, and evolving customer expectations in the new economy. This synthesis not only contributes theoretically by consolidating existing evidence on consumer behavior in digital banking ecosystems but also provides practical insights for financial institutions. By understanding the drivers of adoption and engagement, banks can design strategies to enhance trust, improve customer experience, and foster loyalty in the rapidly transforming digital financial environment.
Determinants of Employee Turnover in the Indonesian Banking Industry Akhmad Ferizal; Soffa Rahma Yulia; Mirwan Surya Perdana
Integra Business Review Vol. 3 No. 2 (2025): December 2025
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-629

Abstract

Employee turnover is a persistent challenge in human resource management, particularly in the banking industry, where service quality and operational continuity rely on workforce stability. In Indonesia, high employee mobility has led to rising recruitment and training costs, loss of human capital, and disruptions in long-term customer relationships. Previous studies often examine turnover determinants in isolation, resulting in fragmented and inconsistent findings. This study addresses this gap by employing a systematic literature review (SLR) of 52 peer-reviewed journal articles published between 2015 and 2024, integrating classical turnover theories with recent empirical evidence. The findings identify five key determinants of employee turnover: job satisfaction, workload and performance pressure, leadership style, compensation and perceived fairness, and career development opportunities. These results demonstrate that turnover is a multidimensional phenomenon shaped by psychological mechanisms, work environment dynamics, and organizational practices. By synthesizing these factors, the study offers a refined conceptual framework that bridges theoretical gaps and provides practical insights for developing holistic employee retention strategies, enabling banks to maintain workforce stability while adapting to the evolving demands of the modern banking sector.
The Role of Artificial Intelligence (AI) in Marketing Alimamatova Diyora; Xalimova Nilufar Abduxafizovna
Integra Business Review Vol. 3 No. 2 (2025): December 2025
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-639

Abstract

This article examines the role of artificial intelligence in marketing and shows how AI technologies improve customer experiences, optimize marketing strategies, and enhance decision-making. Through the use of big data, machine learning, and predictive analytics, AI enables marketers to deliver personalized and effective campaigns, automate routine activities, and obtain useful insights from consumer data. The article also discusses the ethical implications, challenges, and future prospects of AI in marketing, particularly the need for companies to balance technological development with human creativity and judgment. AI is increasingly applied to customer personalization, data analysis, marketing automation, predictive analytics, advertising, and customer service. These applications can help businesses improve marketing efficiency, understand consumer behavior, and develop more relevant strategies. However, issues related to data privacy, security, algorithmic bias, transparency, and excessive dependence on automation need to be considered. The article therefore emphasizes responsible AI implementation and the importance of maintaining human involvement in marketing activities. AI provides important opportunities for improving modern marketing practices when its technological capabilities are combined with human creativity, strategic judgment, and appropriate ethical considerations.
Digital Transformation and Business Performance of Indonesian Small and Medium Enterprises Subur Gunawan; Nur Kamilah; Risfanda Nurhudiana
Integra Business Review Vol. 3 No. 2 (2025): December 2025
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-648

Abstract

Digital transformation has become increasingly important for the development and performance of small and medium enterprises (SMEs) in Indonesia. This study aims to examine and synthesize previous findings concerning digital transformation and its contribution to SME business performance. The study employed a literature review method based on relevant studies discussing digital transformation, e-commerce adoption, digital payment, social media utilization, organizational readiness, digital business strategy, and business performance among Indonesian SMEs. The findings indicate that digital transformation is a multidimensional process involving changes in business models, marketing activities, transaction systems, customer interaction, and business strategies. E-commerce, social media, and digital payment provide opportunities to expand market access, facilitate transactions, and strengthen customer engagement. However, the effectiveness of digital transformation depends not only on technology adoption but also on organizational readiness, technological capabilities, and strategic integration. Overall, the study concludes that digital transformation can support improved SME business performance when digital technologies are integrated with organizational capabilities and appropriate business strategies.
Employee Engagement, Work Motivation, and Productivity in the Digital Marketing Era: A Systematic Review Wisnu Wirawan; Ismi Darmastuti
Integra Business Review Vol. 4 No. 1 (2026): June 2026
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-654

Abstract

The accelerated digitalization of marketing activities has reshaped the way organizations sustain employee engagement, motivation, and productivity. This study conducts a systematic review of empirical and conceptual literature published between 2015 and 2025 to examine how engagement and motivation influence productivity within digital marketing environments. Using the Systematic Literature Review (SLR) method, ten peer-reviewed articles indexed in Scopus, ScienceDirect, and SpringerLink were analyzed to identify recurring patterns and conceptual linkages across studies. The review highlights that employee engagement serves as a mediating mechanism that bridges individual motivation and organizational outcomes. While digital tools enhance flexibility, autonomy, and data driven performance evaluation, they may simultaneously weaken interpersonal connections and blur work life boundaries. Motivation is shown to arise from the interaction between intrinsic drivers creativity, pride, and purpose and extrinsic supports such as equitable compensation, constructive feedback, and transparent leadership. The findings suggest that productivity in digital marketing hinges on a balanced integration of technological empowerment and human centered management. Organizations that combine innovation, trust based leadership, and a supportive culture are more likely to achieve sustained engagement and long-term performance in the digital era.
Merchant Loyalty and Digital Consumer Behavior in Data Driven Payment Ecosystems Sudadi Sudadi; Anggit Rumpoko; Amie Kusumawardhani
Integra Business Review Vol. 4 No. 1 (2026): June 2026
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-661

Abstract

This study conducts a Systematic Literature Review (SLR) to synthesize empirical and conceptual evidence on merchant and cashier behavior, operational experience, loyalty formation, and data-driven ecosystem strategies in digital payment environments. The review examines thirty peer-reviewed studies published between 2015 and 2025 to address three key questions: the determinants of frontline adoption, the mechanisms through which satisfaction and trust shape loyalty, and the emerging role of analytics in strengthening payment ecosystem performance. The analysis reveals that adoption is driven by perceived usefulness, ease of use, device reliability, and psychological readiness, while operational constraints such as network instability, limited digital skills, and inadequate support strongly influence day-to-day usage. Loyalty is formed through the interaction of system performance, satisfaction, trust, perceived value, and relational engagement with payment providers. Data-driven strategies including segmentation, churn prediction, and incentive personalization show substantial potential to enhance ecosystem sustainability, although practical implementation remains limited. The study consolidates previously fragmented insights into an integrated conceptual framework that explains how technological, behavioral, organizational, and analytics-based factors jointly influence merchant and cashier loyalty.
A Systematic Review of Digital Payment Transactions in Enhancing Third-Party Funds and Fee-Based Income Bram Agni Rustpaksi Pasopati; Ricky Elfianda; Harjum
Integra Business Review Vol. 4 No. 1 (2026): June 2026
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-666

Abstract

This systematic literature review examines the impact of digital payment merchant transactions on Third-Party Funds (DPK) growth and Fee-Based Income (FBI) within digital finance and investment innovation. Synthesizing findings from 35 national and international journals, the study highlights digital payment mechanisms' role in enhancing banking profitability and financial inclusion. Key factors influencing this relationship include technological infrastructure, consumer trust, and regulatory frameworks that foster innovation while managing risks. The review addresses challenges in risk management, emphasizing the need for adaptive policies and governance to mitigate cyber threats. Results underline the strategic importance of integrating digital payment systems to diversify income streams, optimize capital mobilization, and enhance operational efficiency. The study provides valuable insights for academics, financial practitioners, and policymakers aiming to promote sustainable growth through digital finance innovations. It bridges literature gaps and lays a foundation for future research on strengthening inclusive and resilient financial ecosystems.
Organizational Structure Change and Its Impact on Commercial Business Performance: A Case Study of Bank BRI Region 14 Hermawan Sutrisno; Harjum Muharam
Integra Business Review Vol. 4 No. 1 (2026): June 2026
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-676

Abstract

Organizational structure change is an inevitable phenomenon in the modern banking industry. The dynamics of the business environment, advances in digital technology, regulatory demands, and changes in customer behavior are the main factors driving organizational restructuring in this sector. This study aims to analyze the key causes of organizational structure changes in banking and to assess their impact on operational effectiveness, employee performance, and institutional competitiveness. The research method used is a qualitative approach through literature analysis and case studies of several national banks that have undergone organizational transformation. The results show that service digitalization, competitive pressure from fintech, and cost-efficiency policies have encouraged banks to shift from traditional hierarchical structures to flatter and more agile ones. The positive impacts include faster decision-making, improved operational efficiency, and enhanced service quality. However, these changes also create challenges such as role uncertainty, employee resistance, and the need to upgrade human resource competencies. In conclusion, the success of organizational structure change in banking greatly depends on transformational leadership, effective internal communication, and organizational culture readiness to face the digital era.
Digital Banking Transformation, Customer Trust, and Optimizing BRI Auction Website for NPLs Dwi Riyadi Susanto; Andi Evan Zulfiqar; Amie Kusumawardhani
Integra Business Review Vol. 4 No. 1 (2026): June 2026
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-684

Abstract

The digital transformation in the banking industry has brought fundamental changes to how financial institutions deliver services, build trust, and create value for customers. This article examines the relationship between digital banking transformation and the development of customer trust in the new economy era. The main focus of this study is the optimization of BRI's Info Lelang website as a digital platform for promoting collateral assets in resolving non-performing loans (NPLs). The research employs a descriptive qualitative approach through literature review and document analysis related to the implementation of digital banking services. The findings indicate that customer trust is built through three main aspects: information transparency, system security, and ease of service access. The optimization of the Info Lelang website strengthens BRI's image as an adaptive and transparent financial institution in managing digital assets. Overall, the implementation of digital innovations not only enhances operational efficiency and effectiveness but also contributes to increasing public trust in digital banking services in Indonesia.
Determinants of Generation Z Productivity as Marketing Officers at Bank Rakyat Indonesia Indra Lesmana; Dita Wulansari; Farida Indriani
Integra Business Review Vol. 4 No. 1 (2026): June 2026
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-694

Abstract

This study examines the determinants of work productivity among Generation Z marketing officers at Bank Rakyat Indonesia (BRI). The research focuses on the unique characteristics of Generation Z employees and the organizational conditions that shape their performance. Using a descriptive qualitative approach, the study integrates literature review findings with semi-structured interviews conducted with five marketing officers aged 22–27 years. The results show that intrinsic motivation, supportive leadership, performance-based rewards, and the integration of digital marketing technologies are the primary factors influencing productivity. These elements enhance work effectiveness, encourage employee engagement, and support the development of adaptive performance behavior. The study provides an overview of how productivity among young banking employees is shaped through motivational, managerial, and technological components within a modern organizational environment.

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