Jurnal Ilmu Ekonomi dan Bisnis

Digitalisasi Sistem Pembayaran dan Masa Depan Transaksi Keungan(Studi Pada Qris)

Gabriella Naomi Yaspis Siregar — 2025-07-01

The digital transformation of payment systems has changed how society conducts transactions. This study aims to examine the role of QRIS and digital wallets in modern payment systems and their implications for efficiency, security, and financial inclusion in Indonesia. Using a descriptive-qualitative approach based on literature review, this research analyzes Bank Indonesia's policies, payment technology developments, and key challenges such as cybersecurity and the digital divide. The findings show that digitalizing payment systems through QRIS and digital wallets enhances transaction speed and convenience, but requires adaptive regulations and cross-sector collaboration to build an inclusive and sustainable digital financial ecosystem

Peranan Peranan Cybersecurity Dalam Meningkatkan Ketahanan Bisnis Digital Terhadap Cybercrime

Herlina Bernadecka Sidauruk — 2025-07-17

Transformasi digital telah membawa perubahan signifikan dalam operasional bisnis, namun di sisi lain juga meningkatkan eksposur terhadap ancaman cybercrime yang semakin canggih. Penelitian ini bertujuan untuk menganalisis peran cybersecurity dalam meningkatkan ketahanan bisnis digital terhadap serangan siber. Dengan menggunakan metode analisis deskriptif, penelitian ini mengidentifikasi berbagai jenis ancaman cybercrime yang umum menyerang bisnis digital, seperti phishing, malware, ransomware, dan serangan DDoS, serta mengkaji strategi pencegahan dan mitigasi yang dapat diterapkan. Hasil kajian menunjukkan bahwa implementasi cybersecurity yang menyeluruh-meliputi perlindungan jaringan, aplikasi, cloud, dan informasi, didukung oleh kebijakan manajemen risiko dan peningkatan kesadaran sumber daya manusia-berperan penting dalam melindungi aset digital, menjaga kepercayaan pelanggan, dan memastikan kontinuitas bisnis. Studi ini juga menyoroti pentingnya kolaborasi antara pelaku bisnis, konsumen, dan regulator dalam membangun ekosistem digital yang aman dan tangguh. Diharapkan, temuan ini dapat menjadi acuan bagi pelaku bisnis digital dalam merancang strategi keamanan siber yang adaptif dan berkelanjutan di era digital.

Model Bisnis Start-Up Digital Di Era Ekonomi Digital

Meilany Putri Effendi — 2025-07-17

The development of information and communication technology has driven a major transformation in the global economic landscape, giving rise to the digital economy era, which demands adaptation and innovation across various sectors, including start-up businesses. This study aims to examine digital start-up business models emerging in the digital economy era, focusing on key elements such as value proposition, revenue structure, customer acquisition strategies, and the utilization of digital technologies. A qualitative approach is employed through literature reviews and case analyses of digital start-ups in various sectors, such as e-commerce, edutech, fintech, and healthtech. The findings indicate that adaptive, platform-based, and customer-centric business models are crucial for start-up success in this era. Furthermore, the ability to build digital ecosystems, establish strategic partnerships, and integrate data

as a core business asset are determining factors in creating sustainable competitive advantages. This study contributes to the understanding of digital business dynamics and offers practical insights for

entrepreneurs, investors, and policymakers in supporting the growth of start-ups in the

digital economy

Literatur Review : Analisis Strategi Pemasaran Digital Dalam Ruang Lingkup Umkm

Kevin Adrigo Siahaan — 2025-07-01

The development of digital technology has driven a significant transformation in marketing strategies, especially for Micro, Small and Medium Enterprises (UMKM). This study aims to analyze the effectiveness of the integration of three main approaches in digital marketing, namely influencer marketing, Search Engine Optimization (SEO), and personal content, in improving the competitiveness and sustainability of MSMEs. The method used is a literature review with a descriptive approach, which examines ten scientific articles published in 2019-2024. Data sources were collected through online scientific platforms such as Google Scholar and Research Rabbit, then systematically analyzed to identify patterns, strategies, and impacts of digital marketing implementation by MSME players.The study results show that social media, especially TikTok, Instagram, Facebook, and WhatsApp, are the main channels in reaching consumers and building engagement. Collaboration with micro-influencers is proven to increase brand credibility and expand market reach, while the application of SEO drives increased digital traffic and online visibility. Authentic personalized content also plays an important role in creating an emotional connection between MSMEs and consumers. However, challenges such as limited human resources, digital literacy, and content consistency still hinder the optimization of this strategy.Thus, the integration of the three approaches is considered effective in supporting the growth and sustainability of MSMEs in the digital era. Continuous support is needed in the form of training and mentoring so that MSME actors are able to implement digital marketing strategies optimally and with high competitiveness.

Literatur Review: Kontribusi Teknologi Finansial Terhadap Inklusi Keuangan Digital Di Era Ekonomi Digital

Ferdy Faith Christ Waruwu — 2025-07-01

The rapid development of financial technology (fintech) has become a key driver of transformation in the financial sector worldwide, particularly in promoting digital financial inclusion. Financial inclusion is a crucial component of sustainable economic development, as it provides access to formal financial services for underserved and unbanked populations. This study aims to examine and analyze findings from ten national and international scholarly journals published within the last five years (2020–2025) regarding the contribution of fintech to financial inclusion. A systematic literature review method is employed, focusing on how fintech enhances financial literacy, expands service outreach, and promotes efficiency and innovation in digital financial systems. The findings reveal that fintech consistently contributes positively to improving access to and quality of financial services, particularly among vulnerable populations and regions not yet served by traditional financial institutions. These findings highlight the urgency of formulating supportive policies that foster an inclusive and sustainable fintech ecosystem.

Digitalisasi Layanan Pendidikan Bisnis: Adaptasi Kampus dan Lembaga Pendidikan terhadap Educational Teknologi

Fiyasti Mawdatul Khairia — 2025-07-01

Digitalization has become the primary catalyst in transforming business education services in the era of information technology. This article explores how universities and educational institutions adapt to the development of educational technology to enhance both the quality of learning and operational efficiency. Employing a descriptive-qualitative approach based on various literature sources, this study highlights significant shifts in online learning systems, digital academic administration, and the integration of technology into the business education curriculum. The findings indicate that institutional adaptation and the role of educational entities in digitalization facilitate the delivery of more flexible, measurable, and industry-relevant educational services. Nevertheless, challenges such as the digital divide, human resource readiness, and the need for institutional policy frameworks continue to hinder the optimal use of educational technology. This study underscores the importance of inter-institutional collaboration in building a responsive and sustainable digital business education ecosystem