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This article discusses the transformation of international payments that continues to develop along with technological advances and increasing needs for efficiency, speed, and security in conducting cross-border transactions. This development is marked by the innovation of international payments with the existence of CBDC (Central Bank Digital Currency) and its integration with fintech, as a digital currency issued by the Central Bank. In this study, the research method used is a qualitative descriptive method. Where data can be obtained through informal group discussions, literature studies, and from various sources of information related to the transformation of international payments, CBDC, and the fintech ecosystem. The results of the study show that there has been a transformation of international payments that started from manual or cash transactions, until now it can carry out digital payment transactions using CBDC payment innovations. However, there are challenges or risks in using CBDC, namely related to data security and privacy, new financial technology regulations, changes in consumer behavior, and financial stability risks. This article is expected to provide insight for industry players to be able to utilize the potential of CBDC and fintech in building a more modern and sustainable international financial system.

With technological innovation in the financial sector (Fintech), the development of digital technology has brought great changes to the financial industry. However, behind these advantages, there are challenges that need to be overcome, one of which is data security and user privacy which is a major issue that must be faced by the financial industry. This study aims to see how regulations help the digital transformation of Indonesia's financial industry (fintech). This study is a qualitative research, in accordance with the object of study, this type of research falls into the category of library research.Regulation of the financial technology (fintech) sector is borne by many parties, including the government, non-governmental organisations, and industry players. In Indonesia, institutions such as the Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) are responsible for shaping fintech policies and regulations.Regulations serve as a strong foundation to drive digital transformation in the financial industry. Flexible and inventive regulations protect consumers and encourage profitable investments for industry players. A clear legal framework allows financial institutions to innovate and produce financial goods and services that better suit the needs of society.

This paper discusses the principle of bank secrecy as an important instrument in legal protection for customers, as well as its relevance in maintaining public trust in the banking sector in Indonesia. Based on the legal framework stipulated in Law Number 10 of 1998 concerning Banking and Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (PPSK), this study highlights the obligation of banks to protect customer data, including exceptional situations regulated by law. Normative legal research is used to analyze legal principles, laws and regulations, and related literature. The principle of bank secrecy is considered a pillar of customer trust and the main capital in the financial ecosystem. However, challenges arise when this principle conflicts with the interests of law enforcement, such as criminal investigations. The regulations strengthened by the PPSK Law provide a foundation for customer data protection while also regulating administrative and criminal sanctions for violations. On the other hand, the application of this principle also contributes to financial stability by increasing literacy and compliance with regulations. This paper recommends harmonization between the protection of customer privacy rights and the effectiveness of law enforcement to maintain the sustainability of trust in the banking sector.

This study examines the phenomenon of Central Bank Digital Currency (CBDC) as a technological innovation that changes the landscape of the global monetary system. In the midst of the rapid development of digital technology and cryptocurrencies, central banks in various countries are starting to consider and develop their own digital currencies. This study aims to comprehensively analyze the aspects of CBDC implementation, including its potential benefits, challenges, and impact on financial system stability and monetary policy. Through a descriptive qualitative approach with a literature study method, this study explores various dimensions of CBDC, including technological architecture, implementation models, and its socio-economic implications. The results of the study show that CBDCs have significant potential in improving the efficiency of the payment system, encouraging financial inclusion, and strengthening the transmission of monetary policy. However, its implementation also presents serious challenges related to data privacy, cybersecurity, and the stability of the banking system. This study makes an important contribution to a comprehensive understanding of CBDCs and their implications for the future of the global financial system.

In the era of artificial intelligence (AI), technology is growing rapidly and changing the way businesses are run. AI enables automation, big data analysis, and increased operational efficiency. However, this development also raises various ethical issues that companies need to pay attention to so as not to harm consumers, society, and the environment. This study explores the paradigm of artificial intelligence in the context of business ethics, focusing on its impacts, challenges, and potential benefits in the business world. This study uses a systematic literature review approach from various reputable sources. The article criteria include literature published from 2019 to 2024 with the theme of business ethics in the AI era, and other articles relevant to this study. Based on the search, 15 articles were determined that were relevant to the predetermined criteria. The results of the study found that in this study, AI is not only a technical tool to improve operational efficiency, but is also able to redefine business ethics in the modern era. AI offers great potential to overcome traditional ethical challenges and create new paradigms in business decision making. However, this opportunity is also accompanied by significant challenges, such as algorithmic bias, data privacy, and lack of regulation. This discussion will review the role of AI in business ethics, the benefits it brings, the challenges it faces, and the steps that can be taken to optimize the ethical use of AI.

This study aims to explore the potential application of artificial intelligence (AI) in financial accounting, especially in the financial reporting process. AI has the ability to improve efficiency, accuracy, and automation in financial data processing, as well as provide real-time information that supports strategic decision making. The research method used is a qualitative approach through literature studies and secondary data analysis from various relevant previous studies. The results of the study indicate that the application of AI in accounting can improve the efficiency and accuracy of the financial reporting process, while reducing human error. However, ethical and technical challenges such as data privacy and transparency in the use of AI are major concerns that must be addressed. The suggestions given in this study are the importance of improving the competence of accountants in the use of AI technology, implementing strict regulations to maintain data security and privacy, and continuous monitoring and evaluation of the use of AI in accounting. By utilizing AI optimally and responsibly, companies can gain great benefits in financial reporting while overcoming existing challenges.

DANA is one of the digital wallet service providersoperating in Indonesia since 2018. DANA isranked the third most frequently used digital wallet in Indonesia in 2022. This study aims to determine the effect of e-service quality on customer satisfaction in the DANA application by using the e-servqual dimension which consists of Efficiency, Fulfillment, Reliability, Privacy, Responsiveness, Compensation, and Contact, individually and also simultaneously on Customer Satisfaction of the DANA application. This research uses a quantitative approach that utilizes the survey method to collect data. This study uses an ordinal scale with a sample of 421 respondents with multiple linear regression methods and SPSS software, the results obtained partially the dimensions of Efficiency, Fulfillment, Privacy, Compensation, and Contact have a significant effect on customer satisfaction, while the dimensions of Reliability and Responsiveness do not have a significant effect. However, simultaneously the overall e-service quality has a significant influence on customer satisfaction of the DANA application.

In today’s era, social media has become a driving force for increasing digital entrepreneurship. Businesses are utilizing social media sites such as Instagram, TikTok, LinkedIn, or even Facebook to brand their companies or products and interact with clients. This is great news for businesses, especially SMEs, to have low-cost access to key markets worldwide. One evident trend is the emergence of social commerce – business-to-consumer commerce without intermediaries, exclusive of other e-commerce models. However, the adoption of social media in digital entrepreneurship comes with several challenges, such as changes in algorithms that can affect content visibility and risks related to data security and user privacy. Nevertheless, social media remains useful in terms of analytics to support strategic decisions. This study shows the value of social media for entrepreneurship and technologies that help improve content personalization and consumer behavior analysis, such as artificial intelligence and big data. This study attempts to fill the gap in the literature by looking at the differences in the outcomes of social media use in developing and developed countries and the outcomes of new technologies on digital business ventures.

This article discusses the importance of innovation in management control systems in the digital era. During the pandemic, significant shifts occurred in business, education, and public services, pushing organizations to adopt new technologies such as artificial intelligence (AI) and cloud computing to enhance efficiency and competitiveness. The article also addresses challenges companies face in managing cybersecurity risks, data privacy, and the need for robust regulations to protect personal information. Additionally, digital technologies like e-learning play a crucial role in facilitating the learning and personal development process, especially during the pandemic. Collaboration between sectors and nations is key to addressing these global challenges.

Community service activities through an early education program on understanding body privacy were conducted by students during the Student Work Program (KKM) at SDN Muncung 1 on August 22, 2024. This program was designed to enhance students' understanding of the importance of maintaining body privacy. The teaching methods employed included lectures, Q&A sessions, discussions, and visual media. This study used a qualitative analysis approach with primary data obtained from photo documentation and secondary data from literature reviews. Survey results showed a significant increase in students' understanding after participating in the activity. The results of this socialization indicate that the interactive approach applied in this program successfully raised awareness about the importance of maintaining body privacy among students and was effective in conveying the material on understanding body privacy. The conclusion of this study emphasizes the importance of using diverse teaching methods and active engagement in learning to create better privacy awareness among students.

This community service activity aims to improve public understanding of health data protection policies in digital health services. The rapid development of digital health platforms has increased the risk of misuse and leakage of personal health data. The method used includes educational outreach, interactive discussions, and evaluation of participants’ understanding before and after the activity. The results show a significant improvement in participants’ awareness and knowledge regarding the importance of protecting personal health data and understanding applicable regulations. This activity contributes to strengthening digital literacy and encouraging safer use of digital health services. Participants also gained a deeper understanding of relevant laws and the potential consequences of data breaches. By empowering individuals with the necessary knowledge, the activity aims to mitigate the risks associated with digital health services, thus promoting a culture of privacy and security. This community service initiative highlights the vital role of education in fostering a safer digital environment for healthcare and safeguarding sensitive personal information from potential threats.

In an era of rapid digital transformation, Indonesia faces major challenges in ensuring security, privacy and compliance are maintained. With increasing cyber threats in the country, BSSN and the Government must be more careful about potential large-scale security breaches and must prioritize building strong defense mechanisms to protect Indonesia's digital assets. Therefore, Cyber Security is the main pillar for the progress and sustainability of Indonesia's digital transformation. Then, legal provisions were issued in the form of Criminal Code Legislation and ITE Law no. 11 of 2008. The research method used in writing this article uses a qualitative method with a literature study approach. This research aims to provide an explanation regarding the compilation of national values originating from the 1945 Indonesian Constitution (UUD 1945) and the Unitary State of the Republic of Indonesia (NKRI) regarding security management. Specifically, this research examines the role of security management in dealing with cybercrime and strengthening digital defenses. It is hoped that the results of this research can be used as a reference for further research in increasing readers' insight and knowledge regarding the theme of this article.

Cyber Security for Higher Education Academic Information System (AIS) data is an increasingly important issue along with the increasing dependence of higher education on information technology. Students have their education data in the Academic Information System (AIS) which is owned by each campus. Campuses are obliged to give their students the right to privacy and the right to information. The right to privacy and limitations on the right to information include state protection of personal data. In this way, students have the right to receive protection for their personal data in the academic information system (AIS). This is regulated by the 1945 Constitution (UUD 1945) and the Personal Data Protection Law (UU PDP), which are an important foundation for regulations on data management and cyber security systems. This research uses a journal literature review method which aims to investigate the security threats faced by Academic Information System (AIS) data and to design effective protection strategies. The methods used include risk analysis, identification of system vulnerabilities, and development of appropriate security policies. The findings show that sensitive data such as student personal information and academic records are the main targets for attackers. Therefore, the need to implement security measures such as data encryption, use of double authentication, strict system monitoring, as well as training for information system users is very important. Through a policy analysis approach and literature study, this research aims to identify strategies and best practices in integrating national values into cyber security policies and practices. It is hoped that this research will provide an overview of the importance of national principles in terms of cyber security in higher education. It will also provide recommendations for institutions to improve academic information systems in accordance with the country's constitution.

The rapid spread of infectious diseases remains a major global health threat, and early detection is vital to minimize their impact. This research investigates the role of predictive modeling using big data in the early detection of infectious disease outbreaks. The primary objective of this study is to assess the effectiveness of big data systems in forecasting potential outbreaks and the implications of these forecasts for public health systems. The study employs machine learning-based predictive models to process large health datasets, including electronic health records, sensor data, and social media information. The results demonstrate that the predictive model achieved an accuracy rate of 87%, significantly surpassing traditional methods in terms of early detection. By integrating various data sources such as medical records, sensor networks, and real-time digital traces, the system is capable of providing more accurate, timely predictions, which can greatly improve the ability of public health authorities to respond effectively to emerging health threats. Furthermore, the application of big data in public health not only improves the speed of response but also enhances the allocation of resources, allowing for more targeted and efficient interventions. Despite these successes, challenges remain, particularly in relation to data quality, privacy, and regulatory issues, which could hinder the broader implementation of such systems. Thus, collaboration between government agencies, healthcare institutions, and technology developers is essential to overcome these obstacles and ensure the sustainable integration of big data into public health infrastructures. This research highlights the significant potential of big data to transform public health responses, offering valuable insights for future epidemic management strategies.  

Current information technology developments enable UMKM and creative endeavours to improve their business performance through the LCNC (Low-Code, No-code) Platform, as well as offer great potential for improving productivity and business development processes. The study aims to identify and analyze the impact of Privacy, Rapidity, Cost Reduction, Complexity Reduction, Easy Maintenance, Involment of Business Profile, and Minimalisation of Unstable on the performance of the Low-code No-code B-Pro Business Student application at Ngudi Waluyo University. The influence we want to know is whether it's direct or indirect. This type of research is quantitative, using 113 populations with purposive sampling techniques. The test tools used are statistical analysis methods of multivariate development of regression and path analysis. The results of this study showed that significant influence on the variables Rapidity and Involment of business profile significantly affected the performance of low-code no-code applications.

Digitalization of migration administration is a strategic step in increasing the efficiency and transparency of immigration and population management. This research aims to analyze the implementation of digital technology, such as the M-Paspor application, Immigration Management Information System (SIMKIM), and the Sobat Dukcapil platform, as well as the challenges faced in this process. Descriptive qualitative research methods were used by collecting data through literature studies, interviews and digital system observations. The research results show that digitalization has succeeded in speeding up administrative services, increasing the accuracy of biometric verification, and facilitating data integration. However, the main challenges include limited technological infrastructure, gaps in human resource competencies, resistance to change, and security and data privacy risks. The research conclusions emphasize the importance of multi-stakeholder commitment, increased infrastructure capacity, and clear regulations to ensure the sustainability of digital transformation. Digitalization has the potential to optimize public services, as long as it is accompanied by a holistic strategy to overcome technical, social and policy obstacles.

This research aims to provide a solution to the importance of literacy in the digital era, to explain the importance of literacy in the digital era in dealing with hoaxes or false information on social media as well as strategies for increasing literacy in the digital era. Hoaxes can have a very detrimental impact, both on individuals and society as a whole. Therefore, it is important for people to always check the veracity of information before sharing it or taking action based on that information. With digital literacy, people can understand and manage information spread on social media. The research method used is a qualitative method with a library research approach. The literature study method involves collecting data by understanding and studying theories from various literature that are relevant to the research subject. Literacy in this digital era is the key to overcoming various challenges. Digital literacy is important in dealing with hoaxes, including the ability to identify hoaxes, evaluate the authenticity of information sources, understand the context of information, use tools, question information, and maintain online privacy and security. Digital literacy helps individuals become more intelligent, critical and responsible in consuming and disseminating information in the digital world.

urrently, the implementation of IoT devices has been widely utilized by various parties in supporting the increasingly complex aspects of human life. IoT devices have become a favorite among hardware and software developers due to their ease of use and flexibility in adapting to the evolving systems of today. One of the uses of IoT is in the realm of digital economics, where digital economy represents a new way of prioritizing technology and ease in the buying and selling transaction process between sellers and buyers. In the past, payment processes for goods or services used to involve paper money and coins, but nowadays, payments are made using digital media. However, the current digital payment methods still rely on centralized storage technology. Therefore, if the data held at the center is damaged or compromised, it can disrupt the flow of financial transactions, and user data privacy becomes a subsequent concern. 

This research aims to understand the factors influencing demand for tax e-filing. Population as the object of the research is individual taxpayers in the city of Pati. Respondents taken for research through the 318 individual taxpayers. Technique data collection in this research using a questionnaire. The Statistical Package for the Social Science (SPSS) version 26 is used to assist the process of data analysis in this research. The conclusion of this research is that security and privacy has no effect on the use of e-filing, perceived satisfaction has a positive and significant effect on the use of e-filing, experience has a positive and significant effect on the use of e-filing, and knowledge has a positive and significant effect on the use of e-filing.

Advances in banking technology are currently very rapid, such as the emergence of digital payment methods. This digital method is enough to help humans,especially in terms of the economy, such as making transactions easier. The methodused in this research is descriptive qualitative analysis. The data collection technique in this study was by interviewing the issues discussed. This research discusses the perspective of generation Z on banking technology. The existence of banking technology certainly helps the efficiency of its users, because it can make it easier for users. Users of banking technology can certainly use it at any time without worrying about the privacy of personal data, because the service system is good and also maintains an image.