Publication Search

Financial technology (fintech) has become a major driver of transformation in the global banking sector, offering innovative solutions that not only enhance operational efficiency but also expand the reach and quality of financial services. This study aims to explore how international banks integrate fintech technologies into their business strategies to remain competitive in the ever-evolving global market. By analyzing data from various sources, including case studies of leading banks and academic literature, this study highlights the strategic and operational impacts of fintech adoption. The findings indicate that the implementation of fintech not only improves transaction efficiency and security but also opens new market opportunities and promotes global financial inclusion. However, this study also identifies several challenges in fintech implementation, such as complex regulations and cybersecurity threats, and provides recommendations for effective implementation strategies to overcome these barriers.

Cryptocurrency is a blockchain-based technology that is used for all activities so that it has the potential to increase state revenue, especially in terms of taxation. This study aims to determine the implementation of tax policies on Cryptocurrency transactions in Indonesia. This research uses descriptive qualitative methods using secondary and primary data. Secondary data is obtained through journals, books, and tax laws. Based on this research Cryptocurrency can be subject to income tax and value added tax. The results of this study indicate that the implementation of tax policies on crypto asset transactions in Indonesia has referred to the provisions as stated in PMK Number 68 / PMK.03 / 2022. However, there are still some weaknesses in the implementation of this tax policy on crypto asset transactions. In addition, in terms of supervision, it still only adheres to supervision of formal tax obligations. Therefore, supervision of the implementation of tax policies on crypto asset transactions still needs to be improved.    

Fintech is recognized as a crucial innovation in the financial industry and is growing rapidly in Indonesia, driven by the sharing economy, regulations, and information technology. Financial technology transforms the way financial services are accessed and managed, providing efficient solutions. Crowdfunding plays a vital role in supporting initiatives with online contributions. Blockchain, a distributed ledger technology, offers high security and transparency. This research employs a descriptive-analytical approach to investigate fintech development in Indonesia, highlighting growth, innovation, and blockchain implementation. From this research, the authors conclude that the development of Fintech in Indonesia, particularly in Crowdfunding and Blockchain, has a positive impact on the accessibility of financial services, investment innovation, and the prevention of accounting fraud, forming a solid foundation for sustainable growth in the modern financial ecosystem.

This study discusses the role of Land Deed Making Officials (PPAT) in the issuance of Electronic Land Certificates (e-Certificates) in Indonesia, as part of efforts to modernize land administration. The purpose of this research is to understand the contributions and challenges faced by PPAT in the implementation of e-Certificates. The research method used is qualitative descriptive with data collection through in-depth interviews and analysis of official documents. The results of the study show that PPAT has a vital role in maintaining the validity and security of land transactions through the creation of legal land deeds. The implementation of e-Certificates offers a variety of advantages, including higher efficiency, transparency, and better security of land documents through blockchain technology or digital signatures. However, there are several challenges in its implementation, such as the readiness of technological infrastructure, data security, and the limitation of human resources skilled in information technology. Cooperation and coordination between PPAT and the National Land Agency (BPN) is the key to ensuring the success of the issuance of e-Certificates. By understanding the roles and challenges faced by PPAT, this study provides recommendations for improving the process of issuing electronic land certificates and supports the government's efforts to improve more modern and efficient land services in Indonesia.

This study explores the significant role of digital trust and transparency in fostering customer loyalty in online banking services. As the financial sector increasingly shifts towards digital platforms, understanding the dynamics of customer retention becomes crucial for banking institutions. The research adopts a quantitative approach, using a survey questionnaire distributed to over 200 participants with experience in digital banking services. The findings reveal that both digital trust and transparency are pivotal in shaping customer loyalty. Specifically, digital transparency-in areas such as data security, privacy, and operational clarity-was found to have a stronger correlation with customer retention than trust alone. The study emphasizes that transparency not only boosts customer confidence but also strengthens long-term loyalty by reducing perceived risks and uncertainties. Additionally, the research highlights that customer engagement, driven by transparent communication and reliable services, plays a significant role in mediating the relationship between transparency and loyalty. The study further discusses the implications for banking institutions, suggesting that focusing on transparent practices, clear communication about security measures, and data usage can lead to enhanced customer satisfaction and long-term retention. Future research could investigate the impact of cultural differences on digital trust and transparency in banking, as well as explore the role of emerging technologies like blockchain in furthering transparency and trust in financial transactions.

In the ever-changing digital world, strong security protocols are essential. As a vital line of defence against unwanted access, blockchain uses several verification techniques to boost security. This article investigates the use of blockchain technology to tackle privacy, security, and usability issues. By reducing the dangers associated with conventional centralised systems, blockchain's decentralised and immutable structure offers a secure platform for storing and verifying authentication credentials. This method increases user trust by using smart contracts to guarantee transparent and unchangeable authentication procedures. The suggested blockchain-based method strengthens security and enhances privacy by removing sources of failure and decreasing dependence on outside verification. Furthermore, user-centric design and expedited procedures improve the system's usability by making secure authentication more approachable and less obtrusive. This paper offers a thorough examination of the suggested system, stressing its benefits, possible drawbacks, and directions for future investigation. The results indicate that blockchain technology presents a viable solution to ensure that digital authentication frameworks combine privacy, security, and usability.

The rapid advancement of Industrial Internet of Things (IIoT) technology necessitates robust authentication solutions to ensure security, scalability, and efficiency. This project, titled "Enhancing Security in Industrial IoT: Authentication Solutions Leveraging Blockchain," examines various blockchain-based authentication methods for IIoT and identifies their strengths and weaknesses. Despite the enhanced security and decentralized nature of blockchain, issues such as scalability, high latency, and computational load persist. To address these challenges, we propose the integration of Multi-Factor Authentication (MFA) as a supplementary solution. MFA can distribute the authentication load, enhance flexibility and security, and reduce latency by utilizing quick-to-verify factors. Moreover, MFA ensures high availability and scalable storage and processing through cloud services, seamlessly integrating with existing systems to provide a superior user experience. This comprehensive approach not only mitigates the inherent limitations of blockchain technology in IIoT but also reinforces the overall security framework, ensuring resilient and efficient authentication mechanisms. The results demonstrate significant improvements in system performance and user satisfaction, establishing MFA as a viable enhancement to blockchain-based IIoT security solutions.

The Internet of Things (IoT) phenomenon is centered around linking various devices and objects to the Internet, enabling them to communicate, collect, and exchange data [1]. The IoT needs strong, lightweight, and secure authorization schemes to regulate many devices with varying levels of ability. Quantum-resilient federated Multi-Factor Authentication (QRF-MFA) is a solution presented in this paper to address the above-discussed issues. Featuring quantum-resistant cryptographic protocols, high-speed and low-energy Physically Unclonable Functions (PUFs), decentralized identity management, and optimized communication protocols, QRF-MFA provides a complete solution for secure cross-domain device identification and authentication. This is done by leveraging blockchain technology for immutable and transparent management of identities yet limiting on-chain storage overhead. It also provides secure, lightweight communication well-suited for resource constrained IIoT devices, and it is designed for fog and edge computing environments as well. QRF-MFA eliminates the challenges of current methods by combining security, efficiency, and scalability and delivering a resilient and future-ready solution to secure IIoT authentication.  

With the rapid expansion of the Industrial Internet of Things (IIoT), integrating devices, machines, and systems to optimize operations and enable data-driven decision-making, ensuring robust security measures is essential. While blockchain has shown the potential to upgrade traditional authentication methods in IIoT environments, vulnerabilities persist. This paper introduces two innovative methods to enhance blockchain-based authentication in IIoT: first, integrating AI-driven anomaly and threat detection into the blockchain authentication scheme; second, implementing Ethereum smart contracts for enhanced authentication with a two-factor authentication (2FA) system and GFE algorithms. By combining AI for anomaly detection with decentralized smart contracts and blockchain-based 2FA, and leveraging GFE algorithms to enhance blockchain capabilities, the proposed scheme aims to significantly fortify security measures. This integration offers a resilient defense against evolving threats, ensuring transparency, adaptability, and heightened security in IIoT applications.

The Industrial Internet of Things (IIoT) enhances the connectivity and efficiency of living lifestyles. However, it also comes with significant security vulnerabilities. Traditional authentication methods are often inadequate, leading to IIoT devices opened to security threats. This paper proposes a comprehensive security framework integrating blockchain, cryptographic techniques, smart contracts, and deep learning-based Intrusion Detection Systems (IDS) to tackle the mentioned issue. Blockchain ensures data integrity and prevents tampering through a decentralized ledger. A decentralized device identity management system enhances user verification, while secure communication protocols using Hash-based Message Authentication Codes (HMAC) safeguard data integrity. Smart contracts automate transactions, providing transparent, secure record-keeping without a central authority. The deep learning-based IDS, utilizing Contractive Sparse Autoencoder (CSAE) and Attention-Based Bidirectional Long Short-Term Memory (ABiLSTM) networks, effectively detects cyber threats. Evaluation metrics, including precision, recall, F1-score, and False Acceptance Rate (FAR), demonstrate high accuracy and low false alarm rates across datasets. This framework addresses the need for secure, efficient, and scalable authentication in IIoT, combining blockchain's security features with advanced cryptographic and anomaly detection techniques, offering robust defence against cyber threats.

The Industrial Internet of Things (IIoT) has revolutionized industrial processes, offering automation and data-driven decision-making. However, this interconnectedness brings new security challenges, especially in crucial infrastructure sectors. Traditional security measures are inadequate, leading to the exploration of innovative solutions. Blockchain technology has emerged as a promising solution due to its decentralized and immutable nature. This paper proposes a Hybrid Blockchain-Based Authentication Mechanism for IIoT, combining Delegated Proof of Stake (DPoS) and Elliptic Curve Cryptography (ECC). The hybrid architecture utilizes public and private blockchains to ensure scalability, efficiency, and security. Lightweight consensus algorithms, DPoS, are incorporated to optimize performance, while ECC provides efficient cryptographic techniques suitable for IIoT environments. An interoperable framework facilitates seamless integration with existing infrastructure, ensuring regulatory compliance and compatibility. Decentralized identity management further enhances security and privacy. Results and analysis demonstrate the effectiveness of the proposed solution, positioning hybrid blockchain architecture as the most suitable approach for enhancing security in IIoT environments.

The Industrial Internet of Things (IIoT) faces various challenges in ensuring secure communication, authentication, and data integrity due to its distributed nature and evolving threat landscape. To address these issues, this paper proposes the integration of blockchain authentication as a robust solution to enhance security and reliability in IIoT networks. By leveraging Federated Learning with blockchain technology, the proposed solution aims to improve authentication mechanisms by training models across multiple edge devices, increasing fault tolerance, and adaptability while reducing the risk of single points of failure. The use of blockchain technology ensures a tamper-proof and transparent ledger for securely storing authentication data and model updates, enhancing security and integrity in IIoT networks. The results and analysis demonstrate that the integration of Federated Learning and blockchain technology effectively addresses interoperability issues, performance optimization concerns, and security vulnerabilities within IIoT networks, offering a more efficient, secure, and scalable authentication alternative.

This paper proposes Blockchain-Enhanced Multi-Factor Authentication (BEMFA) to address the limitations of existing authentication mechanisms in the Industrial Internet of Things (IIoT). BEMFA combines multi-factor authentication (MFA) with blockchain technology to ensure robust, scalable, and tamper-resistant security tailored to IIoT environments. This method dynamically manages roles and permissions, detects malicious devices, and ensures data integrity and authenticity. Our results demonstrate that BEMFA significantly enhances security, addressing critical access control challenges and mitigating risks posed by malicious devices while maintaining data integrity.

Teknologi blockchain menawarkan solusi inovatif untuk meningkatkan transparansi, efisiensi, dan keamanan dalam sektor pertanian. Penelitian ini mengkaji potensi dan tantangan implementasi teknologi blockchain di sektor pertanian melalui meta-analisis sepuluh jurnal. Hasil penelitian menunjukkan bahwa blockchain dapat memfasilitasi pelacakan produk secara real-time, mengurangi penipuan, dan meningkatkan manajemen persediaan. Studi kasus pada rantai pasok produk organik mengungkapkan bahwa blockchain memungkinkan konsumen memverifikasi asal produk, meningkatkan kepercayaan, dan membantu petani mendapatkan harga yang lebih baik. Integrasi blockchain dengan Internet of Things (IoT) dan kecerdasan buatan (AI) juga menunjukkan potensi besar dalam meningkatkan produktivitas dan efisiensi. Namun, tantangan utama seperti kurangnya pengetahuan petani dan biaya implementasi yang tinggi perlu diatasi melalui pelatihan, dukungan teknis, dan kolaborasi antara pemerintah, lembaga pendidikan, dan sektor swasta. Proyek percontohan di beberapa wilayah menunjukkan keberhasilan awal, dan pengembangan lebih lanjut akan meningkatkan adopsi teknologi ini. Kesimpulannya, dengan dukungan yang tepat, blockchain memiliki potensi untuk merevolusi sektor pertanian, meningkatkan kesejahteraan petani, dan menjamin kualitas produk bagi konsumen. Implementasi yang sistematis dan kolaboratif akan memastikan bahwa teknologi ini dapat memberikan manfaat jangka panjang bagi seluruh pemangku kepentingan dalam rantai pasok pertanian.

The paper evaluates potential applications of blockchain technology in enhancing the security and reliability of Wireless Sensor Networks (WSNs). The existing vulnerabilities in WSNs, such as concerns regarding data integrity and security, demand innovative security solutions. Through systematic analysis, this paper provides valuable insights to expand understanding of WSNs security, explaining the feasibility and benefits of deploying blockchain technology. Possible attacks in the networks are classified to point out either risks or potential solusions to protect the networks. By exploring the integration of Blockchain within WSNs, the paper highlights its potential to minimize various security risks. In addition, this work discusses the challenges and considerations associated with implementing Blockchain in WSNs. Overall, this paper contributes on securing WSNs and underscores the role of blockchain technology as a promising way for enhancing security of WSNs.

This article explores the application of blockchain technology to enhance ethical operations in the food industry. Blockchain is viewed as a potential solution for improving transparency, accountability, and efficiency in the food supply chain. This technology enables the recording of transactions that are immutable and publicly verifiable, reducing the likelihood of fraud and product contamination. Additionally, blockchain can support compliance with ethical and sustainability standards, helping companies build trust with consumers. The study suggests that further research is needed to explore various aspects of blockchain application in the food industry, such as sustainable finance, digital forensics, and supply chain management. However, the article is limited by its focus on bibliometric analysis and lacks empirical data on blockchain implementation in the food industry. Future research should combine theoretical and practical approaches to provide a comprehensive view of blockchain's use in ethical and sustainable business operations.  

Teknologi blockchain telah menarik perhatian dalam berbagai industri karena potensinya untuk merevolusi proses bisnis. Artikel ini menganalisis implementasi blockchain dalam bidang keuangan dan akuntansi, serta implikasinya bagi masa depan akuntansi. Di dalamnya dibahas manfaat dan tantangan adopsi blockchain, termasuk pengurangan biaya audit, peningkatan kepercayaan, automasi proses, serta masalah privasi dan keamanan data. Melalui literatur dan penelitian, artikel ini menyimpulkan bahwa meskipun terdapat tantangan, blockchain memiliki potensi besar untuk meningkatkan efisiensi, transparansi, dan akurasi dalam praktik akuntansi.

This study explains the using innovative technologies in the process of teaching maritime English. English is always important in Maritime, especially in using innovative technologies such as: robotic technology, Artificial Intelligence (AI), networked sensors, advanced monitoring system, and blockchain technology. In teaching Maritime English, the maritime sector needs English as a language in communication medium to promote understanding between the teachers and students. The Maritime Communication Program helps maritime industry professionals to communicate better in English and across cultures. Through a research approach qualitative descriptive, to get the innovative technologies in teaching Maritime English. By using the theory of Standards of Training, Certification and Watchkeeping for Seafarers (STCW). The results in this study are developed business English course for the shipping industry and other maritime sectors, help professionals with different nationalities and cultural backgrounds communicate effectively and with ease. This is imminent for safety reasons, but it also supports companies that employ people from all over the world maintain main quality standards in a very dynamic and competitive environment.

In today's digital age, the integration of business management principles with computer science and technology has become increasingly vital for organizations seeking sustainable growth and competitive advantage. This study delves into the multifaceted relationship between business management and computer science, exploring integration strategies, challenges, and the resultant implications. The objective of this research is to comprehensively analyze the integration of business management and computer science, shedding light on effective strategies, potential challenges, and the overall impact on organizational performance and innovation. This study adopts a library research approach, encompassing a thorough review of existing literature, scholarly articles, case studies, and industry reports. Information is gathered from reputable databases such as PubMed, IEEE Xplore, ACM Digital Library, and Google Scholar. The collected data are analyzed qualitatively to identify patterns, trends, and insights into the integration of business management and computer science. The findings of this research highlight various integration strategies employed by organizations to leverage computer science and technology for enhancing business management practices. These strategies encompass the adoption of data analytics, artificial intelligence, machine learning, blockchain, and other emerging technologies to streamline operations, optimize decision-making processes, and gain competitive advantage. Moreover, the study identifies challenges associated with integration, including data security concerns, skills gap, resistance to change, and ethical implications. Despite these challenges, successful integration initiatives have demonstrated significant improvements in organizational efficiency, innovation capability, and market positioning

This article discusses the Industrial Revolution 4.0 and how it impacts the world economy and society. Explains how new technologies such as artificial intelligence, blockchain technology, and the Internet of Things (IoT) have changed manufacturing systems, business operations, and human-machine interactions. Apart from that, it also discusses the social impacts arising from the Industrial Revolution 4.0 and how technological advances have influenced workplace relationships, social relationships and society in general. In addition, this paper discusses the future of education and labor in the Industrial Revolution 4.0 era. The aim is to provide readers with a broad understanding of the Industrial Revolution 4.0 and understand its deep implications, as well as consider the challenges and opportunities that lie ahead.