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This study aims to analyze the influence of digital financial literacy and digital financial inclusion on the economic sustainability of rural micro-entrepreneurs in Deli Serdang Regency, Indonesia. The rapid development of digital financial services offers new opportunities for rural MSMEs to improve transaction efficiency and expand market access. However, the optimal utilization of these services remains limited due to uneven levels of literacy and digital access. This research employs an explanatory quantitative approach using Structural Equation Modeling–Partial Least Squares (SEM-PLS), based on survey data collected from rural business actors who have used at least one digital financial service. The findings indicate a very strong predictive accuracy of the model, with an R-Square value of 0.945 for economic sustainability. Digital financial literacy has a positive and significant effect on digital financial inclusion (β = 0.273; p = 0.001) and on economic sustainability (β = 0.235; p = 0.000). Digital financial inclusion also positively and significantly influences economic sustainability (β = 0.398; p = 0.000). These results demonstrate that improved digital literacy and wider use of services such as e-wallets, QRIS, and mobile banking enhance business resilience and expand economic opportunities for rural MSMEs. Overall, the study underscores the importance of strengthening digital capacities and expanding access to digital financial services as key strategies for advancing inclusive and sustainable rural economic development.

This study aims to analyze the role of information technology systems in enhancing operational efficiency in modern Islamic banks. The implementation of information technology is considered essential for accelerating services, improving data accuracy, reducing administrative costs, and expanding the reach of digital financial services in the Islamic banking sector. This research employs a qualitative approach to explore processes, experiences, and the application of digital services in several Islamic banks that have implemented mobile banking, internet banking, and IT-based internal management systems. The findings reveal that information technology significantly improves operational efficiency and effectiveness through transaction digitalization, administrative process automation, mobile banking utilization, e-procurement systems, integration of digital payment features, and the adoption of fintech solutions. Information technology also strengthens data security and enhances service quality for customers. However, its implementation presents challenges such as cybersecurity risks, infrastructure readiness, human resource competence, and compliance with Sharia principles. Overall, the application of information technology systems contributes substantially to improving efficiency, productivity, and competitiveness in modern Islamic banking.

The rapid development of digital technology demands that Islamic banks innovate to compete with conventional banks and digital financial institutions. This study aims to analyze the product differentiation strategies implemented by Islamic banks to increase competitiveness in the digital era. The research method used is a descriptive qualitative approach, with data collected through literature studies, interviews, and observations of Islamic banks' digital services. The results indicate that product differentiation strategies are implemented through the development of digital services based on Sharia principles, improving the quality of mobile banking services, and creating innovative products that meet the needs of millennials and digital natives. Furthermore, the application of the values of transparency, fairness, and sustainability serves as a competitive advantage that distinguishes Islamic banks from conventional competitors. In conclusion, the success of product differentiation in the digital era depends on the ability of Islamic banks to integrate technological innovation with Sharia values, thereby increasing customer trust and loyalty and strengthening their competitive position in the digital financial industry.

The development of Islamic banking in Indonesia faces challenges in attracting customers, especially younger generations who are more familiar with digital technology. Digital marketing has become an important strategy for reaching a wider market segment through social media, websites, and mobile applications. This study uses a literature review method to analyze the effectiveness of digital marketing in increasing customer interest in Islamic banking. The results of the study show that educational, interactive, and transparent digital marketing can increase customer awareness, trust, and emotional attachment to Islamic products. The factors for the success of this strategy include content quality, ease of access to digital services, content segmentation according to customer profiles, and multichannel communication integration. However, the effectiveness of digital marketing is still limited by the scarcity of educational content, human resource capacity, and the level of digital literacy among the public. This study concludes that optimizing creative, personalized, and educational digital marketing strategies is key for Islamic banking to increase customer interest and loyalty.

This study aims to describe how the use of Islamic banking services contributes to enhancing shariah financial inclusion among students of Universitas Muhammadiyah Makassar. The research employed a qualitative descriptive approach involving eight student informants from various faculties selected through purposive sampling. Data were collected through in-depth interviews, non-participant observations, and documentation during May-July 2025. Data analysis followed the stages of reduction, presentation, and conclusion drawing in an interactive manner. The findings indicate that most students understand the basic principles of Islamic finance (prohibition of riba, profit-sharing, clarity of contracts, and transparency), although financial literacy is not evenly distributed. Experiences in using Islamic banking services were generally positive, with account opening procedures and contractual clarity being well appreciated.

This study aims to analyze the digitalization strategies implemented by Islamic banks to increase public interest in Sharia savings products. The research focuses on the use of digital technologies such as mobile banking, Islamic fintech, big data, and social media as key instruments to enhance service accessibility and strengthen customer trust. A qualitative descriptive method with a literature-based approach was employed by collecting and examining relevant academic sources. The data were analyzed using thematic analysis to identify patterns and relationships between digitalization and customer interest in Sharia savings. The findings indicate that digitalization enhances service accessibility, operational efficiency, and personalized user experiences. Mobile banking plays a dominant role in improving transaction convenience, while social media contributes significantly to customer education and product promotion. Furthermore, collaboration with Islamic fintech supports financial inclusion and encourages innovation aligned with Sharia principles. The results confirm that digitalization is a strategic driver for Islamic banks to remain competitive and relevant within the evolving financial industry landscape.

The development of digital technology has brought significant changes to the banking industry, particularly through the implementation of internet banking and mobile banking services that aim to support financial inclusion. In addition, corporate concern for social aspects through corporate social responsibility (CSR) spending has also become an essential factor in ensuring business sustainability and increasing public trust. This study aims to analyze the effect of internet banking, mobile banking, and CSR expenses on the financial performance of banking institutions. The research population consisted of banking companies listed on the Indonesia Stock Exchange (IDX) during the 2018–2022 period, with a total sample of 55 companies that met the data completeness criteria. The analysis method employed was multiple linear regression to determine the relationship and influence of the independent variables on financial performance as the dependent variable. The results show that internet banking has a significant positive effect on financial performance, indicating that the more optimal the use of internet banking services, the better the financial performance of banks. Similarly, CSR expenses also have a positive effect on financial performance, suggesting that effective and efficient allocation of CSR funds provides benefits not only for society but also for the long-term sustainability of the banks. On the other hand, mobile banking does not have a significant effect on financial performance, implying the need for improving service quality, enhancing technological features, and strengthening digital literacy so that mobile banking can contribute more effectively to banking performance. Therefore, the findings highlight the importance of digital innovation and integrated socio-economic strategies to strengthen the sustainability and competitiveness of the banking sector in Indonesia.

This study aims to examine the influence of perceptions of security and lifestyle on the interest of Sriwijaya State Polytechnic students in using mobile banking services. The rapid development of digital technology has brought significant changes in various aspects of life, including the banking sector. Mobile banking is now one of the main choices for people because it offers convenience, flexibility, and time efficiency in conducting financial transactions. However, the level of adoption of this service is not solely determined by the availability of technology, but also by the extent to which users feel the system is secure and fits their lifestyle. This study used a quantitative approach with a survey method. Data were collected from 100 respondents who were students of Sriwijaya State Polytechnic through an incidental sampling technique. Data analysis was performed using multiple linear regression with the help of SPSS software version 26.0. The independent variables in this study were perceptions of security and lifestyle, while the dependent variable was interest in using mobile banking. The results showed that both perceptions of security and lifestyle have a significant influence on students' interest in using mobile banking, both partially and simultaneously. Together, these two variables contributed 63.3% to the variation in interest in using mobile banking. This indicates that the higher students' perceptions of service security and the more relevant the service is to their lifestyle, the greater their tendency to actively use mobile banking. This finding is important for banks in formulating strategies to increase mobile banking adoption, especially among students, a potential digital generation.

This study aims to analyze the influence of financial literacy, financial technology, and financial management on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Gresik Regency. The background of this study is based on the importance of strengthening the financial aspects of MSMEs as a foundation in facing the challenges of competition and economic uncertainty. The method used is a quantitative approach by distributing structured questionnaires to 96 MSMEs selected through a purposive sampling technique. The collected data were then analyzed using SPSS version 26 software to examine the relationships and influences between variables. The results show that financial literacy has a positive and significant influence on the financial performance of MSMEs. This means that the higher the level of understanding of MSMEs regarding financial management, the better the financial performance achieved. Similarly, the use of financial technology has also been shown to have a significant positive effect. The use of digital financial services such as mobile banking, e-wallets, and digital bookkeeping applications can help MSMEs simplify transactions, financial recording, and access to financing, which ultimately improves efficiency and business results. Meanwhile, the financial management variable shows a moderate influence on financial performance. This indicates that financial planning, recording, and control practices in some MSMEs are still suboptimal and need to be improved to contribute more significantly to business performance. Overall, these findings underscore the importance of improving financial literacy and adopting financial technology as key strategies for strengthening MSME performance. This research provides practical recommendations for MSMEs and stakeholders to enhance their financial management capacity to encourage sustainable business growth in the digital era.

Currently the banking sector provides product services in the form of electronic banking for customers, one of which is mobile banking. Mobile banking is a banking service that allows customers to make various financial transactions through mobile devices, such as smartphones or tablets. This study aims to examine the influence of ease of use, security, and reliability on the use of mobile banking among the people of Palopo city. Data was collected using a questionnaire that was distributed online to respondents. This study uses a quantitative method. The sample was taken using the purposive sampling technique with a total of 105 respondents collected. To process the data in this study, the Statistical Package for Social Science (SPSS) program is used. The results of this study show that ease of use, security, and reliability have a significant effect on the use of mobile banking.

This research analyzes the implementation of the 7P marketing mix framework—comprising product, price, place, promotion, people, process, and physical evidence—at Bank Syariah Indonesia (BSI) to attract consumer interest in adopting sharia-compliant savings products within an increasingly volatile banking environment. Amidst accelerating retail competition following consolidated structural expansions, the main objective of this study is to trace the relationship between strategic structural integration and retail consumer acquisition dynamics. The methodology incorporates a qualitative case study paradigm operating primarily through continuous field observations at physical institutional touchpoints combined with an extensive evaluation of web-based portal data and corporate disclosures. The key findings reveal that the proactive orchestration of zero-administration deposit schemes, transparent sharia-compliant pricing margins, broad multi-channel distribution, targeted digital netnography campaigns, and highly optimized automated mobile routing systems collectively acts as a core catalyst for amplifying consumer market trust and broadening retail account portfolios. The study concludes that the seamless integration of digital service architectures with traditional branch infrastructures under sharia tenets remains vital for maintaining structural growth and securing long-term institutional presence in competitive regional commercial banking fields.

Financial inclusion is an important pillar in equitable economic development, especially in Indonesia with a majority Muslim population. However, the contribution of Islamic financial institutions (LKS) to national financial inclusion is still low due to limited innovation, access, and public literacy about Islamic finance. This study aims to analyze the role of LKS innovation in accelerating financial inclusion in Indonesia. The research method uses a descriptive qualitative approach with literature studies and secondary data analysis from various related reports and publications. The results show that service digitalization, product diversification, and strengthening the halal ecosystem are the main strategies of LKS innovation. Digital innovations such as sharia mobile banking, fintech, as well as microfinance services and the halal sector have proven effective in expanding access to Islamic finance, especially for MSMEs and communities in remote areas. Synergy between the government, regulators, and industry players is needed to create an inclusive and sustainable Islamic financial ecosystem. The implications of this study emphasize the importance of continuous innovation and Islamic financial literacy education to increase the role of LKS in supporting national economic growth based on Islamic values.

Financial innovation plays a crucial role in increasing people's access to economic services, especially in the ever-evolving digital era. Through various forms of innovation such as digital financial services, fintech, mobile banking, and electronic payment systems, people, including those in remote areas—have made it easier to reach banking, investment, and financing services. These innovations help overcome various conventional barriers, such as limited physical infrastructure, high transaction costs, and the unaffordability of formal financial services. In addition, the presence of financial technology also expands financial inclusion by providing products and services that are more flexible, cheap, and easily accessible through mobile devices. This not only encourages local economic growth, but also empowers micro, small, and medium enterprises (MSMEs) to develop their businesses. However, challenges remain, such as the need for financial literacy, consumer data protection, and adequate regulatory oversight. Therefore, synergy between the government, financial institutions, technology providers, and the community is important to ensure that financial innovation can be utilized optimally and sustainably in promoting inclusive economic prosperity. Financial innovation is not just a technological advancement, but a strategic solution towards economic justice.

Digital payment, also referred to as digital payment, is a type of payment that uses electronic media such as SMS banking, internet banking, mobile banking, and electronic wallets. According to McLeod, electronic commerce, also called e-commerce, is the use of communication networks and computers to carry out business processes. This study aims to analyze the latest trends in digital payments in e-commerce, factors that influence digital payments, the impact of using digital payments , and analysis related to the advantages and challenges faced by businesspeople in implementing digital payment systems. The study was conducted through a descriptive qualitative approach with a literature study design. Businesses gain many benefits from digital payments, such as efficiency and better customer experience. To improve customer experience and drive sustainable growth, businesses can implement strategies such as education and training, development of technology infrastructure, diversification of payment methods, increased security, loyalty and incentive programs, data analysis, and collaboration with payment service providers.

This study uses a qualitative method with a case study approach to analyze the marketing strategies employed by Bank Syariah Indonesia (BSI) in increasing market share through the utilization of information technology. In the rapidly evolving digital era, the use of information technology has become a crucial factor for Islamic financial institutions to reach a wider customer base and provide more effective and efficient services. This study examines how BSI integrates digital technology into its marketing strategies, including the use of online platforms, mobile banking applications, and social media for product education and promotion. The findings reveal that the utilization of information technology not only improves service accessibility but also strengthens customer relationships through more personal and responsive interactions. This strategy contributes to increased customer loyalty and expands BSI’s market share amid competition in the Islamic banking industry. This study provides valuable insights for developing digital marketing in the Islamic financial sector that is adaptive to technological advancements.  

This study examines the payment practices for haircut services at the Ma’had Al-Zaytun Barbershop through the lens of al-maslahah theory. Employing a qualitative field‐research design, data were collected via observation, in-depth interviews, and documentation analysis. Findings reveal a centralized payment system handled at the Al-Zaytun Store, accommodating both cash and cashless transactions. Cashless payments are processed by deducting students’ savings or via mobile banking for the general clientele. Classified as ḥājiyyah maslahah, this system facilitates financial record-keeping and offers flexible payment options. It also attains the ḍarūriyyah level by preventing losses and safeguarding the barbershop’s assets. The provision of receipts and precise financial reporting embodies the principles of justice, clarity, honesty, and social welfare. Nevertheless, the absence of a written policy on receipt validity may generate misunderstandings and weaken these principles. Overall, the payment practice aligns with the objectives of maqāṣid al-sharīʿah, particularly the protection of wealth (ḥifẓ al-māl).

This research aims to determine and analyze the influence of Mobile banking, Internet banking, digital transformation of financial performance in banking companies listed on the IDX for 2019-2023. The sample size was set at 5 banking companies with observation data from 2019 to 2023. The type of data used is secondary data in the form of panel data. The data analysis technique used is multiple linear regression with the Eviews application. The results of this research show that Mobile banking, Internet  Banking and digital transformation simultaneously influences financial performance; Mobile banking partially has a positive and significant effect on financial performance; Internet  Banking partially has a positive but not significant effect on financial performance; Digital transformation partially has a positive but not significant effect on financial performance. It is hoped that companies can implement and improve information technology infrastructure in services digital banking and can be implemented by banking companies to improve company performance.

This study aims to determine how satisfied people are in using the Action Link application which is a mobile banking owned by Bank Aceh Syariah. The growth of technology that continues to increase from year to year so that this can have an impact on society. Technology has developed rapidly and is increasingly modern, many companies are developing performance in the information sector so that people are adopted in using online services via smartphones such as the Action service (Aceh Online Transaction) at Bank Aceh Syariah. This study uses descriptive analysis as a research approach that uses qualitative research. The technique used in this study is to conduct interviews with customers and distribute questionnaires to users of the Action application. The results of the study show that M-Banking Action makes it very easy for customers to make transactions, but there are some shortcomings in the application because there are no complete features. The quality of service also certainly has an impact on customer perceptions in using the application so that customers are still less confident in using Action if the service provided is bad and there are still those who feel less safe in using it.

This study aims to analyze the implementation of the Betang Mobile application as an innovation in welfare services for MSME partners at PT. Bank Pembangunan Kalimantan Tengah. The study uses a qualitative approach with in-depth interviews and document analysis to explore the experiences and perspectives of various stakeholders involved, including MSME customers, customer service, and bank management. The research method applied is a case study with an innovation diffusion theory approach as proposed by Everett M. Rogers (1995). In this study, five key characteristics of innovation diffusion relative advantage, compatibility, complexity, trialability, and observability are used to evaluate the impact and acceptance of the Betang Mobile application among MSME partners. Data collected from interviews with informants, including MSME customers and customer service, indicate that 75% of MSME players feel the application enhances service access, while 85% of users find the application compatible with their needs. The findings show that the Betang Mobile application has provided benefits in terms of efficiency and ease of access for MSME partners. About 40% of users report increased satisfaction, and 82% consider the application more efficient compared to traditional methods. Challenges include the adoption of technology by older MSME players and those in remote areas. Based on these findings, the study recommends that Bank Pembangunan Kalimantan Tengah focus on digital education for MSME partners, strengthen data security systems, and consistently update features to maintain the application's relevance. In conclusion, the Betang Mobile application has proven to make a positive contribution to the welfare services of MSME partners, with visible impacts on the accessibility and efficiency of banking services. To enhance the effectiveness of this application, it is recommended that Bank Pembangunan Kalimantan Tengah address challenges related to technology adoption and data security, as well as conduct regular evaluations of the application's features to keep them aligned with evolving user needs.

This study aims to evaluate the QRIS management program for new users of Bale by BTN Mobile at Bank BTN KCP Ketintang, especially in the distribution of Surabaya University student identification cards and customer service. The method applied is descriptive qualitative with data collection through interviews, in-depth observations, and documentation. There are four informant subjects related to this research, namely new customers, business people, customer service, and funding parties of Bank BTN KCP Ketintang, selected to obtain an in-depth understanding of the effectiveness of the program. The results showed an increase in the use of QRIS among new users of Bale by BTN. Through the cashback program, customers can use QRIS regularly. However, the use of technology and online systems in this program still faces challenges, especially related to technical problems that often arise in Bale by BTN mobile banking, which can hinder the smooth activation process.