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Measuring SMM Effectiveness and Comparing Customer Engagement on Facebook and Instagram: The Case Study of Ngopi UK in Birmingham. The Impact of Exchange Rate Hedging on Firm Value: Case of Indonesia's Listed Manufacturing Companies. Economic Feasibility Study of Fish Processing Factory in PT XYZ PDF Intan Alfiyyah Fauzi, Mandra Lazuardi Kitri.
Investment analysis for the largest heavy oil field in Indonesia under Indonesia's gross split production sharing contract. Factors Affecting the Adoption of Digital Banking Services in Indonesia PDF Geraldo Kiliari, Deddy Priatmodjo Koesrindartoto. Feasibility Study of Garment Manufacturer of UD Sony Konveksi PDF Wyalapuspa Zakiy Kumaralitha, Mandra Lazuardi Kitri.
Valuation for an acquisition of an oil and gas company in Indonesia PDF Muhammad Iqbal Sudirman, Kin Tjendrasa. I see it, I buy it, I regret it: a study of online regret symptoms after purchasing fashion products. Exploring Customer Motivation to Join a Fitness Center: A Case Study of Celebrity Fitness Paris van Java.
Corporate Accelerator: A Proposed Implementation of an Open Innovation Model for Startup and Industrial Partnership in Indonesia. An explanatory study of cosmetics purchase intention attributes: A study on an Indonesian local cosmetic brand in Jakarta and Bandung. The yin and yang characteristics of leadership: Preliminary insights from cross-ethnic research in Indonesia.
Managing waste level of fresh food materials: A case study of Fast food restaurant in Bandung. Social Enterprise Strategy to Empower Business of Underprivileged Family through Incubation Program for Sustainability in Indonesia. Aang Noviyana Umbara, Liane Okdinawati, Eko Agus Prasetio SWOT-TOWS Analysis of Commercialization Products in Clusters: A Preliminary Case Study.
Comparison of Pre-Revenue Startup Valuation Methods Case Study: Kubu PDF Anisa Anisa Eka Destiyana, Taufik Faturohman. Identifier for Influencing the Intention to Adopt Blockchain Technology: In Financial Services Perspective in Indonesia.
THE IMPACT OF DIGITAL ADVANCEMENT IN BANKING INDUSTRY MARKETING: THE CASE OF INDONESIA
Some of the technologies that can be applied by the banks to prevent fraud risk for the customer are: (1) the implementation of personal identification number (PIN) for every financial and banking activity carried out by the customer or (2) by the implementation of an authentication mechanism to verify the intended recipient and sender (European Payments Council, 2018). Regarding the questionnaires used in this research, they are answered by the directors of the Book 4 category banks in the Indonesian banking sector. Furthermore, the analysis of the risk for digital use and marketing fraud in relation to the impact of digital advances is carried out using the Statistical Package for Social Sciences (SPSS) program.
Based on the brief explanation above, the approach of the linear regression analysis is chosen to find the effect of ICT utilization in the marketing approach and the risk of the risk of marketing fraud faced by the banks; the effect of each variable is analyzed to find the impact of the digital and technological development on the banks themselves. Based on equation (1), it is indicated that any changes in the effect of ICT will also dictate the risk of marketing fraud faced by the bank's potential and current customer. Furthermore, any changes in the ICT impact also determine the banks' IT utilization.
The Impact of IT Use on ICT) (2) Based on Equation (2), it is shown that the impact of ICT determined the movement of the bank's IT use in fulfilling the bank's own customer's digital transaction demand. This regression analysis is performed to find the estimated value of IT usage to predict the risk of marketing fraud. Furthermore, the regression equation of marketing fraud risk in relation to IT use is shown in equation (3).
Marketing fraud risk = 0.974 × IT usage (3) Based on equation (3), it is indicated that the movement of IT usage dictates the movement of marketing fraud risk. Based on Table 5, it appears that the regression model of marketing fraud risk with respect to IT use is statistically significant. The result indicates that the regression can predict the movement of marketing fraud risk against IT usage by the banks.
Which indicates that the prediction of marketing fraud risk dependent on IT use can deviate to a high degree, as shown in Table 6. According to the hypothesis in this research, it is found that marketing fraud risk, IT use, and the impact of ICT have a significant a positive connection. In terms of the nature of the findings in this research, it is similar to a report by The Economist Intelligence Unit (2018) and Accenture (2018) on the implications of digital influence on digital usage and the risk of marketing fraud.
It also has a similarity with the report regarding the relationship of the digital use to marketing fraud risk carried out by UK Finance (2019). Based on the conclusions above, it is recommended to conduct future research focused on two perspectives; to be precise, the perspectives of directors of the banks and the perspectives of the bank's customer in the use of a digital product provided by the banks to deal with the risk of marketing fraud.
