JOURNAL ARCHIVE
2025-02-19
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Jurnal Bisnis dan Komunikasi Digital
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pp. 17–17
Kurniawan Arif Maspul, Nugrahani Kartika Putri
The rapid expansion of Temu, a global e-commerce powerhouse, is reshaping economic landscapes with profound and often polarizing effects. This study delves into its dual impact on two contrasting economic environments: non-productive economies that thrive on imports with minimal trade barriers (e.g., the Middle East) and producing economies with strong local industries fighting to stay afloat (e.g., Southeast Asia). While Temu’s meteoric rise in import-dependent markets is fueled by tax exemptions and insatiable consumer demand for ultra-affordable goods, its aggressive penetration into producing economies threatens to undermine local industries, displace workers, and disrupt regulatory frameworks. Through a rigorous comparative economic analysis, policy evaluation, and consumer behavior study, this research uncovers the deeper implications of Temu’s business model on market stability, economic sovereignty, and long-term sustainability. The findings shed light on the shifting dynamics of global e-commerce, the effectiveness of protectionist policies, and the socio-economic trade-offs of unrestricted cross-border trade. As nations grapple with the balance between affordability and self-reliance, this study serves as a critical exploration of the policies and strategies that will shape the future of digital commerce in emerging markets.
JOURNAL ARCHIVE
2025-02-14
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Jurnal Bisnis dan Komunikasi Digital
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pp. 21–21
Kurniawan Arif Maspul, Nugrahani Kartika Putri
The rapid integration of big data and artificial intelligence (AI) is fundamentally reshaping Indonesia’s financial sector, driving unprecedented efficiency, innovation, and financial inclusion. As Southeast Asia’s largest digital economy, Indonesia has embraced fintech solutions that leverage predictive analytics, machine learning, and automation to enhance risk management, streamline transactions, and expand financial services to previously underserved populations. This transformation aligns with global financial trends, yet it presents distinct regulatory, infrastructural, and ethical challenges. Drawing from Schumpeter’s Innovation Theory, Information Asymmetry Theory, and Transaction Cost Economics, this study explores how big data and AI redefine financial operations, improve decision-making, and reduce market inefficiencies in the Indonesian banking ecosystem. Utilizing a qualitative phenomenological approach, this research synthesizes insights from industry experts, regulatory bodies, and financial analysts to assess the implications of data-driven strategies. Findings reveal that while big data optimizes risk assessment, fraud detection, and customer segmentation, regulatory hurdles, cybersecurity risks, and digital literacy gaps remain key barriers to sustainable adoption. As Indonesia continues its trajectory toward a data-centric financial infrastructure, balancing technological advancement with regulatory prudence will be critical in shaping an inclusive and resilient financial future. This study contributes to ongoing discourse on the intersection of financial digitalization, economic policy, and ethical AI deployment in emerging markets.