Background Digital transformation (DT) involves integrating digital technologies into
organizations to improve productivity, efficiency, and quality. Investing in the workforce's …

The contribution of SMEs to economic growth is supported by the development of the sharia
economy by the government, making SMEs one of the main pillars in Indonesia's economic …

Research background: The existing literature provides an incomplete approach to under-
standing the implications of Industry 4.0 for HRM development. Digitalisation has …

Purpose The aim of this paper is to determine whether the efficiency of banks' human capital
(HC) has moderating effects on the relationship between asset diversification and bank …

This study investigates the key factors influencing employee performance in the banking
sector, focusing on how traditional and emergent challenges affect workforce efficiency and …

This paper aims to evaluate customer perceptions regarding the benefits generated by
sustainability 4.0 in the banking sector through a survey. A structured questionnaire was …

The financial and banking industry has implemented digitalization as a marketing weapon
and realized industry 4.0. The purpose of this study was to determine the extent of the …

Pendidikan kecakapan literasi keuangan masih memerlukan penguatan dan kerjasama
antar pemerintah dan masyarakat. Hal ini perlu dilakukan, agar siswa taman kanak-kanak …

Purpose The banking sector is more revolutionized than ever, with advanced technologies
driving a seismic change in the financial industry. This study aims to understand how digital …

Trends in business management caused by Industry 4.0 implementation and related to
COVID-19 restrictions brought up new challenges. Consequently, increasing digitalization …