International Journal of Digital Business and Strategy
The International Journal of Digital Business and Strategy (e-ISSN: 0000-0000; p-ISSN: 0000-0000) is a scientific journal dedicated to research in Technology and Digital Business. We are proud to announce that International Journal of Digital Business and Strategy has achieved a significant milestone by being officially indexed in SINTA X, under the decree of the Ministry of Education, Culture, Research, and Technology of the Republic of Indonesia No: xxx/E/KPT/202x. Published by the Program Vokasi (Sarjana Terapan), Institut Bisnis dan Informatika Kesatuan (IBIK) in collabration with the Business, Technology, and Sustainability Research Institute (BTSRI), this journal covers a broad spectrum of research topics, including but not limited to digital transformation, e-commerce, fintech, digital marketing, business analytics, and the integration of emerging technologies into business strategies. Articles in this journal are published biannually in January–June and July–December, ensuring a consistent flow of research contributions that reflect current trends and innovations.
Program Vokasi (Sarjana Terapan), Institut Bisnis dan Informatika Kesatuan (IBIK)
Digital Transformation, Trust, and Sustainability in Business and Economy
Digital transformation has become a key driver of change in modern business and economic systems. The advancement of digital technologies has reshaped business models, improved operational efficiency, and expanded market reach. However, the rapid pace of digitalization also introduces new challenges, particularly related to trust, transparency, and governance in the digital economy. This article aims to examine the role of digital technologies in supporting business and economic transformation, with a particular focus on trust and sustainability. This study employs a literature review method by analyzing relevant scholarly publications from the last five years. The findings indicate that effective digital transformation requires the integration of technology, business strategy, and accountable governance. Furthermore, digital technologies have the potential to enhance business sustainability when implemented strategically and with a long-term orientation. This article is expected to provide conceptual insights for future research in the field of digital business and economic studies.
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Strategic Omnichannel Integration in Digital Business: A Systematic Literature Review
The increasing integration of digital technologies has positioned omnichannel strategies as a critical component of contemporary digital business. Rather than functioning solely as a marketing approach, omnichannel integration represents a strategic mechanism that aligns technology, organisational capabilities, and customer experience across multiple touchpoints. This study aims to systematically review and synthesise existing literature on strategic omnichannel integration in digital business contexts. Using a qualitative systematic literature review approach, this research analyses peer-reviewed journal articles published between 2020 and 2024 to identify dominant themes, conceptual frameworks, and research gaps. The findings reveal that omnichannel integration is commonly discussed in relation to strategic alignment, technology-enabled coordination, organisational readiness, and value creation through seamless customer experiences. However, the literature remains fragmented, with limited consensus on integrative frameworks that connect strategy, technology, and organisational governance. This study contributes by consolidating dispersed insights into a coherent strategic perspective and proposing directions for future research on omnichannel integration within digital business strategy.
Business Transformation in the Digital Era: Opportunities, Challenges, and Innovation Strategies
Digital transformation has become a strategic phenomenon that reshapes how organizations operate and create value. The rapid advancement of digital technologies has encouraged firms to integrate technology into business processes, operational models, and organizational strategies. This article examines business transformation in the digital era by focusing on opportunities, challenges, and innovation strategies needed to enhance competitiveness and sustainability. Using a qualitative approach through a conceptual literature review, the study finds that digital transformation offers key opportunities such as improved operational efficiency, business model innovation, market expansion, and enhanced customer experience. However, organizations also face challenges including data security risks, digital skill gaps, and resistance to change. The study concludes that successful digital transformation depends on the alignment of digital technologies, business strategies, and organizational readiness to manage continuous change in a dynamic business environment.
E-Commerce Transformation Through Intelligent Artificial: Opportunities, Challenges, and Implications Ethical
Rapidly evolving Artificial Intelligence (AI) has fundamentally changed the e-commerce landscape. Technology This present innovation, such as recommender systems and chatbots that are capable of increasing personalization services, strengthening customer interaction, as well as optimizing operational efficiency. Recommender systems allow recommendations for more products​ to be more accurate based on the profile and behavior of users, while AI-based chatbots provide fast and responsive customer service. However, behind the benefits, the application of AI also gives rise to big issues, especially related to data privacy, algorithmic bias, and transparency in making automatic decisions. Besides that, AI integration has significant implications in the world of work, with potential replacement of work routines at a time, creating new demands​ for advanced digital skills. Therefore, the adoption of AI in e-commerce requires ethical, transparent, and human-centered governance. Research emphasizes the importance of a balanced AI implementation strategy for maximum benefits that technology can bring in a fair, inclusive, and sustainable digital ecosystem.
MSME Transformation in the Digital Era: Optimizing E-Commerce for Competitiveness and Economic Growth
The development of digital technology has driven significant transformation in the trade sector, particularly through e-commerce, which plays a crucial role in supporting Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. As the backbone of the national economy, MSMEs are required to adapt to the digital ecosystem to be able to compete in the global market. This study aims to examine the role of e-commerce in MSME development, identify applicable strategies, and analyze the challenges and opportunities that arise in the digital economy era. This study uses a qualitative approach with a literature review method. The data used are secondary data sourced from academic and non-academic literature, including national and international scientific journals, books, research reports, conference articles, official government publications, and statistical data. All literature is critically analyzed to generate a comprehensive understanding of the research issues. The results show that e-commerce makes a significant contribution to strengthening the competitiveness of MSMEs by expanding market access, increasing operational efficiency, and supporting product innovation. However, its implementation still faces various obstacles such as limited digital literacy, technological infrastructure, and access to financing.
Digital Transformation of Business: Innovative Strategies to Increase Efficiency, Agility, and Competitiveness
Business digital transformation is a strategic process that integrates digital technologies across all aspects of a company's operations and strategies, aiming not only to enhance efficiency but also to create additional value for customers. This transformation encompasses process automation, data management, development of new business models, and innovation in customer experience. The impact of digital transformation extends beyond improving corporate competitiveness, as it also drives economic growth and ensures sustainable business practices. Nevertheless, this process presents significant challenges, including data security risks, lack of system interoperability, and the gap between customer expectations and the capabilities of traditional companies. Digital business strategy becomes a critical enabler to address these challenges by leveraging technology to improve productivity, operational efficiency, organizational agility, and customer experience. This study employs a qualitative descriptive method to analyze the role of digital transformation in building competitive digital capabilities. The results indicate that an effective digital strategy can increase revenue, strengthen market position, and support sustainable business growth.
Digital Transformation in Business Strategy: Technology Company in Indonesia
Digital transformation has become a key driver of competitive advantage for companies in the rapidly evolving technology sector. This study aims to examine the digital transformation strategies implemented by Indonesian technology companies, and to analyze their impact and challenges. Understanding these strategies is crucial for managers and scholars seeking insights into effective digital integration in emerging markets. The research adopts a qualitative approach, with a Systematic Literature Review (SLR) to identify global trends and best practices. Data were collected through semi-structured interviews with managers responsible for digital strategy, analysis of company reports and corporate publications, and review of relevant international academic literature. This methodology provides a comprehensive perspective on both practical implementation and theoretical insights into digital transformation. Findings reveal that digital strategies include process automation, digital marketing, technology-driven product innovation, and the utilization of AI and Big Data for decision-making and personalized services. Positive impacts are observed in operational efficiency and customer experience, while main challenges involve internal resistance, high investment costs, and employee skill gaps. The study underscores the strategic importance of digital transformation for technology.
Optimization of Digital Transformation and Digital Competence in Business Sustainability
The development of digital technology has driven fundamental changes in the business world, particularly in the e-commerce sector. Digital transformation is not only a supporting factor but also a key driver in shaping new business models that are more adaptive and competitive. This study aims to analyze the impact of digital transformation on the development of e-commerce business models, with a focus on market reach, operational efficiency, and customer experience enhancement. The research method employed is a literature study with a qualitative approach, by reviewing journals, articles, and research reports related to digital transformation and its implementation in the e-commerce sector. The analysis was conducted to identify trends, challenges, and opportunities that arise in the process of business digitalization. The findings indicate that digital transformation plays a significant role in expanding global market access, improving business process effectiveness through automation and system integration, and creating more personalized and interactive customer experiences. In conclusion, the adoption of digital technology is the key to the success of e-commerce businesses in the digital economy era.
Mapping Digital Business Research in Indonesia: An Economic Perspective through a Systematic Literature Review (SLR)
Digital transformation has become a key driver of Indonesia’s economic growth, supported by the rapid rise of e-commerce, fintech, ride-hailing, and platform-based economies. Over the last decade, these innovations have positioned Indonesia as the largest digital economy in Southeast Asia, with projections reaching hundreds of billions of dollars by 2030. This study employs a Systematic Literature Review (SLR) to map the contributions, opportunities, and challenges of digital business in Indonesia. Using academic databases and thematic analysis, the review reveals that digital business significantly contributes to Gross Domestic Product (GDP), expands financial inclusion, and strengthens micro, small, and medium enterprises (MSMEs). However, challenges remain, including unequal digital access across regions, regulatory gaps, limited digital literacy, and rising cybersecurity risks. Theoretically, this study advances academic discussions by providing a comprehensive overview of digital business research trends in Indonesia. Practically, it offers policy insights to enhance infrastructure, improve digital literacy, and design adaptive regulations to support an inclusive and sustainable digital business ecosystem.
Strategic Decision-Making in the VUCA Era: A Synthesis of Empirical Findings through a Systematic Literature Review in Indonesia
This study aims to synthesize empirical findings on strategic decision-making in the VUCA era (Volatility, Uncertainty, Complexity, and Ambiguity) within the Indonesian context using a Systematic Literature Review (SLR) approach. The research background highlights the dynamics of the global business environment, characterized by digital disruption, regulatory changes, and global crises such as the COVID-19 pandemic, which require organizations to establish adaptive, data-driven, and long-term-oriented decision-making mechanisms. The reviewed articles include empirical studies on leadership, digital innovation, human resource management, environmental dynamics, regulatory frameworks, and global crises relevant to organizations in Indonesia. The synthesis results indicate that the effectiveness of strategic decision-making is determined by the integration of internal factors, such as adaptive leadership, digital technology adoption, and human capital development, with external factors, including market volatility, regulatory changes, and global crisis challenges. This integration produces a conceptual framework that emphasizes the importance of flexibility, collaboration, and continuous learning. Theoretically, this study enriches the literature on strategic management in the context of developing countries.
Digital Marketing Technology For Improving Business Performance
The rapid advancement of digital marketing technology has transformed the global business environment, enabling companies to engage customers more personally and make data-driven decisions. This study systematically reviews the literature to analyze the impact of digital marketing technologies such as social media, search engine optimization (SEO), email marketing with content personalization, and big data analytics on business performance. Using a Systematic Literature Review (SLR) approach, relevant articles were identified and synthesized from major academic databases to provide a comprehensive understanding of trends, benefits, and challenges associated with digital marketing adoption. Findings indicate that these technologies significantly enhance brand awareness, customer engagement, loyalty, and operational effectiveness across various industries. Social media and SEO amplify visibility and customer interaction, while personalized email marketing strengthens long-term customer relationships. Big data and analytics facilitate more precise segmentation and predictive insights, improving marketing efficiency. However, businesses face implementation challenges including resource constraints, lack of digital skills, and organizational resistance to change. The study highlights the necessity for businesses, particularly SMEs, to develop integrated digital marketing strategies supported by investments in technology and workforce capabilities.
Synergy Digital Technology and Innovation Strategy in Build Ecosystem Collaborative Business
Digital transformation has given rise to a paradigm shift in the business world, known as Ecosystem Digital Business (Digital Business Ecosystems/DBEs). This article explores innovation strategies in DBEs, with a focus on the importance of collaboration across actors, the utilisation of digital technology, and managerial approaches that are adaptive to create value and sustainability. By adopting an ecosystem model, such as a hub-and-spoke, network, or layered model, organisations are capable of developing synergy that drives innovation together. Research This approach uses qualitative methods through studies, literature, and analysis of the case of Apple and Amazon as a representation of DBEs' success. The results show that digital platforms, supported by technology such as AI, IoT, and big data analytics, are becoming key enablers of collaboration and co-creation. However, challenges such as management risks, data security, and platform governance remain significant. This article recommends innovation strategies based on collaboration, an open and adaptive platform governance, and strengthening organisational digital capabilities. Thus, DBEs are not only a framework for operational work, but also become a foundation for innovation and sustainability in the digital era.
Developing Efficient Digital Business Strategies for Sustainable Growth in the Digital Transformation Era
The digital transformation era has fundamentally altered business operations, necessitating innovative strategies to maintain competitiveness in a dynamic global market. This article examines the development of efficient digital business strategies that leverage advanced information technology (IT) solutions to achieve sustainable growth and competitive advantage. Through a qualitative descriptive approach, the study analyzes how businesses integrate technologies such as artificial intelligence, big data, and the Internet of Things to optimize operations, enhance customer experiences, and align with the Sustainable Development Goals (SDGs). The findings highlight that effective digital strategies involve data-driven decision-making, robust digital capabilities, and a focus on sustainability to address market demands and stakeholder expectations. By fostering a digital culture and adopting innovative business models, companies can mitigate risks, such as cybersecurity threats and resource constraints, while capitalizing on opportunities for growth. This research underscores the importance of aligning digital transformation with sustainability goals to ensure long-term business viability and societal impact in an increasingly digital world.
Small Business Survival Strategies in the Online Market Ecosystem: A Qualitative Study Based on Literature Study
This research aims to identify survival strategies used by small businesspeople in dealing with challenges and opportunities in the online market ecosystem. Using a qualitative approach based on literature review. Content analysis techniques are used to extract and categorize data from these sources in order to find strategic patterns that appear consistently. The results of the study show that the survival strategy of small businesses includes digital marketing through social media, strong customer orientation, product and process innovation, the use of digital technology, and strategic collaboration with business partners. Digital literacy is a key factor that underlies the successful implementation of these strategies. This research contributes to enriching the digital entrepreneurship literature and offers practical recommendations for MSME actors and policymakers to strengthen the resilience of small businesses in the digital era. These findings also open opportunities for further research with an empirical approach to explore the practices and challenges faced by business actors directly.
IT Security Governance for Digital Enterprises: Balancing Agility and Control
Digital transformation has revolutionized the way organizations manage information, but it also presents complex challenges when it comes to security. This study explores how IT Security Governance can balance the need for agility and control in the context of digital enterprises. The method used is a literature study of twenty selected scientific publications published in the last five years. Studies show that traditional rigid approaches to security management are no longer adequate in dealing with today's technological dynamics. Adaptive approaches such as Zero Trust Architecture, DevSecOps, and policy-as-code are emerging as key strategies for maintaining flexibility without sacrificing compliance and control. In addition, the culture of security and the involvement of all stakeholders play a crucial role in the success of governance. The results of this study provide a conceptual and practical understanding of how organizations can build security systems that are resilient, responsive, and relevant to the ever-changing digital age.
The Role of Compliance Risk Management in Improving the Sustainability of Islamic Banks
This study focuses on the importance of compliance risk management in maintaining the operational conformity of Islamic banks with sharia principles and applicable regulations, as well as its impact on the sustainability and stability of banks. In facing regulatory challenges and operational risks, Islamic banks require an effective risk management system to avoid potential financial losses and reputational damage. This study uses a qualitative approach with a case study design. Data were collected through case study examinations and review of related documents, including annual reports and applicable regulations. Another method of data collection is a literature review, which involves collecting, reading, and processing various relevant literature sources. The research findings indicate that compliance risk management implemented in banks is effective in identifying, evaluating, and mitigating risks related to non-compliance with sharia principles and laws and regulations. This contributes to the sustainability of bank operations, increasing customer trust, and reducing potential losses caused by reputational and legal risks. However, challenges related to regulatory changes and limited human resources remain obstacles to more optimal implementation.
Conceptualization of a Data-Driven Digital Strategy Model in Driving Product Innovation and Differentiation
Data-driven digital strategies have become a crucial pillar in strengthening an organization's competitive advantage. Digital transformation not only changes internal workflows but also significantly influences innovation and value creation through product differentiation. This study aims to conceptually examine a model of data-driven digital strategy and how its implementation drives innovation and differentiation in products or services. Using a literature review approach from various national and international scientific journals, it is found that the integration of digital data into strategic decision-making accelerates the innovation cycle and aligns products with the dynamic needs of the market. The analysis shows that companies successfully applying personalized and automated digital strategies tend to have a higher level of product differentiation. This research highlights the importance of organizational capability in managing, analyzing, and exploiting digital data to design adaptive and competitive innovative strategies. A data-based approach in digital strategy is increasingly vital in achieving sustainable strategic transformation and gaining a long-term edge in today's fast-evolving digital economy.
Improving Digital Literacy of Business Actors as a Foundation for E-Commerce Transformation
Digital transformation has accelerated the development of e-commerce in Indonesia. However, low levels of digital literacy, particularly among MSMEs, remain a serious challenge hindering the optimal use of digital technology. Digital literacy, now as important as basic skills such as reading and writing, is a key foundation for businesses to increase competitiveness, expand markets, and strengthen business resilience in the Industry 4.0 era. This study aims to analyze the role of digital literacy as a foundation for e-commerce transformation and identify strategies for its improvement. This study uses a qualitative method with a literature study approach, through an in-depth review of journals, books, reports, and relevant literature discussing digital literacy and e-commerce. The findings indicate that improving digital literacy contributes significantly to revenue growth, operational efficiency, and business resilience. Policy support, competency-based training programs, collaboration with digital platforms, and cybersecurity education are key strategies to strengthen digital literacy as the foundation for an inclusive and sustainable e-commerce transformation in Indonesia.
The Influence of Digital Leadership on Organizational Readiness in Facing Technological Disruption
The rapid advancement of technology has driven disruption across nearly all industrial sectors, demanding organizations to be highly prepared in responding to change. This study aims to examine the role of digital leadership in enhancing organizational readiness to face technological disruption through a Systematic Literature Review (SLR) approach. This research identifies conceptual patterns, trends, and research gaps concerning the relationship between digital leadership and organizational readiness. The analysis reveals that digital leadership plays a crucial role in fostering a culture of innovation, driving structural transformation, and strengthening the adoption of strategic technologies. Visionary, collaborative, and adaptive digital leaders are able to communicate transformational visions, manage change, and facilitate continuous organizational learning. Flatter, project-based, and agile organizational structures are considered more responsive to change. This study recommends strengthening digital leadership capabilities as an integral part of organizational strategy. Future research is encouraged to explore empirical contexts across sectors and other contextual variables to deepen the understanding of the dynamics of digital leadership in organizational transformation.
Mapping Digital Strategy in SMEs in Indonesia: Opportunities, Challenges, and Managerial Implications
Digitalization has become a vital strategy for Small and Medium Enterprises (SMEs) in responding to the rapid and competitive changes in the business environment. This article aims to map the digital strategies adopted by SMEs in Indonesia, identify the opportunities and challenges they face, and formulate relevant managerial implications. This study employs a Systematic Literature Review (SLR) approach, analyzing selected scholarly articles from national. The findings reveal that digital strategies implemented by Indonesian SMEs primarily involve digital marketing, e-commerce, integration of social media platforms, and the use of cloud-based technologies. On the opportunity side, digitalization enhances operational efficiency, market reach, and customer relationships. However, SMEs face significant challenges such as limited resources, low levels of digital literacy, and inadequate technological infrastructure. The resulting managerial implications highlight the need for digital capacity development, the strengthening of strategic collaborations, and the enhancement of supportive policies from government and financial institutions.
From Warung to Online Store: Digital Business Strategies in Indonesia
Digital transformation has become a key driver of the development of micro, small, and medium enterprises (MSMEs) in Indonesia, especially in the shift from traditional models such as warungs to online business platforms. This shift not only increases the competitiveness of MSMEs, but also opens up wider access to markets, technology, and financial services. This article aims to analyze the digital business strategy of MSMEs in Indonesia and map the factors that affect their success. To achieve this goal, this study uses the Systematic Literature Review (SLR) method by examining various relevant academic and policy studies regarding the digitalization of MSMEs in Indonesia. The results of the study show that there is a strong trend in the implementation of digital strategies, such as the use of digital marketing, the use of e-payments, and the integration of MSMEs into the marketplace as a form of business adaptation. Government support through programs such as Go Digital MSMEs and the National Movement of 1 Million MSMEs Go Online has also accelerated the digitalization process. However, challenges still arise in the form of low digital literacy, limited infrastructure, and consumer trust issues. This study concludes that the success of MSME digitalization is largely determined by community support, innovative ecosystems, and collaboration with large platforms. These findings provide academic contributions and practical recommendations for MSME actors and policymakers in strengthening digital transformation in Indonesia.
Understanding Customer Experience in the Digital Context: A Systematic Review
Digital transformation has significantly changed the way customers interact with companies, creating a new paradigm in customer experience management. This study aims to systematically review the literature on customer experience in the digital era using the Systematic Literature Review (SLR) method. The articles analyzed were obtained from international databases Google Scholar. The results of the study show that digital customer experience is influenced by a number of main factors, namely the personalization of data-based services, the use of artificial intelligence, the integration of online and offline channels (omnichannel), and the use of immersive technologies such as AR and VR. Digitalization also expands the customer journey, making it more complex and dynamic, and boosting satisfaction, loyalty, and brand image. Despite this, the existing literature is still limited to technical and functional aspects, with little attention to the emotional, social, and contextual dimensions of small and medium-sized businesses. Future research is suggested to explore the integration of technology with the emotional and cultural aspects of customers, as well as its impact on long-term relationships. These findings provide practical implications for companies to develop more holistic, sustainable, and customer-centric digital strategies.
Implementing Digital Marketing in Business Strategy in the Era of Digital Transformation
Digital transformation has fundamentally changed the way companies conduct business, enabling more efficient operations, broader global market reach, product innovation, and enhanced customer experience. Digital marketing has become a key component in business strategy development, as it increases brand awareness, expands target markets, and generates measurable results. This article reviews the benefits and challenges of implementing digital marketing through a Systematic Literature Review (SLR). The findings show that digital marketing not only improves the effectiveness of promotions but also enables direct interaction with consumers, strengthens loyalty, and supports continuous innovation. Critical success factors include understanding the target audience, content quality, search engine optimization (SEO), social media, digital security, and the adoption of the latest technologies. By applying appropriate digital marketing strategies, companies can achieve greater efficiency, differentiation, and competitive advantage in an ever-changing marketplace. These insights are relevant for practitioners, academics, and policymakers to support sustainable digital business transformation.
Driving Sustainable Business Success: Innovating Operational Models in the Digital Era
In the rapidly evolving landscape of digitalization, innovative operational models have become essential for achieving sustainable business strategies. This study explores how the integration of Industry 4.0 technologies, such as big data, Internet of Things (IoT), and automation, reshapes operational frameworks to support sustainability in economic, environmental, and social dimensions. Utilizing a Systematic Literature Review (SLR) approach, this research synthesizes findings from peer-reviewed studies to examine the impact of digital technologies on operational efficiency, waste reduction, and resource management, as well as the organizational factors enabling successful transformation. The results highlight that technologies like predictive analytics and IoT enhance energy efficiency and circular economy practices, contributing to a 15-25% improvement in sustainability metrics. Furthermore, visionary leadership, a culture of innovation, and digital competency development are critical for overcoming barriers such as resistance to change and high initial costs. This study offers a comprehensive framework for businesses to integrate digitalization with sustainability goals, providing practical insights for stakeholders aiming to enhance resilience and competitiveness in a dynamic global economy. The findings underscore the need for a holistic approach to balance technological advancements with organizational readiness, paving the way for future research into scalable, sustainable operational innovations.
MSME Digital Transformation: Efficiency, Market Expansion, and Innovation
Digital transformation has become one of the key factors in strengthening the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in the modern economic era. This research aims to examine the role of digital technology, especially the Internet of Things (IoT), e-commerce, big data, and financial technology (fintech), in encouraging operational efficiency, market expansion, and business innovation of MSMEs in developing countries. The research method used is Systematic Literature Review (SLR) on academic publications in the last five years, with a focus on empirical and conceptual studies related to the digitalization of MSMEs. The results of the analysis show that the application of digital technology can reduce logistics costs, increase productivity, and speed up the decision-making process. In addition, e-commerce and social media platforms have proven to open MSMEs access to national and global markets, while the integration of big data and fintech plays a role in creating innovative business models and providing inclusive financing solutions. This research confirms that collaborative support between the government, the private sector, and educational institutions is needed to ensure the success of MSME digital transformation.
The Role of Digital Transformation in Resilience of MSMEs Post-Pandemic: A Literature Review
Micro, Small, and Medium Enterprises (MSMEs) have an important role in the Indonesian economy because they absorb a large number of workers and contribute significantly to the Gross Domestic Product (GDP). However, the COVID-19 pandemic has had a serious impact on the sustainability of MSMEs, with a decline in turnover, distribution disruptions, and limited capital that threatens business resilience. Digital transformation is a key strategy to increase the competitiveness and resilience of MSMEs after the pandemic. This study uses the literature review method by examining journal articles, books, government reports, and relevant scientific publications in the last five to ten years. The results of the study show that the use of e-commerce, social media, digital payment systems, big data, and business management applications is able to expand market reach, increase operational efficiency, and strengthen the adaptability of MSMEs to market changes. However, digital transformation also faces various challenges such as low digital literacy, limited infrastructure, lack of capital, and fierce competition in the digital ecosystem. Therefore, comprehensive support from the government, financial institutions, and other strategic partners is needed to encourage the acceleration of MSME.
E-Commerce Transformation and Changing Consumer Behavior in the Digital Era
The development of e-commerce globally and nationally shows significant growth, driven by increased internet penetration, smartphone adoption, and changes in consumer behavior that increasingly rely on digital technology. In Indonesia, the surge in e-commerce transactions is more pronounced after the pandemic, although there are indications of a slowdown in growth in certain periods. This research aims to analyze e-commerce trends and changes in consumer behavior triggered by digitalization, focusing on the challenges and opportunities faced by business actors. The method used is Systematic Literature Review (SLR), which identifies, evaluates, and synthesizes literature from various international and national sources. The results of the study show that consumers are now more critical, expect fast and personalized service, and pay attention to sustainability aspects. On the other hand, business actors are faced with data security issues, strict regulations, and the demands of omnichannel integration. This study confirms that technology-based strategic adaptation is a key factor to maintain competitiveness in the digital era.
Digital Business Model Development Strategies for Tech Startups in the Digital Transformation Era
Digital transformation has reshaped the global business landscape, especially for tech startups that must adapt to rapid technological advances and dynamic markets. This study analyzes strategies for developing digital business models in the transformation era using a qualitative literature study approach, drawing from academic publications, industry reports, and scientific articles. The findings reveal several key strategies: innovation in technology-based products and services, optimization of digital technologies such as artificial intelligence, big data, cloud computing, and blockchain, ecosystem strengthening through collaboration with strategic partners, and adaptation to evolving regulations. However, startups face persistent challenges, including regulatory uncertainty, limited resources, data security and privacy issues, and shifting consumer preferences. The analysis highlights that success in developing digital business models depends not only on innovation capabilities but also on adaptive strategies, effective collaboration, and supportive regulatory environments. This study contributes theoretically by enriching the literature on digital business management and practically by providing insights for startups, investors.
Organizational Culture, Competencies, and Strategies in Indonesia’s Telecom Digital Transformation
Digital Payments and the Growth of Fintech Services As Part of the Digital Business Ecosystem
The rapid digitalization of Indonesia’s economy has spurred significant growth in financial technology (fintech) and digital payments, reshaping the national business ecosystem. This study applies a systematic literature review to analyze the development of key fintech segments payments, lending, wealth management, and insurtech and their integration with e-commerce, logistics, and online transportation. Findings indicate that digital payments function as a gateway to broader financial services by improving transaction efficiency, supporting financial inclusion for MSMEs, and fostering customer loyalty through personalized programs. Case studies of e-wallets illustrate practical synergies in platform integration and service innovation. However, challenges persist, including regulatory uncertainty, cybersecurity risks, limited digital literacy, and infrastructural gaps in rural areas. The study underscores fintech’s role in building a resilient digital ecosystem while offering insights for policymakers and practitioners to promote inclusive, secure, and sustainable growth. Future research should investigate adoption in underserved populations, long-term MSME impacts, and the use of AI and blockchain to strengthen security and trust.