The study investigates the existence of a fintech entity that effect sustainable bank performance through competitive advantage and introduces a new fintech entity as an antecedent of competitive advantage and performance. Analysis of the causes of disturbance of the performance uses quantitative and qualitative approaches. The study uses 59 questionnaires returned from all 70 bank financial managers as a National Commercial Bank Association member. Five informants were selected from the Central Bank of Indonesia, the Financial Services Authority, the Indonesian Fintech Association, a bank business player, and the Commercial Bank Association Management. Using Partial Least Square, the results show that the fintech entity can drive sustainable bank performance, directly and indirectly, through competitive advantage. The existence of fintech is a dominant factor for achieving performance. From the informants, the results show that collaboration with a fintech entity is necessary and initially, the banks in running a business based on a perspective of experience. Moreover, Informants predicted that fintech and competitive conditions would significantly influence performance in the present and the future. Then, the implication is that fintech cannot be avoided but must be embraced as bank cooperation partners to sustain the performance. Doi: 10.28991/ESJ-2022-06-01-04 Full Text: PDF
Quality Assurance System for Higher Education is absolutely necessary to guarantee the quality of education, especially for the study program. ISO 9001: 2008 is a standard for quality management systems and Accreditation of BAN-PT is a standard for quality academic process improvement for higher education. Problems will rise when the two sets of documents are to be integrated into a model that forms the quality assurance system. This is due to differences in language, structure, and details of the two sets of documents. Accordingly, the purpose of this research is to develop a model of quality assurance system by conducting integration of accreditation of BAN-PT and ISO 9001: 2008. The methods that are used to integrate the two documents in this research are comparative method, mapping method and harmonization model. The expected results of this study is to indicate the efficiency of ISO clauses and requirements reuse in the implementation of BAN-PT accreditation and the effectiveness of an implementation of BAN-PT Accreditation in adopting ISO processes. This model would be an extremely useful tool for ISO-certified higher education that plans to implement Accreditation of BAN-PT.
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