The research aims to examine East Nusa Tenggara (NTT) bank service digitalization innovations and examine several implications of bank service digitalization innovations. This research uses a qualitative approach with data collection techniques: in-depth interviews, documentation, and focused discussions. The key informants in this research were the board of commissioners, directors, division heads, and NTT bank employees. The findings of this research are, first, the existence of an existing/generic model in the operational, supporting, and monitoring fields of NTT banks. Second, there is an innovation model for digitizing services and efforts to popularize the digitization of NTT bank services to the government-private sector, including micro, small, and medium enterprises (MSMEs), religious institutions, educational institutions, students and students as well as the broader community to provide easy access to sources of financing for the community, Eliminate regional tax leakage, encourage the development of micro, small, and medium enterprises (MSMEs) and assisted village farmers/breeders, provide entrepreneurial opportunities for the community, namely as a digital agent for NTT bank, minimize fraudulent behavior (shirking) in credit distribution. Third, service digitalization innovation uses a contextual sociolinguistic approach because it incorporates local and global vocabulary such as Bpung Mobile, Bpung Farmer, Lopo Dia Bisa, and Bpinjam. Fourth, service digitalization innovation refers to OJK regulations regarding banking digital transformation contained in RP 21 and PBI number 23/26/2021. Fifth, conventional services (hybrid approach) still accompany the digitalization innovation model. Sixth, Bank NTT is in quadrant III, namely growth. Bank NTT continuously optimizes existing resources by taking advantage of opportunities to increase business growth and continues to mitigate threats into opportunities and strengths. The implications of the innovation in digitizing NTT bank services include updating standard operating procedures (SOP), changing corporate culture from Flobamora to Bintang, and accelerating the increase in human capital capacity. The implications of research on bank management refer to the innovation of procurement of new IT systems. Banks can increase their attention to service quality and maintain customer trust to maintain the quality of digital banks among customers. Moreover, with post-COVID-19 conditions that require people to make digital transactions. With the changes in the financial industry towards digitalization, it is necessary to strengthen risk management in financial service institutions. The implications of the research results for policymakers need to be considered in the transformation towards digital banking related to equitable internet access in Indonesia, cybersecurity, and employment. Recommendations for future research are the importance of studying the determinants of digital service innovation in bank services, such as transformational leadership style, good corporate governance, and organizational commitment.

This review paper delves into the intricate landscape of the digital economy, focusing on the multifaceted interplay between innovation, competition, and consumer dynamics. It investigates the transformative impact of digital technologies on market structures and consumer behaviors, spanning areas such as e-commerce, online publishing, taxation, and big data challenges. By analyzing network effects, market concentration, and the influence of key players like Google and Amazon, this study draws on insights from previous research. Furthermore, it examines evolving regulations with an emphasis on consumer protection, competition law, and privacy concerns. Through a comprehensive exploration of the digital ecosystem, this paper offers a nuanced understanding of how businesses, consumers, and policymakers navigate the complexities of the digital marketplace.

Innovation can be applied in every aspect of life. Similarly, innovation can support the implementation of an accountable education system and support regional competitiveness. Innovation is easy to echo, but difficult to implement. Especially with regard to the Education curriculum which is based on many teaching norms. For this reason, the independent curriculum is a bridge for students and teachers in pouring their innovative ideas through projects that link and match with the world of Education. The problem is that not all schools in Boyolali Regency dare to experiment. There are only 20 schools that seem to be making innovations from the total number of schools as many as ± 400 school units. Qualitative descriptive study method with analysis through problem trees. The result of the study is that an innovation model will be created three concepts, namely Training model, professional Development and Capability Development using problem-based learning methods, project-based learning and discovery learning.

As a public opinion position to convey the spirit of the Party Central Committee and national policies, the Integrated Media Center plays a vital role in publicity work. However, there are also some problems in the process that hinder further development. The integrated media center has the advantages of understanding the direction of publicity, familiar with the local economic and cultural development, and mastering the production of short videos. If the integrated media assists in the production and promotion of short videos, it will have better publicity effects. This article analyzes the problems in the promotion process of short videos for rural users, in order to establish effective working ideas for the media center and promote local cultural inheritance and innovation.

Innovation has always been a key driver of economic development, particularly in the context of small and medium-sized enterprises (SMEs). Despite their significant contributions, many of these enterprises currently lack strong research and development capabilities, face challenges in innovation investment, and struggle to produce high-quality innovative results. To address these issues and overcome funding obstacles, many SMEs are turning to supply chain finance (SCF) as a supplementary financing method. This study utilizes stata16 and fixed effects models to analyze the impact and mechanism of SCF on enterprise innovation performance (EIP), focusing on companies listed on the SME Board and GEM in Shenzhen, China from 2011 to 2020. The findings reveal that SCF can effectively enhance enterprise innovation output, facilitating the conversion of resources into high-quality innovation results. Additionally, the study demonstrates that supply chain concentration acts as a mediator between SCF and EIP. Moreover, SCF is found to significantly boost EIP with low supplier concentrations and high customer concentrations. This suggests that SMEs encounter obstacles to innovation from suppliers and customers, and SCF may not fully address the challenges posed by these relationships. Overall, this research offers new empirical insights into the economic implications of companies adopting SCF, providing valuable guidance for enterprises in optimizing innovation decisions and for the government in enhancing supplier and customer information disclosure systems.

Integrated risk value response is designed to reduce threats and increase opportunities, especially in terms of running the spun pile method innovation process in accordance with the ISO 56002:2019 standard. Implementing innovation can reduce risks and increase the competitiveness of the company. The method of making or producing spun piles is the research area examined in this study. Questionnaires were distributed to workers in precast concrete companies and most of them were involved in each spun pile production line in the company in order to identify the risk factors that existed in the production line for the spun pile manufacturing method. 30 respondents were workers from organizations in the positions of Director, Manager and Staff. The risk values and impacts are mapped for each dimension to the activity details and it is found that there are 5 high risks as dominant ones, mainly risks with codes R41, R10, R4, R37, and R36. Based on a survey, the highest risk of 30% was found in the stressing & spinning dimension, which is recommended for the innovation process. Innovation is conducted with 5 innovation processes, mainly identifying opportunities, creating concepts, validating concepts, developing solutions, and deploying solutions. Recommendations for improvements are made with preventive and corrective actions that must be taken from every aspect of the spun pile production method activities. Innovation recommendations are also proposed to monitor production activities in real-time utilizing existing information and communication technology. Handling of spun pile waste material must also be implemented with certain methods and produce products that add value for the company. Ultimately, to increase the company’s competitiveness by increasing assets, it is recommended to increase the company’s intangible assets. The company’s intangible assets encompass IPR ownership in the form of Patents and Copyrights.