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BUSINESS DIGITAL
Pertemuan 13
Fauzi, S.Kom., M.Eng

Pengantar Teknik Informatika

2025/2026
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Capaian Pembelajaran

Memahami konsep dan definisi Business Digital
Mengenal proses Transformasi Digital dalam bisnis
Memahami model-model bisnis digital modern
Mengenal E-commerce dan ekosistemnya
Memahami Digital Marketing dan strateginya
Mengenal Fintech dan Digital Payment
Mengidentifikasi tantangan dan peluang bisnis digital
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Definisi Business Digital

Menurut Para Ahli

McKinsey & Company: "Digital business adalah penggunaan teknologi digital untuk menciptakan nilai baru dalam model bisnis, pengalaman pelanggan, dan kemampuan internal."

Gartner: "Digital business adalah penciptaan nilai bisnis baru melalui integrasi teknologi digital dalam berbagai aspek bisnis."

MIT Sloan: "Business digital merupakan transformasi cara organisasi menggunakan teknologi untuk mengubah model bisnis dan menciptakan peluang pendapatan baru."

Karakteristik Utama

  • Berbasis teknologi digital
  • Model bisnis inovatif
  • Otomasi proses bisnis
  • Data-driven decision making

Ciri-ciri Khusus

  • Skalabilitas tinggi
  • Reach global
  • Personalisasi layanan
  • Real-time interaction
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Transformasi Digital

Digital Transformation Concept

Definisi Transformasi Digital

Transformasi digital adalah proses mengintegrasikan teknologi digital ke dalam semua area bisnis, yang secara fundamental mengubah cara beroperasi dan memberikan nilai kepada pelanggan.

People

Mengubah mindset dan skills karyawan untuk beradaptasi dengan teknologi digital

Process

Mengoptimalkan proses bisnis dengan otomasi dan digitalisasi

Technology

Mengimplementasikan teknologi modern untuk mendukung operasional

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Komponen Transformasi Digital

Digital Transformation Components

Infrastructure Digital

  • Cloud Computing
  • Internet of Things (IoT)
  • Big Data Analytics
  • Artificial Intelligence

Digital Strategy

  • Digital business model
  • Customer experience
  • Operational agility
  • Innovation culture

Tahapan Transformasi Digital

1
Assessment
2
Strategy
3
Implementation
4
Optimization
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Model Bisnis Digital

Pengertian Model Bisnis Digital

Model bisnis digital adalah kerangka kerja yang menggambarkan bagaimana perusahaan menciptakan, memberikan, dan menangkap nilai melalui teknologi digital.

E-Commerce Model

  • B2C (Business to Consumer)
  • B2B (Business to Business)
  • C2C (Consumer to Consumer)
  • Marketplace Platform

Subscription Model

  • SaaS (Software as a Service)
  • Content Subscription
  • Membership Model
  • Recurring Revenue

Platform Model

  • Multi-sided Platform
  • API Economy
  • Ecosystem Builder
  • Network Effects

Sharing Economy

  • Asset Sharing
  • Peer-to-Peer Services
  • On-demand Economy
  • Collaborative Consumption
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E-Commerce (Electronic Commerce)

Definisi E-Commerce

E-Commerce adalah kegiatan jual beli barang atau jasa yang dilakukan secara elektronik melalui internet atau jaringan komputer lainnya.

E-Commerce Ecosystem

Jenis E-Commerce

  • B2C: Amazon, Shopee, Tokopedia
  • B2B: Alibaba, IndoTrading
  • C2C: OLX, Carousell
  • C2B: Freelancer, Fiverr

Komponen E-Commerce

  • Website/Mobile App
  • Payment Gateway
  • Inventory Management
  • Logistics & Shipping
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Ekosistem E-Commerce

Digital Ecosystem

Stakeholders

  • • Sellers/Merchants
  • • Buyers/Customers
  • • Platform Provider
  • • Third-party Services

Supporting Services

  • • Payment Processors
  • • Logistics Partners
  • • Marketing Tools
  • • Analytics Services

Infrastructure

  • • Cloud Computing
  • • Cybersecurity
  • • Data Management
  • • Mobile Technology

Keuntungan E-Commerce

Untuk Bisnis:

  • • Reach global market
  • • Lower operational cost
  • • 24/7 availability
  • • Data-driven insights

Untuk Konsumen:

  • • Convenience shopping
  • • Price comparison
  • • Wide product selection
  • • Time and cost saving
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Digital Marketing

Definisi Digital Marketing

Digital Marketing adalah semua upaya pemasaran yang menggunakan perangkat elektronik atau internet untuk terhubung dengan pelanggan saat ini dan prospektif.

Digital Marketing Strategy

SEO & SEM

  • Search Engine Optimization
  • Search Engine Marketing
  • Keyword Research
  • Google Ads

Social Media Marketing

  • Facebook Marketing
  • Instagram Marketing
  • TikTok Marketing
  • LinkedIn Marketing

Email Marketing

  • Newsletter campaigns
  • Automated sequences
  • Personalization
  • Analytics tracking

Content Marketing

  • Blog writing
  • Video content
  • Infographics
  • Storytelling
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Digital Marketing Analytics

SEO vs Social Media Marketing

Key Performance Indicators (KPI)

Traffic Metrics:

  • • Website visitors
  • • Page views
  • • Bounce rate
  • • Session duration

Engagement Metrics:

  • • Click-through rate
  • • Social shares
  • • Comments & likes
  • • Email open rate

Conversion Metrics:

  • • Conversion rate
  • • Cost per acquisition
  • • Return on investment
  • • Customer lifetime value

Analytics Tools

  • Google Analytics
  • Google Search Console
  • Facebook Analytics
  • Instagram Insights

Campaign Optimization

  • A/B Testing
  • Audience Segmentation
  • Retargeting
  • Personalization
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Financial Technology (Fintech)

Definisi Fintech

Fintech adalah penggunaan teknologi untuk menyediakan layanan keuangan yang lebih efisien, mudah diakses, dan inovatif dibandingkan dengan layanan keuangan tradisional.

Digital Payments Fintech

Digital Payment

  • Mobile Wallet (GoPay, OVO, DANA)
  • QR Code Payment
  • Contactless Payment
  • Cryptocurrency

Digital Banking

  • Mobile Banking Apps
  • Digital-only Banks
  • Online Account Opening
  • AI-powered Services

Lending & Investment

  • Peer-to-peer Lending
  • Robo-advisors
  • Crowdfunding
  • Micro-investing

Insurance Tech

  • Digital Insurance
  • Usage-based Insurance
  • Claims Automation
  • Risk Assessment AI
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Sistem Pembayaran Digital

Digital Payment System

Jenis Pembayaran Digital

Mobile Payment:

  • • Near Field Communication (NFC)
  • • QR Code Scanning
  • • SMS-based Payment
  • • Mobile Banking Apps

Online Payment:

  • • Credit/Debit Cards
  • • Digital Wallets
  • • Bank Transfers
  • • Buy Now Pay Later

Keamanan

  • • Encryption
  • • Two-factor Authentication
  • • Biometric Verification
  • • Tokenization

Kecepatan

  • • Real-time Processing
  • • Instant Settlement
  • • 24/7 Availability
  • • Cross-border Transfer

Efisiensi

  • • Lower Transaction Cost
  • • Reduced Cash Handling
  • • Automatic Reconciliation
  • • Digital Records
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Blockchain & Cryptocurrency

Definisi Blockchain

Blockchain adalah teknologi distributed ledger yang menyimpan data dalam blok-blok yang terhubung secara kriptografis, menciptakan sistem yang transparan, aman, dan tidak dapat diubah.

Blockchain in Fintech

Cryptocurrency

  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Stablecoins (USDT, USDC)
  • Central Bank Digital Currency

Smart Contracts

  • Automated Execution
  • Reduced Intermediaries
  • Transparent Terms
  • Cost Efficiency

Aplikasi Blockchain dalam Bisnis

Supply Chain:

  • • Product Traceability
  • • Authenticity Verification
  • • Quality Assurance

Financial Services:

  • • Cross-border Payments
  • • Trade Finance
  • • Identity Verification

Digital Assets:

  • • NFTs (Non-Fungible Tokens)
  • • Digital Ownership
  • • Intellectual Property
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Tantangan Bisnis Digital

Digital Business Challenges

Cybersecurity

  • Data breaches dan cyber attacks
  • Malware dan ransomware
  • Phishing dan social engineering
  • Identity theft

Data Privacy

  • GDPR compliance
  • Personal data protection
  • Data monetization ethics
  • Consumer consent management

Digital Divide

  • Internet access inequality
  • Digital literacy gap
  • Technology adoption barriers
  • Economic disparities

Regulatory Compliance

  • Evolving digital regulations
  • Cross-border legal issues
  • Tax implications
  • Industry-specific requirements

Solusi dan Mitigasi

Technical Solutions:

  • • Multi-layer security systems
  • • Regular security audits
  • • Employee training programs
  • • Incident response planning

Strategic Approaches:

  • • Digital inclusion initiatives
  • • Stakeholder engagement
  • • Ethical business practices
  • • Regulatory compliance framework
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Peluang Bisnis Digital

Emerging Opportunities

Era digital membuka peluang bisnis baru yang tidak terbatas, dengan potensi pertumbuhan eksponensial dan jangkauan global.

Artificial Intelligence

  • AI-powered customer service
  • Predictive analytics
  • Process automation
  • Personalized experiences

Internet of Things

  • Smart home solutions
  • Industrial IoT
  • Wearable technology
  • Connected vehicles

AR/VR Technology

  • Virtual shopping experiences
  • Remote collaboration tools
  • Training simulations
  • Entertainment platforms

Sustainable Tech

  • Green technology solutions
  • Carbon footprint tracking
  • Renewable energy platforms
  • Circular economy models

Market Opportunities

Startup Ecosystem:

  • • Low barrier to entry
  • • Global market access
  • • Venture capital funding
  • • Rapid scaling potential

Career Opportunities:

  • • Digital marketing specialist
  • • Data scientist
  • • UX/UI designer
  • • Cybersecurity expert

Innovation Areas:

  • • HealthTech solutions
  • • EdTech platforms
  • • AgriTech innovations
  • • Smart city technologies
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Masa Depan Bisnis Digital

Tren Teknologi Masa Depan

Bisnis digital akan terus berevolusi dengan teknologi-teknologi emerging yang akan mengubah landscape bisnis secara fundamental.

Quantum Computing

  • Ultra-fast data processing
  • Advanced cryptography
  • Complex optimization
  • Scientific simulations

5G/6G Networks

  • Ultra-low latency
  • Massive IoT connectivity
  • Edge computing
  • Real-time applications

Metaverse

  • Virtual commerce
  • Digital workspaces
  • Social interactions
  • NFT marketplaces

Advanced Automation

  • Robotic process automation
  • Autonomous systems
  • Smart manufacturing
  • Intelligent logistics

Implikasi untuk Bisnis

Strategic Considerations:

  • • Continuous innovation
  • • Agile business models
  • • Digital-first mindset
  • • Ecosystem partnerships

Preparation Steps:

  • • Invest in digital capabilities
  • • Develop tech talent
  • • Build flexible infrastructure
  • • Foster innovation culture
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Evaluasi & Tugas

Pertanyaan Evaluasi

1. Jelaskan perbedaan antara bisnis tradisional dan bisnis digital!

2. Sebutkan dan jelaskan 5 komponen utama dalam ekosistem e-commerce!

3. Bagaimana digital marketing dapat meningkatkan penjualan bisnis?

4. Jelaskan peran fintech dalam transformasi sistem pembayaran!

Tugas Individu

  • Analisis model bisnis digital perusahaan pilihan
  • Identifikasi strategi digital marketing yang digunakan
  • Evaluasi tantangan dan peluang yang dihadapi
  • Buat rekomendasi pengembangan bisnis digital

Tugas Kelompok

  • Presentasi studi kasus transformasi digital
  • Bandingkan 3 platform e-commerce populer
  • Diskusi tren teknologi masa depan
  • Proposal bisnis digital inovatif

Timeline & Deliverables

Minggu 1
Research & Analysis
Minggu 2
Report Writing
Minggu 3
Presentation
Terima Kasih
Selamat belajar Business Digital!
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