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<p>M2M learning is transforming digital banking in Indonesia by driving innovation and enhancing customer experience. This study explores the interaction between M2M learning, digital product development, and Knowledge Management 5.0 in shaping banking innovation. Using qualitative multi-case research, data were collected from four leading Indonesian banks through interviews, site visits, and document analysis. Findings show that M2M learning, supported by AI, big data, and cloud computing, enhances automation and product innovation. Success requires strong technological infrastructure, leadership, and a culture of continuous learning. The research also identifies challenges such as cybersecurity risks and resistance to change. Practical recommendations are offered for banks and policymakers to navigate digital transformation effectively.</p>

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The Effect of Machine to Machine (M2M) Learning Interaction on Digital Banking Innovation

  • 期刊论文

  • 发表日期：

    2025年4月29日

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  • Bambang Irawan,
  • Donald Crestofel Lantu,
  • Achmad Ghazali,
  • Nur Budi Mulyono

摘要

M2M learning is transforming digital banking in Indonesia by driving innovation and enhancing customer experience. This study explores the interaction between M2M learning, digital product development, and Knowledge Management 5.0 in shaping banking innovation. Using qualitative multi-case research, data were collected from four leading Indonesian banks through interviews, site visits, and document analysis. Findings show that M2M learning, supported by AI, big data, and cloud computing, enhances automation and product innovation. Success requires strong technological infrastructure, leadership, and a culture of continuous learning. The research also identifies challenges such as cybersecurity risks and resistance to change. Practical recommendations are offered for banks and policymakers to navigate digital transformation effectively.