PINTAR BI Nyaris Tumbang! Bagaimana Ramadan 2025 Bisa Jadi Momen Finansial Sehat Tanpa Chaos?

Referensi

• Bank Indonesia. (2024). Laporan Kinerja Sistem Penukaran Uang Rupiah (PINTAR BI) Ramadan dan Idulfitri 2024.
• Otoritas Jasa Keuangan (OJK). (2023). Laporan Survei Nasional Literasi dan Inklusi Keuangan 2022.
• Kementerian Komunikasi dan Informatika RI. (2023). Laporan Keamanan Siber Nasional Tahun 2023.
• Badan Pusat Statistik (BPS). (2023). Indeks Harga Konsumen dan Inflasi Ramadan dan Lebaran 2023.
• Kementerian Perencanaan Pembangunan Nasional/Bappenas. (2022). Kajian Perilaku Konsumsi Rumah Tangga Saat Ramadan dan Hari Raya.
• Kominfo & BSSN. (2024). Analisis Ancaman Siber pada Layanan Publik Digital di Indonesia.
• Pusat Data dan Teknologi Informasi (Pusdatin) BI. (2024). Statistik Permintaan Uang Tunai Nasional Ramadan 2018–2023.
• Universitas Indonesia – Fakultas Ekonomi dan Bisnis. (2023). Studi Ekonomi Perilaku Konsumen Muslim Indonesia di Masa Ramadan.
• Kompas Riset. (2024). Tren Penukaran Uang Baru dan Perilaku Konsumtif Lebaran di Jabodetabek.
• Katadata Insight Center. (2023). Survei Digital Finance Behavior Masyarakat Indonesia Ramadan 2023.
• World Bank. (2023). Digital Financial Inclusion and Seasonal Economic Patterns in Developing Countries.
• International Monetary Fund (IMF). (2022). Cash Demand and Distribution under Stress: Lessons from COVID-19 and Religious Holidays.
• McKinsey & Company. (2023). Next-Generation Cybersecurity for Financial Institutions.
• Gartner Research. (2023). Best Practices for Scalable Digital Public Services in Peak Periods.
• Harvard Business Review. (2022). Behavioral Nudges that Encourage Smart Financial Decisions.
• National Bureau of Economic Research (NBER). (2021). Seasonal Financial Behavior and Cash Flow Volatility.
• Stanford University – AI Lab. (2022). Forecasting User Demand Using Time-Series Deep Learning Techniques.
• MIT Sloan Management Review. (2023). Gamification in Public Sector Innovation and Citizen Engagement.
• OECD. (2022). Improving Digital Public Services and Resilience in Times of High Demand.
• Pew Research Center. (2021). Digital Divide, Financial Literacy, and Online Government Services Access.
• Accenture. (2024). Building Scalable, Resilient, and Secure Digital Infrastructure for Government Applications.
• World Economic Forum. (2023). The Future of Cybersecurity in a Cashless Economy.