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

Author

Listed:
  • Bambang Irawan

    (Institut Teknologi Bandung, School of Business and Management)

  • Donald Crestofel Lantu

    (Institut Teknologi Bandung, School of Business and Management)

  • Achmad Ghazali

    (Institut Teknologi Bandung, School of Business and Management)

  • Nur Budi Mulyono

    (Institut Teknologi Bandung, School of Business and Management)

Abstract

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.

Suggested Citation

  • Bambang Irawan & Donald Crestofel Lantu & Achmad Ghazali & Nur Budi Mulyono, 2026. "The Effect of Machine to Machine (M2M) Learning Interaction on Digital Banking Innovation," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 17(1), pages 2995-3031, February.
    • Handle: RePEc:spr:jknowl:v:17:y:2026:i:1:d:10.1007_s13132-025-02724-7
    DOI: 10.1007/s13132-025-02724-7
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    References listed on IDEAS

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    1. Santiago Carbó‐Valverde & Pedro J. Cuadros‐Solas & Francisco Rodríguez‐Fernández & José Juan Sánchez‐Béjar, 2024. "Digital innovation and de‐branching in the banking industry: Customer perception and satisfaction," Global Policy, London School of Economics and Political Science, vol. 15(S1), pages 8-20, March.
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