Muhammad Anshari

Muhammad Anshari
Universiti Brunei Darussalam · School of Business & Economics

Doctor of Philosophy

About

179
Publications
165,989
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2,174
Citations

Publications

Publications (179)
Conference Paper
Brunei Darussalam is among the top 10 economies in the ASEAN region that has the highest internet penetration rate. As of 2020, there are 536,589 mobile phone subscription and a 120.2% internet penetration rate in the country (Department of Statistics, 2020). Digitalisation process has become increasingly progressive in the light of the current, on...
Article
Full-text available
The Fourth Industrial Revolution (4IR) offers optimum productivity and efficiency via automation, expert systems, and artificial intelligence. The Fourth Industrial Revolution deploys smart sensors, Cyber-Physical Systems (CPS), Internet of Things (IoT), Internet of Services (IoS), big data and analytics, Augmented Reality (AR), autonomous robots,...
Presentation
The presentation discusses how one of the Maqasid of Sharia: the preservation of faith, can be carried out in the midst of the pandemic through a digital society.
Article
Full-text available
As the Covid-19 outbreak remains an ongoing issue, there are concerns about its disruption, the level of its disruption, how long this pandemic is going to last, and how innovative technological solutions like Artificial Intelligence (AI) and expert systems can assist to deal with this pandemic. AI has the potential to provide extremely accurate in...
Article
Full-text available
This research examines the concept of a robo-advisor with digital twin capabilities for personal financial management. Using an exploratory study, the researchers developed an interactive and interpretive model that analyses the most critical variables to consider when designing the next level of financial robo-advisor through integrating digital t...
Research
Full-text available
Currently, we are in the process of editing a forthcoming publication entitled Metaverse Applications for New Business Models and Disruptive Innovation, to be published by IGI Global, an international publisher of progressive academic research. We would like to take this opportunity to cordially invite you to submit your work for consideration in t...
Article
Purpose The adoption of knowledge management (KM) to steer new skills and capabilities among people provides evidence that KM not only offers competitive advantages but also provides a means for organisational survival, by improvising core capabilities or generate new ones that can drive people in the Fourth Industrial Revolution (4IR) era. This pa...
Chapter
Financial technology (FinTech) is new innovation to create a better financial ecosystem for both consumers and business. The research proposes a modeling framework on how to connect public and business to promote social work activities and at the same time financially reward through a FinTech as a platform. The study deployed a mixed methods to ass...
Chapter
Despite the increasing adoption of financial technology (FinTech) and the need for secure payment methods, mobile payments as a mode of settling daily business transactions have not received sufficient attention. To date, several business actors prefer to use conventional money payment modes. However, it is apparent that the need for a more effecti...
Chapter
Digital wallet is expanding largely driven by the evolution of internet and smartphone penetration. Numerous digital wallet providers have risen in many countries including Brunei Darussalam. However, the level of adoption is still low, and cashless society is still far from an expected target. There's no magic formula in deploying a guaranteed suc...
Article
Full-text available
In conventional e-health initiatives, customers (patients) are mostly perceived as recipients of medical care, where they play little roles in the process of health decision making. Empowerment in e-health enables individuals to access their health data and consult online with medical staff. The proposed concept is intended to improve the existing...
Article
In conventional e-health initiatives, customers (patients) are mostly perceived as recipients of medical care, where they play little roles in the process of health decision making. Empowerment in e-health enables individuals to access their health data and consult online with medical staff. The proposed concept is intended to improve the existing...
Article
The growing numbers of unemployment raises concerns around the world. With the arrival of the Fourth Industrial Revolution (4IR) many believed that 4IR might increase the unemployment rate by replacing the current jobs with automated machines such as robots whereas some argued that 4IR might reduce the unemployment rate by creating millions of new...
Article
Brunei Darussalam has been facing unemployment issue in the past few years. With the upcoming fourth industrial revolution (IR4.0) where there will be extensive use of machineries, robotics, and sensors, a shift in the job market is anticipated. This study aims to investigate the potential challenges on unemployment that Brunei Darussalam will face...
Article
Purpose Industrial Revolution 4.0 is still evolving. The purpose of this paper is to assess the progress of Indonesia in achieving an initiative for Industry 4.0. As the largest country in Southeast Asia, Indonesia plays a critical role in implementing Industry 4.0. In addition, this study proposes an open innovation strategies for small and medium...
Article
A digital marketplace is a virtual platform that creates values by managing interactions and transactions among participants in a multi-sided network. It creates a business ecosystem to support all participants, especially buyers and sellers, to transact efficiently and conveniently. Lately, digital marketplaces have created significant impact and...
Article
Borneo is the third-largest island in the world, sharing three countries: Indonesia, Malaysia, and Brunei Darussalam. There is rarely research conducted for cross-border tourism (CBT) in Borneo. The study examines tourism development in Borneo then assesses potentials and challenges associated with Brunei-CBT as gateway to tourism in Borneo. A qual...
Article
Full-text available
Financial Technology (FinTech) has become a disruptive innovation. Being one form of FinTech financing, peer-to-peer (P2P) lending has been widely developed and has grown rapidly for the last few years. The main challenge for P2P lending is on managing risks. FinTech with artificial intelligence (AI) can be used as a strategic tool in mitigating ri...
Article
Recently, we have witnessed many startup companies across the world gain a new capability in expanding their scope of businesses in terms of area of coverage and diversity of products/services offered very quickly. This capability is achieved through a well-orchestrated collaboration in offering attractive values to customers. One common thing that...
Article
Full-text available
This research examines individuals’ feasibility of adopting digital wallet also known as ‘eWallet.’ It aims at assessing the technological readiness among customers especially youth by measuring the acceptance level of digital wallet adoption in a massive implementation of the digital economy. Adoption of eWallet can potentially enhance the efficie...
Preprint
Full-text available
The Web technology provides healthcare providers the ability to broaden their services beyond the usual practices, and thus provides a particular advantageous environment to achieve complex e-health goals. This paper discusses how a Web 2.0 application will help healthcare provider to extend and enhance their services by involving and empowering th...
Chapter
Budgeting, portfolio management, and financial planning platforms are gaining popularity, especially among young people. They may be more willing to utilize a non-traditional financial service, especially if these alternatives are technologically advanced and are well in tune with the technological society. BeUsin is a proposed project for saving a...
Chapter
The emergence of cross-border e-commerce (CBE) has its relevance in this digital age and thus brings about the discussion regarding the challenges and potentials of CBE on the local business especially small medium enterprises (SMEs). The wide availability of technology has made CBE possible across geographical, political, and cultural borders. It...
Chapter
The rapid development of business gives access to many business organizations to develop a digital marketplace as a platform to become a global market leader. Digital marketplace is a digital platform that facilitates communications and transactions between many sellers and buyers. Developing the digital marketplace is widely used by many business...
Chapter
A portmanteau of financial technology (FinTech) centralizes on the innovative use of smart mobile devices to design and deliver financial services and products, elevating an innovative way of delivering financial services. The chapter mainly focuses on the definition and the importance of FinTech to the financial ecosystem especially in the Southea...
Chapter
Financial technology (FinTech) is not one to be ignored under any circumstances. It is not only growing as a concept but a phenomenon that has been manifested in non-financial sectors using innovative technology to bring financial services straight to the customers. The creation and practical applications of FinTech supported by government regulati...
Chapter
Millennial consumer behaviors approach purchasing or shopping things differently when compared to what earlier generations encountered. Each generational cohort shares a common technological, social, political, historical, and economic environment that shapes and distinguishes them from one another and the millennial generation is using social medi...
Chapter
Facebook has become widely known around the globe. This chapter applies marketing techniques to Facebook. The concern of using Facebook for both users and marketers is also elaborated in this study. Scenarios will help marketers to comprehend how knowledge management tools like plan-do-check-act (PDCA) and root cause analysis (RCA) are used in Face...
Article
Purpose The purpose of this paper is to investigate the enabling factors and the customers’ acceptance of ride-hailing in Indonesia. Design/methodology/approach The authors adopt some constructs from the unified theory of acceptance and use of technology (UTAUT) 2 as the framework for the study to derive factors that influence the acceptance of ri...
Article
Predicting future blood glucose (BG) levels for diabetic patients will help them avoid potentially critical health issues. We demonstrate the use of machine learning models to predict future blood glucose levels given a history of blood glucose values as the single input parameter. We propose an Artificial Neural Network (ANN) model with time-domai...
Article
Full-text available
Digital native generation is born during the digital era and know-how to use technology especially smartphone at an early age. Smartphones play a vital role in the increase of having nomophobia as this device offers many capabilities that it has become a daily essential. Digital natives and millennials generation have access to or owns at least one...
Article
Financial technology (FinTech) expands financial services to many people that are currently lacking access where customers enjoy using banking products and services provided by non-banking providers. FinTech changes the way people pay, send money, borrow, lend, and invest. FinTech enables financial solutions and innovative business models resulting...
Article
Full-text available
Extracting information from individual risk factors provides an effective way to identify diabetes risk and associated complications, such as retinopathy, at an early stage. Deep learning and machine learning algorithms are being utilized to extract information from individual risk factors to improve early-stage diagnosis. This study proposes a dee...
Article
Full-text available
Detecting self-care problems is one of important and challenging issues for occupational therapists, since it requires a complex and time-consuming process. Machine learning algorithms have been recently applied to overcome this issue. In this study, we propose a self-care prediction model called GA-XGBoost, which combines genetic algorithms (GAs)...
Chapter
This research is intended to identify successful organizational e-marketing strategies in order to assist small businesses in proactively formulating their marketing strategies. The use of a sequential explanatory research design is intended to accommodate the exploratory nature of the research and confirmatory for initial findings simultaneously....
Article
Full-text available
Software development usually follows the stages known as the Software Development Life Cycle (SDLC). Development begins with the requirements phase and then continues with the design, development of test plans, implementation (coding), testing, and deployment. However, the security aspect has not been explicitly reflected in SDLC. In fact security...
Article
Full-text available
Predicting future blood glucose (BG) level for diabetic patients will help them to avoid critical conditions in the future. This study proposed Extreme Gradient Boosting (XGBoost), an ensemble learning model to predict the future blood glucose value of diabetic patients. The clinical dataset of Type 1 Diabetes (T1D) patients was utilized and the pr...
Article
Full-text available
The international dimension of higher education has evolved into a central feature of Brunei's higher education sector for more than a decade. Despite the many benefits of internationalisation to students, host universities and host countries, challenges remain. While the internationalisation process has become the norm in the education sector, its...
Article
With the rise of smart cards, it has utilized so that multiple applications can be built into the technology. This research aims to offer a multipurpose smart card as a solution for the duplicate smart card system. Using a mixed methods approach, one hundred samples were collected from the public. The data was analyzed using descriptive statistics....
Article
Full-text available
The most challenging issue in Industry 4.0 is the reduction of the human workforce. This study proposes a mastery concept in identifying a job that can be replaced in Industry 4.0 by machine and a job that hardly replaced by a machine. It explains in a job matrix format distinguishing types of jobs that need machines or technologies for optimizatio...
Chapter
Financial technology (FinTech) has been developing at a tremendous rate all around the globe. This chapter will show how banking and financial system has evolved by financial technology which affected the way of how society is living now. There is a rapid change of FinTech for the past few years in Indonesia. These changes have made an impact to th...
Chapter
Financial technology (FinTech) is not one to be ignored under any circumstances. It is not only growing as a concept but a phenomenon that has been manifested in non-financial sectors using innovative technology to bring financial services straight to the customers. The creation and practical applications of FinTech supported by government regulati...
Chapter
A portmanteau of financial technology (FinTech) centralizes on the innovative use of smart mobile devices to design and deliver financial services and products, elevating an innovative way of delivering financial services. The chapter mainly focuses on the definition and the importance of FinTech to the financial ecosystem especially in the Southea...
Chapter
A two-sided market or two-sided network is made up of two distinct user groups that provide each other with network benefits in which they interact through an intermediary or platform. A digital marketplace makes use of a two-sided market where the two distinct groups are the buyers and sellers. A digital marketplace is a type of e-commerce site wh...
Chapter
This chapter evaluates food security policies and extension policies to the achievement of targets and the results of a development programme such as Food Self Sufficiency village (DMP) used Participatory Poverty Assessments (PPA). The output obtained is information that is an evaluation of how the policy was planned, initiated, and implemented. Pa...
Article
We are witnessing the digital transformation of businesses has spread across products or services, processes, and deliveries. New business models that take advantage of the digitation process are growing fast and digital platforms spring up in many parts of the world. As digital platforms rely on collaborative actors, viewing a digital firm in isol...
Article
Full-text available
Understanding public interest and opinion are necessary tasks in high intense political competition. Utilizing big data analytics from social media provide an important source of information that candidates can utilize, manage and even engage them in targeted political campaigning agenda. One of the source in big data is social media’s interactions...
Conference Paper
The most challenging issue in Industry 4.0 is the reduction of the human workforce. This study proposes a mastery concept in identifying a job that would be likely replaced in Industry 4.0 by machine and a job that hardly replaced by a machine. It explains in a job matrix format distinguishing types of jobs that need machines or technologies for op...
Conference Paper
The most challenging issue in Industry 4.0 is the reduction of the human workforce. This study proposes a mastery concept in identifying a job that can be replaced in Industry 4.0 by machine and a job that hardly be replaced by a machine. It explains in a job matrix format distinguishing types of jobs that need machines or technologies for optimiza...
Article
Full-text available
People and place cannot be separated. The study examines the recent development of indigenous people of Borneo Island, namely Dayak. Borneo Island is one of the heartbeats of the world, therefore, the Indonesian government preserves 45 percent of Borneo (Kalimantan) as conservation areas and forests. However, in the last few years, it has become th...
Article
Full-text available
Millennial consumer behaviors approach purchasing or shopping things differently when compared to what earlier generations encountered. Each generational cohort shares a common technological, social, political, historical, and economic environment that shapes and distinguishes them from one another and the millennial generation is using social medi...
Article
An ethical issues and distrust are pervasive in big data era. The largest data leaks in the social media’s history were the controversy of Facebook data breach to unauthorized parties. Big data are useful for business to analyze large sets of heterogeneous data effectively. Because big data is seemingly accessible does not make it ethical for busin...
Article
Full-text available
A successful healthcare organization exists when it provides good quality service. Powered by technological changes like big data, cloud computing, and Internet of Things, healthcare information is accessed and owned and the patient has become evolving within the healthcare environment. This affects the relationship between healthcare provider and...
Poster
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Article
Nomophobia is a form of behavioral addiction towards smartphone referring to the anxiety caused by disconnected from the mobile network or inability to have access to a smartphone. Nomophobia has multi-dimensional traits ranging from social, physiological, and physical symptoms that are summarized into very dependency upon smartphone. The study exa...
Chapter
The recent development of Web 2.0, cloud computing and its related technologies are contributing towards the tendency to utilize mobile services and e-participation through Web 2.0. It offers users the ability to have greater control of information flow in public spaces, making active participation highly possible. Citizens are empowered in the sen...
Chapter
The use of smartphones is generating large amounts of data. The term “big data” has become popular in describing a massive data, both structured and unstructured. Big data refers to high volume, high velocity, and high variety. This study used an inductive approach involving the distribution of a questionnaire to gain an understanding of smartphone...
Chapter
Global adoption of smartphones has changed the way people communicate, interact and perform their daily tasks. Smartphones have many highly attractive features that assist people in performing their daily tasks. This paper discusses a survey on the utilization of smartphones by consumers in Brunei Darussalam (Brunei). We use the Theory of Reasoned...
Article
Full-text available
Agriculture plays an important in providing food security and sustainability for the people in any country. However, lack of funding and limited distribution channels to reach customers are frequent problems faced by farmers to meet the level of sustainability. Agriculture’s sustainability can be strengthened by allowing an innovation of services s...
Chapter
The use of smartphones is generating large amounts of data. The term “big data” has become popular in describing a massive data, both structured and unstructured. Big data refers to high volume, high velocity, and high variety. This study used an inductive approach involving the distribution of a questionnaire to gain an understanding of smartphone...
Chapter
The recent adoption of cloud computing, Web 2.0 (web as a platform), and Big Data technologies have become the main driver of the paradigm shift. For higher education, choosing the right platform for a next generation of Learning Management System (LMS) namely LMS 2.0 is becoming more important than choosing a tool in the new paradigm. This chapter...
Chapter
Facebook has become widely known around the globe. This chapter applies marketing techniques to Facebook. The concern of using Facebook for both users and marketers is also elaborated in this study. Scenarios will help marketers to comprehend how knowledge management tools like plan-do-check-act (PDCA) and root cause analysis (RCA) are used in Face...
Preprint
UNSTRUCTURED Extending e-Health services with social networking through Web 2.0 is the main concern of this paper. This paper discusses how Web 2.0 applications will help healthcare providers extend and enhance their services by involving and empowering their customers. A survey was conducted in Malang, East Java, Indonesia to reveal expectations o...