Agustini, S.E., M.M., CSA, CIB

Agustini is an academic and researcher specializing in accounting, banking, financial markets, and financial technology. Her research reflects an interdisciplinary approach that integrates digital banking, financial reporting, capital market analysis, and corporate governance to examine how technological innovation and financial policies influence organizational performance and investor decision-making. Through empirical studies, she contributes to the understanding of financial systems within the context of digital transformation and sustainable economic development.

A significant portion of her research focuses on banking and financial technology. Her studies investigate digital transformation, customer trust, bank performance, and the adoption of electronic payment systems within the FinTech ecosystem. Her work provides insights into how digital innovation and organizational characteristics contribute to improving banking performance and customer engagement in the digital era.

Agustini has also made substantial contributions to research on financial reporting and corporate governance. Her publications examine audit quality, institutional ownership, financial restatements, XBRL adoption, earnings relevance, and the moderating role of Environmental, Social, and Governance (ESG) practices on firm value. These studies highlight the importance of transparency, reporting quality, and governance in enhancing corporate performance and investor confidence.

In addition, her research extends to capital markets, investment behavior, and financial performance. Her studies analyze investor sentiment, IPO performance, safe haven assets, foreign portfolio investment, and comparative stock market performance across Indonesia and Malaysia. By combining quantitative financial analysis with contemporary banking and investment issues, her work contributes to the advancement of accounting, finance, and digital financial services.

KEY RESEARCH AREAS

• Banking & Financial Services
• Financial Technology (FinTech)
• Capital Market
• Financial Reporting
• Corporate Governance
• Investment Analysis