Kebutuhan transformasi bank digital Indonesia di era revolusi industri 4.0

Abstract

The occurrence of the Covid-19 pandemic forced humans to adapt to technology, not least in terms of finance, namely transactions in banking. This study aims to analyze the transformation of the banking industry into a digital bank in providing services to customers. This research is a type of qualitative research using secondary data from reliable literacy. The results of this study indicate that the transformation into a digital bank provides many advantages for banks to be able to continue to survive in running their business. Where digital banks are the choice of customers in transacting in the financial sector because it is easy, fast, and efficient. Transforming into a digital bank can also increase more customers and fee base income for banks because they can collaborate with fintech and e-commerce and can be efficient in managing bank assets which in turn can increase bank profits exponentially. However, in transforming into a digital bank, banks must have a strong foundation, especially in terms of infrastructure and security of customer data that is vulnerable to hacking attacks (cyber crime). So that in the Industrial Revolution 4.0 era technology is the main key in winning the competition and remaining sustainable in running a business, for that the banking sector in Indonesia is required to continue to innovate in providing the best service to its customers.

Digital bank transformation: A content analysis of SEABank

“…Since digital banks do not have physical branches, they can offer their services at a lower cost than traditional banks. This makes it possible for digital banks to provide financial services to people who were previously unable to afford them (Suharbi & Margono, 2022;Yani et al, 2021). The lowcost model of digital banks also enables them to offer higher interest rates on savings accounts, making them an attractive option for savers.…”

Pemahaman Nasabah terhadap Take Over Gadai Emas di Pegadaian ke Gadai Emas di Bank Syariah Mandiri

“…Hal ini yang membuat jasa keuangan seperti perbankan harus memiliki strategi yang tepat untuk memenangkan persaiangan. Salah satu strategi yang dimiliki perbankan adalah Take Over (Suharbi & Margono, 2022). Take Over adalah sebuah peralihan pinjaman antara satu pihak ke pihak lain atau bank secara resmi dan sah sesuai dengan ketentuan-ketentuan hukum yang berlaku termasuk dalam perbankan syariah (Nurasikin, 2021).…”

Persepsi Pemilik Usaha Mikro, Kecil Dan Menengah Terhadap Penggunaan Pembayaran Secara Elektronik

“…Awal pandemi Coronavirus Disease 2019 (atau dikenal dengan istilah Covid-19) telah memberi dampak negatif bagi pertumbuhan ekonomi global, dampak Covid-19 melemahkan konsumsi rumah tangga, serta daya beli masyarakat, menurunnya investasi di berbagai bidang usaha, penurunan penerimaan pajak negara, pergeseran pola bisnis, sampai pada penerapan bisnis yang berubah (dari yang bersifat luring ke daring), dan masih banyak lagi dampak lain yang terjadi (Bappenas, 2020). Pandemi juga memiliki pengaruh yang buruk pada ekonomi dunia, seperti mobilitas perdagangan internasional baik produk maupun orang menjadi terhenti, melemahkan berbagai industri seperti pariwisata dan memutus rantai pasokan global (Suharbi & Margono, 2022). Pandemi Covid-19 mengguncang perekonomian seluruh negara, tidak terkecuali Indonesia.…”