TRANSFORMASI DIGITAL PADA PERBANKAN KONVENSIONAL: ANCAMAN ATAU PELUANG?
DOI:
https://doi.org/10.24843/EJMUNUD.2025.v14.i12.p05Kata Kunci:
kolaborasi fintech-bank; perbankan konvensional; transformasi digitalAbstrak
Transformasi digital di sektor perbankan konvensional merupakan fenomena yang semakin penting di era teknologi finansial (fintech). Artikel ini merupakan kajian literatur untuk mengeksplorasi dinamika transformasi digital pada bank-bank konvensional, dengan fokus pada peluang, tantangan, dan strategi adaptasi yang diterapkan. Melalui telaah berbagai sumber ilmiah dan laporan industri, ditemukan bahwa digitalisasi bukan hanya soal penerapan teknologi, melainkan juga perubahan mendasar pada model bisnis, budaya organisasi, serta regulasi yang mendukung inovasi. Kolaborasi antara bank dan fintech muncul sebagai strategi kunci dalam memperkuat daya saing dan memperluas inklusi keuangan. Regulasi adaptif dan perlindungan data menjadi faktor krusial dalam menciptakan ekosistem digital yang sehat. Kajian ini juga mengidentifikasi kebutuhan penelitian lebih lanjut yang mendalam dan empiris untuk mengukur dampak transformasi digital secara kuantitatif dan kualitatif. Temuan ini memberikan kontribusi penting bagi akademisi, pelaku industri, dan pembuat kebijakan dalam mengakselerasi inovasi perbankan di Indonesia.
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