REVOLUSI PERBANKAN DIGITAL: GAME CHANGER DALAM ERA DIGITALISASI

MUHAMMAD KHOIRUL FUDDIN, AVILLA NADHIF FIRJATULLAH, MUHAMMAD AZAM HIZBULLAH, PUTRI ALIF SYA'DIYAH, REGITA NANDA ERLITASARI

Abstract


Digitalisasi menandakan peralihan ke era digital, dan di sektor perbankan, digitalisasi merupakan proses transformasi dari prosedur manual ke sistem digital. Transisi ini memanfaatkan alat digital untuk meningkatkan efisiensi dan kenyamanan sehari-hari. Salah satu aspek menonjol dari digitalisasi perbankan adalah menjamurnya aplikasi mobile banking, yang memungkinkan individu melakukan transaksi keuangan melalui ponsel pintar mereka. Penelitian ini menyelidiki dampak mobile banking, atau m-banking, dalam mengubah perilaku masyarakat menjadi lebih efektif dan efisien sekaligus mempengaruhi pertumbuhan ekonomi di Indonesia dan, akibatnya, kesejahteraan masyarakatnya. Dengan menggunakan pendekatan kualitatif dan dibantu oleh alat komputasi database seperti Publish or Perish dan VOSviewer, penelitian ini mengidentifikasi pendorong utama di balik digitalisasi perbankan. Mobile banking, terutama di tengah pandemi COVID-19 dan kebijakan pemerintah, telah memicu perubahan kebiasaan konsumen. Potensi adopsi mobile banking oleh nasabah sangatlah besar, sehingga mendorong peningkatan inovasi di bidang ini di kalangan bank konvensional. Kemudahan bertransaksi kapan pun dan di mana pun dapat dirasakan oleh masyarakat memberikan kontribusi terhadap pertumbuhan ekonomi Indonesia dengan mengefektifkan aktivitas perekonomian. Penelitian ini menggarisbawahi dampak besar digitalisasi perbankan, terutama melalui m-banking, terhadap lanskap keuangan Indonesia yang terus berkembang.

Keywords


Digitalisasi perbankan; pandemi Covid-19; pertumbuhan ekonomi

References


Ananwude, A. C. (2021). Commercial banks regulation and intermediation function in an emerging market. Economic Journal of Emerging Markets, 13(1). https://doi.org/10.20885/ejem.vol13.iss1.art7

Bekker, M. C. (2005). Defining a project life-cycle for implementating a high-tech project in rural Southern Africa - A case study. SAIEE Africa Research Journal, 96(3). https://doi.org/10.23919/saiee.2005.9488050

Boufounou, P., Mavroudi, M., Toudas, K., & Georgakopoulos, G. (2022). Digital Transformation of the Greek Banking Sector in the COVID Era. Sustainability (Switzerland), 14(19). https://doi.org/10.3390/su141911855

Epley, D. R., & Liano, K. (1999). The residential mortgage supply function of commercial banks. Urban Studies, 36(11). https://doi.org/10.1080/0042098992700

Eviliyanto. (n.d.). ANJUNGAN TUNAI MANDIRI (ATM) PERBANKAN DI KOTA SURAKARTA.

Fitria, A., Munawar, A., & Pratama, P. P. (2021). Pengaruh Penggunaan Internet Banking, Mobile Banking Dan SMS Banking Terhadap Kepuasan Nasabah Bank BNI. Jurnal Informatika Kesatuan, 1(1). https://doi.org/10.37641/jikes.v1i1.406

Galazova, S. S., & Magomaeva, L. R. (2019). The transformation of traditional banking activity in digital. International Journal of Economics and Business Administration, 7. https://doi.org/10.35808/ijeba/369

Indrayani, Wibisono, C., Aritra, S., & Muda, I. (2019). Customer satisfaction as intervening between use Automatic Teller Machine (ATM), Internet Banking and quality of loyalty (Case in Indonesia). International Journal of Financial Research, 10(6). https://doi.org/10.5430/ijfr.v10n6p54

Kitsios, F., Giatsidis, I., & Kamariotou, M. (2021). Digital transformation and strategy in the banking sector: Evaluating the acceptance rate of e-services. Journal of Open Innovation: Technology, Market, and Complexity, 7(3). https://doi.org/10.3390/joitmc7030204

Lidia Yunita. (2016). Analisis pemanfaatan fungsi atm terhadap peningkatan pelayanan pada nasabah PT. BCA tbk Medan.

Luo, Z. (2020). Study on the Prevention and Controlling of Dissimilation of Social Functions of Commercial Banks Based on the Fulfillment of Social Responsibility of Chinese Commercial Banks. Modern Economics & Management Forum, 1(2). https://doi.org/10.32629/memf.v1i2.150

MADAN, A., & Rosca, M. I. (2022). Current Trends in Digital Marketing Communication. Journal of Marketing Research and Case Studies. https://doi.org/10.5171/2022.981169

Marcu, M. R. (2021). The impact of the COVID- 19 pandemic on the banking sector. Management Dynamics in the Knowledge Economy, 2.

Mustomi, D., & Puspasari, A. (2020). Pengaruh Media Sosial Terhadap Perilaku Konsumtif Mahasiswa. CERMIN: Jurnal Penelitian, 4(1), 133. https://doi.org/10.36841/cermin_unars.v4i1.496

Nazarudin, H., Bisnis, J. A., & Kupang, P. N. (2021). Kualitas Layanan Sms Banking Dan Loyalitas. JUrnal Bisnis Dan Manajemen, 6(2).

Pembangunan, J., Fondasi, P. :, Aplikasi, D., Ngafifi, M., Negeri, S., & Wonosobo, S. (n.d.). Kemajuan Teknologi dan Pola Hidup Manusia ... Muhamad Ngafifi 33 KEMAJUAN TEKNOLOGI DAN POLA HIDUP MANUSIA DALAM PERSPEKTIF SOSIAL BUDAYA. http://www.tempo.co/read/news/2010/12/23

Penggunaan Aplikasi Mobile Banking Pada Bank Konvensional dan Bank Syariah di Nusa Tenggara Barat: Pembuktian Model Unified Theory of Acceptance and Use of Technology (UTAUT). (n.d.).

Rochmah, S., & Ernawati, F. Y. (2022). Pengaruh Layanan Automatic Teller Machine (ATM), Internet Banking, Dan Mobile Banking Terhadap Tingkat Kepuasan Nasabah. Jurnal Ilmiah Infokam, 18(1). https://doi.org/10.53845/infokam.v18i1.315

Shah, K., Chadotra, S., Tanwar, S., Gupta, R., & Kumar, N. (2022). Blockchain for IoV in 6G environment: review solutions and challenges. Cluster Computing, 25(3). https://doi.org/10.1007/s10586-021-03492-0

Shambour, M. K., & Gutub, A. (2022). Progress of IoT Research Technologies and Applications Serving Hajj and Umrah. Arabian Journal for Science and Engineering, 47(2). https://doi.org/10.1007/s13369-021-05838-7

Sibuea, F. P. J., & Napitupulu, T. A. (2020). Evaluation of using SMS banking using modification of UTAUT model: Case study of Bank XYZ. Journal of Theoretical and Applied Information Technology, 98(7).

Song, S., Tian, Y., & Zhou, D. (2021). Reverse logistics network design and simulation for automatic teller machines based on carbon emission and economic benefits: A study of the anhui province atms industry. Sustainability (Switzerland), 13(20). https://doi.org/10.3390/su132011373

Tekad, S. (2017). “ Satukan Hati, Satukan Tekad untuk UKMC Hebat “.

Tua, B., Dosen, S., Mandiri, P., & Medan, B. P. (n.d.). STRATEGI OPTIMALISASI PENGGUNAAN SMS BANKING KEPADA NASABAH PADA PT BANK SUMUT KANTOR CABANG SIMPANG KWALA MEDAN.

Umamaheswari, K., & Vijay, C. R. (2017). Mobile Banking Technology Emphasis and ITS Impact on Enhancement of Digitalization. International Journal of Social and Economic Research, 7(1). https://doi.org/10.5958/2249-6270.2017.00002.2

Wang, X., & Liu, S. (2013). Guided requirements clarification for automatic formalization. SNPD 2013 - 14th ACIS International Conference on Software Engineering, Artificial Intelligence, Networking and Parallel/Distributed Computing. https://doi.org/10.1109/SNPD.2013.56

Willcocks, L. P., & Lester, S. (1999). Information Technology: Transformer or Sink Hole? In Beyond the IT Productivity Paradox.




DOI: http://dx.doi.org/10.15548/al-masraf.v8i2.598

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

  

View My Stats