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All Journal Advances In Social Humanities Research
Sintaully Anggia C
ITB Kampus Jakarta
Humanities Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Bridging the Agility Gap: A Strategic Framework for Commercial Banks to Enter the Un-Banked Lending Market Sintaully Anggia C; Jagat Prirayani
Advances In Social Humanities Research Vol. 4 No. 9 (2026): Advances In Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v4i9.637

Abstract

Extending sustainable finance to Indonesia’s unbanked Micro, Small, and Medium Enterprise (MSME) sector presents a structural paradox. Traditional commercial banks possess a significant competitive advantage through access to low-cost capital, yet they are consistently disintermediated by fintech disruptors that offer faster services despite charging higher interest rates. This research investigates the root causes of this market displacement based on the theories of Information Asymmetry and Transaction Cost Economics (TCE). By integrating empirical data from a Principal Component Analysis (PCA) of MSME market demands and an Analytic Hierarchy Process (AHP) of banking executive priorities, this study identifies the specific areas where conventional banking models fail to meet market expectations. It develops a 12-cell Strategic Alignment Matrix that reveals a critical agility gap. To address this challenge, this paper proposes a paradigm shift toward an API-driven, B2B2C (Business-to-Business-to-Customer) Ecosystem Financing Model. This redesigned business process leverages open banking, smart contract automation, and closed-loop disbursement mechanisms to achieve fintech-level service speed. By systematically reducing operational costs through technology integration, banks can accommodate a realistic 4.5% Non-Performing Loan (NPL) rate while maintaining the risk tolerance required for sustainable and accelerated financial inclusion.
Co-Authors Jagat Prirayani