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Natal Indra
Universitas Bina Sarana Informatika
Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Journal : dynamic management journal

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BUILDING STRATEGIC CAPABILITY IN ENHANCING COMPETITIVE ADVANTAGE: EVIDENCE FROM BANK BJB IN INDONESIA’S DIGITAL BANKING TRANSFORMATION Natal Indra; Syukron Sazly; Suryanto Sosrowidigdo
Dynamic Management Journal Vol. 10 No. 3 (2026): July
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/ne1k4q84

Abstract

This study examines how digital capability, strategic agility, and innovation capability contribute to the competitive advantage of Bank BJB amid intensifying digital banking competition in Indonesia. The rapid growth of financial technology (fintech), the QRIS ecosystem, artificial intelligence (AI)-based banking services, and changing customer behavior has accelerated digital transformation across the banking industry. This study adopts a qualitative descriptive case study approach using secondary data collected from annual reports, banking industry publications, government reports, and credible media sources. The findings indicate that Bank BJB has strengthened its digital banking ecosystem, customer-oriented service innovation, and strategic responsiveness through mobile banking expansion, QRIS integration, digital payment systems, and operational digitalization initiatives. These capabilities collectively enhance organizational competitiveness, adaptability, operational efficiency, and long-term sustainability. The study recommends strengthening AI-driven banking services, cybersecurity systems, fintech collaboration, and digital customer experience. The study is limited by its qualitative approach and reliance on secondary data.
Co-Authors Ade Apriliyani Ade Onny Siagian Aldaina, Adien Alimatuts Satdiah Amelia Agustina, Nanda Anggari Ninditia, Juniar Angraeni, Agnes Aryal, Narayan Prasad Asyifa, Haana Citradewi, Jihan Daniel Daniel Dian Berliansyah Putra Dilla Dwi Puspita Sari Dwi Lestari, Mutia Dwi Mahdi Mahesa Elmira Siska Endang Wahyudi Fazhar Sumantri Fiqi Akbar Ghina Darmawan, Farras Hafids Ramadana, Dinda Hani Rosmawati Haryanto Haryanto Heri Aryadi heri aryadi, heri Indira Safitri Intan Permata Desi Iqbaal Dwi Fajarianto, Muchamad Jihan Citradewi Juan Isma, Miftahul Kurniawan Kurniawan Lely Aisyah Danda Arviana Maria Lapriska Dian Ela Revita Mega Harti Meliana Rafa, Ovita Muchamad Iqbaal Dwi Fajarianto Muhammad Rizky Ramadhan Nadya Stephanie Hardiyanti Nanda Amelia Agustina Nasution, Nur Halisa Nur Pratama Julianto Nurmasita, Sella Potoru, Andreas Yoesbil Alison Putri Amanda Renny Afrianti Rini Martiwi Riszka Utami, Aisyah Salsabila Nur Azizah Saputri, Rasyiqah Zatalini Sartika Novita Sari Satdiah, Alimatuts Singh, Gobind Kumar SITI NURJANAH Sucipto, Rakhmat Hadi Suryanto Sosrowidigdo Syafitriyani Syafitriyani Syukron Sazly Taufik Baidawi, Taufik Warsono Widia Astuti Widia Sari, Annisa Wijaya, Ragil Sena