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All Journal JDM (Jurnal Dinamika Manajemen) Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan International Journal of Supply Chain Management Seminar Nasional Lahan Suboptimal Aptisi Transactions on Technopreneurship (ATT) Jurnal Doktor Manajemen (JDM) Dinasti International Journal of Management Science Dinasti International Journal of Education Management and Social Science Dinasti International Journal of Digital Business Management JURNAL MANAJEMEN DAN BISNIS EQUILIBRIUM Jurnal Scientia Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal of Social Service and Research COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Journal Of World Science Jurnal Ekonomi dan Bisnis Digital (MINISTAL) Indonesian Journal of Business Analytics (IJBA) Jurnal Abdimas Perbanas International Journal of Advanced Multidisciplinary Business and Entrepreneurial Review Economics and Business Journal Journal Research of Social Science, Economics, and Management Innovative: Journal Of Social Science Research International Journal of Law, Policy and Governance Journal of Sustainable Economic and Business Social & Economic Bulletin
Lenny Christina Nawangsari
Universitas Mercu Buana
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Transportation Other

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Journal : journal of world science

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Digital Bank Transformation: Sustainable Innovation in Financial Institutions Sendjaja, Theodorus; Rivai Zainal, Veithzal; Sofriana Imaningsih, Erna; Christina Nawangsari, Lenny; Johanes Lo, Singmin
Journal of World Science Vol. 1 No. 12 (2022): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jws.v1i12.136

Abstract

Introduction: Bank digital transformation is a continuous innovation from conventional commercial banks to digital banks. The driving force in traditional retail banks to carry out sustainable innovation can be seen from the internal and external sides in the form of mutually supportive operations and strategies. In the face of competitive pressures, businesses in the financial services industry increasingly depend on innovation and sustainability to succeed and survive. The stress of business competition has made many banks worldwide close their branch offices in recent years. Method: This study is a literature study that collects theoretical references relevant to sustainable innovation in financial institutions, focusing on two main topics: sustainable digital technology innovation in Fintech and banks' digital transformation. Result: Fintech uses digital technology as a sustainable solution in offering financial inclusion services that are difficult for old players in the financial industry to fulfill. Fintech appears in peer-to-peer lending, virtual marketplaces and digital currencies. For the Bank's digital transformation, several regulations from the Financial Services Authority related to sustainable innovation must be complied with. Financial Services Authority Regulation Number 51/POJK.03/2017 concerning implementing Sustainable Finance for Financial Services Institutions, Issuers and Public Companies. Financial Services Authority Regulation Number 13/POJK.02/2018 concerning Digital Financial Innovation in the Financial Services Sector. Conclusion: The driving force in the Company to carry out sustainable innovation can be seen from the internal and external sides in the form of mutually supportive operations and strategies. The proposed digital transformation strategy for the Bank's continuous innovation is as follows: compliance with regulators, customer-centric, openness principles, and making digital a core value in business.
Co-Authors A.M. Nur Huda Kalimullah Achmad Hidayat Sutawidjaya Achmad Hidayat Sutawijaya Adhy Purnama, Adhy Aditya Saputra Aditya, Gerry Afrianda, Rio Ahmad Badawi Saluy Aima, Havidz Aima Andini Ayu Larasati Anggara, Ricko Arisandi Dwiharto Azizah, Zahra Nur Bambang Purwoko Kusumo Bintoro Bambang Purwoko Kusumo Bintoro Bosman Butarbutar Butarbutar, Bosman Dofitra, Khofifah Salsabila Eka Lia Sinuraya Erma Sofriana Irmaningsih Erna Sofriana Imaningsih Farida Farida Garingging, Robin Hendra S Gunardi Endro Gustiah, Indira Puspa Henny Hendarjanti Heny Desi Soviana Heri DB Herry Agung Prabowo Hidayat Sutawijaya, Ahmad Hosam Alden Riyadh A.Alazeez Huda Kalimullah, A.M. Nur Huiping, Huang Hutomo, Yulius Irwanto Putera Suwandi Indira Puspa Gustiah Indri Yani Marcelina Irfan Fahmi, Irfan Kasmir Kasmir Kasmir Kasmir Kasmir, Kasmir Kusumo Bintoro Kusumo Bintoro Kusumo Bintoro Malau, Angelina Agustina Masydzulhak Djamil MZ Masyhudzulhak Djamil Mayangsari, Resti Eva Novita Sari Novita Sari Nurul Sukma Lestari Pritta Dhiya Prameswari Putri Maya Sulistiani Rian Indra Wibowo Rina Alfrina Robin Garingging Rosalina Rosalina Sendjaja, Theodorus Setyo Riyanto Sigmin Johanes Lo Simanjuntak, Afriani Liliani Singmin Johanes Lo Siska Lestari Siska Lestari Sri Fatmayenti Sri Fatmayenti Sulistyanto, Tri Hadi Supriyanto Supriyanto Sutawidjaya, Ahmad Hidayat Suwandono, Danang Syafrizal Chan Syahidun, Syahidun Todoan Faldy Veithzal Rivai Zainal Veithzal Rivai Zainal Werdiningsih Werdiningsih Widiadibrata, Sri Witjaksono Yananto Mihadi Putra Yohanes Ferry Cahaya Yulius Irwanto Putera Suwandi Hutomo Yurianti, Erni