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All Journal Akuntansi Krida Wacana Technomedia Journal STATERA: Jurnal Akuntansi dan Keuangan Jurnal Muara Ilmu Ekonomi dan Bisnis Jurnal Akuntansi Jurnal Bina Akuntansi Jurnal Paradigma Akuntansi Proceedings of The International Conference on Business and Economics Sinergi: Jurnal Pengabdian Kepada Masyarakat International Journal of Application on Economics and Business Proceeding of International Conference on Entrepreneurship (IConEnt) Jurnal Akuntansi International Transactions on Artificial Intelligence (ITALIC) Jurnal Serina Abdimas
Hadi Cahyadi
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences

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Competitive Differentiation Through Sustainability: Bank Jago’s Strategic Response to Inter-Firm Competition Hadi Cahyadi; Yohana F. Cahya Palupi Meilani; Ardi Ardi
Proceedings of the International Conference on Entrepreneurship (IConEnt) Vol. 5 (2025): Proceedings of the 5th International Conference on Entrepreneurship (IConEnt)
Publisher : Universitas Pelita Harapan

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Abstract

This study aims to analyze the strategic responses of Bank Jago, a leading digital bank in Indonesia, to the evolving competitive landscape shaped by fintech innovation and regulatory dynamics. Employing a qualitative case study approach, this research draws on Bank Jago’s annual reports, industry analyses, and news sources, applying PESTEL, Porter’s Five Forces, SWOT, SPACE matrix, and Strategic Sustainability frameworks to comprehensively evaluate the bank’s external environment, competitive position, internal capabilities, and competitive differentiation through sustainability. The findings indicate that Bank Jago benefits from supportive government policies, rapid technological advancements, and a growing urban, tech-savvy customer base, while facing challenges such as stringent regulatory requirements, rising competition from regional fintech firms, and economic volatility. Strategic partnerships, particularly with fintech platforms like Gojek, and innovative digital banking services such as the ‘Pockets’ feature, have strengthened Bank Jago’s market position. The SPACE matrix analysis suggests an aggressive strategic posture, emphasizing growth and innovation to capitalize on market opportunities. The study concludes that Bank Jago’s adaptive strategies, focused on digital transformation, customer-centric innovation, regulatory compliance, and environmental sustainability, will be pivotal for its sustained competitive advantage and expansion in Indonesia’s digital banking sector.
Co-Authors Agus Wahyono Anton Wachidin Widjaja Ardi Ardi Aurelia, Ophilia Berenice, Muliawati Catherine Surya Christiana, Jesslyn Danny, Mario Gho Delvinia Tania Elisa Elisa Ervina, Clarrisa Fetty Kwartati Hamdan Hamdan Haris Maupa Henryanto Wijaya HENRYANTO WIJAYA Jenny, Jenny Kho, Christian Louis Utama Madhavani, Joceline Metio Alberto Morgan, Christopher Elihu Billy Nicholas Richardson Oey Hannes Widjaya Oey Hannes Widjaya Ovelia Pramono, Rudy Putri, Naomi Hansen Rangi, Noah Ratih, Arista Rich, Kelly Salim, Susanto SRI RAHAYU Sugiarto S Susanto Salim Tan, Jacob Donald Tanuwijaya, Suwandhi Vaher, Kristina Yenny Lego Yohana F. Cahya Palupi Meilani