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All Journal Jurnal Manajemen dan Agribisnis The Indonesian Journal of Business Administration Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Explore: Jurnal Sistem Informasi dan Telematika (Telekomunikasi, Multimedia dan Informatika) Primary: Jurnal Pendidikan Guru Sekolah Dasar Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Fountain of Informatics Journal Sistemasi: Jurnal Sistem Informasi JOIV : International Journal on Informatics Visualization Tazkia Islamic Finance and Business Review Jurnal Sistem dan Manajemen Industri JRSI (Jurnal Rekayasa Sistem dan Industri) Kinetik: Game Technology, Information System, Computer Network, Computing, Electronics, and Control Jurnal PAJAR (Pendidikan dan Pengajaran) JURNAL TEKNIK INFORMATIKA DAN SISTEM INFORMASI The Accounting Journal of Binaniaga Technomedia Journal SEIKO : Journal of Management & Business Jiko (Jurnal Informatika dan komputer) Jurnal Nasional Pendidikan Teknik Informatika (JANAPATI) J-SAKTI (Jurnal Sains Komputer dan Informatika) JURIKOM (Jurnal Riset Komputer) JURTEKSI Jurnal Ilmiah Mandala Education (JIME) JIPI (Jurnal Ilmiah Penelitian dan Pembelajaran Informatika) Systemic: Information System and Informatics Journal IJIES (International Journal of Innovation in Enterprise System) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jutisi: Jurnal Ilmiah Teknik Informatika dan Sistem Informasi Jurnal Teknologi Informasi dan Multimedia Journal of Information Systems and Informatics Jurnal Teknologi Dan Sistem Informasi Bisnis Zonasi: Jurnal Sistem Informasi Jurnal JTIK (Jurnal Teknologi Informasi dan Komunikasi) JISA (Jurnal Informatika dan Sains) JOURNAL OF INFORMATION SYSTEM RESEARCH (JOSH) International Journal of Advances in Data and Information Systems MALIA: Journal of Islamic Banking and Finance Akrab Juara : Jurnal Ilmu-ilmu Sosial Jurnal Teknik Informatika (JUTIF) KLIK: Kajian Ilmiah Informatika dan Komputer J-SAKTI (Jurnal Sains Komputer dan Informatika) TIERS Information Technology Journal Jurnal Pajak dan Bisnis (Journal of Tax and Business) INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Economic Reviews Journal eProceedings of Engineering Eduvest - Journal of Universal Studies Ranah Research : Journal of Multidisciplinary Research and Development Jurnal Sistem Informasi Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah Jurnal Harmoni: Jurnal Akuntansi dan Keuangan Kesatria : Jurnal Penerapan Sistem Informasi (Komputer dan Manajemen) Scientific Journal of Informatics Al-Infaq : Jurnal Ekonomi Islam
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Journal : Jurnal Teknik Informatika (JUTIF)

Ambidextrous AI Governance Model for Advancing State-Owned Bank in Indonesia Digital Transformation Through COBIT 2019 Traditional and DevOps Ramdani, Rama Putra; Mulyana, Rahmat; Adi, Taufik Nur
Jurnal Teknik Informatika (Jutif) Vol. 6 No. 4 (2025): JUTIF Volume 6, Number 4, Agustus 2025
Publisher : Informatika, Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52436/1.jutif.2025.6.4.4835

Abstract

Integrating artificial intelligence into the banking sector accelerates digital transformation, but it also presents governance challenges, particularly in striking a balance between innovation and regulatory compliance, risk management, and operational control. This research proposes an ambidextrous AI governance model by combining two distinct yet complementary mechanisms from COBIT 2019: the structured, control-oriented Traditional framework and the agile, adaptive DevOps Focus Area. This dual approach enables organizations to pursue innovation and maintain governance stability simultaneously. The study investigates BankCo’s, a state-owned bank in Indonesia that is undergoing a systemic digital transformation and applies the Design Science Research (DSR) methodology with a case study approach. Collecting data through five semi-structured interviews with key IT Governance, Risk, and Compliance stakeholders and triangulated with internal policy documents, annual reports, and audit trails. The analysis identified two prioritized Governance and Management Objectives (GMOs), MEA03 (Managed Compliance with External Requirements) and APO12 (Managed Risk), based on design factors, regulatory alignment (POJK No. 11/2022 and SOE Minister Regulation No. PER-2/MBU/03/2023), and agile governance needs. A maturity gap analysis revealed areas for improvement across people, process, and technology dimensions, with the proposed model raising governance capability from 3.55 to 3.95. The proposed model applies multidimensional prioritization through Resource-Risk-Value (RRV) analysis. This study presents a practical and auditable approach to ethical AI governance that strikes a balance between innovation and accountability. The model supports digital transformation in banks and contributes to information systems governance by linking the ethical use of AI with agile yet compliant practices in regulated environments.
AGILE IT SERVICE MANAGEMENT DESIGN OF FINTECHCO DIGITALIZATION BASED ON COBIT 2019 DEVOPS FOCUS AREA Achmad Fadhli Satriadi; Mulyana, Rahmat; Fauzi, Rokhman
Jurnal Teknik Informatika (Jutif) Vol. 4 No. 5 (2023): JUTIF Volume 4, Number 5, October 2023
Publisher : Informatika, Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52436/1.jutif.2023.4.5.1304

Abstract

The Indonesian Financial Technology (Fintech) industry plays a pivotal role in driving digital technology advancements and propelling the nation's growth. The rapid development of Fintech presents a unique challenge for established financial companies, necessitating effective government regulation through a Sandbox approach. FintechCo, operating under the watchful eye of State-Owned Enterprises and the Financial Service Authority, must strike a delicate balance between their agile services and security risks. Hence, FintechCo necessitates an examination of optimal agile services through the utilization of five stages derived from the Design Science Research approach. This need arises to adhere to the Good Corporate Governance standards established by State-Owned Enterprises (SOE) and the Financial Services Authority (FSA). The cutting-edge COBIT 2019 DevOps Focus Area framework is employed for analysis. The research identifies three highest priority Governance and Management Objectives (GMOs): Managed Security Services (DSS05), Managed Problem (DSS03), and Managed Solution Identification and Build (BAI03). These GMOs are thoroughly evaluated, and comprehensive recommendations are provided based on their seven key components. There is an estimated 17% increase in the average capability score, from 2.82 to 3.30, across all three GMOs. The contribution of this study is twofold: to serve as a valuable knowledge resource for agile IT services in digitalization within organizations and to offer practical implications for FintechCo to enhance their digitalization. Furthermore, this research sets a precedent for the Fintech industry, signifying a benchmark for excellence and innovation.
A TOGAF 10-Based Enterprise Architecture Framework for Digital Transformation in SME Banks Sari, Laras Ayu Ditya; Mulyana, Rahmat; Mukti, Iqbal Yulizar
Jurnal Teknik Informatika (Jutif) Vol. 6 No. 2 (2025): JUTIF Volume 6, Number 2, April 2025
Publisher : Informatika, Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52436/1.jutif.2025.6.2.4329

Abstract

The banking sector faces significant challenges in implementing Digital Transformation (DT), particularly among Bank Perekonomian Rakyat (BPR), which serves as SME banks in Indonesia. These institutions often struggle with infrastructure limitations, technological adoption, and regulatory compliance. While existing research extensively examines DT strategies and Enterprise Architecture (EA) frameworks in large-scale banking institutions, their application to smaller banks like BPR remains underexplored. This study addresses this gap by developing an EA- based solution tailored to BPRDCo, a representative SME bank. Using the Design Science Research (DSR) methodology, the study follows five structured stages: problem explication, requirement specification, design and development, demonstration, and evaluation. The framework leverages the TOGAF Standard 10th Edition, integrating best practices across business, information systems, and technology architectures. The resulting EA blueprint provides a structured guide for DT implementation, aligning business and IT strategies while ensuring regulatory compliance. This study contributes to the EA knowledge base and offers practical implications for SME banks to enhance operational efficiency, optimize resource utilization, and strengthen competitiveness in the evolving financial landscape. By offering a systematic approach DT, this research advances knowledge in IT governance, architecture modeling, and system integration. Moreover, it provides a replicable framework that can inform future developments in digital banking solutions, reinforcing the importance of EA as a strategic tool for sustainable technological innovation.
Co-Authors Aang Abdulah Zein Abdul Azis Abus, Achdial Farhan Achmad Fadhli Satriadi Achmad Firdaus Ade Tutty R Rossa Adjie, Askardiya R. Affifiana Prisyanti Afifah Nurul Izzati Afni Yoana Afrianda Gaza Ontoreza Afrit Wira Buana Ahmad Atqan Setyoso, Fandi Ahmad Mukhlis Yusuf Aisyah, Salsabill Nur Akbar Adriansyah Akhmad - Sultoni Ali, Mahbubi Amanda Yunia Zafarina Ananda Viamianni Andika, Dafa Andyas, Muhammad Anugerah Anni Erlina Batubara, Anni Erlina Annisa Mughniati Ari Fajar Santoso Arip Rahman Asti Amalia Nur Fajrillah Ayu Priyambodo Azzahra, Nilam Eria Azzahra, Octamevia Inkaputri Bq. Dinda Tarbiyatuzzahrah Cantika Dewi Fortuna Damas Agryan Permana Damayanti, Dida D. Delphine Yusticia Ratnasari Deri Pran Kurniawan Deti Rostinii Devita Wulandari Dewi, Yusnia Wilujeng Dwi Milenia Dian Suci Astuti Dicky Yudha Handika Dika, Dafa Dinda Bayu Rama Dinda Sekar Cendani Dini Salsabila di Kusumah Dumauli N B Simanjuntak Elviera Mahayati Haris Erliza Noor Estiningtyas, Elysia Fadhil Alreyhan Pahrevi Fakhrurroja, Hanif Farah Luthfia Fathoni, Rizki Fauzi, Rokhman Felayati, Fiqha Fernaldi Jonathan Fernaldi Jonathan Fitriyana Dewi Fredella, Anisah Fritasya Dwiputri Suryoputro Ghina Khaerunnisa Gita Desca Purnama Hamdani, Muh Hasruddin Hendri Tanjung Hikam Haikal Radya Hans Ananza Inas Nisrina Inayatul Maghfiroh Iqbal Asrian Amin Iqbal Santosa Irfan Darmawan Irma Angraeini Irma Angraeini Irma Angraeini, Irma Jonathan, Fernaldi Judi Alhilman, Judi Karina Tarigan Khairiyah, Izzah Kresnaufal Nur Fadhillah Lubis, Rusdi Hamka Lukman Abdurrahman Luthfi Ramadani M. Agung Rizaldi M.Zahid Syafnel Maghfiroh, Inayatul Mahbubi Ali Mahendra, Juandra Prisma Maria Astuti Masruhen, Mohmed Firdaus bin Maulana, Tubagus N.A. Meirizky Anjani Purwati Ningsih Miyati, Hijul Mochamad Teguh Kurniawan Mochammad Teguh Kurniawan Monica Suryatama Deby Muharman Lubis Mukti, Iqbal Yulizar Murahartawaty Murahartawaty Nada Lutfi Rinanty Nana Mulyana Nasution, Shafira T. Naufal M. Fadilah Naufal Rahmadaffa Ariekananda Nazmi Robbiyani Nia Ambarsari Novi Andriani, Novi Nur Rozak Nurajrina, Hafilah Nurdinintya Athari Supratman Nurul Afifah Nurul Hilmiyah Pradika Adhea Gevani Laksana Pratama, Alfin Yoga Prayudi, Reynaldy Aditya Prima Audina Wibowo Purnama, Gita Desca Putri, Nasywah Nabilah Putri, Rilia R. Wahjoe Witjaksono Rahayu, Indah Sari Rahmat Rizal Rakan, Raihan Ramadhani, Luthfi Ramdani, Rama Putra Rara Genta Munggarani Basri Ratih Cintya Lestari Ratih Cintya Lestari Ratih Cintya Lestari, Ratih Cintya Rd. Rohmat Saedudin Rizka Putri Wahyuni Rizki Fathoni Adianto Riznawati, Nisrina Rochmad - Ryan Adhitya Nugraha Safitri, Shintya Rahma Saiful Anwar Saputra, Muhammad Tamami Dwi Sari, Laras Ayu Ditya Sinandhi, Raihan Achmad Siti Fildzah Nadhilah Suhermawan Soni Fajar Surya Gumilang Sova, Mohamad Sofan Sri Handayani Sudarso Kaderi Wiryono Suharyanto H. Soro Sujadi, Salma Andini Surya, Ignatius Christ Tampubolon, Claery Jessica Tantan Hadian Taufik Nur Adi Tien Fabrianti Kusumasari Trias Andati Trias Zulfa Nurafifah Trigama, Ginna Tubagus Nur Ahmad Maulana Tuti Alawiyah Uli Artha Wafiyah, Afifah Hasna Widi Setia Cahyani Widia Juliani Widyatasya Agustika Nurtrisha Wildan Faudzan Maulana Haryono Yahyah, Zul Fauzi Yuli Adam Prasetyo Yuli Prasetyo Zafarina, Amanda Yunia Zulkarnain Muhammad Ali