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Journal : Devotion: Journal of Research and Community Service

Implementation of Prudential Principles in Risk Management in Digital Banking Business Models Redita Suryadarma, Fatika; Pujiyono, Pujiyono
Devotion : Journal of Research and Community Service Vol. 6 No. 1 (2025): Devotion: Journal of Community Research
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/devotion.v6i1.25408

Abstract

In the era of digital transformation, banking faces various challenges such as cyber, operational, and reputation risks, so that the principle of prudence in risk management of banking business models becomes an urgency that cannot be ignored. The purpose of this study is to analyze the implementation of the principle of prudence in risk management in digital banking business models. This study uses a normative research method with a legislative approach and a conceptual approach. The results of this study indicate that the principle of prudence in the digital banking sector plays a fundamental role in maintaining the stability and integrity of financial institutions. This principle not only helps in risk management, but also ensures a strong relationship between banks and customers, which is based on trust.
Co-Authors Ade Adhari Agusta, Evelin Nur Agustiawan, M. Hendri Ahmad Ridwan, Nur Almira Rahma, Ardita Anis Widyawati Aprilia, Indah Siti Ardi, Muhammad Khalif Arief Suryono Arifin, Alif Wisuda Aryani, Fajar Dian Aulia Syifa Sjamhars Barda Nawawi Arief Bhakti, Rizky Atswari Cahya Wulandari Claudia, Natasya Debora Natalia Sudjito Dwi Maryono Encep, Encep Fernando, Zico Junius Hardiani, Putri Ikhsan Ikhsan Irawan, Chandra Noviardy Irma Cahyaningtyas, Irma Jamal Wiwoho Jaya, I Nyoman Serikat Putra Khamami Zada Kholdaa, Madya Cinta Kristiani Kristiani Kukuh Tejomurti, Kukuh Mahardika, Sylvester Enricho Mara Sutan Rambe Mardiana - Maria Silvya E. Wangga Marmi Sudarmi Muchlas Rastra Samara Muksin Muhammad Ishar Helmi, Muhammad Ishar Najlalinka, Zahrafhia Ndraha, Agung Silwanus Nugroho, Sofyan Nur Rochaeti Nur Rochaeti, Nur Pati, Umi Khaerah Prabawani, Riski Dysas Pranoto Pranoto Priscilia, Erika Pulungan, Muhammad Al Faisal Putra Jaya, Nyoman Serikat Putra, Aista Wisnu Putra, Risqi Perdana Putra, Yagie Sagita Putrajaya, Nyoman Serikat Raharjo, Prasetyo Rani Tiyas Budiyanti Redita Suryadarma, Fatika Rian Saputra Roikardi, Dodi Roy Rovalino Herudiansyah Sa'adah, Nabitatus Sahid, Mualimin Mochammad Saptanti, Noor Saputra, Andika Oktavian Sembiring, Rya Elita Br Shidarta Shidarta Sidharta, Sidharta Slamet Subiyantoro Solikah, Mar’atus St Syarifah Sulistyo, Edhei Sunny Ummul Firdaus Supeno, Bambang Joyo Suryani, Leony Sondang Tuhana Tuhana Umi Rozah Wicaksono, Adi Hardiyanto Yasin Surya Wijaya