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All Journal JABE (Journal of Applied Business and Economic) Sebelas Maret Business Review INJURITY: Journal of Interdisciplinary Studies Jurnal Multidisiplin Borobudur Agrisia: Jurnal Ilmu-Ilmu Pertanian Jurnal Manajemen FE-UB Sharia Oikonomia Law Journal
Wahyu Murti
Universitas Borobudur
Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Banks’ Strategies to Face Fintechs’ Attacks Dedy Ihsan; Wahyu Murti; Sri Sungkowati
Sharia Oikonomia Law Journal Vol. 2 No. 4 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v2i4.1644

Abstract

Globalization has changed the playing field within industries, which were traditionally limited by size, country of origin, industry type, and past success. Now, those boundaries have become blurred and no longer clearly defined. Internet connectivity and technology have changed the face of businesses. These changes will always continue on an ongoing basis. For example, fintech (startups) that used to serve only one business segment have started to enter the banking industry, through online lending or peer to peer lending (P2P lending), products of savings, payment systems, and pay later. The latter is like a credit card in banking. Startups have become a very strong-new competitor for banks. Instead, their loan impressively grows with low non-performing loans (NPLs). Therefore, banks must be aware of this competitive situation. Banks should no longer use the old ways to compete, but should find and do new ways. For this reason, this paper is prepared to provide answers on how banks should respond, so that the competitive pressure from fintech can be carefully anticipated.
Co-Authors Agus Sudradjat Arni Kurniati Bambang Bernanthos Chrisindi Cicih Ratnasih Darwati Susilastuti Dedy Ihsan Dwi Rahayu Elli Sulistyaningsih Francisca Sestri Goestjahjanti Haryono, Sugeng Hendry Ali Henri Pardamean Herry Wira Wibawa Novia Sumarni Ratnasari Ratnasari Reza Priatna Sri Sungkowati Tias Pramono Triadi Wahyu Winardi Yolanda Yolanda