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All Journal Syntax Literate: Jurnal Ilmiah Indonesia Cakrawala Repositori Imwi jurnal syntax admiration Jurnal Indonesia Sosial Sains Journal Research of Social Science, Economics, and Management Insight : International Journal of social research Journal of Digital Business and Data Science
Feri Hardiyanto
Universitas Cendekia Mitra Indonesia
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Journal : Journal of Digital Business and Data Science

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Blockchain Technology in Financial Management: A Case Study of Digital Transformation in Banking Zidnal Falah; Abdul Robi Padri; Feri Hardiyanto
Journal of Digital Business and Data Science Vol. 2 No. 1 (2025): Journal of Digital Business And Data Science
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jdbs.v2i1.14

Abstract

Blockchain technology, known for its decentralized and transparent transaction recording system, is increasingly attracting attention in the banking sector, especially in financial management. In Indonesia, despite the many potentials offered by blockchain, its adoption in the banking sector still faces various challenges related to regulation, technology readiness, and human resource training. Therefore, it is important to explore the potential and barriers to blockchain adoption in this sector. This study aims to analyze the application of blockchain technology in banking financial management, identify its challenges and benefits, and evaluate the readiness of banks in Indonesia to adopt the technology. This type of research is qualitative research with a case study design. Data were obtained through in-depth interviews with bank management, licensed employees, and customers, as well as analysis of relevant documents. The data analysis technique used a thematic analysis approach to explore in-depth information about blockchain implementation. The research findings show that blockchain can improve transparency, cost efficiency, and transaction security in banking. However, the biggest challenges faced are unclear regulations, difficulty integrating the technology with existing banking systems, and limited employee training in some small banks. Blockchain has great potential to modernize financial management in the banking sector, but its implementation requires clear policies, adequate training for employees, and efforts to improve customer understanding. This research provides insights for banks and policymakers to design effective strategies for adopting blockchain technology, and provides recommendations to improve the readiness of human resources and technological infrastructure in the banking sector.
Co-Authors A.A Alit Merthayasa Abdul Aziz Abdul Robi Padri Ades Sugita Agus Rohmat Hidayat Agus Rohmat Hidayat Amelia Amelia Amelia Annisa Wibawanthi Aripin Aripin Asep Mulyana Devi Yulia Diana Magfiroh Maghfiroh, Diana Midun Sopan Mohammad Ridwan Mohammad Subkhan Muhammad Viky Rahmat Al Bayan Sri Intan Wulandari Wartoyo Wartoyo Widya Widya Widya Widya, Widya Zidnal Falah