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Journal : Media Mahardhika

STRATEGI PERBANKAN DALAM MENGHADAPI PERSAINGAN FINTECH: ANALISIS SWOT PADA BANK NEGARA INDONESIA CABANG MAKASSAR Azhaq, Muhammad Hud; Alwi, Alimin; Najamuddin, Najamuddin
Media Mahardhika Vol. 23 No. 3 (2025): May 2025
Publisher : STIE Mahardhika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/mahardika.v23i3.1338

Abstract

This study aims to analyze the strategy of Bank Negara Indonesia (BNI) Makassar Branch in facing competition from financial technology (fintech) companies in the digital era. The rapid development of fintech has changed the pattern of financial services, offering easy access, transaction efficiency, and more innovative technology-based services. This condition is a challenge for conventional banking, including BNI, to maintain its existence and competitiveness amidst digital disruption. The research method used is a qualitative approach with descriptive analysis. In this study, the SWOT analysis tool was used to identify the strengths, weaknesses, opportunities, and threats faced by BNI Makassar Branch. The results of the study show that BNI has strengths in the form of a wide branch network and high customer trust, but still faces weaknesses in terms of technology adaptation. Opportunities that can be utilized include the increasing need for digital financial services and the growth of the digital economy in Indonesia. Meanwhile, the threats faced come from aggressive fintech competition and changes in customer preferences. Therefore, an adaptive strategy based on digital technology, development of service products based on modern customer needs, and strengthening of data security systems are needed.
Co-Authors Abdul Saman Achmad, Asmar ADIL, AHMAD Akbar, Aidul ALFIAN DAHRUN, ALFIAN Alif Kurniawan Alifka Alya Zhafirah Ambo Upe Amir, Dwita Aprilla Andi Alim, Andi Andi Fathir Prawira R Andi Kamaruddin, Syamsu Andi Ridwan Andi Tenri Pada Agustang Arif Atul Mahmuda Dullah Arwih, Muhammad Zaenal Asman, Nur Rezky Asna Wirayanti Asrianingsih Asshagab, Muhtar Aulia, Nurul Awaru, A. Octamaya Tenri Awaru Azhaq, Muhammad Hud Budianto Dade Prat Untarti Damasinta, Alfiana Darnawati, Darnawati Eki Nurhikma Fahrizal Fahrizal Halim, Muhammad Hamka Hasruddin Hayari Hayari Hayari Hayari Heriansyah Hudain, Muh. Adnan Hutamy, Ericha Tiara Insani, Nabila Nurul Jamiludin Jamiludin Jamiludin Jud, Jud Jumareng, Hasanuddin Junarlin, La Ode Muhammad Kamaruddin, Syamsu Andi La Batia La Ode Dinda M. Yunasri Ridhoh Ma'shumah Syamsir Mahrany, Yunita marsuna, marsuna Mongsidi, Wolter Muh. Bahrul Ulum Muhammad Aprilyansyah Pratama Rusli Muhammad Iqbal Rustan Muhammad Ishak Muhammad Rehan Fias Hasanuddin Muhammad Rusli Munawir Mansyur Mutijima, Pacifique Najamuddin Najamuddin, Najamuddin Novia Kusumaningsih Nur Istiqamah Nur, Hasruddin Nurlina Subair Nurul Mutmainnah, Nurul Nurwijayanti Padli, Sul Pendais Hak Prahastini, Sinta Rahim, Muh Yusuf Rahma Awalia Rahmat, Ainul Rais, Risman Rusdi, Widya Anugrah Safiu, Darwin Salfia, Wa Ode Sariul, Sariul Satriani, Nur Sawali, La Setiono, Andik Sintawati Sintawati, Sintawati Solissa, Welly Ervina St Wijdana Ram Suhartiwi, Suhartiwi Syahidah, Ummu Syahruni, Nurul Takdir, Muh Tamrin, Sopian Taufiq Rahman Tekla Galla' Manase Usman, Arifuddin Wance, Marno Wulandari, Astria Yusnadi