Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal Jurnal Riset Ilmiah
Akbar, Kurnia Rizza
Unknown Affiliation
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
STRATEGI ADAPTASI DAN INOVASI MODEL BISNIS DI ERA DISRUPSI DIGITAL Akbar, Kurnia Rizza; Faeni, Dewi Puspaningtyas
SINERGI : Jurnal Riset Ilmiah Vol. 2 No. 9 (2025): SINERGI : Jurnal Riset Ilmiah, September 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/sinergi.v2i9.1715

Abstract

The rapid proliferation of financial technology (fintech) poses a significant disruptive challenge to the established business models of Indonesia's conventional banking industry. This research provides a concise analysis of the specific adaptation strategies and business model innovations these incumbent banks are implementing to navigate the competitive digital landscape. Employing a qualitative methodology through a multiple case study design, this study delves into the strategic responses of three prominent conventional banks. Data was primarily collected via in-depth interviews with senior executives and analysis of corporate strategic documents. The summary of results reveals a multi-pronged strategic pivot, characterized by the adoption of open-banking ecosystems, significant investment in data analytics for customer personalization, and a fundamental overhaul of organizational culture to foster greater agility. The significance of these findings lies in providing a clear framework for how legacy organizations can strategically transform in the face of digital disruption, highlighting that success is contingent on a synergistic alignment of technology, strategy, and culture
Co-Authors Dewi Puspaningtyas