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All Journal Arthatama: Journal of Business Management and Accounting
Susilo Toto Rahardjo
Universitas Diponegoro, Indonesia
Economics, Econometrics & Finance

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Driving Digital Banking Transformation in Indonesia Amid Industry 4.0 Teguh Joni Purwanto; Triwidi Atmoko; Susilo Toto Rahardjo
Arthatama: Journal of Business Management and Accounting Vol. 9 No. 2 (2025)
Publisher : LifeSciFi

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Abstract

The study emphasizes the role of regulatory frameworks and government initiatives in accelerating digital transformation within the banking sector. The Indonesian Financial Services Authority and Bank Indonesia have introduced various policies to support innovation while ensuring consumer protection and financial system stability. In addition, the research explores how customer behavior is shifting toward digital channels, driven by convenience, speed, and accessibility. This behavioral shift necessitates banks to invest in user-friendly digital platforms and robust IT infrastructure. The study also discusses the importance of digital literacy among consumers and employees to maximize the benefits of digital banking. Moreover, collaboration between traditional banks and fintech companies is identified as a key strategy to foster innovation and expand financial inclusion. By addressing both opportunities and risks, this research provides a comprehensive perspective on how Indonesian banks can effectively implement digital transformation strategies. The insights gained are expected to guide policymakers, financial institutions, and stakeholders in shaping a resilient and inclusive digital banking ecosystem.
Digital Finance and Sustainable Development of Indonesian Banks Variandy Tiaraputra; Fadhil Wicaksono; Susilo Toto Rahardjo
Arthatama: Journal of Business Management and Accounting Vol. 9 No. 2 (2025)
Publisher : LifeSciFi

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This study aims to analyze the influence of the development of financial digital transformation on banking sustainable development, with a focus on banks listed on the Indonesia Stock Exchange (IDX) during the period 2019 to 2023. Using the Fixed Effect model, this study evaluates the relationship between the adoption of digital technology in the banking sector and banks' sustainable development in Environmental, Social, and Governance (ESG) aspects, as well as the influence of control variables such as bank liquidity and loan ratio. The results show that the digital transformation of finance has a significant effect on the sustainable development of banks, where more digitized banks tend to have better performance in sustainability aspects. In addition, bank liquidity and loan ratio are also proven to have a positive influence on bank sustainable development. However, bank size does not show a significant influence in this model. This study reinforces previous findings that digitalization in the financial sector can accelerate the achievement of sustainability goals, but also highlights the importance of other factors, such as managerial policies and sustainability-based strategies, in achieving these goals. This research contributes to policy makers in banking sector to formulate more effective sustainability strategies.
Co-Authors Fadhil Wicaksono Teguh Joni Purwanto Triwidi Atmoko Variandy Tiaraputra