KESIAPAN PERBANKAN MENUJU TRANSFORMASI DIGITAL PASCA PANDEMI COVID-19 MELALUI FINANCIAL TECHNOLOGY (FINTECH) - Satrio Ronggo Buwono; Lastuti Abubakar; Tri Handayani (Jurnal Poros Hukum Padjadjaran, 2022)
ABSTRAK Pada sektor jasa keuangan khususnya perbankan, akselerasi transformasi digital diharapkan menjadi alternatif pasca pandemi Covid-19 untuk mendorong perbaikan kinerja, pecepatan akses keuangan dan pertumbuhan ekonomi nasional. Dalam perkembangannya, saat ini interaksi dan transaksi keuangan sangat mengandalkan teknologi, sebagaimana produk-produk berbasis teknologi digital seperti e-money, e-wallet, internet banking dan mobile banking. Selain itu, semakin bermunculannya perusahaan berbasis aplikasi (e-commerce), seperti perusahaan Tokopedia dan Gojek menyediakan fitur-fitur yang memungkinkan terjadinya layanan yang lebih cepat, lebih baik dan lebih murah (cheaper-better-faster) membuat perbankan dan perusahaan fincancial technology (fintech) perlu mulai adaptif terhadap percepatan perubahan ke arah digital. Namun demikian, proses transformasi digital juga perlu didukung dengan mitigasi risiko yang memadai dan memerlukan dukungan kebijakan, serta peran pengawasan aktif dari Otoritas Jasa Keuangan (OJK) dan Bank Indonesia (BI) selaku regulator, sehingga proses transformasi digital dari perijinan, kerjasama business to business sampai dengan pengawasan atas mitigasi risiko yang diterapkan lembaga jasa keuangan mampu mengawal proses transformasi digital secara aman tanpa mengesampingkan aspek prudensial. Kata kunci: Covid-19; fintech; transformasi digital ABSTRACT In the financial services sector, especially banking, the acceleration of digital transformation is expected to be an alternative after the Covid-19 pandemic to encourage improved performance, accelerated access to finance and national economic growth. In its development, currently financial interactions and transactions rely heavily on technology, as are digital technology-based products such as e-money, e-wallet, internet banking and mobile banking. In addition, the emergence of application-based companies (e-commerce), such as Tokopedia and Gojek companies providing features that enable faster, better and cheaper services (cheaper-better-faster) make banking and fintech companies need to start adaptive to the acceleration of change towards digital. However, the digital transformation process also needs to be supported by adequate risk mitigation and requires policy support, as well as an active supervisory role from the Financial Services Authority (OJK) and Bank Indonesia (BI) as regulators, so that the digital transformation process from licensing, business to business cooperation to the supervision of risk mitigation implemented by financial service institutions that are able to safely oversee the digital transformation process without compromising prudential aspects.Keywords: Covid-19; fintech; digital transformation.