<![CDATA[As the development era, the current banking role increased to investment banking calleduniversal banking. This study aims to figure out the risks, opportunities and threats, as wellas things to consider in the application of universal banking. This study is qualitativedescriptive research which is to collect information from related literature. It shows thatthere are risks of application of universal banking which are the existence of negativeconsequences, the phenomenon of too big to fail, overlapping, and risk transfer.Application of universal banking also has opportunities and threats of increasing profits,potential collusion, encourages conflicts of interest, and moral hazard. In addition, theapplication of universal banking needs to consider things related to human resources, riskmanagement, consumer protection, and the soundness of banks.Keywords: universal banking, risks, opportunities, threats]]>
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