EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis
Vol 14 No 1 (2026): Januari

The Impact Of Bitcoin On Indonesian Banking: Opportunities And Challenges

Setiyo Purwanto (Universitas Dian Nusantara)
Nur Endah Retno Wuryandari (Universitas Dian Nusantara)



Article Info

Publish Date
26 Jan 2026

Abstract

This study explores the impact of Bitcoin on the Indonesian banking sector, emphasizing both the innovative opportunities and the challenges it presents. The research highlights Bitcoin's potential to enhance financial inclusion and drive technological growth while also identifying significant hurdles such as regulatory issues, security risks, and market volatility. Utilizing a mixed-methods approach, the study provides a nuanced analysis of Bitcoin's dual role as both a beneficial and threatening force within the financial landscape. It categorizes research variables into dependent, independent, and control groups to better understand their interactions and influence on traditional banking systems. The paper identifies a critical gap in existing literature regarding Bitcoin's specific effects on Indonesian banking operations, offering an empirical foundation for future research. The findings underscore the evolving regulatory frameworks and Bitcoin's complex role in the banking sector, highlighting the need for strategic management and careful regulation to harness its potential benefits while mitigating associated risks.

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Journal Info

Abbrev

ER

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Other

Description

Ekombis Review: Jurnal Ilmiah Ekonomi dan Bisnis is a peer-reviewed journal. Ekombis invites academics and researchers who do original research in the fields of economics, management, and ...