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Simangunsong Journal of Business Administration, Management, Economic and Accounting
Published by Cattleya Darmaya Fortuna
ISSN : -     EISSN : 30248124     DOI : -
Core Subject : Religion, Economy, Engineering,
Religion Economics, Econometrics & Finance Industrial & Manufacturing Engineering
The following are suggested areas of interest: Corporate Governance, Entrepreneurship, Finance, Human resources, Knowledge Management, Leadership, Management information system, Marketing, Operation Management, Strategic Management, Taxation, Startup business, Innovation and creativity, Other topics in the field of business administration, Financial Management, Marketing Management, Human Resource Management, Organizational Behavior, Corporate Governance, Strategic Management, Operations Management, Public Policy, Management Accounting, Management Education, Management of Sharia, Tourism Management, Green Management, Entrepreneurship, Public Economics, International Economics, Banking and Financial InstitutionDevelopment Economics, Monetary Economics, Financial Economics.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 32 Documents
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Open Banking Adoption and Banking Competition: Implications for Lending Rates & Disintermediation Zaluku, Siska
Simangunsong : Journal of Business Administration, Management, Economic And Accounting Vol. 3 No. 2 (2025): Simangunsong : Journal of Business Administraion, Management, Economic And Acco
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/simangunsong.v3i2.114

Abstract

This study examines the impact of Open Banking adoption onlending rates, spreads/NIMs, and banking disintermediation inIndonesia. Using a quarterly bank-level panel (2018–2025) and acausal identification strategy—a dynamic panel (System-GMM) tocapture credit price persistence, and stepwise difference-indifferences(DiD) with event study—we construct a composite OpenBanking Index (OBI) from four pillars: API readiness, API usage,data openness, and partnership depth. Results show that anincrease in OBI is negatively and significantly correlated withlending rates and NIMs; DiD estimates show a decline in lendingrates immediately after adoption and a plateau within 4–6 quarters,while a decline in LDR indicates moderate disintermediation.Mechanism analysis indicates competition as the primarytransmission channel: OBI lowers the Lerner Index and makes theBoone indicator more negative, thereby suppressing bank pricingpower. Nonlinearity with the OBI maturity threshold (≈70/100)above which the interest rate reduction effect is amplified is found,as well as greater heterogeneity among small/medium banks, morecompetitive markets (low HHI), and banks with high digital maturity.The findings suggest a policy focus on deepening theimplementation of Open Banking (API interoperability, consentmanagement, fair access) to balance innovation, competition, andbanking system stability.
Systemic Stability in the Fintech Lending Era: Network Linkages, Liquidity Risk, and Macroprudential Policy Halawa, Irfan
Simangunsong : Journal of Business Administration, Management, Economic And Accounting Vol. 3 No. 2 (2025): Simangunsong : Journal of Business Administraion, Management, Economic And Acco
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/simangunsong.v3i2.115

Abstract

This study assesses the systemic stability of the fintech lendingecosystem by linking three analytical pillars: (i) a multilayer network oflinkages (platform–investor–custodian bank–payment rails–dataproviders), (ii) liquidity risk through the Liquidity-at-Risk (LaR)framework, and (iii) a flow-based macroprudential policy evaluation (e.g.,dynamic cash buffers and circuit breakers). We construct a network mapof bipartite investor–platform exposures, platform–custodian banklinkages, and dependencies on payment rails, then calculateconcentration and centrality metrics, as well as investor overlap acrossplatforms. Next, we estimate daily LaR (14-day horizon, α=99%) fromcash-in/out, settlement, and disbursement flows, and develop thePlatform Run Index (PRI)—a nowcasting indicator that combinesredemption pressure, settlement queue length, pricing spread deviation,and operational stress. Contagion dynamics are measured by losspropagation from platforms to banks/rails based on an exposure matrix,while policy effectiveness is identified using stepwise Difference-in-Differences and event studies on staggered rollouts of liquidity rules. Themain results show that funding concentration (high HHI) and reliance ona few banks/rails increase loss amplification and potential spillover tobanks. LaR peaks with a surge in cash-outs and settlement queues,marking a run-prone zone even without a significant increase in defaults.PRI exceeding the p90 threshold predicts a spike in withdrawals thefollowing day, making it a suitable trigger for adaptive policy. Agentbasedsimulations show that funding shocks and operational outagesincrease run probabilities and lengthen queues, and—when combined—result in material loss amplification. Causal evaluations show that thecombination of dynamic cash buffers and flow-based circuit breakerssignificantly lowers PRI, reduces LaR violations, shortens queues, andmitigates early contagion. The implication is that systemic resilience infintech lending requires diversified escrow and rail systems, real-timePRI-based monitoring, multilayer stress testing (LaR + ABM) withperiodic backtesting, and operational resilience standards(SLA/latency/failover). These findings support the design of dynamic,flow-based macroprudential policies to balance innovation, inclusion,and stability.

Page 4 of 4 | Total Record : 32

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