Perkembangan Industri Perbankan di Era Digital

  • Ida Nuryana Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Institut Teknologi dan Bisnis Asia Malang
DOI: https://doi.org/10.33059/jmk.v13i2.11555
Keywords: Perbankan digital, Keamanan data, Literasi digital, Inklusi keuangan, Regulasi fintech

Abstract

Perbankan digital di Indonesia gacorqq mengalami pertumbuhan pesat antara 2020 hingga 2024, yang mendorong penelitian ini untuk mengeksplorasi faktor-faktor yang mempengaruhi adopsi dan tantangan dalam sektor ini. Tujuan penelitian adalah untuk menganalisis perkembangan layanan perbankan digital, mengidentifikasi preferensi pengguna, serta mengevaluasi tantangan yang dihadapi dalam implementasinya. Metodologi yang digunakan mencakup gacorqq pendekatan kualitatif dan kuantitatif, dengan pengumpulan data melalui survei terhadap pengguna layanan perbankan digital dan analisis literatur terkait. Hasil penelitian menunjukkan bahwa mobile banking menjadi layanan paling populer, namun tantangan utama seperti keamanan data, kesulitan akses aplikasi, dan kurangnya literasi digital masih menghambat adopsi yang lebih luas. Kesimpulan dari studi ini menekankan pentingnya peran regulator dalam menciptakan ekosistem yang mendukung pertumbuhan perbankan digital yang inklusif dan berkelanjutan, serta perlunya upaya edukasi untuk meningkatkan literasi digital masyarakat. Penelitian ini memberikan kontribusi signifikan terhadap pemahaman tentang dinamika perbankan digital dan implikasinya bagi inklusi keuangan di Indonesia, serta membuka arah untuk penelitian lebih lanjut mengenai strategi mitigasi risiko dalam adopsi teknologi finansial.

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Published
2025-08-03
How to Cite
Nuryana, I. (2025). Perkembangan Industri Perbankan di Era Digital. Jurnal Manajemen Dan Keuangan, 13(2), 162-179. https://doi.org/10.33059/jmk.v13i2.11555
Issue
Vol 13 No 2 (2024): JURNAL MANAJEMEN DAN KEUANGAN
Section
Articles

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