Strategi manajemen dalam meningkatkan daya saing perbankan melalui inovasi layanan mobile banking di era digital
Abstract
The development of digital technology has significantly changed the face of the banking industry, driving the need for service innovation that can improve competitiveness. This research aims to analyze the management strategies implemented by banks in developing mobile banking services in response to the challenges and opportunities in the digital era. Through a literature study approach, this research identifies various strategies, including product differentiation and cost leadership, as well as the importance of human resource readiness in implementing innovation. The findings show that implementing innovative features in mobile banking not only improves operational efficiency, but also enhances customer experience and customer loyalty. Despite challenges such as regulation and cybersecurity, banks that are able to adapt quickly will gain a competitive advantage. This research provides insights for banking industry players to understand the importance of proper management strategies in facing competition in the digital era.
Downloads
References
Ana, D. E., & Zunaidi, A. (2022). Strategi perbankan syariah dalam memenangkan persaingan di masa pandemi Covid-19. Proceedings of Islamic Economics, Business, and Philanthropy, 1(1), 167–188.
Eprianti, Y., Rabeta, Y., & Nisusmiati, M. (2023). Analisis efektivitas dan efisiensi penggunaan mobile banking terhadap transaksi nasabah pada Bank BRI unit Garuda cabang Kota Lubuklinggau. Ekonomi , Bisnis dan Manajemen, 1(3), 223–234.
Fatah, I. M., Asnawi, N., Segaf, & Parmujianto. (2023). Case study at KSPPS BMT UGT nusantara Indonesia an analysis of using mobile applications to increase fee-based income. Enrichment: Journal of Management, 13(2), 1182–1191.
Hamdiah, & Likdanawati. (2021). Strategi peningkatan minat nasabah dalam penggunaan internet mobile banking: Studi kasus pada Bank Syariah Mandiri di Lhokseumawe. Jurnal Visioner & Strategis, 10(1), 1–8.
Judijanto, L., Putri, P. A. N., Syamsuri, Dewantara, B., & Alfiana. (2024). Impact of Financial Technology (Fintech) innovation on traditionalbanking and finance business models. Management Studies and Entrepreneurship Journal, 5(1), 1020–1025. http://journal.yrpipku.com/index.php/msej
Kamarudin, J., Nursiah, N., & Novianti, M. (2022). Pengaruh faktor kemudahan, keamanan, dan resiko terhadap kepuasan nasabah dalam menggunakan mobile banking: Studi kasus pada nasabah BRI Kabupaten Mamuju. Forecasting: Jurnal Ilmiah Ilmu Manajemen, 1(2), 11-18.
Kumalasanti, M., & Susliyanti, E. D. (2020). Pengaruh pelayanan mobile banking terhadap kepuasan nasabah perbankan di Yogyakarta. Jurnal Maneksi, 9(2), 389–395.
Monica, R., Mariah, M., & Zaenal, F. R. (2024). Pengaruh inovasi layanan teknologi aplikasi Brimo dan kualitas layanan customer service terhadap kepuasan nasabah pada PT. Bank Rakyat Indonesia (Persero) Tbk. Makassar. Jurnal Manajemen dan Akuntansi, 2(1), 64–76.
Mukhtisar, M., Tarigan, I. R. R., & Evriyenni, E. (2021). Pengaruh efisiensi, keamanan dan kemudahan terhadap minat nasabah bertransaksi menggunakan mobile banking: Studi pada nasabah Bank Syariah Mandiri Ulee Kareng Banda Aceh. Jihbiz: Global Journal of Islamic Banking and Finance., 3(1), 56. https://doi.org/10.22373/jihbiz.v3i1.9632
Mutiasari, A. I. (2020). Perkembangan industri perbankan di era digital. Jurnal Ekonomi Bisnis dan Kewirausahaan, 9(2), 32–41. https://doi.org/10.47942/iab.v9i2.541
Prayitno, P. H. (2024). Evaluasi strategi bersaing perbankan melalui layanan mobile banking di era digitalisasi: Studi kasus PT. Bank Mandiri Tbk.
Radityotomo, R., Astuti, S. B., & Wardhana, M. (2024). Pengaruh generasi milenial terhadap experience pengunjung pada smart banking lounge. Waca Cipta Ruang, 10(1), 27–34. https://doi.org/10.34010/wcr.v10i1.11764
Safitri, N. A., Julia, R., Swinta, S., Elisah, N. N., Nadya, D., Hutapea, A., Ariyana, N., Ekonomi, F., Bisnis, D., Sultan, U., & Tirtayasa, A. (2024). Strategi inovasi perbankan digital dalam menghadapi persaingan industri keuangan. Indonesian Journal of Economics, 1(5), 414–419.
Sihotang, D. E. I., Panjaitan, H. T., Pakpahan, S. R., & Siahaan, N. Y. S. (2023). Dampak inovasi digital terhadap perilaku penggunaan layanan perbankan. Innovative: Journal of Social Science Research, 3(3), 8758-8763.
Soemitra, A., A, A., & Daulay, A. N. (2021). Studi literatur tujuan ideal lembaga keuangan dan perbankan Islam. HUMAN FALAH: Jurnal Studi Ekonomi Dan Bisnis Islam, 8(2), 1–19. https://doi.org/10.30829/hf.v8i2.10050
Susanto, N., & Zulkamal, N. A. (2022). Strategi peningkatan kualitas layanan mobile banking Bank X Pahlawan dengan integrasi servqual, kano dan QFD. Industrial Engineering Online Journal, 11(4).
Copyright (c) 2024 Siti Nabila Zida Sabrina
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
