Penerapan teknologi dalam optimalisasi layanan perbankan
Abstract
Digital transformation has significantly changed the face of the banking industry, prompting financial institutions to adopt cutting-edge technologies to meet customers' growing needs for fast, easy and secure services. This article examines the application of technologies such as artificial intelligence (AI), blockchain, big data analytics, and cloud computing in optimizing banking services. Through the application of these technologies, banks around the world can increase operational efficiency, improve customer experience, and strengthen data security. However, the implementation of these technologies is also faced with challenges such as high investment costs, strict regulations, and the need for new skills for the workforce. Through analysis of case studies and empirical data, this article demonstrates the positive impact of technology implementation, including increased financial inclusion and reduced fraud risk. The article concludes with recommendations for banks to continue to innovate and adapt to technological developments to maintain competitiveness in the digital era.
Downloads
References
Alim, S. (2015). Analisis pengaruh sikap dan kepuasan terhadap penerimaan teknologi pada industry perbankan syariah di Jawa Timur dalam menghadapi Masyarakat Ekonomi Syariah ASEAN (MESA). http://repository.uin-malang.ac.id/3652/
Bharata, W., & Widyaningrum, P. W. (2020). Analisis Penerimaan Teknologi Mobile Banking Terhadap Use Behavior Melalui Pendekatan Model Utaut 2 (Studi Pada Nasabah KCU BCA Malang). Capital: Jurnal Ekonomi Dan Manajemen, 3(2), 139. https://doi.org/10.25273/capital.v3i2.6080
Elan Maulani, I., Herdianto, T., Febri Syawaludin, D., & Oga Laksana, M. (2023). Penerapan Teknologi Blockchain Pada Sistem Keamanan Informasi. Jurnal Sosial Teknologi, 3(2), 99–102. https://doi.org/10.59188/jurnalsostech.v3i2.634
Haikel, S., & Sunitiyoso, Y. (2022). Implementasi Robotic Process Automation dan Analisis Biaya-Manfaat di Bank SASA Robotic Process Automation Implementation and Cost-Benefit Analysis in Bank SASA. Februari, 21(1), 26–38.
Nur Faliza, S. E., Khan, R. B. F., SE, M., & Fauzi, M. N. (2025). The Future of Human Capital: Adaptasi dan Pertumbuhan di Era AI. Takaza Innovatix Labs. https://repository.uin-malang.ac.id/23750/
Rahayu, Y. S. (2017). Kualitas layanan perbankan syariah berdasarkan persepsi pelanggan. Proceedings International Conference on Islamics and Business (ICONIES). http://repository.uin-malang.ac.id/2507/
Ramadhani, F., & Trimuliani, D. (2024). Pemanfaatan Sistem Artificial Intelligence Pada Industri Perbankan: Systematic Literature Review. Jurnal Mutiara Akuntansi, 9(1), 37–49. https://doi.org/10.51544/jma.v9i1.5281
Waspada, I. (2012). Percepatan Adopsi Sistem Transaksi Teknologi Informasi Untuk Meningkatkan Aksesibilitas Layanan Jasa Perbankan. Jurnal Keuangan Dan Perbankan, 16(1), 122–131.
Wulannata, A. I. (2017). Analisis SWOT Implementasi Teknologi Finansial Terhadap Kualitas Layanan Perbankan Di Indonesia,. Jurnal Ekonomi Dan Bisnis, 20(1), 133–144.
Zahra, A. F., Kusuma, Z. H., Putra, I. D., Arifin, R. F., Fadhila, Z. N., Amrozi, Y., & Rozzika, C. (2023). Penelitian Cloud computing pada Industri, Pendidikan, Kesehatan, Transportasi, dan Perbankan. Jurnal Teknologi Informasi, 9(2), 163–171. https://doi.org/10.52643/jti.v9i2.2658
Copyright (c) 2025 imam jagat bilal
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.
