Inovasi Bank Digital untuk Mempermudah Akses Modal bagi Nasabah
Abstract
Digital banking innovations have brought significant changes in the way banks provide services, especially in facilitating access to capital for customers. This research examines the role of digital banking in improving the efficiency and flexibility of banking services in the technological era, with a focus on Micro, Small and Medium Enterprises (MSMEs) players who often face limited access to capital. While this transformation offers various benefits, such as the ease of transactions without the need to go to a branch office, there are also challenges in risk management and cybersecurity. Using a descriptive qualitative methodology, this study analyzes the adoption trends of digital banks as well as the factors that influence customer preferences for financial applications. The results show that digital innovation not only facilitates access to capital but also increases financial inclusion and supports the development of customers' business capacity. With the right regulatory support from the Financial Services Authority (OJK), it is expected that the adoption of digital technology can provide sustainable benefits to society, especially the younger generation who are increasingly familiar with technology.
Downloads
References
Alvionita, tasya andini aulia, juwita zilma. (2024). Perbandingan Kepuasan dan Loyalitas Pelanggan Antara Bank Digital. 1(4), 42–55.
Mamun, S., & Ningsih, T. H. (2021). Implementasi Strategi Layanan Teknologi Digital Banking dan Service Quality dalam Perspektif Nasabah pada Perbankan Syariah (Study kasus pada Bank Syariah Mandiri KCP Tomang). Jurnal Ekonomi Syariah Pelita Bangsa, 6(02), 223–233. https://doi.org/10.37366/jespb.v6i02.249
Maulidya, G. P., & Afifah, N. (2021). Perbankan Dalam Era Baru Digital: Menuju Bank 4 . 0. Proceeding Seminar Bisnis Seri V, 278–288.
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
Ngamal, Y., & Maximus Ali Perajaka. (2021). Penerapan Model Manajemen Risiko Teknologi Digital Di Lembaga Perbankan Berkaca Pada Cetak Biru Transformasi Digital Perbankan Indonesia. Jurnal Manajemen Risiko, 2(2), 59–74. https://doi.org/10.33541/mr.v2iiv.4099
Putri, A. F., & Nurhadi, N. (2024). Peran Fasilitator Pendamping Dalam Pemberdayaan Ibu-Ibu Prasejahtera Produktif Untuk Meningkatkan Pendapatan UMKM Nasabah PT Bank BTPN Syariah Tbk. Sammajiva: Jurnal Penelitian Bisnis Dan Manajemen, 2(1), 95–105.
Sihotang, D. E. I., Panjaitan, H. T., Pakpahan, S. R., & ... (2023). Dampak Inovasi Digital Terhadap Perilaku Penggunaan Layanan Perbankan. Innovative: Journal Of …, 3, 8758–8763.
Tartila, M. (2022). Strategi Industri Perbankan Syariah dalam Menghadapi Era Digital. Jurnal Ilmiah Ekonomi Islam, 8(3), 3310. https://doi.org/10.29040/jiei.v8i3.6408
Copyright (c) 2025 Nadiyatun Naqi
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.
