Analisis Manajemen Risiko dalam Penggunaan mobile banking: Studi Kasus pada Bank Syariah di Indonesia.
Abstract
This study aims to analyze risk management in the use of mobile banking at Islamic banks in Indonesia. The development of information technology has encouraged digital transformation in the banking sector, including mobile banking services that offer convenience and efficiency for customers. However, the use of this technology also raises various risks, such as technological risks (cybersecurity, system errors, and malware), operational risks (transaction errors and human errors), and risks to customer trust. This study uses a descriptive qualitative approach to identify these risks and analyze the mitigation efforts made by Islamic banks. The results show that effective risk management strategies, such as implementing data encryption, double authentication, HR training, and transparent communication with customers, are key to maintaining system security and increasing public trust. With good risk management, Islamic banks can maximize the potential of mobile banking while minimizing the negative impacts caused by digital risks.
Downloads
References
Ayuningtyas, M., & Sufina, L. (2023). Pengaruh Penggunaan Mobile Banking dan potensi risiko terhadap nasabah dengan literasi keuangan sebagai variabel moderasi. Jurnal Keuangan Dan Perbankan, 19(02), 119–130. www.ojk.go.id
Cahyani, W. P., & Waluyo, W. (2025). PERLINDUNGAN HUKUM TERHADAP NASABAH DALAM SISTEM MOBILE BANKING LEGAL PROTECTION FOR CUSTOMERS IN THE MOBILE BANKING SYSTEM Wandya. 6(4), 1–8.
Citra Christian, H., & Sitokdana, M. N. N. (2022). Analisis Risiko Teknologi Informasi pada BANK ABCMenggunakan Framework ISO 31000. Jurnal Teknik Informatika Dan Sistem Informasi, 9(1), 735–748. http://jurnal.mdp.ac.id
Daffa Ghifari, M. (2024). Perlindungan Hukum Terhadap Nasabah Yang Mengalami Kerugian Akibat Kesalahan Sistem Bank Dalam Layanan Mobile Banking. Jurnal Kertha Semaya, 12(4), 719–728. https://doi.org/10.24843/KS.2024.v12.i04.p16
Faizal, M. A., Faizatul, Z., Asiyah, B. N., & Subagyo, R. (2023). Analisis Risiko Teknologi Informasi Pada Bank Syariah : Identifikasi Ancaman Dan Tantangan Terkini. Jurnal Asy-Syarikah: Jurnal Lembaga Keuangan, Ekonomi Dan Bisnis Islam, 5(2), 87–100. https://doi.org/10.47435/asy-syarikah.v5i2.2022
Lestari, P. (2024). Analisis Manajemen Risiko Terhadap Implementasi Mobile Banking. Journal of Islamic Entrepreneurship and Business Research.
Oktaviani, S., & Basyariah, N. (2022). Analisis Manajemen Risiko Layanan Mobile Banking Pada Bank Syariah. Jurnal Manajemen Dan Penelitian Akuntansi, 15(1), 29–34. https://doi.org/10.58431/jumpa.v15i1.183
Rizieq, M. (2024). Transformasi Layanan Perbankan: Dari Antrian Panjang Menuju Banking In Your Pocket. 5(2), 76–89.
Siregar, H., Dinia, J., & Septiani, R. (2021). Analisis Manajemen Risiko Terhadap Penggunaan E-Banking (Mobile Banking Dan Internet Banking) Pada Bank Bni Syariah. JMB : Jurnal Manajemen Dan Bisnis, 10(1), 187–192. https://doi.org/10.31000/jmb.v10i1.4229
Siregar, S. (2020). Analisis Risiko dalam Perbankan Syariah : tantangan dan solusi. Jurnal Ekonomi Dan Bisnis Islam, 12(1), 56–72.
Sitanggang, A. S., Lestari, S., Febrianti, N. C., Az-zahra, A., & Fitriadi, M. N. (2024). Analisis Tingkat Kepercayaan Nasabah pada Keamanan Transaksi Perbankan melalui Mobile Banking (M-Banking). Jurnal Masharif Al-Syariah, 9(3), 1566–1581.
Tanuwijaya, A., & Zainul Arifin, A. (2023). Persepsi Resiko Pada Penggunaan M-Banking Dalam Layanan Perbankan Di Indonesia. Distribusi - Journal of Management and Business, 11(2), 165–180. https://doi.org/10.29303/distribusi.v11i2.308
Wulandari, N. P., Novandriani, N., & Moeliono, K. (2017). Analisis Faktor-Faktor Penggunaan Layanan Mobile Banking Di Bandung. Bisnis Dan Iptek, 139–149.
Copyright (c) 2025 Moh. Nasukhin Asrori
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.
