Mengelola risiko layanan digital: kasus gangguan m-banking pada BSI

Authors

  • Najwa Ishma Shofiranti Universitas Islam Maulana Malik Ibrahim Malang

Keywords:

banking digitalization,, cyber risk, ransomware, risk management, Bank Syariah Indonesia.

Abstract

Digital transformation in the banking sector has brought convenience and efficiency of services to customers, but has also given rise to new challenges in the form of increasingly complex cyber risks. This article discusses the case of a digital service disruption experienced by Bank Syariah Indonesia (BSI) in May 2023 as a real example of the vulnerability of the banking system to ransomware attacks. The disruption had a wide impact, not only technically, but also on reputation and compliance with personal data protection regulations. Through a descriptive-qualitative approach based on literature studies, this article identifies various types of digital risks and formulates risk management strategies that include strengthening system security, emergency response readiness, crisis communication, diversification of service channels, and increasing digital literacy. Collaboration between banks, regulators, and cybersecurity authorities is also emphasized as an important step to strengthen the resilience of the national financial system in the ever-evolving digital era.

Downloads

Download data is not yet available.

Downloads

Published

2025-10-13

How to Cite

Shofiranti, N. I. (2025). Mengelola risiko layanan digital: kasus gangguan m-banking pada BSI. Maliki Interdisciplinary Journal, 3(12), 2014–2017. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/15680

Issue

Vol. 3 No. 12 (2025): DECEMBER

Section

Articles

License

Authors who publish with this journal agree to the following terms:

  • 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.