Implementasi enterprise risk management (erm) dalam mengelola risiko digital di perbankan syariah era industri 4.0
Abstract
The Industrial 4.0 era has driven a massive transformation in the banking sector, especially Islamic banking, through increased adoption of digital technologies that present both opportunities and emerging risks. This article aims to analyze the significance of implementing Enterprise Risk Management (ERM) in addressing digital risks in Islamic banking. Using a conceptual analysis approach combined with literature review, this study highlights how ERM helps Islamic banks identify, assess, and respond to various digital threats, such as cyberattacks, data breaches, and compliance challenges with sharia principles. ERM implementation based on the COSO framework involves eight key components that strengthen digital risk management in an integrated and comprehensive manner. The study concludes that optimal ERM implementation enhances operational resilience, maintains customer trust, and ensures the sustainability and competitiveness of Islamic banks in an increasingly complex and dynamic digital environment.
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