Transformasi Digital Banking Bank BJB : Strategi, Inovasi, dan Dampaknya terhadap Kinerja Perbankan
Keywords:
Digital Banking, Bank BJB, Transformasi Digital, Fintech, Efisiensi PerbankanAbstract
Transformasi digital telah menjadi elemen penting dalam pengembangan industri perbankan, terutama dalam menjawab tuntutan efisiensi, keamanan, dan kenyamanan nasabah. Penelitian ini bertujuan untuk menganalisis strategi digitalisasi yang diterapkan di Bank BJB, mengevaluasi dampaknya terhadap operasional dan kinerja keuangan, serta mengidentifikasi tantangan yang dihadapi dalam proses transformasi tersebut. Dengan pendekatan deskriptif kualitatif, penelitian ini menggunakan data sekunder dari laporan tahunan, publikasi resmi bank, dan sumber akademik. Hasil penelitian menunjukkan bahwa digitalisasi Bank BJB melalui inovasi layanan seperti BJB DIGI, DigiCash, dan kerja sama dengan fintech telah meningkatkan efisiensi operasional dan memperluas jangkauan layanan. Namun demikian, tantangan berupa literasi digital, keamanan data, dan transformasi budaya organisasi masih menjadi hambatan utama. Penelitian ini memberikan rekomendasi strategis bagi manajemen Bank BJB untuk mempercepat transformasi digital yang inklusif dan berkelanjutan.
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