Dampak Fintech Terhadap Masa depan Perbankan Konvensional dalam Konteks Bank Mandiri
DOI:
https://doi.org/10.62383/demokrasi.v1i4.504Keywords:
Fintech, Conventional Banking, Bank Mandiri, Innovation, CollaborationAbstract
The emergence of financial technology (fintech) has brought significant disruption to the conventional banking industry. Fintech offers faster, cheaper and more accessible financial services, which appeal to many customers, especially the younger generation. This study aims to analyse the impact of fintech on the future of conventional banking, with a focus on Bank Mandiri, one of the largest banks in Indonesia. The results show that fintech has a significant impact on various aspects of conventional banking, including: 1) Products and services. Fintech offers innovative and diverse financial products and services that conventional banks cannot access. 2) Distribution channels: Fintechs utilise digital technology to reach customers directly, without the need for physical branches. 3) Business model. Fintech has a more efficient and cost-effective business model compared to conventional banks. 4) Customer engagement. Fintech offers a more personalised and interactive customer experience. Bank Mandiri shows that the bank has taken various strategic steps to face competition with fintech, such as: developing digital services, collaborating with fintech startups, improving operational efficiency. Disputes between fintech consumers and fintech service providers can be resolved through: negotiation, mediation, arbitration, court and legal comparison with default. In addition, we also highlight the need for collaboration between government agencies, industry players, and the tech community to develop a comprehensive and adaptive regulatory framework.
Downloads
References
Abubakar, L., & Handayani, T. (2022). Penguatan regulasi: Upaya percepatan transformasi digital perbankan di era ekonomi digital. Masalah-Masalah Hukum, 51(3), 259–270. https://doi.org/10.14710/mmh.51.3.2022.259-270
Aspar, A. K. K. (2020). Pengaruh financial technology (Fintech) terhadap profit keuangan perbankan di Indonesia (Studi kasus pada bank BUMN KBMI 4), 31–48.
Bankmandiri.co.id. (2024). Bank Mandiri. https://www.bankmandiri.co.id/en/web/ir/home.
Dewi, M. A. (2020). Dampak fintech terhadap perkembangan inklusi keuangan pada UMKM di Jawa Timur. Gorontalo Accounting Journal, 3(2), 68. https://doi.org/10.32662/gaj.v3i2.973
Fachrurrazy, M., & Siliwadi, D. N. (2020). Regulasi dan pengawasan fintech di Indonesia: Perspektif hukum ekonomi syariah. AL-SYAKHSHIYYAH Jurnal Hukum Keluarga Islam Dan Kemanusiaan, 2(2), 154–171. https://doi.org/10.35673/as-hki.v2i2.928
Fariana, A., & Safii, A. (2018). Sinergi fintech dengan perbankan syariah dalam perspektif hukum. Istinbath: Jurnal Hukum Dan Ekonomi Islam, 17(2), 259–475. http://www.istinbath.or.id
Fatimah, S. B., & Hendratmi, A. (2020). Digitalisasi pada Bank Mandiri Syariah di tengah persaingan dan perubahan teknologi. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(4), 795. https://doi.org/10.20473/vol7iss20204pp795-813
Febri, W., Sudirman, R., Sari, E. N., & Reza, S. (2023). Apakah fintech lending meningkatkan kinerja perbankan syariah. Journal of Trends Economics and Accounting Research, 1(2), 81–90.
Finansial.bisnis.com. (2023). Bank Mandiri Torehkan Kinerja Impresif Pada Kuartal I/2023. https://finansial.bisnis.com/read/20230428/90/1651124/bank-mandiri-torehkan-kinerja-impresif-pada-kuartal-i2023.
Gunadi, W. (2018). Regulasi fintech pada era industri 4.0. Di Presentasikan Pada Konferensi Digital Transformation & Industry 4.0 Jakarta 28 November 2018, November, 1–36.
Karina, I. I. (2023). Profitabilitas bank konvensional Indonesia sebelum dan sesudah financial technology (Fintech) digunakan (Studi pada Bank BRI, Bank BNI, Bank BTN). http://eprints.ums.ac.id/id/eprint/107083%0Ahttp://eprints.ums.ac.id/107083/11/NASKAH PUBLIKASI.pdf
Martinelli, I. (2021). Menilik financial technology (Fintech) dalam bidang perbankan yang dapat merugikan konsumen. Jurnal SOMASI (Sosial Humaniora Komunikasi, 2(1), 32–43. https://doi.org/10.53695/js.v2i1.353
Maulidya, G. P., & Afifah, N. (2021). Perbankan dalam era baru digital: Menuju bank 4.0. Proceeding Seminar Bisnis Seri V, 278–288.
Miswan, A. (2019). Perkembangan dan dampak financial technology (Fintech) terhadap industri keuangan syariah di Jawa Tengah. Skripsi, 1, 105–112.
Ningtias, M. B. P. (2022). Pengaruh financial technology (Fintech) terhadap profitabilitas perbankan di Indonesia (Studi kasus pada Bank Mandiri, Bank BNI, Bank BRI, dan Bank BTN tahun 2012-2020). Skripsi, 55. http://eprints.ums.ac.id/97757/
Nurul Azmi, & Yuni Yuniawati. (2022). Pengaruh financial technology terhadap profitabilitas Bank Mandiri. Journal of Trends Economics and Accounting Research, 3(2), 94–98. https://doi.org/10.47065/jtear.v3i2.134
Nurzianti, R. (2021). Revolusi lembaga keuangan syariah dalam teknologi dan kolaborasi fintech. Jurnal Inovasi Penelitian, 2(1), 37.
Parsaulian, B. (2021). Regulasi teknologi finansial (Fintech) di Indonesia. Fundamental: Jurnal Ilmiah Hukum, 10(2), 167–178. https://doi.org/10.34304/jf.v10i2.55
Pham, P. T., Tran, B. T., Huynh, T. H., Popesko, B., & Hoang, D. S. (2024). Impact of fintech’s development on bank performance: An empirical study from Vietnam. Gadjah Mada International Journal of Business, 26(1), 1–22. https://doi.org/10.22146/gamaijb.71040
Rahmayani, N. (2018). Tinjauan hukum perlindungan konsumen terkait pengawasan perusahaan berbasis financial technology di Indonesia. Pagaruyuang Law Journal, 2(1), 24–41. www.hukumonline.com
Royyan Ramly, A. H. (1967). Pemodelan efisiensi bank di Indonesia: Perbandingan antara bank syariah dan bank konvensional. Angewandte Chemie International Edition, 6(11), 951–952. https://doi.org/10.15408/ess.v7i2
Santi, M. (2015). Bank konvensional vs bank syariah. Jurnal Ekonomi Syari’ah & Bisnis Islam, 2(1), 1–22.
Sumartini, S., Arifin, J., & Gatri Sagala, S. (2021). Status dan kedudukan hukum lembaga financial technology (Fintech) syariah dalam menyelenggarakan jasa keuangan kepada masyarakat. Yustitia, 7(2), 196–208. https://doi.org/10.31943/yustitia.v7i2.143
Utama, A. S. (2021). Digitalisasi produk bank konvensional dan bank syariah di Indonesia. Jurnal Justisia: Jurnal Ilmu Hukum, Perundang-Undangan Dan Pranata Sosial, 6(2), 113. https://doi.org/10.22373/justisia.v6i2.11532
www.bcg.com. (2023). The Future of Fintech and Banking. https://www.bcg.com/publications/2023/future-of-fintech-and-banking.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Demokrasi: Jurnal Riset Ilmu Hukum, Sosial dan Politik
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
