Tantangan dan Strategi Manajemen Risiko Lembaga Keuangan di Era Digital

Nanda Rahmah

doi:10.53697/emak.v5i4.1647

Authors

Nanda Maulidiyah Cahya Rahmah UIN Sunan Ampel Surabaya

DOI:

https://doi.org/10.53697/emak.v5i4.1647

Keywords:

Lembaga Keuangan, Manajemen, Teknologi

Abstract

Lembaga keuangan modern menghadapi tantangan yang semakin kompleks seiring dengan kemajuan teknologi dan perubahan peraturan yang dinamis. Tujuan dari penelitian ini adalah untuk menganalisis tantangan terpenting manajemen risiko di lembaga keuangan dan strategi efektif untuk menyelesaikannya di era digital. Pendekatan kualitatif digunakan untuk mengumpulkan informasi dari penelitian literatur dan analisis kasus aktual. Hasil survei menunjukkan bahwa risiko dunia maya, perubahan peraturan, dan volatilitas pasar merupakan tantangan terbesar yang mempengaruhi stabilitas dan operasional lembaga keuangan. Selain itu, adopsi teknologi finansial (FinTech) mempunyai implikasi signifikan terhadap strategi manajemen risiko. Studi tersebut mengusulkan beberapa strategi, termasuk peningkatan investasi dalam keamanan siber, penerapan sistem manajemen risiko terintegrasi, dan kolaborasi dengan perusahaan FinTech dalam inovasi produk dan layanan. Temuan ini memberikan panduan praktis bagi para manajer lembaga keuangan mengenai tantangan manajemen risiko di era digital, serta kontribusi teoretis terhadap pengembangan literatur manajemen risiko keuangan.

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