Dampak Pandemi Covid-19 terhadap Percepatan Transformasi Digital di Sektor Perbankan Indonesia
DOI:
https://doi.org/10.53697/emak.v6i3.2459Keywords:
Transformasi Digital, Sektor Perbankan, Pandemi Covid-19Abstract
Penelitian ini bertujuan untuk menganalisis dampak pandemi Covid-19 terhadap percepatan transformasi digital di sektor perbankan Indonesia. Pandemi telah menjadi katalis yang memaksa industri perbankan untuk mempercepat adopsi teknologi digital demi menjaga kelangsungan operasional, memenuhi ekspektasi nasabah, dan mendukung kebijakan pembatasan sosial. Studi ini menggunakan metode kualitatif deskriptif dengan pendekatan studi pustaka, mengkaji berbagai publikasi ilmiah, laporan industri, serta data sekunder dari lembaga keuangan dan regulator selama periode 2018–2023. Fokus utama penelitian meliputi perubahan strategi layanan perbankan, peningkatan penggunaan teknologi digital, serta implikasi terhadap efisiensi operasional dan kepuasan nasabah. Hasil penelitian menunjukkan bahwa pandemi mendorong akselerasi transformasi digital secara signifikan, tercermin dari peningkatan investasi teknologi, perluasan layanan digital banking, dan penurunan ketergantungan terhadap layanan konvensional. Selain itu, kolaborasi antara bank dan perusahaan teknologi finansial (fintech) meningkat untuk menciptakan ekosistem digital yang lebih inklusif. Namun, percepatan ini juga menghadirkan tantangan, terutama terkait keamanan data, kesiapan infrastruktur, dan literasi digital masyarakat. Kesimpulan dari penelitian ini menyatakan bahwa pandemi Covid-19 tidak hanya berdampak sebagai gangguan jangka pendek, tetapi menjadi pemicu strategis dalam perubahan paradigma industri perbankan menuju digitalisasi yang lebih matang dan berkelanjutan. Rekomendasi diberikan kepada pelaku industri dan regulator untuk memperkuat kerangka kebijakan, infrastruktur digital, serta program literasi guna mendukung transformasi digital yang inklusif dan aman.
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Copyright (c) 2025 Jonathan Hartono, Kenny Brian, Edric Ferdian, Joe Valentino, Vincentinus Felix, Nanik Linawati
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