Peran Digitalisasi Dalam Meningkatkan Kinerja Perbankan Di Era Transformasi Teknologi
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Abstract
Artikel ini bertujuan untuk menganalisis peran digitalisasi terhadap kinerja perbankan, baik dari segi efisiensi operasional, pelayanan nasabah, maupun daya saing bank di pasar. Digitalisasi telah membawa perubahan signifikan dalam berbagai sektor, termasuk sektor perbankan. Era transformasi digital mendorong bank untuk mengadopsi teknologi informasi yang canggih dalam operasional mereka, yang pada gilirannya mempengaruhi kinerja perbankan. Transformasi digital yang begitu pesat dalam dunia perbankan, menekankan perlu adanya adaptasi dengan layanan digital untuk memenuhi kebutuhan nasabah secara efektif. Penelitian ini menggunakan metode literature riview, yaitu suatu pendekatan yang digunakan untuk mengkaji, menganalisis, dan merangkum hasil-hasil penelitian yang sudah ada di dalam literatur atau sumber yang relevan dengan topik yang sedang diteliti. Hasil penelitian menunjukkan bahwa digitalisasi memiliki dampak yang signifikan terhadap peningkatan efisiensi operasional, pengurangan biaya operasional, dan peningkatan kualitas layanan kepada nasabah. Namun, tantangan seperti perlindungan data pribadi dan keamanan siber juga menjadi perhatian utama dalam implementasi teknologi digital di perbankan. Kesimpulannya, digitalisasi bukan hanya sebuah peluang, tetapi juga tantangan yang harus dikelola dengan baik untuk mencapai kinerja yang optimal di era transformasi digital.
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