Transformasi digital di sektor perbankan: sebuah kajian faktor-faktor kunci melalui systematic literature review

Abstract

Purpose: This article explores the imperative of digital transformation in the banking sector, particularly for Rural Credit Banks (BPR) and Regional Development Banks (BPD) that face challenges in implementing electronic transactions.

Methods: The study employs a systematic literature review to identify and analyze the critical factors influencing digitalization, drawing insights from global contexts.

Findings: Despite the success of general banks in adopting digital services, BPR and BPD lag due to a lack of digital transformation, which is evidenced by their decreasing number and struggles to meet Minimum Core Capital requirements.

Practical Implications: The research highlights the need for BPR and BPD to develop comprehensive, holistic digital strategies that improve digital responsiveness, infrastructure, and trust, ensuring their sustainability and competitiveness in the digital era.