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PENGUATAN REGULASI: UPAYA PERCEPATAN TRANSFORMASI DIGITAL PERBANKAN DI ERA EKONOMI DIGITAL
Copyright (c) 2022 Masalah-Masalah Hukum License URL: http://creativecommons.org/licenses/by-nc/4.0
Abstract
Era digital mendorong perbankan nasional bertransformasi menjadi Bank Digital. Transformasi ini melahirkan bank yang lebih efisien, inovatif dan mampu menciptakan inklusi keuangan serta memberi akses yang luas bagi pelaku usaha UMKM. Tantangannya antara lain investasi yang besar; inovasi produk dan layanan yang cepat; hadirnya alternatif layanan keuangan nonbank (Fintech); dan potensi penyalahgunaan dan keamanan data nasabah. Oleh karena itu, diperlukan penguatan regulasi di beberapa aspek agar transformasi digital perbankan dapat mencapai tujuannya yaitu untuk menciptakan perbankan yang memiliki daya tahan, berdaya saing dan kontributif. Selain implementasi prudential banking principle, regulasi yang perlu diperkuat adalah tata kelola dan manajemen risiko teknologi informasi pada Bank Digital yang berbeda karakteristiknya dengan Bank tradisional.
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References
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