Pemetaan risiko pada penerapan online banking dengan pendekatan erm (studi kasus pada bank xyz)

Sakti, Mochamad Aji Jaya (2018) Pemetaan risiko pada penerapan online banking dengan pendekatan erm (studi kasus pada bank xyz). Masters thesis, Institut Pertanian Bogor.

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Abstract

The implementation of online banking in Indonesia is inline with the increasing of mobile device users who have become a part of people's lifestyle, hence online banking offers easy to access on banking services. Compared to conventional banking services where customers must approach the Bank to conduct transactions, online banking services are perceived to be easier and more flexible. Changing the manual process to digital allows more flexible process where customers don’t need to go to the Bank but can use Bank channels. The use of online banking technology has potential risks that must be managed and considered by the Bank. Bank Indonesia (BI) and the Otoritas Jasa Keuangan (OJK) as regulators in the Indonesia financial industry, impose some rules regarding the implementation of online banking. It is intended that the implementation of online banking can be implemented with regard to aspects of risk management and consumer protection. This study aims to examine risk mapping on implementation online banking using ERM approach, including risk mitigation strategies for identified risks.This research was conducted at XYZ Bank who has implemented online banking. The results of this study found 55 potential risk. Some of identified risks related to operational risk such as bank system security like vulnerability to viruses, malware, hacking, also access information by unauthorized person. Risk mitigation strategies applied by XYZ Bank is mostly done by managing the risk. The reason because implementation online banking still on development process, and the Bank remains optimistic with the future prospect of online banking by staying with government regulations.

Item Type: Thesis (Masters)
Uncontrolled Keywords: bank, ERM, online banking, risiko, Enterprise Risk Management banking, ERM, online banking, risk
Subjects: Manajemen Keuangan
Depositing User: SB-IPB Library
Date Deposited: 28 Sep 2018 03:33
Last Modified: 28 Sep 2018 03:33
URI: http://repository.sb.ipb.ac.id/id/eprint/3154

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