Bank Digital: Perilaku Dan Risiko Finansial

Ignatius Novianto Hariwibowo; Wimpie Yustino Setiawan

doi:10.30595/ratio.v5i2.21116

Authors

Ignatius Novianto Hariwibowo Universitas Atma Jaya Yogyakarta
Wimpie Yustino Setiawan Universitas Atma Jaya Yogyakarta

DOI:

https://doi.org/10.30595/ratio.v5i2.21116

Keywords:

risk; digital bank; social network anaylsis; digital behavior

Abstract

Indonesia is one of the countries experiencing rapid digital bank growth. Along with the rapid growth of banks, the risks and problems related to digital banks are also increasing, one of which is consumer behaviour towards risk. Therefore, this study aims to identify the dominant factors that may influence the use of digital bank product services at the level of risk that is understood by the public. This study uses a questionnaire with open questions which will be analysed using a text analysis approach or topic analysis based on the respondents' answers. The social network analysis (SNA) method was chosen to get an overview of the cognitive structure of the respondents related to digital banks. The results of this study indicate that, although respondents are aware that high deposit rates that are not guaranteed by the Deposit Insurance Corporation (LPS) are riskier, respondents still have an interest in using digital bank deposit products. However, the results of the SNA analysis show that the dominant factor that attracts the use of digital bank deposit products is the practical value and convenience offered by digital banks. The results of this study indicate that digital bank acceptance is driven more by digital lifestyle behaviour than economic factors, such as high deposit interest rates offered by digital banks.Â

ABSTRAK

Indonesia merupakan salah satu negara yang mengalami pertumbuhan bank digital yang pesat. Seiring dengan pertumbuhan bank pesat, risiko dan permasalahan yang ada pada bank digital juga menjadi meningkat, dimana salah satu penyebabnya adalah perilaku konsumen terhadap risiko. Oleh karena itu, penelitian ini bertujuan untuk mengidentifikasi faktor dominan yang dapat memengaruhi penggunaan layanan produk bank digital pada tingkat risiko yang dipahami masyarakat. Penelitian ini menggunakan kuesioner dengan pertanyaan terbuka yang akan dianalisa dengan pendekatan analisa teks atau analisa topik berdasarkan jawaban responden. Metode social network analysis (SNA) dipilih untuk mendapatkan gambaran dari struktur kognitif responden terkait dengan bank digital. Hasil penelitian ini menunjukkan bahwa, walaupun responden menyadari bunga simpanan tinggi yang tidak dijamin Lembaga Penjamin Simpanan (LPS) lebih berisiko, responden tetap memiliki ketertarikan untuk menggunakan produk simpanan bank digital. Namun demikian, hasil analisa SNA menunjukkan bahwa faktor dominan yang menarik untuk penggunaan produk simpanan bank digital adalah nilai praktis dan kemudahan yang ditawarkan oleh bank digital. Hasil penelitian ini mengindikasikan bahwa penerimaan bank digital lebih didorong oleh perilaku gaya hidup digital dari pada faktor ekonomi, seperti tawaran bunga simpanan tinggi yang diberikan bank digital.

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