Technology-Based Risk Management: Risk Management Innovation in the Era of Fintech and Open Banking

Authors

  • Joni Hendra Sekolah Tinggi Agama Islam Negeri Bengkalis, Indonesia
  • Resta Sofiatul Ummah Sekolah Tinggi Agama Islam Negeri Bengkalis, Indonesia
  • Nurul Wulandari Saputri Sekolah Tinggi Agama Islam Negeri Bengkalis, Indonesia
  • Cahaya Iklima Sekolah Tinggi Agama Islam Negeri Bengkalis, Indonesia
  • Violla Marchella Sekolah Tinggi Agama Islam Negeri Bengkalis, Indonesia

DOI:

https://doi.org/10.57235/bima.v2i2.6297

Keywords:

Risk Management, Financial Technology, Fintech, Open Banking, Banking Digitalization, Cyber Risk

Abstract

The digital transformation of the banking industry has fostered the emergence of various financial innovations, including fintech and open banking, significantly reshaping the landscape of risk management. This study aims to analyze how financial institutions adopt technology-based risk management systems to address the complexity and rapid changes in the digital era. Using a qualitative descriptive approach, this research explores the implementation of technologies such as big data analytics, artificial intelligence (AI), and blockchain in detecting, analyzing, and mitigating risks arising from the integration of banking services with third-party platforms. The findings reveal that the adoption of digital technologies not only enhances risk management efficiency but also expands the capacity for real-time and predictive risk detection. Nonetheless, challenges such as cyber risk, dependency on digital infrastructure, and the need for adaptive regulation remain critical concerns. This study is expected to contribute to the development of responsive and sustainable risk management strategies in the era of fintech and open banking.

Downloads

Download data is not yet available.

References

Abubakar, Lastuti, & Handayani, Tri. (2022). Penguatan Regulasi: Upaya Percepatan Transformasi Digital Perbankan Di Era Ekonomi Digital. Masalah-Masalah Hukum, 51(3), 259–270. https://doi.org/10.14710/mmh.51.3.2022.259-270

Aprilia, Elvina. (2018). Peran Teknologi Dalam Manajemen Risiko Dan Inovasi. Jurnal Pendidikan Agama Islam, 2(2), 94–100.

Bahri, S., Marchella, V., & Hendra, J. (2025). Lingkungan Pemasaran Bank. Journal of Business Inflation Management and Accounting, 2(1), 328-333.

Bakri, Asri Ady, Hasanah, Niswatun, & Lasmiatun, Kmt. (n.d.). Financial Technology Innovation And Banking Industry Transformation (A Literature Study On Financial Markets). Multifinance Jurnal Ekonomi, Manajemen Dan Perbankan, 230–238. Retrieved from http://altinriset.com/journal/index.php/multifinance

Bakri, Asri Ady, Hasanah, Niswatun, & Lasmiatun, Kmt. (n.d.). Financial Technology Innovation And Banking Industry Transformation (A Literature Study On Financial Markets). Multifinance Jurnal Ekonomi, Manajemen Dan Perbankan, 230–238. Retrieved from http://altinriset.com/journal/index.php/multifinance

Cahyati, C., Sukmalika, F., & Putri, J. (2025). Analisis Pengaruh Inflasi Terhadap Tingkat Pengangguran di Negara Berkembang. Journal of Business Inflation Management and Accounting, 2(1), 33-40.

Ferozi Ramdana Irsyad, Filja Azkiah Siregar, Jonatan Marbun, & Hasyim Hasyim. (2024). Menghadapi Era Baru : Strategi Perbankan Dalam Menghadapi Perubahan Pasar Dan Teknologi Di Indonesia. Transformasi: Journal of Economics and Business Management, 3(2), 29–46. https://doi.org/10.56444/transformasi.v3i2.1594

Ferozi Ramdana Irsyad, Filja Azkiah Siregar, Jonatan Marbun, & Hasyim Hasyim. (2024). Menghadapi Era Baru : Strategi Perbankan Dalam Menghadapi Perubahan Pasar Dan Teknologi Di Indonesia. Transformasi: Journal of Economics and Business Management, 3(2), 29–46. https://doi.org/10.56444/transformasi.v3i2.1594

Indrayani, Eka, Berlian, Sucma, & Lestari, Rina Puji. (2025). Peran Digitalisasi Dalam Meningkatkan Kinerja Perbankan Di Era Transformasi Teknologi. 4(3), 293–301.

Indrayani, Eka, Berlian, Sucma, & Lestari, Rina Puji. (2025). Peran Digitalisasi Dalam Meningkatkan Kinerja Perbankan Di Era Transformasi Teknologi. 4(3), 293–301.

Isman, I., Hidayat, S., Narwanto, N., & ... (2024). Transformasi digital BMT Surya Madani: Integrasi e-banking dan financial technology menuju implementasi open loop LKMS 2025. BEMAS: Jurnal …, 5(September 2024), 84–95. https://doi.org/10.37373/bemas.v5i1.1119

Isman, I., Hidayat, S., Narwanto, N., & ... (2024). Transformasi digital BMT Surya Madani: Integrasi e-banking dan financial technology menuju implementasi open loop LKMS 2025. BEMAS: Jurnal …, 5(September 2024), 84–95. https://doi.org/10.37373/bemas.v5i1.1119

Ngamal, Yohanes, & Maximus Ali Perajaka. (2021). Penerapan Model Manajemen Risiko Teknologi Digital Di Lembaga Perbankan Berkaca Pada Cetak Biru Transformasi Digital Perbankan Indonesia. Jurnal Manajemen Risiko, 2(2), 59–74. https://doi.org/10.33541/mr.v2iiv.4099

Sadiqin, Amin, Komariyah, Fitri, & Prasetyo, Hendra Dwi. (2024). Pengaruh Penerapan Teknologi Finansial (Fintech) Terhadap Efisiensi Operasional Perbankan di Indonesia. 1(1), 11–18.

Saprudin, M., Sofiyanto, S., & Hendra, J. (2025). Implementasi Digitalisasi Upaya Mempermudah Bank Syariah Indonesia Dalam Melakukan Forecasting. Journal of Business Inflation Management and Accounting, 2(1), 299-305.

Sari, Zika Puspita, & Huda, Nurul. (2024). Analisis Peran Fintech dalam Mendorong Inovasi Keuangan Modern : Studi Kasus pada OVO di Indonesia pada Tahun 2024.

Sari, Zika Puspita, & Huda, Nurul. (2024). Analisis Peran Fintech dalam Mendorong Inovasi Keuangan Modern : Studi Kasus pada OVO di Indonesia pada Tahun 2024.

Satrio Ronggo Buwono, Abubakar, Lastuti, & Handayani, Tri. (2022). Kesiapan Perbankan Menuju Transformasi Digital Pasca Pandemi Covid-19 Melalui Financial Technology (Fintech). Jurnal Poros Hukum Padjadjaran, 3(2), 228–241. https://doi.org/10.23920/jphp.v3i2.764

Satrio Ronggo Buwono, Abubakar, Lastuti, & Handayani, Tri. (2022). Kesiapan Perbankan Menuju Transformasi Digital Pasca Pandemi Covid-19 Melalui Financial Technology (Fintech). Jurnal Poros Hukum Padjadjaran, 3(2), 228–241. https://doi.org/10.23920/jphp.v3i2.764

Sriyono, Maretha, Sindy Diva, & Devi, Anintya Kurnia. (2023). Memahami Implikasi Open Banking Terhadap Privasi Konsumen Dan Perlindungan Data Di Industri Fintech. Ensiklopedia of Journal, 5(4), 406–411.

Sriyono, Maretha, Sindy Diva, & Devi, Anintya Kurnia. (2023). Memahami Implikasi Open Banking Terhadap Privasi Konsumen Dan Perlindungan Data Di Industri Fintech. Ensiklopedia of Journal, 5(4), 406–411.

Sukma, S., Syakila, D. A., & Avrilia, B. M. (2025). Kebijakan Moneter dan Dampak Terhadap Pertumbuhan Ekonomi Indonesia Tahun 2020. JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling, 3(1), 189-200.

Sutrisno, T. (2025). Dampak Keterlambatan Penyampaian Laporan Keuangan Terhadap Kinerja Keuangan Perusahaan Publik. EMBER: Economic Management Business Research Journal, 1(1), 14-19

Syantana, A. V., Algifari, M., Jannah, N. W., & Hendra, J. (2025). Peran Stabilitas Ekonomi dalam Meningkatkan Pendapatan Rumah Tangga: Kajian Teoritis dan Empiris. JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling, 3(1), 236-243.

Toni, Wijaya, & Lukman, Habibul Umam. (2024). Tantangan dan Strategi manajemen pendidikan islam di era digital. AN-NAJAH Jurnal Pendidikan Islam Dan Sosial Agama, 03(03), 35–40.

Toni, Wijaya, & Lukman, Habibul Umam. (2024). Tantangan dan Strategi manajemen pendidikan islam di era digital. AN-NAJAH Jurnal Pendidikan Islam Dan Sosial Agama, 03(03), 35–40.

Tsakila, Nur Fazri, Wirahadi, M. Arya, Fadilah, Azwar Alif, & Simanjuntak, Henri. (2024). Analisis Dampak Fintech terhadap Kinerja dan Inovasi Perbankan di Era Ekonomi Digital. Indonesian Journal of Law and Justice, 1(4), 11. https://doi.org/10.47134/ijlj.v1i4.2787

Tsakila, Nur Fazri, Wirahadi, M. Arya, Fadilah, Azwar Alif, & Simanjuntak, Henri. (2024). Analisis Dampak Fintech terhadap Kinerja dan Inovasi Perbankan di Era Ekonomi Digital. Indonesian Journal of Law and Justice, 1(4), 11. https://doi.org/10.47134/ijlj.v1i4.2787

Wahyuni, S. R., Ulfa, M., & Maisyarah, J. (2025). Analisis Dampak Financial Technology (Fintech) Terhadap Inklusi Keuangan dan Perkembangan UMKM di Indonesia. JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling, 3(1), 244-249.

Wandari, P., Rizki, M., & Hendra, J. (2025). Dampak Pertumbuhan Industri Betting Coin Terhadap Stabilitas Ekonomi di Era Kripto. JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling, 3(1), 228-235.

Downloads

Published

2025-08-05

Issue

Vol. 2 No. 2 (2025): Juli 2025

Section

Articles

Citation Check

License

  1. Authors certify that the work reported here has not been published before and contains no materials the publication of which would violate any copyright or other personal or proprietary right of any person or entity.
  2. Authors dont transfer or license the copyright of publishing to BIMA: Journal of Business Inflation Management and Accounting Research to publish the article in any media format, to share, to disseminate, to index, and to maximize the impact of the article in any databases.
  3. Authors hereby dont agree to transfer a copyright for publishing to BIMA: Journal of Business Inflation Management and Accounting a Publisher of the manuscript. 
  4. Authors reserve the following: 
    1. all proprietary rights other than copyright such as patent rights; 
    2. the right to use all or part of this article in future works of our own such as in books and lectures;
    3. use for presentation in a meeting or conference and distributing copies to attendees; 
    4. use for internal training by author's company;
    5. distribution to colleagues for their research use;
    6. use in a subsequent compilation of the author's works;
    7. inclusion in a thesis or dissertation;
    8. reuse of portions or extracts from the article in other works (with full acknowledgement of final article);
    9. preparation of derivative works (other than commercial purposes) (with full acknowledgement of final article); and
    10. voluntary posting on open web sites operated by author or author’s institution for scholarly purposes, but it should follow the open access license of Creative Common CC BY-NC License.