ANALISIS PERAN TEKNOLOGI FINANSIAL DALAM MEMPERKUAT EFISIENSI OPERASIONAL BANK

Abstract

The rapid development of financial technology (fintech) in recent decades has brought significant changes to the banking sector, particularly in terms of operational efficiency. Digital transformation, which includes the use of technologies such as blockchain, artificial intelligence (AI), and big data analytics, enables banks to enhance efficiency, reduce costs, and improve customer experience. While the benefits offered by these technologies are substantial, challenges related to regulation, data security, and compliance with sharia principles remain significant barriers, especially for Islamic banks. This study aims to analyze the role of financial technology in strengthening the operational efficiency of banks, as well as to explore the challenges and opportunities in implementing these technologies. The research method employed is a literature review, analyzing 10 scholarly articles published between 2021 and 2025 that discuss the application of financial technology in the banking sector. The findings indicate that the adoption of financial technology can significantly enhance operational efficiency, reduce costs, and expand financial inclusion, although challenges related to regulation and appropriate implementation for market needs still exist. Therefore, banks need to develop an integrated strategy to fully leverage these technologies.