Article Sidebar

Download
PDF
Statistic
Read Counter : 75 Download : 52

Main Article Content

Abstract

The purpose of this study is to evaluate the implementation of cybersecurity policies outlined in the Master Plan for Information Technology (RITI) within Indonesia’s digital banking sector, with a specific focus on assessing their effectiveness in mitigating increasingly sophisticated cyber threats. Employing a descriptive qualitative research design, this study uses a literature review approach based on credible sources, including peer-reviewed scientific articles, regulatory policy documents, and case studies involving cyberattacks on Indonesian banks. The findings indicate that while the regulatory frameworks established by Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) serve as a solid foundation for cybersecurity governance, their implementation remains inconsistent across institutions, particularly due to resource disparities between large and small banks. Smaller banks often face significant obstacles such as limited IT infrastructure, insufficient human resources, and lack of technical oversight, which hinder the full adoption of cybersecurity standards. The discussion highlights the need for more proactive supervision, tailored technical support, and the adoption of AI-driven solutions for real-time threat detection and rapid incident response. The study concludes that fostering stronger collaboration between regulatory bodies, financial institutions, and private technology providers is crucial for creating an integrated and resilient cybersecurity ecosystem. These efforts are essential not only for strengthening system resilience but also for increasing customer trust in digital banking services.

Keywords

Bank Indonesia Cybersecurity Digital Banking OJK

Article Details

References

  1. Aini, A. N., Girsang, R., Putri, A. J., & Suwarsit, S. (2024). Efektivitas Pengawasan Otoritas Jasa Keuangan (OJK) Dalam Menjamin Keamanan Dana Nasabah di Era Perbankan Digital: Studi Kasus Bank Syariah Indonesia. Media Hukum Indonesia (MHI), 2(4), 359–363. https://doi.org/10.5281/zenodo.14195708
  2. Alfarizi, R., Satrio, A. J., Praseyto, Y. O., & Syahputra, M. F. (2024). ANALISIS PERKEMBANGAN TEKNOLOGI M-BCA DAN KEAMANAN SIBER DI BANK CENTRAL ASIA. Jurnal Akademik Ekonomi Dan Manajemen, 1(4), 43–53. https://doi.org/10.61722/jaem.v1i4.3204
  3. Amanda, P., & Sudrajad, O. Y. (2023). Evaluation of Digital Banking Efficiency in Indonesian Banking Sector using Data Envelopment Analysis (DEA) Approach. International Journal of Current Science Research and Review, 06(08), 5345–5353. https://doi.org/10.47191/ijcsrr/v6-i8-01
  4. Aprilianti, A. (2024). Efektivitas dan Implementasi Undang-Undang Informasi dan Transaksi Elektronik sebagai Hukum Siber di Indonesia: Tantangan dan Solusi. Begawan Abioso, 15(1), 41–50. https://doi.org/10.37893/abioso.v15i1.1002
  5. Azmi, M. N. A., Saifudin, H., Purba, C. T., Suryaningtyas, A., & Situmorang, U. S. (2024). Analisa Kasus Kebocoran Data pada Bank Indonesia Dalam Sistem Perbankan: Indonesia. Jurnal Multidisiplin Ilmu Akademik, 1(6), 448–458. https://doi.org/10.61722/jmia.v1i6.3267
  6. Dermawan, I., Baidawi, A., & Dewi, S. M. (2023). Serangan Cyber dan Kesiapan Keamanan Cyber Terhadap Bank Indonesia. Jurnal Informasi Dan Teknologi, 20–25. https://doi.org/10.60083/jidt.v5i3.364
  7. Fitri, D., Soesanto, E., & Winny, W. (2024). Implementasi Nilai-Nilai Kebangsaan yang Bersumber UUD 1945 dan NKRI dalam Mengacu Peran Manajemen Sekuriti Menunjang Keamanan Data Nasabah di Era Digital pada PT Bank Rakyat Indonesia. Sammajiva: Jurnal Penelitian Bisnis Dan Manajemen, 2(2), 84–105. https://doi.org/10.47861/sammajiva.v2i2.986
  8. Hasanah, N., Sayuti, M. N., & Lisnawati, L. (2024). Optimalisasi regulasi perbankan syariah oleh Bank Indonesia dan Otoritas Jasa Keuangan dalam akselerasi transformasi digital. Jurnal Manajemen Terapan Dan Keuangan, 13(03), 709–723.
  9. Hidayat, A., & Kassim, S. (2023). THE DETERMINANTS OF DIGITAL BANKING ADOPTION AMONG BANKS OFFERING ISLAMIC BANKING SERVICES. Journal of Islamic Monetary Economics and Finance, 9. https://doi.org/10.21098/jimf.v9i4.1688
  10. Ilma, M. A. (2022). Bank role in preventing money laundering and cyber security. Technium Soc. Sci. J., 37, 287. https://doi.org/10.47577/tssj.v37i1.7595
  11. Javaheri, D., Fahmideh, M., Chizari, H., Lalbakhsh, P., & Hur, J. (2024). Cybersecurity threats in FinTech: A systematic review. Expert Systems with Applications, 241, 122697. https://doi.org/10.48550/arXiv.2312.01752
  12. Jaya, A. (2024). How Do Fintech and Digital Banking Affect Indonesia Digital Bank Share Prices and Trading Volumes? Revenue Journal: Management and Entrepreneurship, 2. https://doi.org/10.61650/rjme.v2i2.222
  13. Kharisma, D., Tobing, W. T. M. L., Susanti, E., & Aprili, R. (2024). Evaluasi Kebijakan Perlindungan Konsumen dalam Transaksi Digital di Indonesia: Studi Kebijakan dan Analisis SWOT. Perkara: Jurnal Ilmu Hukum Dan Politik, 2(4), 565–578. https://doi.org/10.51903/perkara.v2i4.2228
  14. Kovacevic, A., Radenkovic, S. D., & Nikolic, D. (2024). Artificial intelligence and cybersecurity in banking sector: opportunities and risks. ArXiv Preprint ArXiv:2412.04495. https://doi.org/10.48550/arXiv.2412.04495
  15. Kurnia, P., & Ardianto. (2024). Board gender diversity and cyber security disclosure in the Indonesian banking industry: a two-tier governance context. Corporate Governance: The International Journal of Business in Society, 24(7), 1614–1637. https://doi.org/10.1108/CG-01-2023-0010
  16. Latiff, A. R., Alqudah, M. Z., Samara, H., & Alslaibi, N. (2025). Empowering the financial sector: the role of fintech research development trends. Future Business Journal, 11(1), 92. https://doi.org/10.1186/s43093-025-00512-y
  17. Lubis, A. M., Jelita, G., Wirya, S. O. V., & Nurbaiti, N. (2025). Tantangan dan Keamanan Teknologi Informasi pada Manajemen Bank Syariah. Switch: Jurnal Sains Dan Teknologi Informasi, 3(1), 148–162. https://doi.org/10.62951/switch.v3i1.344
  18. Luthfah, D. (2024). Penguatan Keamanan Siber Pada Sektor Jasa Keuangan Indonesia. Jurnal Penelitian Dan Karya Ilmiah Lembaga Penelitian Universitas Trisakti, 259–267. https://doi.org/10.25105/pdk.v9i1.18643
  19. Maliha, H. (2024). Cybersecurity and Fintech Studies in Academic Discussion. Journal of Islamic Economics Literatures, 5(2). https://doi.org/10.58968/jiel.v5i2.578
  20. Maulisa, N., Mahardika, Z., & Permana, R. B. (2023). Going Digital Rupiah: Some Considerations from Sovereignty, Cybersecurity and Resilience Perspective. Journal of Central Banking Law and Institutions, 2(1), 25–54. https://doi.org/10.21098/jcli.v2i1.42
  21. Otoritas Jasa Keuangan (OJK). (2017). Surat Edaran Otoritas Jasa Keuangan Nomor 21/SEOJK.03/2017 tentang Penerapan Manajemen Risiko dalam Penggunaan Teknologi Informasi oleh Bank Umum.
  22. Otoritas Jasa Keuangan (OJK). (2022a). Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11/POJK.03/2022 tentang Penyelenggaraan Teknologi Informasi oleh Bank Umum.
  23. Otoritas Jasa Keuangan (OJK). (2022b). Surat Edaran Otoritas Jasa Keuangan Nomor 29/SEOJK.03/2022 tentang Ketahanan dan Keamanan Siber bagi Bank Umum.
  24. Parulian, S., Pratiwi, D. A., & Yustina, M. C. (2021). Studi tentang ancaman dan solusi serangan siber di indonesia. Telecommunications, Networks, Electronics, and Computer Technologies (TELNECT), 1(2), 85–92. https://ejournal.upi.edu/index.php/TELNECT/article/view/40866.
  25. Putra, A. P. G., Humani, F., Zakiy, F. W., Shihab, M. R., & Ranti, B. (2020). Maturity assessment of cyber security in the workforce management domain: A case study in Bank Indonesia. 2020 International Conference on Information Technology Systems and Innovation (ICITSI), 89–94. https://doi.org/10.1109/ICITSI50517.2020.9264982
  26. Putri, D. F., Sari, W. R., & Nabbila, F. L. (2023). Analisis Perlindungan Nasabah Bsi Terhadap Kebocoran Data Dalam Menggunakan Digital Banking. Jurnal Ilmiah Ekonomi Dan Manajemen, 1(4), 173–181. https://doi.org/10.61722/jiem.v1i4.331
  27. Sidik, M. (2020). Cyber Security Applied For Financial Sector In Indonesia. Jurnal Pajak Dan Bisnis (Journal of Tax and Business), 1(1), 30–47. https://doi.org/10.55336/JPB.V1I1.6
  28. Triwibowo, S., & Nurbasith, N. (2023). Measuring Financial Inclusion in Indonesia: Asserting the Role of Digital Financial Services BT - Economics and Finance Readings (E. Lau, R. K. Brahmana, & L. M. Tan (eds.); pp. 119–140). Springer Nature Singapore.
  29. Ula, M., & Fuadi, W. (2017). A method for evaluating information security governance (ISG) components in banking environment. Journal of Physics: Conference Series, 812(1), 12031. https://doi.org/10.1088/1742-6596/812/1/012031
  30. Waliullah, M., George, M. Z. H., Hasan, M. T., Alam, M. K., Munira, M. S. K., & Siddiqui, N. A. (2025). Assessing the influence of cybersecurity threats and risks on the adoption and growth of digital banking: a systematic literature review. ArXiv Preprint ArXiv:2503.22710. https://doi.org/10.48550/arXiv.2503.22710
  31. Windasari, N. A., Kusumawati, N., Larasati, N., & Amelia, R. P. (2022). Digital-only banking experience: Insights from gen Y and gen Z. Journal of Innovation & Knowledge, 7(2), 100170. https://doi.org/10.1016/j.jik.2022.100170
  32. Zulfahmi, E., Lilisdar, R., Ferdianti, P., Nurita, C., & Puspita, D. F. (2023). Perkembangan Industri Perbankan Di Era Digital. Al-Iqtishad: Jurnal Perbankan Syariah Dan Ekonomi Islam, 1(1), 34–43. https://ejournal.staindirundeng.ac.id/index.php/aliqtishad/article/view/2213.