Nazwa, Syaila (2025) ANALISIS SWOT PADA APLIKASI MOBILE BANKING BJB DIGI UNTUK MENINGKATKAN DAYA SAING BANK BJB DI ERA PERBANKAN DIGITAL. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
The development of digital technology has driven major transformation in banking services, including the use of mobile banking applications. This study aims to analyze the strengths, weaknesses, opportunities, and threats (SWOT) of the BJB Digi application and formulate appropriate development strategies. A qualitative method was used through interviews and literature review. The findings indicate that BJB Digi’s strengths include ease of use, dominance among civil servant (ASN) users, the community-based “Collect Dana” feature, and integration with regional government programs. The weaknesses identified are system instability, inconsistent interface design, lack of feature education, and low digital literacy among users. Opportunities include growing digitalization trends, integration with MSMEs, and public trust in regional banks. Threats come from intense competition with national mobile banking apps, cybersecurity risks, and rapid technological changes. SO, WO, ST, and WT strategies were formulated to optimize internal strengths and opportunities while addressing weaknesses and external threats. These strategies aim to enhance BJB Digi’s competitiveness in the digital banking industry.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Perkembangan teknologi digital mendorong transformasi layanan perbankan, termasuk melalui aplikasi mobile banking. Penelitian ini bertujuan untuk menganalisis kekuatan, kelemahan, peluang, dan ancaman (SWOT) pada aplikasi BJB Digi serta merumuskan strategi pengembangan yang tepat. Metode yang digunakan adalah pendekatan kualitatif melalui wawancara dan studi literatur. Hasil penelitian menunjukkan bahwa kekuatan BJB Digi meliputi kemudahan penggunaan, dominasi pengguna ASN, fitur komunitas “Collect Dana”, serta integrasi dengan program Pemda. Kelemahan mencakup kestabilan sistem, tampilan yang belum konsisten, kurangnya edukasi fitur, dan literasi digital rendah. Peluang yang tersedia meliputi tren digitalisasi, integrasi dengan UMKM, dan kepercayaan masyarakat terhadap bank lokal. Ancaman berasal dari persaingan mobile banking nasional, risiko siber, dan percepatan teknologi. Strategi SO, WO, ST, dan WT disusun untuk mengoptimalkan kekuatan dan peluang serta mengatasi kelemahan dan ancaman. Strategi ini diharapkan dapat memperkuat daya saing BJB Digi dalam industri perbankan digital. | |||||||||
| Uncontrolled Keywords: | mobile banking, SWOT analysis, BJB Digi, digital banking, competitiveness mobile banking, analisis SWOT, BJB Digi, perbankan digital, daya saing | |||||||||
| Subjects: | H Social Sciences > HG Finance | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan 05-Fakultas Ekonomi dan Bisnis |
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| Depositing User: | Syaila Nazwa | |||||||||
| Date Deposited: | 22 Aug 2025 09:19 | |||||||||
| Last Modified: | 22 Aug 2025 09:19 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/52417 |
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