Financial Technology Innovation to Improve Digital Services of Bank Perekonomian Rakyat (BPR)
Keywords:
Financial technology, BPR, Digital Services, Financial Inclusion, Technology InnovationAbstract
The purpose of this study is to analyse how financial technology (fintech) innovations can be effectively applied in enhancing digital services at People's Economic Banks (BPRs), in order to expand financial access and improve operational efficiency. This research is motivated by the limitations of digitalisation in the BPR sector which causes a service gap compared to large financial institutions. The method used in this study is directed at identifying the application of technological innovation in BPR, as well as measuring its impact on service quality, transaction efficiency, and customer satisfaction. The results show that the application of fintech such as digital payment systems, mobile banking applications, and artificial intelligence-based data analytics can accelerate service processes and expand the market reach of BPRs, especially to MSME players in suburban areas. The discussion shows that the successful implementation of fintech is strongly influenced by the readiness of digital infrastructure, regulatory support, and the competence of human resources within BPRs. On the other hand, barriers such as the lack of technological literacy among customers and limited funds for innovation are challenges that must be overcome through synergy between BPRs, regulators, and technology partners. The conclusion of this study is that fintech innovation is a vital strategy for BPRs to remain relevant and competitive in the digital financial ecosystem, provided it is supported by policies that favour digital transformation and a collaborative approach across sectors.
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