Pengaruh Teknologi Blockchain terhadap Kepercayaan dan Efisiensi Transaksi di Sektor Perbankan
Indonesia
DOI:
https://doi.org/10.55606/jupumi.v4i1.3434Abstract
Teknologi blockchain telah menjadi inovasi signifikan dalam sektor perbankan, menawarkan transparansi, keamanan, dan efisiensi yang tinggi. Penelitian ini bertujuan menganalisis dampak penerapan blockchain terhadap tingkat kepercayaan nasabah dan efisiensi transaksi di sektor perbankan Indonesia. Dengan pendekatan kuantitatif berbasis survei dan eksperimen, data dikumpulkan dari 200 responden nasabah dan 30 partisipan yang mengikuti simulasi transaksi menggunakan sistem berbasis blockchain. Hasil survei menunjukkan 80% responden merasakan peningkatan kepercayaan setelah penerapan blockchain, dengan skor kepercayaan rata-rata meningkat dari 3,2 menjadi 4,5. Teknologi ini mengurangi kekhawatiran nasabah terkait manipulasi dan pelanggaran data, berkat fitur transparansi dan enkripsi. Hasil eksperimen menunjukkan peningkatan efisiensi transaksi, dengan waktu proses yang lebih cepat (rata-rata 2,3 detik) dibandingkan sistem tradisional (5,6 detik). Biaya operasional juga turun 30% karena pengurangan peran pihak ketiga. Analisis regresi linier dan SEM menunjukkan hubungan signifikan antara transparansi, privasi, kepercayaan, dan efisiensi. Namun, tantangan seperti biaya implementasi dan kurangnya literasi digital masih perlu diatasi. Penelitian ini menyimpulkan bahwa blockchain meningkatkan kepercayaan dan efisiensi, serta memberikan peluang strategis bagi bank untuk menciptakan keunggulan kompetitif.
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