Detection Implementation of Risk Management for Commercial Digital Banking

Abstract

This study aims to analyze the detection of risk management implementation related to the digital era in banking. Risk management is a process that includes identification, analysis, and handling of risks that may arise in the operations of an institution or business. In the digital context, risk management prioritizes the identification of potential risks in digital processes, as well as how these risks are anticipated, minimized, or managed so as not to interfere with operational performance and sustainability. The method used in this research is descriptive qualitative. This research shows that risk management in the digital era in banking can run well and in accordance with applicable regulations. Effective implementation in identifying, analyzing, and managing digital-related risks allows banks to avoid potential losses and maintain operational sustainability. Investment security, organized liquidity, good reputation, and business sustainability are positive outcomes of successful risk management. Nonetheless, banks need to continuously monitor, adapt and evaluate risk management measures in the digital era to remain relevant and effective in the face of changing conditions that may occur in the future.