EKSPLORASI PERAN METAVERSE DALAM INOVASI LAYANAN KEUANGAN: PELUANG, TANTANGAN, DAN MASA DEPAN PERBANKAN DIGITAL
Keywords:
Metaverse, Financial innovation, Digital banking, Customer Experience, financial technology, Virtual transactionsAbstract
The rapid advancement of digital technology has led to the emergence of the Metaverse as a potential innovation in the financial sector, particularly in digital banking services. This study explores the role of the Metaverse in financial service innovation by analyzing its opportunities, challenges, and future implications for digital banking. The findings indicate that Metaverse-based financial services offer immersive interactions, enhanced customer experience, and the development of new financial products such as blockchain-based transactions and digital asset investments. However, challenges such as regulatory uncertainties, cybersecurity risks, technological infrastructure limitations, and customer adoption barriers must be addressed for successful implementation. The study concludes that while the Metaverse has the potential to revolutionize financial services, effective strategic planning, investment in technology, regulatory frameworks, and public digital literacy enhancement are essential for its sustainable integration into the banking industry.
References
Abdussalaam, F., & Mardiansyah Ramadhan, M. (2019). PERANCANGAN SISTEM INFORMASI WORK ORDERDENGAN METODE ITERATIF MENGGUNAKAN FRAMEWORK CODEIGNITER (Studi Kasus :CV Sirna Miskin Bandung). Jurnal E-Komtek (Elektro-Komputer-Teknik), 3(1), 35–48. https://doi.org/10.37339/e-komtek.v3i1.129
Akmal, M., Sari, C. I., Mustika, Y., Gibran, K., Zulfahni, F., & Nababan, Y. A. (2022). The Metaverse’s Potential in Optimizing Disability Productivity for Economic Recovery: Literature Review.
Al-Mulla, A., Ari, I., & Koç, M. (2022). Sustainable financing for entrepreneurs: Case study in designing a crowdfunding platform tailored for Qatar. Digital Business, 2(2), 100032. https://doi.org/10.1016/j.digbus.2022.100032
Alshater, M. M., Saba, I., Supriani, I., & Rabbani, M. R. (2022). Fintech in islamic finance literature: A review. Heliyon, 8(9), e10385. https://doi.org/10.1016/j.heliyon.2022.e10385
Ambarwati, D. (2022). URGENSI PEMBAHARUAN HUKUM DI ERA“METAVERSE” DALAM PERSPEKTIF HUKUM PROGRESIF. DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial, 7(2), 151–167. https://doi.org/10.36636/dialektika.v7i2.1306
By Luthfi Hamdi, Umi Widyastuti, & Shandy Aditya. (2024). Pengaruh Perceived Ease Of Use, Perceived Security Dan Trust Terhadap Decision To Adopt Digital Payment: Studi Kasus Pengguna Marketplace Meta Di Dki Jakarta. JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME), 2(3), 423–438. https://doi.org/10.54066/jrime-itb.v2i3.2170
Cahyono, A., Marwa, I., & Priantina, Y. (2024). Descriptive study of Metaverse application for education field in junior high school. 1(3).
Chariri, A., Sektiyani, W., Nurlina, N., & Wulandari, R. W. (2018). INDIVIDUAL CHARACTERISTICS, FINANCIAL LITERACY AND ABILITY IN DETECTING INVESTMENT SCAMS. JURNAL AKUNTANSI DAN AUDITING, 15(1), 91. https://doi.org/10.14710/jaa.15.1.91-114
Dwiastanti, A. (2015). Financial Literacy as the Foundation for Individual Financial Behavior. Journal of Education and Practice.
Edmore, M. (2017). The Impact of Legal and Regulatory Framework on SMEs Development: Evidence from Zimbabwe. Research Journal of Finance and Accounting.
Faisol, F., & Alim, M. N. (2024). Analysis of the Fraud Prevention Model at KSPP Syariah BMT NU Torjun Branch. ILTIZAM Journal of Shariah Economics Research, 8(1), 38-49.
Faisol, F., Haryadi, B., Musyarofah, S., & Iswahyudi, A. P. (2023). Effectiveness of the Internal Control System Against Fraud Tendencies “Meta-Analysis Study”. Asia Pacific Fraud Journal, 8(2), 327-339.
Faisol, F., & Wahyudin, A. (2024). Menyingkap Tabir Praktik Fraud Oknum Agen Asuransi: Upaya Meraup Keuntungan Pribadi. Indo-Fintech Intellectuals: Journal of Economics and Business, 4(5), 2301-2316.
Ghlamallah, E., Alexakis, C., Dowling, M., & Piepenbrink, A. (2021). The topics of Islamic economics and finance research. International Review of Economics & Finance, 75, 145–160. https://doi.org/10.1016/j.iref.2021.04.006
H. Zuchri, A. (2021). Metode Penelitian Kualitatif (1st ed., Vol. 1).
Hasibuan, D. V. N., & Nasution, M. I. P. (n.d.). Penerapan Big Data dalam Pemasaran Digital: Studi Kasus pada Industri E-commerce di Indonesia.
Indrawan, D., & Jalilah, S. R. (2021). Metode Kombinasi/Campuran Bentuk Integrasi Dalam Penelitian. Jurnal Studi Guru dan Pembelajaran, 4(3), 735–739. https://doi.org/10.30605/jsgp.4.3.2021.1452
Irfany, M. I., Wulan, N., & Fitri, R. (2022). The Impact of Islamic Financial Inclusion on Micro-Enterprises Capital: The Case of Sumedang Regency. IQTISHODUNA, 18(2), 141–153. https://doi.org/10.18860/iq.v18i2.17118
Iswahyudi, A. P., Faisol, F., Akbar, M., Wati, S., & Munawaroh, S. (2023). Effectiveness of Risk Management on a Company’s Financial Performance: Study of Meta Analysis. Journal of Business Management and Economic Development, 1(02), 366-378.
Kristanto Hc, R. H.-. (2022). The Role of Financial Literacy, Access of Finance, Financial Risk Attitude on Financial Performance. Study on SMEs Jogjakarta. Jurnal Keuangan Dan Perbankan, 26(4), 805–819. https://doi.org/10.26905/jkdp.v26i4.7936
Kurniawan, Moh. Z., & Gitayuda, M. B. S. (2021). The Role Of Financial Inclusion In The Development Of MSMEs In Madura. EKONIKA Jurnal Ekonomi Universitas Kadiri, 6(2), 154. https://doi.org/10.30737/ekonika.v6i2.1411
Muttaqin, H. F., & Wahyu, A. P. (2019). Innovation Computer Vision Technology With Internet Of Things (Iot) For Support Entrepreneurs In Fishery Sector. JUMANJI (Jurnal Masyarakat Informatika Unjani), 2(2), 125. https://doi.org/10.26874/jumanji.v2i2.39
Rezaldi, A. P., Amarullah, R., & Aguspriyani, Y. (2023). ANALISIS JEJAK DIGITAL: MEMAHAMI PERAN BUKTI AUDIT DALAM ERA BIG DATA. 3(2).
Rosmitha, S. N. (n.d.). PERAN DIGITALISASI PEMASARAN DALAM PENINGKATAN DAYA SAING DAN SUSTAINABILITAS UMKM KULINER DI ERA NEW NORMAL PERSPEKTIF ETIKA BISNIS ISLAM.
Simamora, R. S., & Astuti, T. D. (2023). EDUKASI LITERASI KEUANGAN SEBAGAI PONDASI PEMBERDAYAAN UMKM. 5.
Suhairi, S., Nurhazizah, N., Syanda, S., & Nasution, R. A. (2024). Transformasi Digital Riset Pemasaran Global dengan Integrasi Teknologi Terkini untuk Menyusun Strategi Responsif terhadap Perubahan Pasar Global. As-Syirkah: Islamic Economic & Financial Journal, 3(2). https://doi.org/10.56672/syirkah.v3i2.175
Tri Herlambang, Y., & Abidin, Y. (2023). Pendidikan Indonesia Dalam Menyongsong Dunia Metaverse :Telaah Filosofis Semesta Digital Dalam Perspektif Pedagogik Futuristik. Naturalistic: Jurnal Kajian dan Penelitian Pendidikan dan Pembelajaran, 7(2), 1632–1642. https://doi.org/10.35568/naturalistic.v7i2.3371
Tristanty, T., Apdian, D., & Rostiani, Y. (2022). Sistem Informasi Akuntansi Penerimaan Dan Pengeluaran Kas Bansos dan BLT Pada Dinas Sosial Kabupaten Karawang Berbasis VB.Net. Prosiding Seminar Nasional Inovasi dan Adopsi Teknologi (INOTEK), 2(1), 156–169. https://doi.org/10.35969/inotek.v2i1.249
Ulum, M., & Irianti, N. N. (n.d.). PENGARUH DIGITAL MARKETING TERHADAP PENINGKATAN KINERJA DAN IMPELEMENTASI ARTIFICIAL INTELLIGENCE STUDI KASUS: PT.AKADIA DIGITAL MEDIA.
Wahyuningsih, Y. E., & Madani, S. (n.d.). Peran Lembaga Keuangan Dalam Mendorong Pertumbuhan Usaha Mikro Dan Kecil Di Sektor Perikanan Aceh. 4(1).
Waruwu, M. (2024). Pendekatan Penelitian Kualitatif: Konsep, Prosedur, Kelebihan dan Peran di Bidang Pendidikan. Afeksi: Jurnal Penelitian dan Evaluasi Pendidikan, 5(2), 198–211. https://doi.org/10.59698/afeksi.v5i2.236
Wijayanto, A. (2022). NEOTEKNOLOGI INFORMASI ERA METAVERSE. https://doi.org/10.31219/osf.io/c9fb7
Yakob, S., Yakob, R., B.A.M., H.-S., & Rusli, R. Z. A. (2021). Financial Literacy and Financial Performance of Small and Medium-sized Enterprises. The South East Asian Journal of Management, 15(1), 72–96. https://doi.org/10.21002/seam.v15i1.13117
Yuliani, W. (2018). METODE PENELITIAN DESKRIPTIF KUALITATIF DALAM PERSPEKTIF BIMBINGAN DAN KONSELING. 2(2).
Zen Munawar, Iswanto, Dandun Widhiantoro, Novianti Indah Putri, & Komalasari, R. (2022). Keamanan, Data Pribadi Pada Metaverse. TEMATIK, 9(2), 134–143. https://doi.org/10.38204/tematik.v9i2.1069
