Digital Financial Ethics and Risk Management
Main Article Content
Hanie Supandi
Yopie Irawan
Dwi Setiawati
Rusdi Kurniawan
Bunga Westu Lestari
Delsa Yunia Permatasari
Masno Marjohan
The rapid development of digital technology has transformed the global financial industry landscape, bringing efficiency but also increasing the complexity of risks such as cyber attacks, data breaches, and regulatory non-compliance. This study aims to evaluate risk management strategies in digital finance and the importance of integrating ethical values through a literature review approach. Data was collected from national journals and relevant academic articles, focusing on training, technology implementation, and risk management policies. The findings indicate that effective strategies require adaptive technology-based approaches, such as the implementation of Artificial Intelligence (AI), blockchain, and the Internet of Things (IoT). Dominant digital risks include fraud, data breaches, and system attacks, which demand ethics-based governance and improved digital literacy. Internal factors such as human resources and organisational culture, as well as external factors such as regulations and fintech competition, also influence the effectiveness of risk management. In conclusion, the success of risk management in digital finance is determined by the synergy between technological sophistication and the comprehensive application of ethical principles in the governance of financial institutions.
Axeldy, R. ., & Seno, H. . (2024). Etika Profesi dalam Lingkup Manajemen Keuangan. JIMU:Jurnal Ilmiah Multidisipliner, 2(03), 616–627. Diambil dari https://ojs.smkmerahputih.com/index.php/jimu/article/view/417
Budianto, E. W. H. (2023). Pemetaan penelitian risiko operasional pada industri keuangan syariah dan konvensional: studi bibliometrik VosViewer dan literature review. Jurnal Ekonomi Islam, 14(2), 158-174.
Farichah, M. (2024). Strategi manajemen perbankan syariah dalam menghadapi manajemen risiko pada era digital. Maliki Interdisciplinary Journal, 2(12), 1536-1546. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/11216
Hanggondosari, S. U. (2023). PERAN MANAJEMEN KEUANGAN DIGITAL DALAM PENGELOLAAN KEUANGAN PADA ORGANISASI GEREJA GBT IMANUEL DI KEDIRI. Dharma Wiyata: Jurnal Pengabdian Kepada Masyarakat, 1(1), 61-72.
Hutapea, Y., Fauzi, A., Dwiyanti, A., Alifah, F. A., Andina, N., & Jati, S. M. D. (2024). Peran Manajemen Sekuriti Dalam Mencegah Resiko Kerugian Terhadap Keuangan Digital. Jurnal Kewirausahaan dan Multi Talenta, 2(2), 148-161. https://doi.org/10.38035/jkmt.v2i2.162
Jedličková, A. (2024). Ethical considerations in risk management of autonomous and intelligent systems. Ethics & Bioethics, 14(1–2), 80-95. https://DOI:10.2478/ebce-2024-0007
Lusmeida, H., Khomsiyah, & Arsjah, R. J. (2023). Do Enterprise Risks Management, Green Intellectual Capital and Business Ethics Improve Sustainable Finance At Financial Institutions In Indonesia?. Journal of Law and Sustainable Development, 11(12), e2359. https://doi.org/10.55908/sdgs.v11i12.2359
Mahaputra, I. N. K. A., Sudiartana, I. M., Bagiana, I. K., Primadona, I. A. L., & Murti, N. P. M. A. (2024). Pengaruh Tata Kelola Perusahaan terhadap Pengungkapan Manajemen Risiko: Peran Moderasi Komite Pemantau Risiko. Jurnal Ekonomi Bisnis, Manajemen Dan Akuntansi (Jebma), 4(3), 1281–1291. https://doi.org/10.47709/jebma.v4i3.4624
Oktanajma, L., Reswari, M. A., Saputra, M. R., Safitri, R. A., & Misidawati, D. N. (2025). TRANSPARANSI DAN ETIKA DALAM PRAKTIK KEUANGAN DIGITAL (FINTECH). Musytari: Jurnal Manajemen, Akuntansi, dan Ekonomi, 17(6), 31-40.. https://doi.org/10.2324/wyjyxe93
Siregar, Z. A., & Hasanah, U. (2024). Risk Management and Ethical Perspectives in the Implementation of Artificial Intelligence (AI) in the Accounting Profession. Indonesia Auditing Research Journal, 13(4), 256–264. https://doi.org/10.35335/arj.v13i4.384
Sugiyono, S. (2019). Metodologi Penelitian Kualitatif Kuantitatif Dan R&D. Bandung: Cv. Alfabeta.
Surachman, A. E., Zuhra, S., Tarmizi, R., Anantadjaya, S. P., Nagari, A., Pekerti, R. D., ... & Ayuandiani, W. (2024). Manajemen Keuangan di Era Digital. Sada Kurnia Pustaka.
Triwibowo, A., & Afani Adam, M. (2023). Etika Bisnis Islam Dalam Praktek Bisnis Di Era Digital Ekonomi. Margin: Jurnal Bisnis Islam Dan Perbankan Syariah, 2(1), 24–36. https://doi.org/10.58561/margin.v2i1.65
Wafi, I., Akhmadi, F., Ngasifudin, M., & Nurfauzi, Y. (2024). Dampak Penerapan Ekonomi Syariah terhadap Kinerja Keuangan Bank Syariah di Indonesia. LABATILA : Jurnal Ilmu Ekonomi Islam, 8(02), 143-159. https://doi.org/10.33507/lab.v8i02.2572
Ziah, S. U., & Kuntadi, C. (2023). PENGARUH ETIKA, KOMPETENSI DAN AUDIT RISIKO TERHADAP SKEPTISME PROFESIONAL AUDITOR. JURNAL ECONOMINA, 2(9), 2336–2345. https://doi.org/10.55681/economina.v2i9.814
