PENERAPAN UNIVERSAL BANKING DI INDONESIA
Abstrak: l As the
development era, the
current banking role
increased to investment
banking called universal banking.
This study aims to figure out the risks, opportunities and threats, as well as things
to consider in the application
of universal banking.
This study is
qualitative descriptive
research which is
to collect information
from related literature.
It shows that there
are risks of
application of universal
banking which are
the existence of
negative consequences, the phenomenon
of too big
to fail, overlapping,
and risk transfer. Application of
universal banking also
has opportunities and
threats of increasing
profits, potential
collusion, encourages conflicts
of interest, and moral
hazard. In addition,
the application of universal banking needs to consider things related to
human resources, risk management, consumer protection, and the soundness of
banks.
Keywords: universal banking,
risks, opportunities, threats
Penulis: Maria Novena Febriani
Kode Jurnal: jpakuntansidd130067
