{"id":27208,"date":"2026-09-07T13:07:00","date_gmt":"2026-09-07T06:07:00","guid":{"rendered":"https:\/\/businessupdate.id\/?p=27208"},"modified":"2026-09-07T16:31:34","modified_gmt":"2026-09-07T09:31:34","slug":"integrasikan-ai-dan-fraud-detection-system-bank-jombang-tingkatkan-ketahanan-layanan-digital","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=27208","title":{"rendered":"Integrasikan AI dan Fraud Detection System, Bank Jombang Tingkatkan Ketahanan Layanan Digital"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><br>\u200e<br><strong>\u200eBusinessUpdate \u2014<\/strong> Transformasi digital di sektor perbankan daerah tidak lagi menjadi pilihan, melainkan sebuah keharusan untuk menjaga daya saing dan meningkatkan kualitas pelayanan masyarakat.<br>\u200e<br>\u200eMengatasi tantangan tersebut, PT BPR Bank Jombang Perseroda memiliki komitmen tersendiri dan menyampaikannya melalui penjurian Indonesia Digital Technology and Innovation Awards (IDTIA) 2026 pada Senin, (07\/09\/2026).<br>\u200e<br>\u200eJajaran direksi memaparkan sejumlah inovasi dan strategi digital yang dihadiri oleh Afandi Nugroho, Direktur Utama dan H. Adam Joyo Pranoto, Direktur Bisnis PT BPR Bank Jombang Perseroda.<br>\u200e<br>\u200eDalam sesi pemaparan di hadapan dewan juri, Bank Jombang memfokuskan pilar utamanya pada aspek ketahanan (resilience), keberlanjutan (sustainability), serta keunggulan inovasi digital yang terbagi ke dalam tiga fokus utama sebagai berikut:<br>\u200e<br>\u200e<strong>1. AI-Powered Credit Decision Support (LOS + AI Recommendation)<\/strong><br>\u200e\u200eInovasi sistem pengajuan hingga persetujuan kredit berbasis kecerdasan buatan ini dirancang untuk mewujudkan:<br>\u200e- Proses kredit terpusat dan terstruktur guna meningkatkan efisiensi operasional.<br>\u200e-Dukungan backup &amp; recovery yang solid demi menjaga keberlangsung pelayanan secara berkesinambungan.<br>\u200e-Paperless process lewat efisiensi dokumen fisik.<br>\u200e-Pengambilan keputusan kredit lebih cepat dan presisi berbasis data terintegrasi (data-driven &amp; intelligent lending).<br>\u200e<br>\u200e<strong>2. Always-On Digital Service (AI WhatsApp Banking)<\/strong><br>\u200e\u200eLayanan berbasis percakapan (conversational banking) yang dirancang fleksibel untuk kemudahan nasabah yakni:<br>\u200e\u200e-Menyediakan akses layanan perbankan melalui kanal yang familiar di kalangan nasabah.<br>\u200e-Fitur self-service mendiri untuk pemenuhan kebutuhan informasi layanan perbankan.<br>\u200e-Memangkas ketergantungan jam operasional, sehingga layanan selalu aktif (always available).<br>\u200e-Menjadi fondasi pengembangan conversational banking Bank Jombang<br>\u200e<br>\u200e<strong>3. Proactive Fraud Protection (Fraud Detection System)<\/strong><br>\u200e\u200eSistem perlindungan proaktif dalam memperkuat ketahanan keamanan perbankan digital yang di antaranya:<br>\u200e\u200e- Identifikasi dan sistem peringatan otomatis (automated alert) terhadap potensi transaksi mencurigakan (suspected fraud) secara sistematis.<br>\u200e- Tersedia action tindak lanjut atas transaksi suspected fraud<br>\u200e- Memperkuat keamanan kanal digital dan meningkatkan resilience terhadap fraud<br>\u200e- Data deteksi menjadi basis evaluasi serta pengembangan parameter di masa mendatang.<br>\u200e<br>\u200eSelesai sesi pemaparan,\u00a0pihak Bank Jombang menyampaikan apresiasinya atas masukan dari seluruh dewan juri. \u200e&#8221;Semua pertanyaan itu justru memberikan insight baru kepada kami dari Pak Yandra Arkeman Concern ke integrasinya terutama dengan FDS-nya. Kemudian Pak Haryono Soeparno ke strateginya. Kemudian Bu Shelvie Nidya yang ke tata kelola dan Pak Ashwin Sasongko yang data pribadi. Saya rasa keempat aspek ini memiliki nilai yang setara dan memiliki Bobot untuk pengembangan IT di kami itu semuanya patut untuk dipertimbangkan. Jadi, kalau saya ngomong siapa yang lebih berbobot pertanyaannya, sulit itu karena semua masukan sangat luar biasa,&#8221; ucap manajemen Bank Jombang.<br>\u200e<br>\u200eSelain itu, Bank Jombang menyampaikan bahwa keikutsertaan perusahaan dalam ajang IDTIA 2026 merupakan pengalaman pertama yang mana sesi penjurian tergolong fleksibel dan komunikatif karena dewan juri secara detail memberikan nilai tambah serta masukan positif yang bisa langsung ditanggapi. Waktu pemaparan materi yang diberikan penyelenggara juga dinilai lebih panjang sehingga Bank Jombang dapat menyajikan materi inovasi secara lebih utuh dan mendalam. (kiy)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u200e\u200eBusinessUpdate \u2014 Transformasi digital di sektor perbankan daerah tidak lagi menjadi pilihan, melainkan sebuah keharusan untuk menjaga daya saing dan meningkatkan kualitas pelayanan masyarakat.\u200e\u200eMengatasi tantangan tersebut, PT BPR Bank Jombang Perseroda memiliki komitmen tersendiri dan menyampaikannya melalui penjurian Indonesia Digital Technology and Innovation Awards (IDTIA) 2026 pada Senin, (07\/09\/2026).\u200e\u200eJajaran direksi memaparkan sejumlah inovasi dan strategi [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":27209,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[156],"tags":[12830,12831,12832,12833],"class_list":["post-27208","post","type-post","status-publish","format-standard","has-post-thumbnail","category-event","tag-bank-jombang","tag-idti-awards-2026","tag-idtia-2026","tag-indonesia-digital-technology-and-innovation-awards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - 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