EVALUASI PENGENDALIAN INTERNAL ATAS RISIKO OPERASIONAL LAYANAN DIGITAL BANKING JAKONE MOBILE PADA BANK JAKARTA PERIODE 2023-2025

Aliefia Nuruledhiati Aulia, . (2026) EVALUASI PENGENDALIAN INTERNAL ATAS RISIKO OPERASIONAL LAYANAN DIGITAL BANKING JAKONE MOBILE PADA BANK JAKARTA PERIODE 2023-2025. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.

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Abstract

This paper aim to analyze Bank Jakarta’s internal control mechanisms in managing operational risks of the JakOne Mobile digtal banking service for the 2023-2025 period, identify the factors causing recurring information technology system disruptions, and evaluate their alignment with the Committe of Sponsoring Organizations of the Treadway Commission (COSO) framework and regulations of Otoritas Jasa Keuangan (OJK). The study employs a qualitative descriptive approach using secondary data obtained from Bank DKI/Jakarta’s Annual Reports for the 2023-2025 periode, OJK regulations, and relevant media coverage. The research findings indicated that Bank Jakarta’s internal controls are not yet functioning effectively. Based on the COSO evaluation, three components, the control environment, control activities, and information and communication were categorized as ineffective with significant weakness. Recurring system disruptions were caused by weakness in technology and information infrastructure, suboptimal of information the Disaster Recovey Plan (DRP), weak accountability of information technology management, and suspected involvement of internal parties. The evaluation also indicates that the implementation of internal controls has not fully complied with OJK regulations regarding information technology governance to enchance the reliability of Bank Jakarta’s digital services.

Item Type: Thesis (Tugas Akhir)
Additional Information: [No. Panggil: 2310101007] [Pembimbing: Anggi Angga Resti] [Penguji 1: Yoko Tristiarto] [Penguji 2: Agus Kusmana]
Uncontrolled Keywords: internal control, operational risk, JakOne Mobile
Subjects: H Social Sciences > HG Finance
Divisions: Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII)
Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII)
Depositing User: ALIEFIA NURULEDHIATI AULIA
Date Deposited: 26 Aug 2026 03:02
Last Modified: 26 Aug 2026 03:02
URI: http://repository.upnvj.ac.id/id/eprint/50739

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