The digital ecosystem risk in digital banking: A case study

Rapid technological development encourages disruptive innovation that transforms the concept of value chain into a digital ecosystem. Companies can leverage resources other companies as part their chain, without having to own them. It generate greater risk due external factors cannot be controlled directly. Digital Bank Z is bank with large business ecosystem transforming from Book I. They need address these potential risks through good management while banking expansion in Indonesia increasing rapidly. This case study aims obtain an evaluation how transformation and held by well produce conceptual framework for risks. qualitative research conducted semi-structured interviews triangulation informants Financial Services Authority or Otoritas Jasa Keuangan (OJK). produces competitive advantages higher interest rates, but regulator cited, “digital not disruptor competitor”. Recently, more focusing on operational no specific regulation banks yet. As recommendations, provides three stages identify collaboration