Shabrina, Fildzah Nur (2025) Analisis Risiko Operasional Automatic Teller Machine dan Mobile Banking dengan Metode Failure Mode and Effect Analysis (Studi Kasus : PT. Bank Riau Kepri Syariah (PERSERODA)). Other thesis, Institut Teknologi Sepuluh Nopember.
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Abstract
Bank Riau Kepri Syariah merupakan bank BUMD milik pemerintah Provinsi Riau dan Kepulauan Riau yang berkantor pusat di Pekanbaru, Riau. Penggunaan mesin ATM dan Mobile Banking dapat menimbulkan risiko operasional yang dapat menyebabkan kerugian. Hal ini dapat disebabkan oleh beberapa faktor seperti faktor sistem teknologi, faktor manusia, faktor kegagalan internal, dan faktor kegagalan eksternal. Oleh karena itu, penelitian ini bertujuan untuk menganalisis, mengidentifikasi, mengevaluasi, dan memberikan rekomendasi untuk dapat memitigasi risiko yang dapat terjadi pada perbankan. Metode yang digunakan pada penelitian ini adalah Failure Mode and Effect Analysis (FMEA). Identifikasi risiko dilakukan dengan menggunakan metode Fault Tree Analysis (FTA) dengan mengetahui penyebab risiko. Setelah itu, dilakukan penilaian risiko yaitu severity, occurance dan detection. Kemudian, dilakukan perhitungan RPN dan menetukan risiko prioritas. Setelah menentukan risiko prioritas, dilakukan rekomendasi sebagai penanganan untuk dapat mengurangi risiko prioritas. Berdasarkan hasil identifikasi risiko, didapatkan 33 risiko dari aktivitas transfer, penarikan tunai dan pembayaran/pembelian pulsa ATM dan 24 risiko dari aktivitas transfer dan pembayaran/pembelian pulsa Mobile Banking. Berdasarkan hasil perhitungan RPN, diketahui bahwa 11% merupakan high risk, 5% merupakan moderate to high risk, 59% risiko merupakan moderate risk, 21% merupakan low to moderate risk dan 4% merupakan low risk pada ATM dan 5% merupakan high risk, 11% merupakan moderate to high, 61% merupakan moderate risk, 21% merupakan low to moderate risk, 2% merupakan low risk. Setelah itu dilakukan penentuan prioritas risiko dengan konsep pareto dan diperoleh sebanyak 42 risiko ATM dan 32 risiko Mobile Banking yang termasuk ke dalam prioritas.
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PT Bank Riau Kepri Syariah is a regional government-owned bank (BUMD) owned by the provincial governments of Riau and the Riau Islands, with its head office located in Pekanbaru, Riau. The use of ATM and mobile banking services may result in operational risks that can lead to financial losses. These risks may arise from several factors, including technological system failures, human errors, internal failures, and external disruptions. Therefore, this study aims to analyze, identify, evaluate, and provide recommendations to mitigate potential risks in banking operations. The method used in this study is the Failure Mode and Effect Analysis (FMEA). Risk identification was conducted using the Fault Tree Analysis (FTA) method by determining the root causes of each risk. Following the identification, each risk was assessed using three criteria: severity, occurrence, and detection. Then, the Risk Priority Number (RPN) was calculated to determine the priority of each risk. Based on the results of risk identification, a total of 33 risks were found in ATM activities (including transfer, cash withdrawal, and prepaid transactions), and 24 risks were identified in mobile banking activities (including transfer and payment/purchase transactions). According to the RPN calculation, ATM-related risks were categorized as follows: 11% high risk, 5% moderate to high risk, 59% moderate risk, 21% low to moderate risk, and 4% low risk. For mobile banking, the distribution was 5% high risk, 12% moderate to high risk, 61% moderate risk, 21% low to moderate risk, and 2% low risk. Finally, risk prioritization was carried out using the Pareto principle, resulting in 42 ATMrelated risks and 32 mobile banking-related risks being classified as priority risks.
| Item Type: | Thesis (Other) |
|---|---|
| Uncontrolled Keywords: | Automatic Teller Machine, Mobile Banking, Failure Mode and Effect Analysis |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD61 Risk Management |
| Divisions: | Faculty of Industrial Technology and Systems Engineering (INDSYS) > Industrial Engineering > 26201-(S1) Undergraduate Thesis |
| Depositing User: | Fildzah Nur Shabrina |
| Date Deposited: | 30 Jul 2025 09:15 |
| Last Modified: | 30 Jul 2025 09:15 |
| URI: | http://repository.its.ac.id/id/eprint/123957 |
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