Agung, Satya Dinar Probo (2026) Pengukuran Kontribusi Teknologi Dengan Pendekatan teknometrik & Analytical Hierarchy Process (AHP) Pada Adopsi Fintech Digital Lending Bank XYZ. Masters thesis, Institut Teknologi Sepuluh Nopember.
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Abstract
Perkembangan financial technology (fintech) telah mendorong percepatan transformasi digital di sektor perbankan, khususnya pada layanan digital lending yang menuntut optimalisasi pemanfaatan teknologi secara strategis. Namun, Bank XYZ belum memiliki pengukuran komprehensif terkait kontribusi masing-masing komponen teknologi dalam mendukung efektivitas layanan digital lending. Penelitian ini menggunakan pendekatan teknometrik melalui perhitungan Technology Contribution Coefficient (TCC) dan Analytical Hierarchy Process (AHP) untuk menganalisis empat komponen teknologi, yaitu Technoware, Humanware, Infoware, dan Orgaware (THIO). Hasil penelitian menunjukkan bahwa Technoware memiliki kontribusi tertinggi dengan nilai TCC sebesar 0,6931, diikuti oleh Orgaware (0,6904), Humanware (0,6794), dan Infoware (0,6750). Namun demikian, Humanware menjadi komponen paling dominan secara strategis berdasarkan AHP dengan bobot sebesar 0,388, yang mengindikasikan adanya kesenjangan antara kontribusi aktual dan kebutuhan strategis. Selain itu, hasil SOTA menunjukkan bahwa Humanware memiliki tingkat kemutakhiran terendah (0,6567), sementara Infoware masih memerlukan penguatan, khususnya pada sistem analitik seperti scoring engine. Penelitian ini memberikan kontribusi berupa pendekatan evaluasi teknologi yang terintegrasi serta rekomendasi strategis dalam mendukung transformasi digital perbankan yang berkelanjutan.
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The development of financial technology (fintech) has accelerated digital transformation in the banking sector, particularly in digital lending services that require strategic optimization of technological capabilities. However, Bank XYZ lacks a comprehensive assessment of the contribution of each technological component in supporting the effectiveness of digital lending services. This study employs a technometric approach using the Technology Contribution Coefficient (TCC) and Analytical Hierarchy Process (AHP) to analyze four components: Technoware, Humanware, Infoware, and Orgaware (THIO). The results indicate that Technoware has the highest contribution with a TCC value of 0.6931, followed by Orgaware (0.6904), Humanware (0.6794), and Infoware (0.6750). However, Humanware emerges as the most strategically dominant component based on AHP with a weight of 0.388, indicating a gap between actual contribution and strategic importance. Furthermore, SOTA results show that Humanware has the lowest maturity level (0.6567), while Infoware still requires improvement, particularly in analytical systems such as the scoring engine. This study contributes by providing an integrated technology evaluation approach and strategic recommendations to support sustainable digital transformation in banking.
| Item Type: | Thesis (Masters) |
|---|---|
| Uncontrolled Keywords: | fintech, digital lending, teknometrik, Technology Contribution Coefficient (TCC), Analytical Hierarchy Process (AHP), Bank XYZ. |
| Subjects: | T Technology > T Technology (General) T Technology > T Technology (General) > T58.5 Information technology. IT--Auditing |
| Divisions: | Interdisciplinary School of Management and Technology (SIMT) > 61101-Master of Technology Management (MMT) |
| Depositing User: | Satya Dinar Probo Agung |
| Date Deposited: | 13 Jul 2026 00:40 |
| Last Modified: | 13 Jul 2026 00:40 |
| URI: | http://repository.its.ac.id/id/eprint/134718 |
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