PENERAPAN UNIVERSAL BANKING DI INDONESIA

Abstract

As the development era, the current banking role increased to investment banking called
universal banking. This study aims to figure out the risks, opportunities and threats, as well
as things to consider in the application of universal banking. This study is qualitative
descriptive research which is to collect information from related literature. It shows that
there are risks of application of universal banking which are the existence of negative
consequences, the phenomenon of too big to fail, overlapping, and risk transfer.
Application of universal banking also has opportunities and threats of increasing profits,
potential collusion, encourages conflicts of interest, and moral hazard. In addition, the
application of universal banking needs to consider things related to human resources, risk
management, consumer protection, and the soundness of banks.
Keywords: universal banking, risks, opportunities, threats